Acceptance of Terms

IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT. BY USING THIS WEB SITE AND THE SERVICES OFFERED ON THIS WEBSITE, YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT. YOUR ACCESS AND USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. If you disagree with any of the terms that follow, or do not agree to be bound by all such terms, do not use this website or any of its related services.

About this site

This Website (hereinafter “the Site” or “this Site”) is part of the affinityholdings.net network. Affinityholdings.net is an online service provider, specializing in providing insurance quotes and connecting insurance shoppers with professionals who can assist them.

Affinityholdings.net does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by affinityholdings.net.

Personal and noncommercial use limitation

In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and retransmit affinityholdings.net Information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of affinityholdings.net or any other party is granted or conferred to you.

The Site is provided on an “as is'' basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL AFFINITYHOLDINGS.NET, ITS AGENTS, REPRESENTATIVES OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY affinityholdings.net INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST AFFINITYHOLDINGS.NET, ITS AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER AFFINITYHOLDINGS.NET INFORMATION.

Copyright and proprietary rights information

The Site may contain technical inaccuracies or typographical errors or omissions. Affinityholdings.net reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.

This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of affinityholdings.net. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of affinityholdings.net and/or other parties is granted to or conferred upon you.

We reserve all the rights to our Site contents and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.

Available Services

The purpose of the Site is to provide consumers with ability to receive comparative insurance quotations from a network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”), based on the information you have provided. These Providers may have one or numerous companies from which they will provide you with quotes. Once you have provided us with the information needed, by sufficiently completing an appropriate online form, we will refer that information to these Providers, who may then contact you directly if they are able to provide you with a quotation for insurance coverage. From time to time these Providers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation on our network in your area, you may receive less than five offers.

We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional.

We reserve all the rights to our Site contents and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.

Your use of the service

You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:

• impersonate any other person or entity
• submit any information pertaining to a third party without that party’s understanding and express consent
• submit false or misleading information
• exploit this Service for any commercial reason
• engage in any activity prohibited under the CAN-SPAM Act
• engage in any criminal or otherwise unlawful behavior
• commit any action which could give rise to civil liability
• restrict others from making use of this Service
• upload or attempt to upload any computer virus, malicious computer code, file program, or any other digital property
• commit any action that interferes with, blocks, or otherwise harms the Service

Links to the web Site

You may not establish a hypertext “link” to the Web Site and/or distribute, modify or re-use the text or graphics of the Site unless you obtain prior express written permission from affinityholdings.net allowing you to do so.

Links to third party sites

This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of affinityholdings.net, and affinityholdings.net is not responsible for the contents of any linked site or any link contained in a linked site. affinityholdings.net is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by affinityholdings.net of any linked site or constitute any warranty by affinityholdings.net of any linked site or any items contained on such site.

Governing Law

Any disputes arising out of or related to the Site shall be governed by and construed and enforced in accordance with, the laws of the State of Arizona applicable to contracts entered into and to be performed entirely within the State of Arizona.

No Unlawful or Prohibited Use. As a condition of your use of the Site, you warrant to affinityholdings.net that you will not use the Site for a purpose that is unlawful or prohibited by these terms, conditions, and notices.

Disclaimer

The Service is provided on an “as is'' and “as available” basis. To the fullest extent permitted by law, we make no representations or warranties of any kind, express or implied, regarding the use of the Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, WE MAKE WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY PROVIDER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY PROVIDER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.

WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND MAY NOT BE AVAILABLE TO YOU.

WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE, OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR PROVIDER MENTIONED ON THIS SITE.

Limitation of liability

WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys’ fees and costs, due to or arising in any way from the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.

Proprietary Rights

We retain all rights, title, and interest in and to the Service, including all content, data, materials, specific implementations of XHTML, CSS, and other code, the look and feel, the design, and all other aspects of the trade dress of this Site, and retain all intellectual and property rights therein.

Third party logotypes, brandmarks, and service marks are the property of their respective owners.

Use of the Service by you does not grant to you ownership and any commercial use or exploitation of the Service by you is expressly prohibited. You may not exploit, copy, redistribute, or reproduce any aspect of the Service. Doing so may be a violation of applicable Federal and state laws and may subject you to liability.

Other

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. You agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.

Contacting Us

If you have any questions about affinityholdings.net, this Site, our service, or this Privacy Policy, you may contact us at:7260 E McKellips Rd #110 Scottsdale, AZ 85018

Changes and Updates

We reserve the right to make changes and updates to these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be kept clearly posted and accessible on this Site at all times.

Privacy Policy

Welcome to affinityholdings.net (the "Site"). We understand that privacy online is important to users of our Site, especially when conducting business. This statement governs our privacy policies with respect to those users of the Site ("Visitors") who visit without transacting business and Visitors who register to transact business on the Site and make use of the various services offered by affinityholdings.net (collectively, "Services") ("Authorized Customers").

Information We Collect

The purposes for which customer information is collected shall be identified before or at the time the information is collected. There are two types of information, we, or our partners, may collect: “Personally identifiable information” (PII) and “Non-personally identifiable information” (non-PII). PII is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Non-PII is information that cannot identify the individual person and is used in the aggregate to provide general information about the users of the Site.

