Revised June 24, 2024

PLEASE READ THESE TERMS AND CONDITIONS (“Terms”) BEFORE USING THIS SITE. As used in the Terms and Additional Terms (defined below), “Smart Coverage” refers to Smart Coverage LLC, a Delaware limited liability company located at 8281 Greensboro Drive, Suite 100, Tysons, VA 22102 (“Smart Coverage”) and all of its subsidiaries and affiliated companies either collectively or individually.  “Affiliates” means any entity that, directly or indirectly, owns or controls, is owned or controlled by, or is under common ownership or control with, a party. Your use of this site is also subject to our Privacy Policy  (“Additional Terms”). By continuing to access or use the Services, you acknowledge that you have read and understand these Additional Terms and agree to be bound by them as well.

BY CONTINUING TO ACCESS OR USE SMART COVERAGE’S WEBSITE, DATA, INFORMATION, PRODUCTS, APPLICATIONS, OR SERVICES (COLLECTIVELY “SERVICES”), YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THESE TERMS AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT ACCEPT OR UNDERSTAND ALL OF THESE TERMS, DO NOT ACCESS OR USE THIS SITE AND CEASE YOUR CURRENT ACCESS. SMART COVERAGE RESERVES THE RIGHT, AT ITS SOLE DISCRETION, TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS OR ADDITIONAL TERMS, AT ANY TIME, BY POSTING CHANGES TO THIS PAGE/SITE. YOUR CONTINUED ACCESS TO OR USE OF THE SERVICES AFTER SUCH POSTING CONFIRMS YOUR CONSENT TO BE BOUND BY THESE TERMS, AS AMENDED, OR ADDITIONAL TERMS. IF YOU DO NOT AGREE TO BE BOUND BY THE REVISED TERMS, YOU MAY NOT ACCESS OR USE THE SERVICES.

PLEASE READ THESE TERMS CAREFULLY TO ENSURE THAT YOU UNDERSTAND EACH PROVISION. THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION (SEE PARAGRAPH 28) AND CLASS ACTION/JURY TRIAL WAIVER PROVISION (SEE PARAGRAPH 29) THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.

 

1. Conditions of Service.

You warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. Persons less than 18 years of age may not use this site and must leave immediately.

You further warrant that all information you provide about yourself, or your organization is true and complete information. You agree to promptly notify Smart Coverage of any changes in the information provided about yourself or your organization or any other material changes that could impact your use of the Services.

You agree that any document or electronic information delivered through the website by “clicking” on the designated spaces in or relating to such document shall be deemed to be “in writing” and to have been “signed” and delivered for all purposes by you. Any record of such confirmation (including, without limitation, electronic records) shall be deemed to be “in writing.” You further agree that you shall not contest the legally binding nature, validity or enforceability of any document or confirmation based on the fact that it has been executed by “clicking” on the designated spaces and expressly waives any and all rights you may have to assert such a claim.

You further agree: (i) to comply with applicable U.S. federal, state, and local laws and regulations regarding the transmission of any information obtained from the Services; (ii) not to use the Services for false, fraudulent or illegal purposes; (iii) not to use any device, software or similar technology that interferes or disrupts the operation of this site; and (iv) to comply with the authorized use of and entry into Smart Coverage’s systems and Services.

2. Insurance Brokerage Services

You are not required to use Smart Coverage for insurance brokerage services in order to obtain an account and use Smart Coverage’s software. You may use the software for free. However, if you choose to use Smart Coverage’s insurance brokerage services (“Insurance Brokerage Services”), you agree to: (i) designate Smart Coverage as your broker of record or agent of record; (ii) authorize Smart Coverage to communicate such designation as broker or agent of record to any insurance carrier, your prior insurance producer, and any other person or entity Smart Coverage determines should be advised; (iii) work exclusively with Smart Coverage for such Insurance Brokerage Services unless we have otherwise expressly agreed; (iv) agree to use Smart Coverage’s third-party payment processing partner for all payment transactions pertaining to Insurance Brokerage Services and pay any transaction fees as that partner may require as part of the payment processing with the understanding that such transaction fees are separate from and not collected by Smart Coverage; and (iv) permit Smart Coverage to receive any commission or other form of compensation that any insurance carrier agrees to pay to Smart Coverage in connection with the provision of Insurance Brokerage Services. For further information regarding Smart Coverage’s compensation, please see our Compensation Disclosure.

