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Personaweb (“Personaweb”, “”, “The Publisher”, “us” or “we”) offers you access to and use of this website (the “Site”), including user generated reviews, information, data, graphics and other materials and the services (collectively, the “Services”) provided through the Site, and the opportunity to participate on the Site, conditional on your acceptance, without modification, of the terms of use set forth below (the “Agreement”). BY USING OR ACCESSING THE SITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND UNDERSTAND, ACCEPT AND AGREE TO BE BOUND BY THIS AGREEMENT. YOU REPRESENT AND WARRANT THAT YOU ARE OF THE AGE OF MAJORITY AND ARE OTHERWISE ABLE TO ENTER INTO LEGALLY BINDING CONTRACTS, OR, IF YOU HAVE NOT REACHED THE AGE OF MAJORITY OR LEGAL AGE IN THE JURISDICTION WHERE YOU RESIDE, YOU HAVE REVIEWED THIS AGREEMENT WITH YOUR PARENT OR LEGAL GUARDIAN AND HE OR SHE HAS READ AND ACCEPTED THIS AGREEMENT AND CONSENTED TO YOUR USE OF THIS SITE.

1.About is published by Persona web, Inc. and is about our community. Using our technology, we enable consumers to share their experiences within the community. Your use of the Site, and any Participation (as defined below) by you is subject to this Agreement and all applicable guidelines, requirements and policies (collectively, the “Policies”) that we publish on the Site from time to time. These include but are not limited to our privacy policy. You agree to comply with all applicable Policies. There is no need to register for basic access to the Site. However, some features may be limited to users who register. You also must register if you wish to contribute (“Participation”) content. You agree to provide accurate and complete information when registering. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify us immediately of any breach of security or unauthorized use of your account. You may not transfer or assign your account, or permit any other person to use your account.

2.Changes. We reserve the right, in our sole discretion, to add to, remove, modify or otherwise change any part of this Agreement or any Policy in whole or in part (including without limitation any revenue sharing or payment terms), at any time, without notice or liability. You should check the Site periodically for changes to this Agreement or any Policy. Changes will be effective when notice of such change is posted at the Site or as we have advised through any written contact method we have established with you. If any change is not acceptable, you must discontinue your use of the Site immediately. Your continued use of the Site after any such changes are posted will be deemed to represent your acceptance of such changes. No change to the Agreement or any Policy that is not posted to the Site by us is valid unless it is in writing and signed by an authorized signing officer of We may add, modify, terminate, suspend, discontinue, impose limits, restrict your access or otherwise change any aspect of the Site, the Services or your Participation, including the availability of any materials or any features, at any time without notice or liability. We also reserve the right, in our sole discretion, to correct any errors or omissions in any portion of the Site at any time without notice.

3.Use and Participation. We grant you a non-exclusive, non-transferable, revocable, limited right to access, use and view the Site solely for your own personal use and, if you register, to facilitate your Participation. From time to time, either the Site or certain Services or other aspect of the Site will be designated as being in beta or in trial mode. You agree that when the Site or certain Services or features are marked as beta or trial, they have been made available for testing purposes only and may not function consistently, correctly or function at all, and that we assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation, theft or destruction or unauthorized access to, or alteration of any Content or other materials or information. You agree to use reasonable efforts to advise us of bugs, errors, deficiencies and other matters related to the Site and the Services when using beta or trial mode features or Services. You also agree that all use and access of the Site and the Services, your Participation, and your actions and communications on or related to the Site, the Services and your Participation, are your sole responsibility and are undertaken by you at your sole risk. You agree that you are solely responsible for all Content that you submit, including all material, links, and sites that are included in or linked from your Writings. You agree to submit original content authored by you and incidental or reasonably required third party content that you have the right to submit to us in accordance with this Agreement. You agree not to submit duplicate or substantially similar Content. You agree that all Content will comply with the restrictions and limitations in Section . We reserve the right to not accept, publish or distribute any Content in our sole discretion, without notice, obligation or liability to you.