PII: For the purposes of this Privacy Policy, Personal Information shall mean individually identifiable information from or about an individual including, but not limited to: (a) a first and last name; (b) a home or other physical address, including street name and name of city or town; (c) an e-mail address or other online contact information, such as an instant messaging user identifier or a screen name that reveals and individual’s e-mail address; (d) a telephone number; (e) a Social Security number; (f) a persistent identifier, such as a customer number held in a cookie or processor serial number, that is combined with other available data that identifies an individual; (g) age; (h) income level; (i) hobbies, buying patterns or preferences; or (j) any other information from or about an individual that is combined with any of (a) through (j) above. This information may be collected by us or third parties we contract to perform functions or services on our behalf.

Non-PII: Non-PII is information that identifies your computer and its navigational patterns through the services provided by this Site (but not a specific user). We may automatically collect Non-PII when you visit the Site, through the use of a variety of tools including cookies and/or third party tracking technology (small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer), or other available analysis or collection technologies.

How does the Site use Personally Identifiable Information?

We use Personally Identifiable Information to customize the Site, to make appropriate service offerings, and to fulfill buying and selling requests on the Site. We may email Visitors and Authorized Customers about research or purchase and selling opportunities on the Site or information related to the subject matter of the Site. We may also use Personally Identifiable Information to contact Visitors and Authorized Customers in response to specific inquiries, or to provide requested information.

With whom may the information may be shared?

Personally Identifiable Information about Authorized Customers may be shared with other Authorized Customers who wish to evaluate potential transactions with other Authorized Customers. We may share aggregated information about our Visitors, including the demographics of our Visitors and Authorized Customers, with our affiliated agencies and third party vendors. We also offer the opportunity to "opt out" of receiving information or being contacted by us or by any agency acting on our behalf.

How is Personally Identifiable Information used?

By submitting your information, you consent to receive text messages, emails, and/or calls (may be recorded; and may be direct, autodialed or use prerecorded/artificial voices even if on the Do Not Call list) from affinityholdings.net or our partner real estate professionals and their network of service providers, about your inquiry or the home purchase/rental process. Messaging and/or data rates may apply. Consent is not a requirement or condition to receive real estate services. You hereby further confirm that submitting your information creates an electronic signature with the same effect as a handwritten signature.

How is Personally Identifiable Information stored?

Personally Identifiable Information collected by affinityholdings.net is securely stored and is not accessible to third parties or employees of affinityholdings.net except for use as indicated above.

What choices are available to Visitors regarding collection, use and distribution of the information?

Visitors and Authorized Customers may opt out of receiving unsolicited information from or being contacted by us and/or our vendors and affiliated agencies by responding to emails as instructed, or by contacting us at 7620 East McKellips Road, Scottsdale AZ 85257.

Are Cookies Used on the Site?

Cookies are used for a variety of reasons. We use Cookies to obtain information about the preferences of our Visitors and the services they select. We also use Cookies for security purposes to protect our Authorized Customers. For example, if an Authorized Customer is logged on and the site is unused for more than 10 minutes, we will automatically log the Authorized Customer off.

How does affinityholdings.net use login information?

affinityholdings.net uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user's movement and use, and gather broad demographic information.

What partners or service providers have access to Personally Identifiable Information from Visitors and/or Authorized Customers on the Site?

affinityholdings.net has entered into and will continue to enter into partnerships and other affiliations with a number of vendors. Such vendors may have access to certain Personally Identifiable Information on a need to know basis for evaluating Authorized Customers for service eligibility. Our privacy policy does not cover their collection or use of this information. Disclosure of Personally Identifiable Information to comply with law. We will disclose Personally Identifiable Information in order to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose Personally Identifiable Information when reasonably necessary to protect the safety of our Visitors and Authorized Customers.

How does the Site keep Personally Identifiable Information secure?

All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Visitors and Authorized Customers is only accessible to a limited number of qualified employees who are given a password in order to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers or social security numbers, is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering and break-ins, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Authorized Customers for any such occurrences.

How can Visitors correct any inaccuracies in Personally Identifiable Information?

Visitors and Authorized Customers may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by emailing us at

Can a Visitor delete or deactivate Personally Identifiable Information collected by the Site?

We provide Visitors and Authorized Customers with a mechanism to delete/deactivate Personally Identifiable Information from the Site's database by contacting . However, because of backups and records of deletions, it may be impossible to delete a Visitor's entry without retaining some residual information. An individual who requests to have Personally Identifiable Information deactivated will have this information functionally deleted, and we will not sell, transfer, or use Personally Identifiable Information relating to that individual in any way moving forward.

What happens if the Privacy Policy Changes?

We will let our Visitors and Authorized Customers know about changes to our privacy policy by posting such changes on the Site. However, if we are changing our privacy policy in a manner that might cause disclosure of Personally Identifiable Information that a Visitor or Authorized Customer has previously requested not be disclosed, we will contact such Visitor or Authorized Customer to allow such Visitor or Authorized Customer to prevent such disclosure.

Links:

affinityholdings.net contains links to other web sites. Please note that when you click on one of these links, you are moving to another web site. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours.