As a customer of Verifacto, Inc. (“Verifacto”)’s client, with whom you conduct or have conducted business (the “Company” or, if more than one, the “Companies”) and who has directed you to this website (the “Site”), you have the option to use the Verifacto Customer Portal Service, for your convenience, to receive account alerts, receive and send messages to the Company, update your personal and insurance information, receive and print invoices, make online payments, be notified about special promotions from our Partners or third party providers (the “Service”). If you (“You”, “Your” or “Customer”) wish to use the Service, You must agree to the terms and conditions as provided herein (these “Terms of Service”) regarding Your use of the Service.
2. DESCRIPTION OF SERVICE
The Service is an online customer portal tool to assist You and the Company to communicate efficiently among each other, collecting payment of its invoices, and provide You relevant information regarding your account with the Company. The Service allows You to electronically receive alerts, messages, special offers and invoices via email and or SMS from the Company, and allows You to make electronic payment on such invoices using one of the electronic payment methods made available to You by the Company (for example, via payment card or automated clearing house (“ACH”)) and The payment will be charged to the payment card or bank account for which you provide account information and will be deposited into the bank account selected by the Company. In addition, You can make updates to your personal and insurance information, send messages to the Company, and request insurance quotes from our partners and third party service providers.
3. REPRESENTATIONS AND WARRANTIES; ACKNOWLEDGEMENTS
4. CHANGES TO TERMS OF SERVICE
Verifacto reserves the right to revise these Terms of Service and the documents referenced herein at any time in its sole discretion and will notify the Company that changes to such documents have been made by sending an e-mail message to that effect. It is the Company’s responsibility, and not that of Verifacto, to notify You of such changes. You may view the current version of the terms governing your use of the Service by clicking on the Terms link at the bottom of the page of your web experience. Any changes shall be effective immediately after the time at which such changes are posted on the Site. Your continued use of the Service after the terms have been changed constitutes Your affirmative acknowledgment of, and agreement to abide and be bound by, the modified terms and conditions.
5. LICENSE AND USE OF THE SITE
You are hereby granted a limited license to use during the Term (as described below) to utilize, including making incidental copies arising from the operation of Your browser, the Service, the Site and the content contained on the Site solely to receive invoices and make payments. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works from, decompiling, reverse engineering, disassembling, transferring or using the Service or any content available on the Site for any other purpose.
6. TERM AND CANCELLATION
These Terms of Service, as amended, changed and modified from time to time, remain in effect until the earlier of (a) such time as You no longer use the Service to pay invoices and (b) such time as it is canceled or terminated, as provided herein (the “Term”). The Company and Verifacto each may cancel Your access to, or any aspect of, the Service at any time by providing written notice to You at the most current email address the Company or Verifacto, as applicable, has for You. You may discontinue use of the Service at any time by providing written notice to Verifacto via email at firstname.lastname@example.org or via facsimile at (866) 566-3336.
7. PROPERTY RIGHTS
Verifacto and other third parties other than You, as applicable, own all rights, title and interest in and to Service and the Site, and all portions thereof, including, without limitation, all intellectual property rights in connection therewith.
8. NO WARRANTIES
YOUR USE OF THE SERVICE IS AT YOUR OWN RISK. THE SERVICE AND ALL CONTENT MADE AVAILABLE ON OR THROUGH THE SITE OR VIA THE SERVICE ARE PROVIDED TO YOU BY VERIFACTO, AT THE REQUEST OF THE COMPANY, ON AN "AS IS" AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. THE COMPANY AND VERIFACTO MAKE NO WARRANTY THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS, (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. THE COMPANY AND VERIFACTO ARE NOT RESPONSIBLE FOR (A) THE ACCURACY, TIMELINESS OR RELIABILITY OF ANY INVOICE OR STATEMENT GENERATED THROUGH THE SERVICE OR (B) THE ACCURACY, TIMELINESS OR RELIABILITY OF ANY PAYMENT MADE THROUGH THE SERVICE. OTHER THAN AS REQUIRED UNDER APPLICABLE LAW, UNDER NO CIRCUMSTANCE WILL THE COMPANY OR VERIFACTO, OR ANY OF THEIR RESPECTIVE AGENTS, AFFILIATES, OFFICERS, DIRECTORS OR EMPLOYEES, BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE SERVICE OR ON INFORMATION OBTAINED THROUGH THE SERVICE OR THE SITE, OR BY YOUR RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. THE COMPANY AND VERIFACTO DO NOT WARRANT THAT THE SITE IS COMPATIBLE WITH YOUR EQUIPMENT OR THAT THE SITE IS FREE OF VIRUSES, WORMS, BOTS OR ANY OTHER HARMFUL, INVASIVE OR CORRUPTED FILES.
9. LIMITATION OF LIABILITY
THE INFORMATION, SOFTWARE, PRODUCTS, SERVICE, SITE, CONTENT ON THE SITE, AND DESCRIPTIONS OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND THE COMPANY AND VERIFACTO SPECIFICALLY DISCLAIM ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. THE COMPANY AND VERIFACTO DO NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE IS COMPLETE OR UP-TO-DATE. THE COMPANY AND VERIFACTO ARE UNDER NO OBLIGATION TO UPDATE THE SITE, THE SERVICE OR THE CONTENT ON THE SITE. VERIFACTO MAY CHANGE THE SITE, THE SERVICE AND THE CONTENT CONTAINED ON THE SITE, AND MAY MAKE IMPROVEMENTS OR CHANGES THERETO, AT ANY TIME WITHOUT NOTICE. YOU AGREE THAT THE NEITHER THE COMPANY NOR VERIFACTO, NOR ANY OF THEIR RESPECTIVE AGENTS, AFFILIATES, OFFICERS, DIRECTORS OR EMPLOYEES, WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF, OR IN CONNECTION WITH, THE USE OF THE SITE, THE SERVICE, THE CONTENT ON THE SITE OR A LINKED SITE, OR ARISING OUT OF, OR IN CONNECTION WITH, THE DELAY OR INABILITY TO USE THE SITE OR A LINKED SITE, EVEN IF THE COMPANY OR VERIFACTO, OR ANY OF THEIR RESPECTIVE AGENTS, AFFILIATES, OFFICERS, DIRECTORS OR EMPLOYEES, WERE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, WITHOUT LIMITATION, THE TRANSMISSION OF ANY VIRUSES THAT MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (E.G., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, DATA LOSS, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE EVENT. THE COMPANY AND VERIFACTO CANNOT, AND DO NOT, GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE SITE, THE SERVICE OR THE CONTENT RELATED THERETO.
10. VIOLATIONS OF SERVICE TERMS
The Company or Verifacto may, each in their respective sole discretions, immediately terminate Your use of the Site if it believes that You are violating or have violated these Terms of Service or the terms and conditions of the other documents referenced herein. Any such termination will be without prejudice to any other rights that Verifacto may have against You arising from a violation of these Terms of Service or of the other documents referenced herein.
12. GOVERNING LAW
The laws applicable to the use of the Site and the interpretation of these Terms of Service shall be the laws of the State of Georgia, United States, and applicable federal law, without regard to any conflict of law provisions.
You, the Company and Verifacto agree that any and all disputes, claims or controversies arising out of or related to the use of the Site, the provision of the Service or these Terms of Service, including any claims under any statute or regulation (“Disputes”), shall be submitted for binding arbitration. Unless the parties agree otherwise, any arbitration shall take place in the State of Georgia, City of Atlanta and County of Fulton, and shall be administered by, and pursuant to the commercial arbitration rules of, the American Arbitration Association. Disputes shall be arbitrated on an individual basis. There shall be no right or authority for any Disputes to be arbitrated on a class action basis or in a purported representative capacity on behalf of the general public or other persons or entities similarly situated. The arbitrator’s authority to resolve Disputes and to make awards is limited to Disputes between You, the Company and Verifacto alone, and is subject to the limitations of liability set forth in these Terms of Service. Disputes brought by either You, the Company or Verifacto against the other party(ies) may not be joined or consolidated in arbitration with Disputes brought by or against any third party, unless agreed to in writing by You, the Company and Verifacto. No arbitration award or decision on any Disputes shall be given preclusive effect as to issues or claims in any dispute with anyone who is not a party to the arbitration. Should any portion of this paragraph be stricken from these Terms of Service or deemed otherwise unenforceable, then the entire section of these Terms of Service labeled “Arbitration” shall be stricken from these Terms of Service. The provisions of the section of these Terms of Service labeled “Arbitration” and all arbitration awards duly made in connection therewith may be enforced in a court of competent jurisdiction, and the party seeking enforcement shall be entitled to an award of all costs, fees and expenses (including attorney fees) incurred in obtaining the enforcement of this provision, to be paid by the party(ies) against whom enforcement is ordered. All arbitration awards duly made under these Terms of Services shall not be subject to review or appeal except as permitted by applicable law. Any provision of these Terms of Service to the contrary notwithstanding (a) You, the Company or Verifacto may seek interim relief from a court located in the State of Colorado, City and County of Denver to protect such party’s rights or property while arbitration is pending, and (b) Verifacto may bypass the aforementioned arbitration process in cases of fraud or other crimes against Verifacto, interference with Verifacto’s technical operations or violations of Verifacto’s rights or property.
15. DATA SECURITY
Verifacto adheres to Payment Card Industry Data Security Standards (“PCI DSS”) and will maintain its PCI DSS certification as a service provider. Verifacto protects and secures cardholder data in our possession according to our responsibility under PCI DSS. During the Term, You agree to comply with PCI DSS and, at the request of Verifacto, to undergo a yearly self-assessment and submit a yearly “Attestation of Compliance” or complete other certification processes and procedures as required by PCI DSS.
You acknowledge that this is an online service. A printed version of these electronically presented Terms of Service and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Service to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that regardless of any statute or law to the contrary, any claim or cause of action You bring arising out of or related to Your use of the Site, the provision of the Service or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in this Terms of Service are solely used for the convenience of the parties and have no legal or contractual significance.