Terms of Service

Terms of Service Effective Date: January 18, 2025

Welcome to WhereToPay.us. By accessing or using this website, you agree to comply with and be bound by the following Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this site.

1. Acceptance of Terms

By accessing or using WhereToPay.us ("the Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms. These Terms may be updated from time to time without prior notice. Continued use of the Site constitutes your acceptance of any changes.

2. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You are prohibited from:

• Using the Site in any way that violates applicable laws or regulations.
• Attempting to interfere with the proper functioning of the Site.
• Submitting false or misleading information.

WhereToPay.us reserves the right to terminate or suspend access to the Site for violations of these Terms.

3. User-Submitted Data

By submitting any data, information, or content to the Site, you agree to the following:

• Any data you submit becomes the property of WhereToPay.us for the sole purpose of temporarily using it to create a new policy listing.
• WhereToPay.us does not claim ownership of your data beyond this limited purpose.
• You represent and warrant that you have the necessary rights to submit the data and that it does not violate any third-party rights.

4. User Responsibility and Verification

WhereToPay.us provides tools and resources to assist users. However, you are solely responsible for verifying the accuracy and legitimacy of any information provided on the Site.

Important Notice:

• You must verify all payment URLs and related information directly with your insurance company.
• Always double-check URLs before making payments to ensure you are paying the correct entity.
• Best practice is to type your insurance company's website URL directly into your browser instead of relying on third-party links.

By using this Site, you acknowledge and agree that WhereToPay.us is not responsible for any payments made to incorrect entities or for any errors caused by misinterpretation of information on the Site.

5. License to Use Widgets and Tools

WhereToPay.us may provide users with access to widgets, tools, or other software features ("Widgets"). By using these Widgets, you agree to the following terms:

• You are granted a non-exclusive, non-transferable, revocable license to use the Widgets solely as provided by WhereToPay.us and solely for their intended purpose.
• WhereToPay.us reserves the right to modify, update, or discontinue any Widget or feature at any time without notice.
• Users are not granted any ownership rights to the Widgets, tools, or any associated intellectual property.
• Your sole remedy in the event of dissatisfaction with the Widgets, tools, or their modification/discontinuation is to stop using them.

6.  Advertising and Affiliate Relationships

WhereToPay.us may display advertisements, sponsored content, or affiliate marketing links on the Site. By using the Site, you acknowledge and agree to the following:

• Prohibited Advertising: WhereToPay.us will not knowingly advertise retail insurance products.
• Permitted Advertising: The Site may display advertisements for products and services targeted to retail customers or products and services specifically designed for the insurance industry.
• User Feedback: If you see an advertisement that you believe should be removed, please contact us immediately so we can address the issue.

Additional Advertising Details:

• Display of Ads: The Site may display advertisements, including but not limited to banner ads, sidebar ads, pop-ups, and other forms of advertising. These ads may be provided by third-party advertising networks such as Google Ads, Bing Ads, or other providers.
• Affiliate Marketing: WhereToPay.us participates in affiliate marketing programs and may earn commissions from qualifying purchases made through affiliate links. These links redirect you to third-party websites, and WhereToPay.us is not responsible for the content, policies, or practices of those websites.
• Amazon Associates Disclosure: WhereToPay.us is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. As an Amazon Associate, we earn from qualifying purchases.
• Advertising Transparency: All advertisements displayed on WhereToPay.us are clearly labeled as "Sponsored" or "Advertisement" to distinguish them from editorial content.
• Prohibited Content: WhereToPay.us does not allow advertisements or affiliate links promoting prohibited or harmful products, including but not limited to counterfeit goods, misleading claims, or illegal activities.
• Privacy and Cookies: WhereToPay.us may use cookies and similar technologies to collect user data for advertising purposes, including personalized and remarketing ads. By using this Site, you consent to the collection and use of data as described in our Privacy Policy.
• No Endorsement: The inclusion of advertisements or affiliate links does not constitute an endorsement or recommendation by WhereToPay.us of the advertised products, services, or companies.
• User Responsibility: You are solely responsible for reviewing and understanding the terms, conditions, and privacy policies of any third-party websites or services you access through advertisements or affiliate links on the Site.

7. Ownership of Intellectual Property

All content, materials, software, widgets, and features available on the Site, including but not limited to text, graphics, logos, designs, and code ("Intellectual Property"), are the exclusive property of WhereToPay.us or its licensors and are protected by applicable copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any Intellectual Property without prior written consent from WhereToPay.us.

If you submit feedback, suggestions, or ideas to WhereToPay.us, you grant WhereToPay.us a perpetual, worldwide, royalty-free, irrevocable, and transferable license to use, reproduce, modify, and distribute your contributions for any purpose.

8. Disclaimer of Warranties

The Site, Widgets, and all services provided by WhereToPay.us are offered "as is" and "as available" without any warranties of any kind, express or implied. WhereToPay.us disclaims all warranties, including but not limited to:

• Fitness for a particular purpose.
• Non-infringement.
• Accuracy or reliability of information provided.

WhereToPay.us does not guarantee uninterrupted or error-free service and is not responsible for any technical issues, bugs, or vulnerabilities.

9. Limitation of Liability

To the fullest extent permitted by law, WhereToPay.us shall not be liable for any damages arising out of or in connection with your use of the Site, Widgets, or services, including but not limited to:

• Direct, indirect, incidental, or consequential damages.
• Losses resulting from incorrect payment information, errors, omissions, or service interruptions.

By using this Site, you release WhereToPay.us from any and all liability related to your use of the Site, Widgets, or services, including but not limited to financial losses, data breaches, or unauthorized transactions.

10. Third-Party Links

The Site may contain links to third-party websites. WhereToPay.us is not responsible for the content, policies, or practices of any third-party websites. Accessing such websites is at your own discretion and risk.

11. Indemnification

You agree to indemnify and hold harmless WhereToPay.us, its owners, affiliates, and employees from any claims, damages, liabilities, or expenses arising out of your use of the Site, Widgets, or services, your violation of these Terms, or your violation of any third-party rights.

12. Changes to the Terms

WhereToPay.us reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting. It is your responsibility to review these Terms periodically for updates.

13. Termination of Use

WhereToPay.us reserves the right to terminate or suspend your access to the Site, Widgets, or services at any time, without prior notice, for any reason, including but not limited to violation of these Terms. Upon termination, your license to use the Widgets and any other features of the Site will immediately cease.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the state of Ohio.

15. Alternative Dispute Resolution 

Any disputes arising out of or related to these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA). The arbitration shall take place in Ohio, and the decision of the arbitrator shall be final and binding.

You agree to waive your right to participate in any class action lawsuits against WhereToPay.us. If arbitration is not permitted by law, any disputes shall be resolved exclusively in the courts located in Ohio.

16. Entire Agreement

These Terms constitute the entire agreement between you and WhereToPay.us regarding your use of the Site and supersede any prior agreements or understandings, whether written or oral.

17. Contact Information

If you have any questions or concerns about these Terms, please contact us using the form below.