3. Intellectual Property Ownership.

This website, including but not limited to its trademarks, trade names, service marks, content, materials, designs, text, photographs, video, audio and graphics (collectively “Content”), belong to Smart Coverage or to other parties. No one is authorized to use or alter any of the Content in any manner without the prior written permission of the owner of the Content.

The Content is protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, adapted, displayed, reproduced, republished, uploaded, downloaded, posted, distributed, performed or otherwise used without the prior express permission of Smart Coverage. All Content, databases and other intellectual property rights associated with the Services, whether registered or unregistered, and related goodwill, are proprietary rights of Smart Coverage. Your use of and access to this site does not grant you a license or any right to use any of the Content.

Modification of any Content or materials displayed on the website or the use of any materials displayed for any other purpose is a violation of the copyrights and other proprietary rights of Smart Coverage and is prohibited.

4. Restrictions on Use.

You agree to use the Services solely for your own personal use and benefit or for that of your organization. You may not use this site or the Services for any commercial, financial or other similar purpose without the prior written consent of Smart Coverage.

5. Consent for Advertising or Marketing Purposes.

As consideration for use of the Services, you grant Smart Coverage a non-exclusive, royalty-free, perpetual, irrevocable license and right to publicly display, distribute, reproduce and use your name, photo, likeness, business affiliation or similar information throughout the world in any media solely as part of the features of the Services, including as part of Smart Coverage’s advertising or marketing.

6. Disclaimer of Warranties – General.

USE OF THE SERVICES, THE CONTENT AND ANY MATERIALS OBTAINED THROUGH YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. SMART COVERAGE MAKES NO WARRANTY OF ANY KIND REGARDING THIS WEBSITE, THE SERVICES AND/OR THE CONTENT WHICH ARE PROVIDED “AS-IS,” “AS AVAILABLE” AND “WITH ALL FAULTS.” SMART COVERAGE EXPRESSLY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THIS WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED. SMART COVERAGE FURTHER DISCLAIMS ANY WARRANTY AS TO THE ACCURACY, RELIABILITY, ADEQUACY, COMPLETENESS OR TIMELINESS OF ANY OF THE CONTENT ON THIS WEBSITE, AND FURTHER EXPRESSLY DISCLAIMS LIABILITY RESULTING FROM OR ARISING OUT OF ANY ERRORS OR OMISSIONS CONTAINED IN THE INFORMATION OR MATERIALS ACCESSED ON OR THROUGH THIS WEBSITE.

SMART COVERAGE EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, EXCEPT TO THE EXTENT SUCH WARRANTIES ARE REQUIRED BY APPLICABLE LAW. SMART COVERAGE DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY CONTENT OR OTHER INFORMATION PUBLISHED THROUGH THE SERVICES.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS WARRANTY DISCLAIMER MAY NOT APPLY IN WHOLE OR IN PART TO YOU.

7. Limitation of Liability.

UNDER NO CIRCUMSTANCES WILL SMART COVERAGE BE LIABLE FOR ANY LOSS OR DAMAGES INCLUDING, WITHOUT LIMITATION, GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR ANY OTHER DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, EMOTIONAL DISTRESS OR OTHER INTANGIBLE LOSSES) OF ANY KIND WHETHER IN AN ACTION IN CONTRACT OR TORT, EVEN IF SMART COVERAGE WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, ARISING OUT OF OR RELATING IN ANY WAY TO: (A) ANY PARTY’S USE OR INABILITY TO USE THE SERVICES, THE CONTENT, OR ANY THIRD-PARTY SITE TO WHICH THE SERVICES OR CONTENT LINK; (B) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; (C) THE COST OF GETTING SUBSTITUTE GOODS OR SERVICES; (D) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICES; (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (F) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICES; (G) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY SITE; (H) ANY INJURY OR DAMAGES, WHETHER CAUSED BY THE NEGLIGENCE OF SMART COVERAGE, ITS EMPLOYEES, SUBCONTRACTORS, AGENTS, SUPPLIERS OR OTHERWISE ARISING IN CONNECTION WITH THE SERVICES; (I) ANY FAILURE OR DELAY (INCLUDING WITHOUT LIMITATION THE USE OF OR INABILITY TO USE ANY COMPONENT OF THIS WEBSITE) TO SUBMIT APPLICATIONS FOR INSURANCE PRODUCTS OR SERVICES; (J) ANY ACTIONS ASSOCIATATED WITH THE SUBMISSION OR HANDLING OF A CLAIM; (K) ANY ACTIONS ASSOCIATATED WITH THE DELAY IN ISSUING ANY CERTIFICATE OF INSURANCE OR THE HANDLING OR TRACKING OF CERTIFICATES OF INSURANCE; OR (L) ANY OTHER MATTER ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES, THE CONTENT OR USER CONTENT. SMART COVERAGE IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER.

YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES OR THE CONTENT IS TO DISCONTINUE USING THE SERVICES OR ACCESSING THE CONTENT. IN NO EVENT WILL SMART COVERAGE’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER EXCEED THE AMOUNT OF COMMISSION, FEE OR OTHER REMUNERATION EARNED BY SMART COVERAGE FOR PROVIDING SERVICES TO YOU FOR THE TWELVE MONTHS PRIOR TO THE ALLEGED ACT CAUSING DAMAGES.

8. Limitation of Liability – Waiver of Unknown Claims.

BY ACCESSING THE SERVICES, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, WHICH PROVIDES AS FOLLOWS:

“A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR,”

AND, TO THE EXTENT APPLICABLE, CORRESPONDING RIGHTS UNDER ANY SIMILAR LAW OF ANY STATE.

IF ANY OF THE FOREGOING LIMITATIONS IN PARAGRAPHS 5 THROUGH 7 ARE FOUND TO BE INVALID, SMART COVERAGE’S TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

9. Indemnification.

You agree to defend, indemnify and hold harmless Smart Coverage and its employees, representatives, suppliers and agents from and against any and all claims, suits, actions, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by Smart Coverage in connection with, arising out of or in any way related to: (i) your use of the Services or the Content; (ii) your violation or alleged violation of the Terms or Additional Terms, including, without limitation, your violation or alleged violation of any applicable law; (iii) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; (iv) your violation of any other state or federal law or regulation and (v) your use of Third-Party Services (defined below). Smart Coverage reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.

10. No Legal Advice.

Any information you access on this website does not constitute a recommendation, advice, or complete description of any products, Content Services, or plan.

Coverage is provided by various insurance companies and is subject to the terms and conditions contained within your specific policy. The availability of coverage under your specific policy depends on the policy language, the facts of the claim and the law of the jurisdiction governing the interpretation of the policy.

You must not rely on the information on this website as an alternative to legal advice from an attorney nor should you delay seeking legal advice, disregard legal advice, or commence or discontinue any legal action based on the Services or Content.

11. Third-Party Services and Links.

Smart Coverage may make branded services of third-party vendors available to you to help manage your risks (“Third-Party Services”). Although these Third-Party Services may be billed through Smart Coverage, Smart Coverage assumes no liability for the Third-Party Services or any disputes associated with any Third-Party Services.

Smart Coverage may use third party vendors (“Third-Party Vendors”) to host or deliver certain experiences within or connected to its website, including but not limited to communication facilitation, payment processing and premium financing. You agree and acknowledge that Smart Coverage is not liable for such Third-Party Vendors as part of a communication or payment/financing experience. Please read and understand the terms, conditions, privacy policy and any fees associated with transactions as they are those of the Third-Party Vendors hosting such experience and separate from these Terms and Smart Coverage’s Privacy Policy and Compensation Disclosures.

Smart Coverage may provide, or third parties may provide, links to other websites or resources on the Internet. You acknowledge and agree that Smart Coverage is not responsible for the availability of such external websites or resources, and Smart Coverage does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources or for any privacy or other practices of the third parties operating those websites or resources. Smart Coverage strongly encourages you to review any separate terms of use and privacy policies governing use of any third-party websites and resources.

12. Licensed Entities.

Smart Coverage is licensed as applicable in various U.S. states. This website is not intended as a solicitation for insurance or claims services in any state or province where Smart Coverage is not licensed.

13. Applications and Quotes.

Submitting an application for an insurance quote through this website does not guarantee that a quote will be provided. An application may be declined based on available underwriting information, including information from third-party sources. Quotes may be used by Smart Coverage to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. A quote does not constitute insurance coverage.

14. Benchmarking Data.

Smart Coverage uses commercially available benchmarking data. Smart Coverage makes no guarantee as to the accuracy of its benchmarking data. Moreover, this information is not a quote or an offer of coverage at a specified price.

