Legal Notices

Welcome!

We are glad you are visiting our website.

Please take a few minutes to read carefully the Terms and Conditions of Use and our Website Privacy Policy. FairCost, LLC.  is referred to hereafter as the “Company,” “we,” “our” or “us.”

Terms and Conditions of Use

Acknowledgment of the Company’s Terms and Conditions of Use

As a user of the Company’s web content, it is imperative that you review and understand the Company’s policies concerning use of its website contained within the Company’s “Terms and Conditions of Use” and “Website Privacy Policy”.

By using the Company’s website, you are consenting to the Terms and Conditions of Use and the Website Privacy Policy set forth below. Likewise, you acknowledge that use of the Company’s website is at your risk and discretion. If you do not agree to the terms and conditions of use, you may not access or otherwise use the Company’s website. As a condition of your use of this website, you warrant and represent to the Company that you will not use this website for any purpose that is unlawful, violates any third party’s rights, or is prohibited by these terms, conditions, and notices.

The Company reserves the right at its sole discretion to modify the Terms and Conditions of Use and the Website Privacy Policy from time to time. Your continued use of the website after any such modifications shall constitute your agreement to be bound by any such changes. The Company may modify, suspend or discontinue all or any portion of its website without notice or liability.

You and Company agree that certain minimum hardware and software requirements must be met in order to conduct electronic transactions.

You may terminate your use of the Company’s web content should you be unable to communicate electronically under these or any new technical requirements.

You understand that Company cannot and does not guarantee or warrant that any files which may be available for downloading through the Company’s website will be free of computer viruses or other code that manifests contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Company’s website for the reconstruction of any lost data.

Disclaimer

The information contained on the website (or presented during any online chat session) is for informational purposes only and no warranty is made that the information is error-free. The information contained within the Company’s web pages may be, at any time, outdated and may include inaccuracies and/or errors. Information may change at any time without notice.

NEITHER COMPANY, NOR ANY OF ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, AGENTS, LICENSORS OR CONTENT PROVIDERS MAKES ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND REGARDING ITS WEBSITE, THE CONTENT OR ANY SERVICE PROVIDED HEREIN. THE CONTENT AND SERVICES ARE PROVIDED ON AN “AS IS” BASIS AND COMPANY SPECIFICALLY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY OR WARRANTIES AGAINST INFRINGEMENT. COMPANY, ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, AGENTS, LICENSORS AND CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, LOST PROFITS, LOSS OF PROGRAMS OR DATA, OR INTERRUPTION IN BUSINESS ACTIVITY, RESULTING FROM OR CAUSED BY THE COMPANY’S WEBSITE, THEIR CONTENT, ANY SERVICES PROVIDED HEREIN OR THE DELAY OR INABILITY TO USE THE COMPANY’S WEBSITE, OR ANY INFORMATION, MATERIALS, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED WEBSITE. WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.  SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. THE COMPANY DOES NOT REPRESENT OR ENDORSE THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE WEBSITE. YOU ACKNOWLEDGE THAT ANY RELIANCE UPON SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. THE COMPANY RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE WEBSITE. THE COMPANY RESERVES THE RIGHT AT ALL TIMES TO DISCLOSE ANY INFORMATION AS NECESSARY TO SATISFY ANY LAW, REGULATION OR GOVERNMENT REQUEST, OR TO EDIT, REFUSE TO POST OR TO REMOVE ANY INFORMATION OR MATERIALS, IN WHOLE OR IN PART, THAT IN COMPANY’S SOLE DISCRETION ARE OBJECTIONABLE OR IN VIOLATION OF THIS AGREEMENT.

Company does not assume any responsibility or risk for your use of the Company’s web content or website, is not responsible for any changes that may be required by your internet service provider (ISP), and will in no event be liable to you or anyone else for any decision made or action taken by you or anyone else in reliance upon the information provided through Company’s web content or website.

Changes to This Site

Information may be changed or updated without notice. Company has no obligation to update information presented on this website, so information contained herein may be out of date at any given time.   Company may also make improvements and/or changes in the products and/or programs described in this information at any time without notice.

Website Does Not Replace Professional Advice

Content and data within the Company’s website (or presented during any online chat session) are to be used for informational purposes only and does not replace professional advice. If you have specific health care needs, or for complete health information, please see a doctor or other health care provider.

Not a Solicitation

Nothing within the Company’s website is to be construed as a solicitation or offer to purchase insurance for Company or any of its affiliated companies.

Products offered by the Company vary state-to-state and are subject to the requirements of each respective state and the terms and conditions of each policy. Not all products are available in all areas and some products may only be available for employer groups.

Intellectual Property

The Company logo, website addresses and all content and images contained within the website, as well as all copyright, trademark, trade dress, registered or not, and other rights therein, are owned or licensed by the Company and its affiliates. Nothing contained on the Company’s website grants you any right or license by implication, estoppel or otherwise in or to such information or trademarks without the express written permission of the Company. You agree not to copy, use or otherwise infringe upon any trademarks or service marks contained in the Company’s website. You further agree that you will not alter or remove any trademark, copyright or other notice from any copies of the information downloaded from the Company’s website. Unauthorized use may violate trademark and other laws.

Third Party Websites

The Company’s website may contain links to third party websites. These links are provided for your convenience and the Company is not to be held responsible for information contained in any third party websites, regardless of whether there are connections to or from the Company via hyperlinks and/or pointers. The Company does not have control over any information on any other organization’s website(s).

When leaving the Company website to visit another website we recommend that you review that third party’s terms and conditions of use and privacy policy. If you leave the Company’s website via a link, please remember:

• The Company does not endorse the content and accuracy of the websites you are about to visit, and therefore, disclaims responsibility for their content and accuracy;
• The Company does not make any express or implied warranties, representations or endorsements whatsoever with respect to the linked websites you visit;
• In no event will the Company be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from information available from any websites for which we provide a link; and
• The Company is not to be held responsible for information contained in third party websites whereby there is a connection to or from the Company via hyperlinks and/or pointers.

Your Representations

You represent, warrant and covenant that: (a) you shall not upload, post or transmit to or distribute or otherwise publish through the website any materials which (i) restrict or inhibit any other user from using and enjoying the website, (ii) are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, (iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right, (v) contain a virus or other harmful component, (vi) contain any information, software or other material of a commercial nature, (vii) contain advertising of any kind, or (viii) constitute or contain false or misleading indications of origin or statements of fact; and (b) that you are at least eighteen (18) years old.

Indemnification

You hereby agree to indemnify, defend and hold the Company, and all its officers, directors, owners, agents, employees, information providers, subsidiaries, affiliates, licensors and licensees (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any misuse of this website or the foregoing representations, warranties and covenants, including, without limitation, attorneys fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. The Company 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 shall not in any event settle any matter without the written consent of the Company.

Invalidity

If any part of this policy is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the policy shall continue in effect.