You are using an outdated browser, for security reasons we recommend you upgrade your browser today.

Terms and Conditions

It is very important that you read all the sections carefully.

When you select a password and choose to sign-up for the online services offered by Honest Policy, you agree to the following conditions.

This Honest Policy License Agreement is a legal agreement between you and Honest Policy, which permits you to access and use the various Service offered by Honest Policy and defined by the terms of this agreement. By logging into the Honest Policy website, you affirm that you have read and understood and agree to be bound by the Disclaimer and the Terms and Conditions of Use for this website, without limitation or qualification. For purposes of this Agreement, “you” means the individual or entity that is a party to the Honest Policy Agreement:

Honest Policy is authorized to act on the instructions received under your password without any requirement to question those instructions;

Honest Policy is not liable for any unauthorized access to your personal information that is not directly due to the negligence of Honest Policy;

Your password contains sensitive information and you will keep it confidential and secret;

You will notify Honest Policy immediately if you believe anyone else has learned your password or if you believe an unauthorized access to Honest Policy or your personal information has occurred or may occur;

Honest Policy may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

The material provided on the Honest Policy website, including the information and any images, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent.

You agree not to engage in systematic retrieval of data or other content from Honest Policy. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

While every effort is made to ensure the accuracy of the information on this website and other information provided to you by Honest Policy, portions of this information may be incorrect or out-of-date. Neither Honest Policy nor its affiliated companies, their officers, directors, employees, agents, information providers or suppliers warrants the accuracy, reliability, or timeliness of information provided and shall not be liable for any losses caused by such reliance on the scope, accuracy, reliability, or timeliness of such information.

Limitation of Liability

By using this website you agree that neither Honest Policy nor its affiliated companies, their officers, directors, employees, agents, information providers, or suppliers shall have any liability to you under any theory of liability or indemnity in connection with your use of this website or the services of the American Safety Council.

Honest Policy will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injury caused by any:

(1) use of (or inability to use) the sites;
(2) use of (or inability to use) any site to which you hyperlink from its websites;
(3) failure of performance;
(4) error;
(5) omission;
(6) interruption;
(7) defect;
(8) delay in operation or transmission;
(9) computer virus;
(10) line failure.

We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages—or both.

Honest Policy shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of

(a) the use of, or inability to use, this site or content found in this site,
(b) unless resulting from the gross negligence or intentional actions of Honest Policy, its employees, agents or representatives, the unauthorized access to or alteration of your transmissions or data, even if Honest Policy has been advised of the possibility of such damages.

Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you. Notwithstanding the foregoing paragraph, the total liability of Honest Policy, if any, for losses or damages shall not exceed the fees paid by the user for the particular information or service provided. In no event shall Honest Policy be liable to you for any losses or damages other than the amount referred to above.

Due to possible linguistic differences, advertising statements in Spanish may not necessarily reflect the content of the policy written in English. In the event of a dispute concerning policy terms, the policy written in English will apply.

Legal Disclaimer

This website provides the information for the sole purpose of increasing a motor vehicle owner’s knowledge of safe and efficient motor vehicle operation and insurance.

We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the Honest Policy site or have moved elsewhere. Honest Policy makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites. Honest Policy is not responsible for the practices employed by websites linked to or from the Honest Policy website, nor the information or content contained therein. When you use a link from the Honest Policy website to another website, our Privacy Policy is no longer in effect. Browsing and interaction on any other website, including websites which have a link to the Honest Policy website, is subject to that website's own rules and policies.

By providing material on our website Honest Policy does not in any way promise that the materials will remain available to you or that you will qualify for any products we may offer. Honest Policy is entitled to terminate all or part of any of its Websites at any time, without notice to you.

Privacy

All information collected from users of our sites is subject to our Privacy Policy, which is incorporated by reference into this agreement.

We recognize the importance of protecting your personal information and we are committed to safeguarding your privacy online. This website does not collect personally identifying information about you except when you specifically and knowingly provide it. We also take reasonable and sufficient precautions to protect your personal information.

When we do collect personal information, we use this to help us better serve your needs, such as through the provision of services or information that may be of interest to you.

We do not sell or rent your name or personal information to any third party. We do not sell or rent our mailing lists.

Our privacy policy covers this website's treatment of personally identifiable information that we collect when you are on the website and when you use our services. Personally identifiable information includes, but is not limited to, first and last name, physical address, zip code, email address, phone number, social security number, birth date, credit card information, financial information, and other sensitive information necessary to provide the associated services.

If, however, we are required by law to comply with a valid legal requirement such as law, federal regulation, search warrant, subpoena or court order, we may be required to release personal information.

Password Registration

Some areas of the Honest Policy web site are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

Copyright/Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Honest Policy. Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of Honest Policy, on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site’s content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Honest Policy, is prohibited.

Agents and Brokers

In most states, independent insurance agents offer Honest Policy products to consumers. There are a few states, most notably California and New York, where insurance brokers place insurance products on behalf of customers. Although there are important legal distinctions between agents and brokers, for readability purposes this Web site may use "agent" to refer to both. While the relationship between brokers and Honest Policy differs from our relationship with independent agents, including the fact that brokers do not have binding authority, many of the same or similar tools and services are available to them. In some states, brokers and agents may charge additional fees for the placement or servicing of a policy.

Jurisdiction/Enforceability

Use of this site shall be governed by, and construed in accordance with the laws of the State of without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Miscellaneous

Honest Policy may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.

During the Term of this Agreement, Honest Policy hereby grants you a limited, royalty-free, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use internally Honest Policy information and services, including and all applicable accompanying documentation and user guides.

Any use of the Service not expressly permitted in this Agreement is prohibited. You are entirely responsible for maintaining the confidentiality of your account information, including your password, and for any and all activity that occurs under your account.

You will not and will not allow or authorize any third party to:

(i) transfer, disclose, assign, or sublicense your user name or password or otherwise allow use of or access to the Service by a third party;
(ii) copy, publish, distribute or otherwise cause or permit any third party to use or view the Service (including screen shots, reports or other content from the Service);
(iii) attempt to disrupt or to gain unauthorized access to the Service, other user accounts, web sites or networks connected to Honest Policy websites, through password mining or any other means.