15. Insurance Companies and Underwriting Guidelines.

Insurance companies decide whether or not to offer, renew, cancel or non-renew insurance coverage or otherwise provide customers with the requested insurance products. In certain circumstances, Smart Coverage may act on behalf of a number of unaffiliated insurance companies and may provide underwriting services subject to guidelines or other operations requirements issued to it by those insurance companies. All decisions regarding any insurance products, including but not limited to, approval for coverage, premium, commission, fees, or issuing company will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, and exclusions set forth in the applicable insurance policy. Smart Coverage makes commercially reasonable efforts to maintain price, availability of coverage and information as accurately as possible, however, prices, terms, conditions or exclusions are subject to change without notice, and not all Services or insurance products may be available in all locations, states, jurisdictions, provinces, territories, or risk profiles. Please see a copy of your policy for the full terms and conditions. Policy obligations are the sole responsibility of the issuing insurance carrier. Smart Coverage is not responsible or liable for any resulting loss based on those underwriting decisions made in compliance with applicable requirements. v

16. Certificates of Insurance.

Smart Coverage may obtain, review and track certificates of insurance for you. Smart Coverage does not independently verify the information in these certificates of insurance. You must not rely on the information provided by Smart Coverage as an alternative to legal advice from an attorney nor should you delay seeking legal advice, disregard legal advice, or commence or discontinue any legal action.

You should also understand that a certificate of insurance is an informational document that evidences the existence of the policy to which it refers. It does not create any coverage or legal obligations between the insurance company and the certificate holder, nor does it confer additional insured status or other coverage to a certificate holder. A certificate of insurance does not alter the terms of the parties’ underlying contract or indemnity agreement.

A certificate of insurance typically identifies the agent or broker, the insured, and the insurer providing the coverage. It also gives basic information about the policy to which it refers, including the type of insurance, the policy number, the effective and expiration dates of the policy and the liability limits. However, neither the insurance company nor the broker who issued the certificate of insurance has a duty to inform a certificate holder of inaccuracies in, or subsequent changes to, the information contained in a certificate of insurance. There is also no duty to inform the certificate holder that the policy to which the certificate refers has been canceled or was not renewed.

To fully understand the potential coverage provided under a policy, a certificate holder should secure a copy of the insurance policy and consult with a qualified attorney.

17. Policy Summaries.

The coverage, exclusion, endorsement and other summaries provided by Smart Coverage are for general informational purposes only. They are not intended to provide legal advice, and should not be treated as such.

Smart Coverage uses its best efforts to prepare the policy summaries, but does not guarantee their accuracy. You should review your actual policy to confirm coverage. The availability of coverage under your specific policy depends on the policy language, the facts of the claim and the law of the jurisdiction governing the interpretation of the policy.

18. No Modification of Insurance Policy or Coverage.

Unless otherwise expressly stated in writing, nothing contained on this website or provided to you by Smart Coverage should be construed as modifying, changing or altering your policy or coverage thereunder.

19. A.M. Best Ratings.

A.M. Best ratings for insurance companies may be provided as a courtesy reference and change frequently. Contact Smart Coverage for the most current rating.

20. Decisions, Services and Your Responsibilities.

You agree and consent to provide and receive electronically all documents related to obtaining and receiving Services, including but not limited to insurance applications, policies, endorsements, notices, disclosures, disclaimers, cancellations, and related communications, and further acknowledge that while you have an active policy with Smart Coverage, you cannot opt-out of any Service related communications whether electronic or otherwise.

When you consent to receive Communications electronically, you should not expect to receive a paper copy of any Communication, unless a written or paper copy is required by law or requested of us in writing by you. Paper copies not required by law may incur a reasonable service charge for their printing and delivery to you. You may request a paper copy in writing using the contact details below.

All information you provide for and in connection with any Services must be true, correct, and not misleading. Your choice to purchase any Services or act upon any recommendation provided by Smart Coverage is solely yours. By submitting or signing an application of insurance, digitally or otherwise, you acknowledge that it shall be the basis of the contract should a policy be issued and may be attached to and become a part of such policy. Any information, representation, or warranty you make in conjunction with receiving Services is relied upon and subject to applicable insurance fraud laws or regulations. For any Services purchased or ordered, including but not limited to any insurance policy purchased on the website or otherwise, the user who makes such purchase or order will be the contact of record for those Services. You are responsible for understanding and ensuring your settings are updated and that you allow or restrict access accordingly.

21. Surplus Lines Products.

Smart Coverage may not be able to provide Services, specifically insurance policies, in the admitted market for the terms, conditions, or exposures you require or present to us. Quotes or insurance proposals may include offerings from insurers who are not licensed or admitted to transact business in a certain state and are not subject to the supervision of such state’s insurance department. These insurers are generally referred to as surplus lines insurers and in the event the insurer becomes insolvent, the state insurance guarantee fund(s) will not respond. Taxes, fees and other surcharges may be due for such insurance policies, which will be invoiced accordingly. Some states require that you acknowledge such insurance policies as being surplus lines in writing. Such forms or documents requiring signature will be delivered to you or your organization, and must be signed by an authorized representative and returned to Smart Coverage promptly, otherwise coverage could be compromised or canceled.

22. Payments.

A. General

Smart Coverage makes payment options available to you in connection with the Insurance Services you choose. Information regarding these payment options are included on invoices. You may choose your preferred payment method provided that all payments are made in US Dollars. As a duly authorized representative of the Insured, you represent and warrant that you have the right to use any payment method you submit in connection with any payment.

Certain types of Insurance Services are subject to fees, surcharges, taxes or other amounts required by third-parties. Smart Coverage endeavors to provide you with notice of these in advance, but in all instances, the responsibility to pay these amounts remains the responsibility of the Insured.

B. Third-Party Payment Processors

Smart Coverage uses third-parties to process certain payment and financial transactions. These parties may charge transaction fees and may offer payment options that include premium financing through a lender. You should review and understand their policies and direct any questions to them. Smart Coverage is not responsible for your payment decisions or transactions with those third-parties.

C. Financial Safety
There has been an increase in fraudulent activities such as phishing and scamming aimed at obtaining sensitive financial data. One specific concern is the unauthorized changing of routing information for payments. Smart Coverage will never change its banking information without utilizing a second form of confirmation. We also never have any of our banks, or any other company call on our behalf to make bank changes.

If you receive any communication that Smart Coverage banking information has changed or differs from the payment instructions, you should immediately call your Smart Coverage contact to notify us. Do not click on any links in any email message. If you choose to make a payment electronically, you should log into your Smart Coverage account and navigate to the Payments area. From there, you will be directed to complete the payment process.

23. No Guarantee of Services.

Smart Coverage is constantly changing and improving its Services. We may add or remove functionalities or features, and we may suspend or stop a Service altogether. We may terminate, suspend, change, or restrict access to all or any part of the Services, in each case without notice or liability.

Smart Coverage also reserves the right to limit the availability of the Services or the provision of any Content to any person, organization, geographic area or jurisdiction, at any time and in its sole discretion.

24. Access Outside the United States.

If you access the Services from outside the United States, you are responsible for compliance with foreign and local laws. Smart Coverage does not provide insurance brokerage or other services to governments, governmental agencies, businesses, individuals, other groups, or any of their agents that are subject to U.S. trade sanctions. By using the Services, you represent and warrant that you are not subject to any U.S. trade sanctions.

25. Termination.

These Terms, as may be amended from time to time, are effective until your account, if applicable, is deactivated by either you or Smart Coverage and you discontinue your use of the Services. Any section of the Terms that by their nature is intended to survive termination of the Services or your use or access to the Services or the Content shall survive such termination.

26. Governing Law.

The laws of the Commonwealth of Virginia, including its statutes of limitations and excluding the conflicts of law provisions thereof, shall govern this Agreement and will apply to any disputes arising out of or in any way related to these Terms or the Services.  You agree that all controversies or claims arising out of or relating to Smart Coverage the Terms or Services and will be submitted to the exclusive jurisdiction of, and agree that venue is proper in, state courts in Fairfax County, Virginia, or the United States District Court for that state, in any legal proceeding. You acknowledge that these Terms may evidence a transaction involving interstate commerce. Notwithstanding the foregoing, any arbitration conducted pursuant to these Terms shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16). The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

28. Arbitration.

READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM SMART COVERAGE.

Any controversy or Claim arising out of or relating to this Agreement, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, subject to the provisions of this Agreement, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.  The costs of arbitration, including the fees and expenses of the arbitrator(s), shall be shared equally by the parties.  Each party shall bear its own costs and attorneys’ fees for preparing and presenting its case.  The parties agree that this Section 13.2 and the arbitrator’s authority to grant relief shall be subject to the United States Arbitration Act, 9 U.S.C. 1-16 et seq. (“USAA”), the provisions of this Agreement, and the ABA-AAA code of Ethics for Arbitrators in Commercial Disputes.  The parties expressly agree that the arbitrator shall have the authority to provide injunctive relief or equitable remedies as necessary including, without limitation, in the event of a breach affecting the non-breaching party’s intellectual property or proprietary rights, Confidential Information or business reputation. In no event shall the arbitrator(s) have the authority to make any award that provides for punitive or exemplary damages.  The decision of the tribunal shall follow the plain meaning of the relevant documents. Notwithstanding the foregoing arbitration requirement, if Smart Coverage or any other Indemnified Party becomes a defendant in a proceeding in any court and the indemnification applies to such Claim, or there is a good faith basis to contend that the indemnification applies to such Claim, Smart Coverage shall have the right to enforce the indemnification, and any other provision of this Agreement, against  Service Provider in such court proceeding, including by impleading or cross-claiming against  Service Provider or otherwise.  In addition, notwithstanding the foregoing, Smart Coverage shall have the right to seek injunctive relief in any court of competent jurisdiction with respect to any breach by  Service Provider of its obligations under this Agreement, including any breach affecting Smart Coverage’s intellectual property, trade secret, Confidential Information or other proprietary rights Smart Coverage or any other Indemnified Party or be a representative plaintiff or plaintiff class member in any such lawsuit.

If the matter is not resolved by informal negotiations or mediation, then the matter will proceed to arbitration as set forth below.

Any dispute, claim or controversy arising out of or relating to these Terms or the Additional Terms or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in San Francisco, unless otherwise agreed upon by Smart Coverage. The arbitration shall be administered by JAMS pursuant to either its Comprehensive Arbitration Rules or Streamlined Arbitration Rules and Procedures depending upon the amount of the damages claimed, excluding attorneys’ fees. Judgment on the award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. Nothing in this paragraph shall be deemed as preventing Smart Coverage from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of our data security, intellectual property rights or other proprietary rights.

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to your use of this site, the Services, the Terms or Additional Terms must be filed within one (1) year after such claim or cause of action arose.

If any provision of the Terms is found by a court of competent jurisdiction or arbitrator or arbitration panel to be invalid or unenforceable, such provision shall be enforced to the maximum extent permissible and the other provisions of the Terms shall remain in full force and effect.

If any action at law or in equity is necessary to enforce these Terms, the prevailing party will be entitled to reasonable fees of attorneys, accountants and other professionals, and costs and expenses in addition to any other relief to which such prevailing party may be entitled.

All offers, promises, conduct and statements, whether oral or written, made in the course of the mediation by any of the parties, their agents, employees, experts and attorneys, and by the mediator, are confidential, privileged and inadmissible for any purpose, including impeachment, in any arbitration or other proceeding involving the parties, provided that evidence that is otherwise admissible or discoverable shall not be rendered inadmissible or non-discoverable as a result of its use in the mediation.

29. No Class Actions.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION YOU MAKE AGAINST SMART COVERAGE ARISING OUT OF, IN CONNECTION WITH OR IN ANY WAY RELATED TO THE SERVICES WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE PROCEEDING. THIS WAIVER APPLIES TO CLASS ARBITRATION, AND, UNLESS SMART COVERAGE AGREES OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS.

YOU FURTHER AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND SMART COVERAGE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE ACTION.

30. Entire Agreements and No Waiver.

The Terms and Additional Terms (and any terms which are incorporated by reference herein or hereinafter implemented) constitute the entire agreement between you and Smart Coverage in connection with your use of the Services. The titles contained in the Terms are inserted only as a matter of convenience and have no legal or contractual effect. You agree that the Terms will not be construed against Smart Coverage by virtue of having drafted them.

The failure of Smart Coverage to enforce any of its rights or act with respect to a breach of the Terms by you or others does not constitute a waiver of any such rights and will not limit Smart Coverage’s rights with respect to such breach or any subsequent breaches. No waiver by Smart Coverage of any of the provisions in the Terms will be of any force or effect unless made in writing and signed by a duly authorized officer of Smart Coverage.

31. Official Correspondence.

Official Correspondence may be sent to legal@smartcoverage.com or via postal mail to:

Smart Coverage

8281 Greensboro Drive, Suite 100

Tysons, VA 22102