4.Use Restrictions. You may not, may not attempt to, nor may you allow or encourage, promote or advise others to, directly or indirectly: (a) print, download or otherwise save to any storage device or fix in any medium, any of the Site, provided, however, that you may print one paper-based copy of non-substantial extracts of the Site solely for your personal use and save to the extent necessary for temporary cache storage performed automatically by your web browser; (b) sell, reproduce, publicly display, perform, distribute, create derivative works, reverse engineer, modify or attempt to modify the Site in any way, or otherwise use the Site for any public purpose, including without limitation the framing of, or other direct or indirect use of the Site on any other website or in any environment of networked computers; (c) transfer any Site to any other person without our written consent; (d) use the Site for any unlawful purpose or in any unlawful manner, or in any manner which is otherwise contrary to or violates any law, regulation or the rights of any third party (whether contractual, fiduciary or otherwise) or that could damage, disable, overburden or impair the Site; (e) interfere with the security of, or otherwise abuse, the Site or any services, system resources, accounts, servers or networks connected to or accessible through the Site or affiliated or linked sites; (f) disrupt or interfere with any other person’s use or enjoyment of the Site or any affiliated or linked sites; (g) use any robot, spider or other automatic program or device, or manual process to monitor, copy, summarize, or otherwise extract information from the Site in whole or in part; (h) use another person’s account, password, service, system or other information without that person’s prior written authorization and prior written notification to us, create or use a false identity on the Site, impersonate any person or otherwise misrepresent your identity, status, qualifications or affiliations; (i) transmit on, to or from the Site any spam, chain letters, junk mail or any other type of unsolicited mass e-mail, except as may be explicitly permitted through the use of certain Services that may be offered on the Site from time to time; (j) attempt to obtain unauthorized access to the Site or portions of the Site which you are restricted from accessing; or (j) collect or harvest information about any other users of the Site.

5.Content Restrictions. You may not, may not attempt to, nor may you allow or encourage, promote or advise others to, directly or indirectly, upload, post, distribute or otherwise transmit on, through or to the Site: (a) any virus, trojan horse, worm, time bomb, drop dead device, cancelbot, easter egg, backdoor, shutdown mechanism or similar software, code or program which is intended to, is likely to or has the effect of disabling, denying access to, damaging or destroying, corrupting or affecting the normal use of the Site or other data thereon, or any data, software or equipment used in conjunction therewith; (b) unsolicited bulk email, junk mail, spam or chain letters or any other form of solicitation that we consider in our sole discretion to be junk mail; (c) any material that contains any error, deficiency, omission, misstatement or misrepresentation; (d) any material that is or is reasonably likely to be construed as deceptive, misleading, fraudulent, libellous, defamatory, threatening, intimidating, abusive, harassing, violent, degrading, obscene, indecent, sexually suggestive, erotic, pornographic, profane, hateful, harmful or injurious to individuals or identifiable groups, tortious or that may otherwise result in criminal, regulatory or civil liability; (e) incites or promotes bigotry, racism, hatred or harm against any individual or group, promote discrimination based on race, sex, religion, nationality, sexual orientation or age; (f) any material that is or is reasonably likely to contravene any law, statute, regulation, decree, order or similar rule, or that promotes or publicizes illegal or harmful activities or substances (including without limitation activities that promote or provide instructional information about activities such as making or buying illegal weapons or substances); or (g) any material that breaches, violates or infringes, directly or indirectly, any agreement, intellectual property rights, moral rights, publicity rights, privacy rights, fiduciary obligations or other rights of a third party, including without limitation any copyright, trademark, service mark, trade secret, other intellectual property, publicity or privacy right.

6.Proprietary Rights. We and our licensors own all right, title and interest, including without limitation all worldwide intellectual property rights in the Site and all such rights in and to all derivative works or enhancements of, in and to, or relating to the Site. You agree to comply with all copyright and other applicable laws worldwide in your use of the Site and to prevent any unauthorized copying or use of the Site. Where reproduction is permitted, you must retain all copyright and trademark notices and any other proprietary notices. All trade names, company names, trademarks, service marks and other product and service names and logos on the Site (collectively, the “Trademarks”) are the proprietary trademarks of their respective owners, are protected by law and may not be copied, imitated or used (including without limitation use in HTTP headers, meta tags or other non-visible pages, text or code), in whole or in part, without the prior written consent of their respective owners. The Trademarks may not be used by you in any manner whatsoever except as expressly permitted or required under the Terms and Conditions. If you believe that any portion of the Site or the Services, including any Content, may infringe on copyright or other intellectual property rights held by you or a third party, please contact us immediately at [email protected]. We will take steps to investigate and, if appropriate, remedy any such infringement or potential infringement. Except for the rights expressly granted by you under this Agreement, as between us and you, you retain all right, title and interest, including without limitation all worldwide intellectual property rights, in and to your Content. You agree that we are solely a licensee of your Content and assume no responsibility for controlling or monitoring infringements of your rights in and to your Content and that you are responsible for protecting and enforcing same. We may, in our discretion, choose to assist you in connection with protecting or enforcing your rights from time to time, provided that we have no obligation to do so at any other time.

7.Your License. You hereby grant to us a perpetual, irrevocable, worldwide, royalty-free (subject to Section ), exclusive, sublicensable, right and license to use, reproduce, modify, enhance, translate, adapt, excerpt, publish, transmit, publicly perform, display, distribute, reference, store, host, index, cache and create derivative works, or authorize third parties to do any of the foregoing for or on our behalf, in any form, medium or technology now known or later developed, any Content or other documents or materials you submit, upload, e-mail, post, publish or transmit to us or the Site, in whole or in part, whether created by or for you, by any method, and in any and all media, whether currently existing or hereafter developed. You also grant to us the a worldwide right and license to use, reproduce, translate, publish, transmit, publicly perform, display, store, host, index and cache, or authorize third parties to do any of the foregoing for or on our behalf, your trademarks, service marks, trade names, proprietary logos, domain names and any other source or business identifiers in connection with the marketing, distribution and provision of the Site, Services and your Reviews. You agree that you are solely responsible for your Content and other material that you submit to us or the Site, and that we do not approve, endorse, verify, evaluate or guarantee any content or material submitted to us and nothing shall be considered as an endorsement, verification or guarantee of any review, content or other material.

8.Termination. We may terminate this Agreement for any reason at any time. You may terminate this Agreement at any time by providing written notice to us as set forth in Section . Upon termination or expiration of this Agreement: (a) you may no longer use the Site or any Services, including without limitation Participation, including access to copies of any Content or other materials you have submitted. You acknowledge that it is your responsibility to maintain your own copies of any Reviews, Content, or other materials; (b) all licenses granted to You hereunder will immediately terminate; and (c) you will promptly destroy all copies of any of our materials in your possession or control.

9.Confidential Information. You may receive confidential information from us, including software, details of our technology, services, formulates, guidelines, policies, advertising rates, and financial information. Except as expressly authorized by this Agreement or necessary to perform your obligations, you will maintain the confidentiality of, and will not disclose, such information without our prior written consent. The foregoing will not restrict you from disclosing such information pursuant to a valid order or requirement of a court, administrative agency, or other governmental body, provided you give reasonable and timely notice to us to contest such order or requirement. Confidential information does not include information that: (a) is or becomes generally known to the public through no fault of or breach; (b) is rightfully known by you at the time of disclosure without any obligation; (c) is independently developed by you without use of our confidential information; or (d) you rightfully obtain from a third party without disclosure restrictions.

10.Representations, Warranties and Covenants. You represent, warrant and covenant to us that: (a) you have all requisite power and authority, corporate or otherwise, to enter into this Agreement and perform all of your obligations under this Agreement; (b) you have provided, and will continue to provide, information that is correct, complete and current; (c) you own and have full technical and editorial control of all Reviews and other content you have submitted to us or through the Site; (d) you have the right to grant the licenses granted under this Agreement; (e) the execution by you of this Agreement and discharge of your obligations do not and will not conflict with or result in a breach or violation of any of the terms or provisions, or constitute a default under any contract or agreement; (f) your will comply with all applicable laws, rules and regulations (including, without limitation, export control, privacy and obscenity laws), domestic or foreign; (g) you will Participate solely for the purposes intended and expressly permitted; (h) your Reviews and any other information or material you submit or make available, and our use thereof pursuant to this Agreement, will comply with this Agreement; and (i) any Reviews, comments or other materials you submit do not and will not infringe upon any rights, including intellectual property rights, of any other parties, including moral rights or similar rights.

11.Links. Certain links on the Site will take you to other websites. These links are only provided as a convenience and the linked sites to which they lead are not under our control. If you use those sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to review that site’s applicable terms and policies and to take all protective measures to guard against viruses and other potentially destructive elements. We are not responsible for the contents of any such linked site or any other site not under our control. We make no representation or warranty regarding and do not endorse any linked websites, the information appearing thereon or any of the products or services described thereon, or the linked third party sources. Links do not imply that we sponsor, endorse, are affiliated or associated with, or are legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any of the Trademarks. All framing of this Site must be approved in writing by us.

12.Indemnity. You agree to indemnify, defend and hold us and our officers, directors, employees, shareholders, successors, agents, affiliates, subsidiaries and applicable third parties (including without limitation other relevant content creators, advertisers, syndication partners, referral partners, service providers, licensors, licensees, consultants and contractors) (collectively, the “Indemnitees”) harmless from and against any claims, liabilities, losses, costs, damages or expenses (including reasonable attorneys’ fees and costs) directly or indirectly arising out of or in any way relating to: (a) your negligence or wilful misconduct; (b) your Content or any other information or material you submit to us or the Site; (c) your conduct, including your use of the Site, the Services or any actions related to your Participation; (d) any violation or breach of this Agreement, or allegation of such violation or breach by a third party, including breach of any representation made by you hereunder; or (e) the alleged or actual violation or infringement of any intellectual property, privacy, publicity, confidentiality, proprietary, contractual or other rights of any third-party as a result of any action or Participation by you (collectively, the “Claims”). You are solely responsible for defending any such Claims, and for payment of losses, costs, damages or expenses resulting from the foregoing to both a third party and to the Indemnitees. You agree that we have the right, in our sole discretion, to select our own legal counsel to defend us from any Claims (provide however that doing so does not relieve you of your obligations hereunder) and you shall be solely responsible for the payment of all our legal costs and expenses (including reasonable legal fees) incurred in connection therewith. You shall notify us immediately if you become aware of any actual or potential claims, suits, actions, allegations or charges that could affect your or our ability to fully perform your or our respective duties or to exercise your or our rights under this Agreement. You shall not, without our prior written approval, settle, dispose or enter into any proposed settlement or resolution of any Claim (whether having been finally adjudicated or otherwise), if such settlement or resolution may result in any obligation or liability to us. You hereby release the Indemnitees from all claims, demands and damages related to or arising from any dispute or claim related to any other user or any Content. We may assist in the resolution of such disputes and to the extent we do you hereby release us from all claims, demands and damages related to or arising from same.

13.Disclaimer. You acknowledge that any use of or reliance on the Site (including, for greater certainty and for the purposes of this Section , all Services, Content, or Reviews) will be at your sole risk. We make no representation or warranty of any kind regarding the Site, all of which is provided on an “AS IS”, “WHERE IS” and “AS AVAILABLE” basis. WE EXPRESSLY DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, MERCHANTABLE QUALITY, TITLE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS AND FITNESS FOR A PARTICULAR PURPOSE AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USE OF TRADE. We do not: (a) guarantee, and make no representation or warranty as to the truthfulness, accuracy, reliability, correctness, currency, veracity or completeness of the Site or about the results to be obtained using the Site; (b) warrant that the Site will continue to operate, operate without interruptions or that it will be error-free, that defects will be corrected or that it will be free of viruses or other destructive elements; or (c) endorse any Review, or any other statements or opinions made on the Site. We have no obligation to maintain either the availability or the currency of the Site or to provide notice of any changes made to the Site. We assume no obligation, liability or responsibility for the materials on the Site (including any Reviews) or for any damages to users of the Site, however caused. Use of the Site, Content, or Reviews and any reliance on the Reviews (including the purchase of any goods or services or the consummation of any transaction with a third party as a result thereof) are at your own risk. We have no obligation or responsibility to maintain, retain, edit, approve, revise, control or monitor any Reviews. Some people may find Reviews and other content objectionable, inappropriate or offensive. We do not control or guarantee, nor are we responsible for, the truth, accuracy, ownership, completeness, integrity, safety, timeliness, quality, appropriateness, legality or applicability of any content, reviews or other materials. We assume no responsibility for any Reviews or other content or materials generated by users or others, even if we choose, at any time in its sole discretion, to monitor (in whole or in part) Reviews or any other content, and we have no obligation to modify or remove any such Reviews or other content. We make no representations, warranties, covenants or guarantees: (i) regarding the availability, operation, maintenance, timing or delivery of the Site or Services (or any portion thereof); (ii) that Participation will secure any success or generate any revenue or the amount of payment (if any) to be made hereunder; (ii) regarding the relevancy of any advertisements that may be displayed with or proximate to any Reviews; (iii) regarding any rates, including the level or number of clicks, conversions to sales or impressions on any advertisement, in connection with any Reviews; (iv) that any Reviews or other content or material you submit to us or the Site will be retained or will not be removed, deleted, altered, transferred in our sole discretion. You agree that we are not responsible for any problems or technical malfunction of any network, lines, systems, servers, service providers, equipment, software or any other failures due to technical problems or traffic congestion on the internet or on the Site or of any Services, including any injury or damage to you or to any person’s computer. YOU UNDERSTAND AND AGREE THAT WE HAVE THE RIGHT TO REMOVE ANY REVIEWS OR OTHER CONTENT OR MATERIALS (INCLUDING ANY REVIEWS, CONTENT OR MATERIAL SUBMITTED BY YOU) IN WHOLE OR IN PART AT ANY TIME IN OUR SOLE DISCRETION, WITHOUT NOTICE, OBLIGATION OR LIABILITY.




Force Majeure. We have no liability for any failure or delay in the performance of our obligations hereunder on account of events beyond our reasonable control, which may include, without limitation, denial-of-service attacks, strikes, shortages, riots, insurrection, fires, flood, storm, explosions, acts of God, war, terrorism, governmental action, labour conditions, earthquakes, material shortages, extraordinary Internet congestion or extraordinary connectivity issues experienced by major telecommunications providers and unrelated to our infrastructure or connectivity to the Internet, or failure of any Syndication Site or third party distribution partner, (each a “Force Majeure Event”). Upon the occurrence of a Force Majeure Event, we will be excused from any further performance of its obligations effected by the Force Majeure Event for so long as the event continues.

Arbitration. Except as expressly set forth in this Agreement, you agree that all disputes or disagreements between you and us relating to this Agreement in any way (a “Dispute”) will be settled by final and binding arbitration by a single arbitrator. Judgement upon the award rendered in any such arbitration may be entered in any court having jurisdiction thereof, or application may be made to such court for a judicial acceptance of the award and enforcement, as the law of such jurisdiction may require or allow. The arbitration shall take place in the County of San Bernardino, California. There shall be no discovery. The arbitrator shall not limit, expand or modify the terms of this Agreement nor award damages in excess of compensatory damages permitted under this Agreement, and you waive any claim to such excess damages. The arbitrator shall not have any ability to award any equitable remedies against us. The arbitrator shall not have the right to award any damages in excess of damages that could lawfully be awarded by a court of competent jurisdiction. The arbitrator shall issue a written decision containing findings and conclusions on all significant issues. Each party shall bear its own expenses and an equal share of all costs and fees of the arbitration. The content and result of any arbitration shall be held in confidence by all participants, each of whom will be bound by an appropriate confidentiality agreement.

Remedies. You agree to cooperate fully with us to investigate any suspected or actual activity that is in breach of this Agreement. You acknowledge that any violation of this Agreement is a material breach of this Agreement and that we may pursue any and all applicable legal and equitable remedies against you, including an immediate suspension of your account or termination of this Agreement, and the pursuit of all available civil or criminal remedies. We reserve the right to investigate any activity that we suspect may violate this Agreement. You agree that we may, as applicable, withhold payment, notify the authorities, suspend or cancel your account and/or take appropriate actions at any time without notice to you if we, in our sole discretion believe that you have breached or failed to comply (in whole or in part) with this Agreement or any Policies. You agree that breaches of this Agreement by you would cause irreparable injury to us, for which there are no adequate remedies at law, and nothing in this Agreement shall be deemed to prevent or delay our attempt to seek a temporary restraining order, preliminary injunction, specific performance or other equitable relief from any court having jurisdiction, without any abridgment of the power of the arbitrator, for your breach of this Agreement.

