Legal and Licensing
Welcome to eDisabilityQuotes.com, a web site where individuals can learn about disability insurance and get instant quotes on different disability insurance plans. This web site is owned and operated by EDISABILITY, Inc. This User Agreement sets forth the terms and conditions (hereinafter, “Conditions”) which govern your use of this web site. By using this web site, you acknowledge your assent to the following Conditions of use without limitation or qualification. Please read them carefully. IF YOU DO NOT WISH TO BE BOUND BY THESE CONDITIONS, YOU MAY NOT ACCESS OR USE THIS WEB SITE.
Legal Jurisdictions Only
Products and services offered on this web site are only available in those states and jurisdictions where such products and services may legally be offered or sold. Some products and services may not be available in all jurisdictions. Nothing in this web site shall be considered a solicitation to buy or an offer to sell such products and services in any jurisdiction where the offer or solicitation would be unlawful under the laws of such jurisdiction. Those who choose to access this web site do so on their own initiative and are responsible for compliance with the laws of their jurisdiction.
Use Limitation
The site is for people shopping for disability insurance products. You are not permitted to use this web site or its contents for any commercial purpose. We reserve the right to prevent any party who engages in such non-permitted use from accessing this web site.
Trademarks and Copyrights
All trademarks not owned by the EDISABILITY, Inc. that appear on this web site are the property of their respective owners. All content included on this site, such as text, graphics, images, logos, audio clips, video clips, digital downloads, data compilations, and software, is the property of EDISABILITY, Inc. or its affiliates and protected under both United States and Foreign copyright, patent, trademark, and other laws. All software used on this site is the property of EDISABILITY, Inc. or its affiliates and protected under both United States and Foreign copyright, patent, trademark, and other laws.
Your Account
If you use this web site, you are responsible for maintaining the confidentially of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Further, by using this web site, you warrant that you are at least 18 years of age and possess the legal authority to use this web site.
Disclaimer of Warranties and Limited Liability
THIS WEB SITE IS PROVIDED BY THE COMPANY ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY THE COMPANY OF THE LINKED MATERIALS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF THE COMPANY IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
Hold Harmless
You agree to indemnify, defend, and hold harmless EDISABILITY, Inc., its directors, officers, employees, agents, brokers and affiliates from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to use of this web site.
Replacing Existing Insurance
DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN NOTIFICATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS ACTIVE AND IN EFFECT FOR THE DATE YOU WISH TO CANCEL ANY EXISTING COVERAGE.
Licensing
This web site is brought to you by licensed brokers in the following states:
Ted Stearns is licensed agent in the following states: California – 0D46668, Arizona- 988161, Nevada – 746281, Texas – 1677945/1680837. EDisability, Inc. is licensed in the following states: California – 0H30248, Arizona – 988466, Nevada – 747831. The information on this site is intended for the residents in only the states listed above. The associates of EDisability, Inc. are licensed to sell life and health insurance in all the states listed above. To find out if your agent is licensed in your state, please contact us at eCustomerSupport@edisabilityquotes.com.
Applicable Law
By visiting this Web Site, you agree that the laws of the State of California, without regard to principles of conflict of laws, will exclusively govern these Conditions and any dispute of any sort that may arise between you and the Company.
Entire Agreement
This constitutes the entire User Agreement between the parties concerning the Conditions of use of this Web site.
Changes to This Policy
We reserve the right to modify this legal and licensing agreement at any time. An updated copy of this legal and licensing agreement will be clearly posted and accessible on this web site at all times.
Contact Us
If you have any questions, please don’t hesitate to contact us.
