<center><b><u>TERMS OF USE</u></b></center> <br> **Effective Date: Jan 1, 2021** <br> The following Terms of Use (“Site Terms”) describe the terms and conditions on which Bubble Insurance Solutions, a wholly-owned subsidiary of Bubble Technologies, Inc. (“Bubble” or “we”) offers you access to https://www.getmybubble.com/ and related sub-domains, apps, browser extensions and widgets (“Site”). <br> <p> Before accessing and using the Site, please read these Site Terms carefully because they constitute a legal agreement between Bubble and you. BY USING THE SITE, YOU AFFIRM THAT: </p> - YOU HAVE READ AND UNDERSTAND THESE SITE TERMS; - YOU WILL COMPLY WITH THESE SITE TERMS; AND - YOU ARE AT LEAST THE AGE OF LEGAL MAJORITY IN YOUR PLACE OF RESIDENCE AND OTHERWISE LEGALLY COMPETENT TO ENTER INTO CONTRACTS. ​ ​ <p> IMPORTANT NOTE: These Site Terms contain provisions that limit Bubble’s liability to you related to your use to your use of the Site and require you to resolve any dispute with us on an individual basis and not as part of any class or representative action. Please see DISCLAIMER OF WARRANTIES & LIMITATIONS OF LIABILITY (Section 7) and GOVERNING LAW; DISPUTE RESOLUTION(Section 9) below for more information. <p> 1. CHANGES TO SITE TERMS ​ The Effective Date of these Site Terms is set forth at the top of this webpage. As we add new features to the Site, we may modify these Site Terms. When we modify these Site Terms, we will update the Effective Date and, when reasonably possible, we also will provide you with advance written notice of our changes. We will not make changes that have a material retroactive effect unless we are required to do so by law or to protect the rights of other Site users. Your continued use of the Site after the Effective Date constitutes your acceptance of the amended Site Terms. The amended Site Terms supersede all previous versions of or agreements, notices or statements of or about the Site Terms. Any change to the dispute resolution will not apply to any dispute for which we have actual notice before the date the change is posted on the Site. 2. ADDITIONAL TERMS ​ Additional terms and conditions may apply to certain features of the Site. When presented to you, you must agree to the additional terms before using the features to which they apply. These Site Terms and the additional terms will apply equally unless an additional term is irrevocably inconsistent with these Site Terms, in which case the additional term will prevail but solely to the extent of the inconsistency. 3. PRIVACY ​ Please review the Bubble Privacy Policy https://www.getmybubble.com/privacy-policy to learn about the information that we collect from or about you when you use the Site and how we process it. Without limiting the terms of our Privacy Policy, you understand that Bubble uses, stores, and otherwise processes information collected through the Site and also may share that information with our insurers and service providers and as appropriate, other parties such as advertisers, for the purposes of improving the Site, or for sending you tailored information about our products and services that we believe may interest you (including through email with your consent if and when required by applicable law. We do not and cannot guarantee the security of information provided by you through the Site. You are responsible for using the precautions and security measures best suited for your situation and intended use of the Site. We reserve the right at all times to disclose any information as we deem necessary to satisfy any applicable law or government regulator’s request. 4. BUBBLE CONTENT ​ The Site, including any information, graphic, artwork, text, video clip, audio clip, trademark, logo, and other content provided on or through the Site (collectively, "Bubble Content"), is owned by Bubble or its licensors and protected under foreign and domestic copyright, trademark and other laws. Bubble grants to you a nonexclusive, nontransferable, and limited license (without the right to sublicense) to access and use the Site and download, print, and/or copy Bubble Content solely for your own personal use to learn about Bubble and subject to these Site Terms. All rights not expressly granted herein are reserved by Bubble. These Site Terms grant you only the limited rights described in these Site Terms. Nothing contained in these Site Terms grants by implication, estoppel or otherwise, any license or right in or to Bubble’s trademarks, logos or service marks (“Marks”), patents, trade secrets, or other intellectual property embodied in the Site. Unauthorized use of any of the Marks or our other intellectual property may violate the law. 5. USING THE SITE ​ 5.1. Your Responsibilities: You may use the Site for lawful, non-commercial purposes only. You may not use the Site in any manner that could damage, disable, overburden or impair our servers or networks or interfere with any other party's use and enjoyment of the Site. ​ You may not attempt to gain unauthorized access to the Site or Bubble’s computer systems or networks through hacking, password mining or any other means. Without limiting any of the foregoing, you agree that you shall not (and you agree not to encourage or allow any third party to): ​ copy, modify, adapt, translate, reverse engineer, decode or otherwise attempt to derive or gain access to any portion of the Site or Bubble Content; remove any copyright, trademark, or other proprietary rights notice contained in the Site or Bubble Content; use any