Relationship. You acknowledge that you and are independent contractors, and this Agreement, does not establish any relationship of partnership, joint venture, employment, franchise or agency between you and Neither party will have the power to bind the other or incur obligations on the other’s behalf without the other’s prior written consent. Neither party is authorized to act as an agent or representative of the other or for or on behalf of the other party in any capacity other than as expressly set forth in this Agreement. Neither party shall in any manner advertise, represent or hold itself (or any of its agents) out as so acting or being authorized so to act, or incur any liabilities or obligations on behalf of, or in the name of, the other party, unless specifically provided for in this Agreement. Moreover, each party shall be solely responsible for the payment of all of its own taxes, assessments and all other similar withholdings from or assessments on any monies paid hereunder or in connection with the transactions contemplated hereby.

Assignment. You may not assign or transfer this Agreement, in whole or in part, by operation of law or otherwise, without our prior written consent. Any such attempted assignment will be null and void and of no force or effect. We may assign this Agreement at any time without notice or consent. Subject to the foregoing, this Agreement will bind and inure to the benefit of each party’s permitted successors and assigns.

Governing Law. The Agreement shall be deemed to have been made and performed exclusively in the State of California and shall be governed by and construed under the laws of the California without giving effect to such Jurisdiction’s conflict of laws principles. We make no representation or warranty that the Site or Services are appropriate or available for use at any locations outside of California. If you access the Site from outside California, you are responsible for compliance with all local law.

Entire Agreement. This Agreement constitutes the entire agreement between you and us with respect to the subject matter of this Agreement and cancels and supersedes any prior understandings and agreements between you and us with respect thereto. There are no representations, warranties, terms, conditions, undertakings or collateral agreements, express, implied or statutory, between you and us other than as expressly set forth in this Agreement.

Waiver; Severability. The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of this Agreement constitute a waiver of any subsequent breach or default or a waiver of the provision itself. If any portion of this Agreement is found to be unenforceable, such portion will be modified to reflect the parties’ intention and only to the extent necessary to make it enforceable, and the remaining provisions of this Agreement will remain in full force and effect.

Notices. Any demand, notice or other communication to be given to you may be given either by sending to any of the addresses or numbers provided by you when you registered or updated your registration, by posting such notice to the Site, or through any written contact method we have established with you. Any demand, notice or other communication to be given to us shall be given in writing by mail to the following address: Chino, 15970 Los Serranos CC Drive, Unit #120, Chino Hills, CA 91709, ATTN: Legal Department.

Email Subscibers Drawing. Official Rules: Residents of the Chino Valley are eligable, email newsletter subscribers will be placed in a drawing for $300 on December 15, 2008 and the winner announced on our site by December 31, 2008. Odds of winning depend on the number of entries. No purchase is necessary. Entrants may enter by filling out an entry card or by subscribing to our email newsletter at; One entry per valid email address. All other local sweepstakes rules apply.

Privacy Statement For Customer Assistance Programs / Referral Services

Effective Date: 10/01/2008

COMMITMENT TO YOUR PRIVACY wants to make your experience online satisfying and safe. is owned and operated by Personaweb, (collectively “The Company,” “we” or “us”). We understand you value your privacy. This privacy policy (“Privacy Policy”) governs information you provide to us or we learn from your use of this website and tells you how we may collect, use, and share this information.

Except as described in this Privacy Policy, and unless given permission by you, we will not sell or disclose your personally identifiable information to third parties.

Why do we collect your information?

The Company helps consumers like you shop for local services. With your permission, we use the information you share with us to help match you with service providers through introducing you to companies, and other trusted parties who also assist us and you in finding individuals and companies (we refer to all of these as “Providers”) to help you obtain information on those products and services. Providers establish their rates using a variety of criteria. Since we deal with many Providers, the more detailed information you provide the more accurate a quote the Providers may help you locate.


What do we collect and how do we use it?

