Terms & Conditions

**Notice of Arbitration Agreement:** These Terms & Conditions contain an Arbitration Agreement that may impact Your rights to use the courts to resolve disputes. Please carefully review the terms of the Arbitration Agreement below. If You do not wish to be bound by the Arbitration Agreement, do not use the Service as defined herein.

**Notice of Class Action/Class Arbitration Waiver:** These Terms & Conditions include a waiver of Your right to proceed with class actions or class arbitrations. Please carefully review for details. If You do not wish to waive rights to class-based relief, do not use the Service.

The following Terms & Conditions (the “Terms”) govern your use of the Certik Media.com site (the “Site”). The Site is made available by Certik Media (the “Site Proprietor” or “we”). BY USING THE SITE, YOU ACCEPT AND AGREE TO THESE TERMS AS APPLIED TO YOUR USE OF THE SITE. If you do not agree to these Terms, you may not access or otherwise use the Site and should cease your use of the Site immediately. We may change the Terms from time to time, and at any time without notice to you, by posting such changes on the Site. By using the Site following any modifications to the Terms, you agree to be bound by any such modifications to the Terms.

You may only use the Site if you are domiciled in the United States and you are 18 years old or older.

**Services Available on the Site.** Via the Site, we provide a service by which consumers can apply to receive quotations from our network of agents, brokers, discount program representatives, and other service providers (the “Services”). We seek to provide valuable information that individuals can use to make their own decisions about discount programs. Once you provide us with the information needed to complete an online application, we will attempt to match you with appropriate agents, brokers, discount programs, or other companies.

We do not issue contracts or bind coverage. We do not endorse or recommend any companies or policies, and we do not provide legal or financial advice. We do not guarantee that any of the agents, brokers, and/or companies to whom we forward your application will contact you or agree to provide you with a contract. We are not responsible in any way for the conduct of the agents, brokers, discount program representatives, and companies that are matched with your online application. If you would like personal advice or specific policy recommendations, you should consult with an agent, broker, or other qualified professional.

We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site or the Services, including, but not limited to, content, features, or hours of availability. We may also impose limits on certain features of the Services or Site or restrict your access to part of or the entire Site without notice or penalty.

There is no charge to you for use of the Site.

**How We Make Money.** Certik Media (collectively, “This Website”) is an independent, advertising-supported website publisher that helps connect individuals with providers and other affiliates to give consumers an opportunity to get information about home quotes & agents. This Website may earn revenue for leads, clicks, calls, and applications generated and may be compensated by its advertisers for sponsored products and services. This compensation may impact how, where, and in what order products appear. This Website does not include all companies or all available products. This Website is not a broker or agent on the sale of service products.

**Proprietary Rights.** As between you and the Site Proprietor, the Site Proprietor owns, solely and exclusively, all rights, title, and interest in and to the Site, all the content, code, data, and materials thereon, the look and feel, design, and organization of the Site, and the compilation of the content, code, data, and materials on the Site, including but not limited to all intellectual property and proprietary rights therein. Your use of the Site does not grant to you ownership of any content, code, data, or materials you may access on the Site. Any commercial use or exploitation of the Site is strictly prohibited. You may view the content on the Site on your personal computer or other internet-compatible device and make single copies or prints of the content on the Site for your personal, non-commercial use only. You may not otherwise copy, reproduce, distribute, or otherwise exploit any content, code, data, or materials on the Site. If you make other use of the Site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws, and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of our trade names, trademarks, service marks, or other marks or logos without our separate express written agreement. Third-party marks are the property of their respective owners.

**User Submissions.** In the course of your use of the Site, you may be asked to provide, or you may provide on your own inclination, information or materials to us (such information and/or materials referred to hereinafter as “User Submissions”). User Submissions include, for example, information you submit to us via your application to receive quotations (“Application Data”). User Submissions also include information and materials you submit to us via other online forms on the Site, by e-mail, or in any other manner via the Site. Our information collection and use policies with respect to the privacy of personal information (with the exception of testimonials, which may be used as set forth in Section 4, below) are set forth in the Site’s Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Submissions. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Submissions. We cannot be responsible for maintaining any User Submissions that you provide to us, and we may delete or destroy any such User Submissions at any time. We reserve the right to refuse to post or to remove any User Submissions, in whole or in part, that, in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate, or in violation of these Terms.

**User Conduct.** You warrant and agree that, while using the Site, you shall not upload, post or transmit to or distribute or otherwise publish through the Site any materials that: (a) are protected by copyright, or other proprietary or intellectual property rights, without first obtaining permission from the proprietary or intellectual property rights holder; (b) are unlawful, threatening, harassing, profane, tortious, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, contain explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), invasive of another’s privacy or hateful; (c) restrict or inhibit any other user from using and enjoying the Site; (d) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability; or (e) contain a virus or other harmful component, advertising of any kind, or false or misleading indications of origin or statements of fact.

You also warrant and agree that you shall not: (a) impersonate any person or entity or misrepresent your affiliation with any other person or entity; (b) upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Site for commercial purposes; (c) engage in spamming, flooding, harvesting of e-mail addresses or other personal information, spidering, “screen scraping,” “database scraping,” or any other activity with the purpose of obtaining lists of users or other information, or send chain letters or pyramid schemes via the Site; or (d) attempt to gain unauthorized access to other computer systems through the Site. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

You agree to defend, indemnify, and hold the Site Proprietor and its directors, officers, employees, agents, and affiliates harmless from any and all claims, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising in any way from your misuse of the Site, your placement or transmission of any message, content, information, software or other materials through the Site, or your breach or violation of the law or of these Terms.

**Arbitration.** Any controversy or claim arising out of or relating to these Terms, or the breach thereof, or Your access to or use of the Services shall be resolved exclusively by arbitration administered by the American Arbitration Association (“AAA”) and conducted before a single arbitrator pursuant to the applicable Rules and Procedures established by the AAA. You further agree that (1) the arbitration will be held in Ft Lauderdale, Florida; (2) the arbitrator shall apply the laws of the State of Florida, without regard to its conflict of law principles to the contrary; (3) You waive any right to proceed in arbitration on a class or representative basis; (4) arbitration can resolve only claims between You and Certik Media; (5) the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; and (6) all parts of this clause are severable, meaning that if any part is deemed unenforceable, the remainder of the clause will remain in effect and be construed in accordance with its terms.

**DISCLAIMER OF WARRANTIES.** THE SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS, IS PROVIDED “AS IS,” “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES,