Last Modified: July 18, 2019
Services are provided by the following entities: Kin Interinsurance Network, a Florida reciprocal insurance exchange; Kin Insurance, Inc., a Delaware corporation; Kin Risk Management, LLC, a Florida limited liability company; Kin Insurance Network Distributor, LLC, a Delaware limited liability company; Kin MGA, LLC, a Delaware limited liability company; and Kin Insurance Technology Hub, LLC, a Delaware limited liability company (these entities are collectively referred to in these Terms as “Kin”, “we”, “us”, or “our”). Kin offers insurance Services through multiple insurance carriers, including the Kin Interinsurance Network, and holds licenses in Florida, Alabama, Texas, Georgia, and Illinois.
KIN RESERVES THE RIGHT TO ADD TO, SUBTRACT FROM, OR CHANGE THE SERVICES AT ANY TIME.
Not all Services are available in all states. Kin is paid commissions and may receive other performance-based compensation for its services. We don’t and don’t intend to sell insurance products anywhere Kin or its representatives are not licensed, although we may refer you to someone else who sells insurance in a state in which Kin or its representatives are not licensed.
These Terms may not describe all of the terms, conditions, exclusions and exceptions applicable to Kin’s Services. All insurance coverages are subject to the complete terms and conditions of the insurance policies issued. Coverages, terms, and conditions and their availability may vary by city, county, or state, and individual risk circumstances.
This Website is offered and available to users who are 18 years of age or older. If you do not meet this requirement, you must not access or use the Website or the Services.
We may revise these Terms from time to time in our sole discretion, and the most current version will be posted on our Website at kin.com/terms. By continuing to access or use the Services after revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you must stop using the Services.
Kin may, now or in the future, allow you to link your account on the Service to your account(s) on third party services, such as social networking sites (“Linked Accounts”). If you link your account on the Service to a Linked Account, you are authorizing Kin to store and use your access credentials to access your Linked Account, on your behalf as your agent, to integrate your experience with the Service with content, information, and features available through such Linked Account. This may include importing the contacts, preferences, interests or “likes” of the Linked Account, and/or pushing updates regarding your use of the Service out to your Linked Accounts. Linking, accessing or using a third party service through the Service in this manner may be subject to additional terms established by the applicable third party, and it is solely your responsibility to comply with such third party terms.
We reserve the right to withdraw or amend the Website or the Services at any time, in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website or the Services are unavailable at any time or for any period. From time to time, we may restrict or block access to the Website or the Services.
All premium estimates and quotes generated by Kin are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on our Website are general descriptions of available coverages and are not a statement of contract. The information and materials related to premium estimates and quotes contained in the Website are intended for general reference only. Prices and coverage limitations included in premium estimates and quotes change based on your answers to our questions during your application, your choices for different products, or due to changes of insurance pricing guides. Whenever you leave your application prior to obtaining an insurance policy, your price may change. Your price and policy terms are not final until you sign and pay.
In connection with the Services, we may review your credit report or obtain or use a credit-based insurance score based on information contained in your credit report. We will not review your credit report or obtain or use a credit-based insurance score when doing so violates applicable law. An insurance score uses information from your credit report and claims history to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies, and foreclosures.
All applications for insurance coverage on the Website are subject to underwriting approval of the insurance carrier providing the applicable policy. Not all of the Services described on this Website are available in all areas of the United States. Coverages and availability vary by state and you may not be eligible for certain policies. We reserve the right to determine eligibility.
If your insurance policy application is approved, Kin will contact you with an electronic version of the available insurance policy. All purchases of insurance policies through our Website or other transactions for the sale of services formed through the Website are governed by important rules, conditions, exceptions, and requirements. Your rights and responsibilities are explained there. A copy of your insurance policy will be sent (by mail or electronic delivery) to you after you sign and your policy is bound. It will also be available in your account. By using the Services, you agree to the use of electronic signatures in connection with the Services. All manifestations of assent, including but not limited to, click-throughs and typed or digitized handwritten signatures, shall have the same legal effect as original handwritten signatures.
If you elect to report an insurance claim, the information you submit regarding your insurance policy and the loss is subject to review and verification. Kin reserves the right to request additional information regarding any claim. A claim representative may communicate with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact Kin by phone at (855) 216-7674, by email at email@example.com, or by any other contact method listed on the Website. At the time of a claim, coverage will be determined in accordance with the terms and conditions of the applicable insurance policy.
Kin’s name and all related names, logos, product and service names, designs, and slogans are trademarks of Kin or its licensors. You may not use such marks without the prior written permission of Kin. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
You may use the Website only for lawful purposes and in accordance with these Terms. In connection with your use of the Website, you agree:
Additionally, you agree not to:
In connection with your use of the Services, we may send you service announcements, administrative messages, and other information. You may opt out of some of those communications, but may not opt out of other communications. For example, you may not opt out of communications regarding insurance claims that you file under a policy purchased through the Website.
The Services may contain links to third party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We are not affiliated with those websites, do not endorse them, have no control over those websites, and assume no responsibility and/or liability for the content, privacy policies, or practices of any third party websites. In addition, we will not and cannot censor or edit the content of any third-party site.
Subject to these Terms and our policies (including policies made available to you within the Services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our Services, provided that you: (i) will not copy, distribute or modify any part of the Services without our prior written authorization; (ii) will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.; (iii) will not transmit any content which contains software viruses, or other harmful computer code, files, or programs; (iv) will not disrupt servers or networks connected to the Services; and (v) will comply with these Terms. Using our Services does not give you ownership of any intellectual property rights to our Services or the content you access.
Certain software code incorporated into or distributed with the Website or otherwise with the Services may be licensed by third parties under various “open-source” or “public-source” software licenses (collectively, the “Open Source Software”). Notwithstanding anything to the contrary in these Terms, the Open Source Software is not licensed under these Terms and instead is separately licensed pursuant to the terms and conditions of the applicable open-source software licenses. You agree to comply with the terms and conditions of such open-source software license agreements.
All right, title, and interest in and to Services including worldwide intellectual property rights therein, are and will remain the exclusive property of Kin and its applicable licensors. We reserve all rights in and to the Services not expressly granted.
We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: (i) satisfy any applicable law, regulation, legal process, subpoena, or governmental request; (ii) enforce these Terms, including investigation of potential violations of it; (iii) detect, prevent, or otherwise address fraud, security, or technical issues; (iv) cooperate with law enforcement authorities; (v) respond to user support requests; (vi) protect our, our users’ or the public’s rights, property, or safety; or (vii) improve the user’s experience on the Website.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE, OR ITEMS OBTAINED THROUGH THE WEBSITE, OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON THE WEBSITE, OR ON ANY WEBSITE LINKED TO THE WEBSITE.
YOUR USE OF THE WEBSITE, ITS CONTENT, OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND THE PLATFORM OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER KIN NOR ANY PERSON ASSOCIATED WITH KIN MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER KIN NOR ANYONE ASSOCIATED WITH KIN REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR THE WEBSITE OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
KIN HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
IN NO EVENT WILL THE COLLECTIVE LIABILITY OF KIN,OR ITS LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, MANAGERS, OFFICERS, OR DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED $1,000. IN NO EVENT WILL KIN OR ITS LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, MANAGERS, OFFICERS, OR DIRECTORS BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
You agree to defend, indemnify, and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, licensors, and/or successors and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorneys’ fees) arising from: (i) your use of the Services; (ii) your violation of these Terms; (iii) any inaccuracies in your Application Information; (iii) your violation of any third party right, including without limitation any copyright, property, publicity or privacy right; including all actions taken under your account. This defense, hold harmless, and indemnification obligation will survive any termination of these Terms and your use of the Services.
All matters relating to the Website and these Terms and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by, and construed in accordance with, the internal laws of the State of Illinois without giving effect to any choice or conflict of law provision or rule (whether of the State of Illinois or any other jurisdiction).
Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Illinois, in each case located in the City of Chicago and County of Cook. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
No waiver by Kin of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Kin to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.
Kin reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense, or pledge in any manner whatsoever, any of its rights and obligations under these Terms to a subsidiary, affiliate, successor, or to any third party whatsoever, without notifying you or receiving your consent. You shall not transfer, assign, delegate, sublicense nor pledge, in any manner whatsoever, any of your rights or obligations under these Terms.
All feedback, comments, requests for technical support, and other communications relating to the Website should be directed to firstname.lastname@example.org.
When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to Kin through the “Contact Us,” User Forum, or Support interfaces, or through any other channel or mechanism (collectively, “Contributions”), you acknowledge and agree that: (i) your Contributions do not contain confidential or proprietary information; (ii) Kin is not under any obligation of confidentiality, express or implied, with respect to the Contributions; (iii) Kin shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way; (iv) Kin may have something similar to the Contributions already under consideration or in development; (v) your Contributions automatically become the property of Kin without any obligation of Kin to you; and (vi) you are not entitled to any accounting, compensation, or reimbursement of any kind from Kin under any circumstances.