After you submit your request, we will match you with local and/or national Providers who can meet your needs. We help you make this connection by sharing the information you provide to us with companies, agents, and other trusted partners with whom we have relationships. These Providers help us help you locate individuals and companies who can personally assist you with your needs. Your matching Providers will use the information you provide in your quote request to run your quote and contact you with details. Sometimes The Company does not have a matching Provider based on your location and needs. To help ensure that you get the information you seek, we may pass your information to one of our trusted partner companies to ensure that you receive as many competitive quotes as possible. We are not responsible, and shall not be held liable, if a Provider or other party to whom we have forwarded any of the information you have submitted violates our Privacy Policy or their own privacy policy, if any or otherwise violates the law.

When assisting you, you may provide us with personally identifiable information. Personally identifiable information generally means any information that may be used to identify an individual, including, but not limited to, your name, home address, telephone number, and email address.

Examples of personally identifiable information may include:

* First and Last Name
* Postal Address
* Email Address
* Phone Number
* Driver’s License Number*
* Date of Birth

*This information is not always required, but may be helpful in processing your applications to receive quotations. You should be careful in how you use and share sensitive personal information such as your Driver’s License Number.

We may aggregate information we receive from you and from our users and may use or disclose this information in a manner that is not personally identifiable.


Some providers, for example, insurance companies may need to obtain additional background information about you. For example, consumer reports may be ordered in connection with your application. These reports may provide additional information that may assist in determining your eligibility for products, insurance and rates that you may be charged. Consumer reports may also be used for updates, renewals, or extensions of this insurance. The Providers or insurance companies may also obtain and use a credit-based insurance score contained in your credit report. This information may be combined with information you submit to Company.

Information gathered from Agents

Our web pages contain information for professionals who may be interested in our service. If you submit information through these web pages, your email address and phone number will be used for contact purposes, but not shared with any outside parties except as otherwise described in this Privacy Policy.
Usage tracking

We track website and service usage data to improve the services we offer to our users. We collect user traffic patterns throughout our website. This information is collected to help improve website flow and usability. In addition, we track click-through information, including IP addresses, to our website from the reports and emails we sent to our customers. This is done to gauge the effectiveness of our marketing campaigns and to discourage fraudulent use. However, we do not correlate this information with the personally identifiable information of individual users.


We may place a text file called a “cookie” in the browser files of your computer. The cookie will enable us to relate your use of this website to information that you have specifically and knowingly provided. The only personally identifiable information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk or read cookie files created by other websites that are not owned by Company. Company may use cookies to track user traffic patterns (as described above). In addition, Company uses encrypted cookies to authenticate the user on each page after the user logs onto the website. You can refuse cookies by turning them off in your browser. If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. Some Company features and services may not function properly if your cookies are disabled.

We process personally identifiable information as described above and also for such purposes as:

* To deliver our products and services to users;
* To conduct research and analysis in order to maintain and improve our products and services;
* To alert you to product updates, special offers, updated information and other new services. (You may opt-out of these communications if you so choose.); and
* To contact you in response to requests for information such as “Contact Us.”

User Access

We make a good faith effort to enable you to update personally identifiable information you have provided to us and to enable you to request deletion of the information you may have provided. Please understand that where we are able to delete or update information we receive from you, this does not necessarily mean that information that has been shared with other Providers may be updated or deleted. So, in some cases it may be necessary for you to respond directly to other third parties who may have received information from us with such requests. We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, would be extremely impractical, or where information is required to be retained by law or for legitimate business purposes.


Providers. We do not share personally identifiable information collected on this website with third parties for their direct marketing purposes without your consent. When you begin to provide personally identifiable information to us, you do so for the purpose of our sharing this information with Providers which then becomes subject to their privacy policies. Federal law provides limitations on the information practices of financial institutions such as insurance companies. Agents and others to whom we may forward your personally identifiable information may contact you with a quote by email, telephone, postal mail, or other forms of communication as permitted by law and you agree to receive such contacts when you submit your information. Please understand that because we are in the business of helping consumers, product and service provider, and insurance professionals identify one another, if you do not permit us to share your personally identifiable information we may be unable to assist you and certain of our services and offerings may be unavailable to you. Where an agent or provider may not be available to provide you with a requested quote, we may forward your information to other Providers with whom we have existing business relationships and whom we have screened to help us assist you in locating information. We expect our Providers to whom we forward such information to follow applicable laws and impose restrictions on their use of your personally identifiable information. If you do not permit us to forward your personally identifiable information, our services and offerings may not be available to you.

Other Usage and Offerings. As our business grows, from time to time we may seek to make available additional offerings and services. In doing so, we will strive to give you choices about whether or not you would like to continue to receive future promotional or marketing communications from us or from us on behalf of others whose offerings we think may be of interest to you. In identifying which offerings we think may be of interest to you, we may use and analyze information you have provided to us. If you choose not to receive such marketing communications, you may still receive certain relationship or transactional communications from us as described below. We do not plan to sell, rent or transfer your personally identifiable information for non-insurance related purposes to any third parties unless or except in connection with the merger, sale or reorganization of our business as set forth elsewhere in this policy.

Aggregate information. We may occasionally share aggregate information with third parties. Aggregate information does not personally identify you or otherwise allow anyone to identify you individually.

Vendors and Suppliers. We may provide personally identifiable information to or permit access to personally identifiable information by our vendors and service providers for the purpose of processing personally identifiable information on our behalf or where such access is incident to their assisting us.

Protecting Our Legal Rights and Others’ Rights. We do not otherwise share personally identifiable information about website users with third parties unless we believe using or sharing such information is appropriate to carry out a user’s request or if the Company reasonably believes that doing so is legally required or is in Company’s interest to protect its property or other legal rights or the rights or property of others. Merger or Sale of Company. If we should ever file for bankruptcy or have our assets sold to or merged with another entity, information we receive from you, from this website, may be treated as an asset of Company and may be transferred to the extent permitted by law. Promotions and Programs. From time to time, you may be given the opportunity to participate in sweepstakes, contests, giveaways, or other promotions and programs offered by Company, either alone or with promotional partners. Participation in these promotions or programs may require you to submit information about you, including personally identifiable information. Our use and sharing of your information, including personally identifiable information, collected through a promotion or program will be governed by the official rules or agreement governing that promotion or program, as well as by this Privacy Policy. The terms of those rules or that agreement will have control over any conflicting provisions of this privacy policy.


When you submit your request to us, you agree to receive email, fax, and other forms of communications from us and those to whom we forward your personally identifiable information. If you would like to opt-out of receiving promotional or marketing material from us in the future, you may do so by emailing: [email protected]. Your decision to opt-out shall not preclude us from communicating with you regarding your existing or past relationship with us and shall not preclude us, including our employees, contractors and other representatives, from accessing and using the information you have provided in a manner that is not personally identifying (such as in aggregate or anonymous form). If you do not wish to receive further communications from any entity (such as an Agent) to whom we have forwarded your information, you must contact them directly.


This Privacy Policy applies to websites and services that are owned and operated by Personaweb. We do not exercise control over the websites of third parties that you may link to or view as part of a frame on a page on this website. These other sites may place their own cookies or other files on your computer, collect data, or solicit personally identifiable information from you. We are not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party.


This website is hosted in the United States and is intended exclusively for U.S. residents. In using this website you represent and warrant that you have any and all necessary authorization to submit the information contained in your requests and that you expressly consent to the transfer, use, and forwarding by us of the information you provide to us through the website and to the United States.


No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure security on our systems. We use secure server software and firewalls to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of such firewalls and secure server software.

If we learn of a security systems breach we may attempt to notify you electronically so that you can take appropriate protective steps. By using this website or providing personally identifiable information to us you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of this website. We may post a notice on our website if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice) you should notify us at [email protected].


We may occasionally update this Privacy Policy. When we do, we will also revise the “effective date” on the Privacy Policy. If we should decide to change this Privacy Policy in a manner that we believe would cause us to use or share your personally identifiable information in a way that we think is materially broader or less privacy-friendly from what we have told you here, we will attempt to obtain your consent before implementing the change. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting the personally identifiable information we collect. Your continued use of this website constitutes your agreement to this Privacy Statement and any updates.


If you have any questions, comments, or concerns about Company or this Privacy Policy, please email us at [email protected]. In the event that we are still unable to resolve your concerns we are committed to cooperating to achieve a proper resolution of your privacy concerns.

Version 1.00. Last Updated: October 01, 2021