robot, spider, search/retrieval application or other automated device, process or means to access, retrieve, scrape or index any portion of the Site; rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Site or any feature or functionality of the Site to any third party for any reason; reformat or frame any portion of the web pages that are part of the Site; collect or store personal data about any other user without his/her express prior written consent; or use the Site to send any unauthorized or unsolicited commercial or promotional content. Bubble has the discretion to terminate your access to the Site without notice for any violation of the above rules. You are solely responsible for any and all charges, fees, and other costs related to your use of the Site. If you access and use the Site on your smartphone, tablet or other mobile device, you agree that you are solely responsible for all charges that you incur from your Internet or mobile service provider. 5.2. Submissions. Bubble may from time to time offer areas in the Site where you and other users can post or otherwise submit suggestions, feedback, ideas, notes, concepts or other information or materials to or through the Site (collectively, "Submissions"). By sending, posting or transmitting Submissions to Bubble (and/or our designees) through the Site, you grant Bubble and our designees a worldwide, non-exclusive, sub-licensable (through multiple tiers), transferable, royalty-free, perpetual and irrevocable right to use, reproduce, sublicense (through multiple tiers), distribute, create derivative works of, perform and import your Submissions in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to you. In other words, Bubble has the automatic right to use your Submissions -- including reproducing, disclosing, publishing or broadcasting your Submissions -- in any medium and for any purpose. Under no circumstances are you entitled to payment if Bubble uses one of your Submissions. All Submissions are deemed non-confidential and non-proprietary. By posting a Submission, you represent and warrant that: ​ you own or otherwise control all of the rights to your Submission, including copyrights and moral rights; your Submission is true and accurate; your Submission does not violate the rights of any other person or entity, such as rights of privacy and publicity or moral rights; and your Submission complies with applicable laws, rules and regulations. You acknowledge and agree that Bubble has the right (but not the obligation) to alter, remove or refuse to post or allow to be posted any Submission. Bubble takes no responsibility and assumes no liability for any Submission posted by you or any third party. Bubble is not responsible for information that you choose to communicate via Submissions. Bubble reserves the right to view, monitor, and record activity on the Site to the fullest extent permitted by applicable law and in accordance with our Privacy Policy. In addition to any other available rights and remedies, Bubble hereby reserves the right to discontinue access to a Site either with or without notice if Bubble has a reasonable basis to believe that any user is accessing or using any Bubble Content in violation of these Site Terms 6. LINKS TO OTHER WEBSITES AND SERVICES ​ The Site may contain links to third-party websites and services (collectively, “Linked Services”). Linked Services are not under the control of Bubble and Bubble is not responsible for Linked Services or for any information or materials on or any form of transmission received from Linked Services. You access Linked Services at your own risk. The inclusion of a link does not imply endorsement by Bubble of the Linked Services or any association with the operators of the Linked Services. Bubble does not investigate, verify or monitor the Linked Services. 7.DISCLAIMER OF WARRANTIES & LIMITATIONS OF LIABILITY ​ Bubble warrants that Bubble has validly entered into these Site Terms and has the legal power to do so. You warrant that you have validly entered into these Site Terms and have the legal power to do so. EXCEPT AS EXPRESSLY PROVIDED ABOVE, THE SITE IS PROVIDED "AS IS" AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. Bubble specifically disclaims all warranties and conditions of any kind, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from defects, uninterrupted use and all warranties implied from any course of dealing or usage of trade. Bubble does not warrant that (a) the Site will meet your requirements, (b) operation of the Site will be uninterrupted or virus- or error-free or (c) errors will be corrected. Any oral or written advice provided by Bubble or its authorized agents does not and will not create any warranty. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES WHICH MEANS THAT SOME OR ALL OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. YOUR USE OF THE SITE IS AT YOUR OWN RISK. YOU AGREE THAT RELAY IS NOT LIABLE FOR INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOSS OF USE, DATA OR PROFITS OR BUSINESS INTERRUPTION), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER ARISING IN ANY WAY IN CONNECTION WITH THESE SITE TERMS AND WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) EVEN IF RELAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. YOU ALSO AGREE THAT RELAY IS NOT LIABLE FOR ANY OTHER CLAIM, DEMAND OR DAMAGES WHATSOEVER RESULTING FROM OR ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE. THE DISCLAIMERS AND LIMITATIONS IN THIS SECTION 7 DO NOT PURPORT TO LIMIT LIABILITY OR ALTER ANY RIGHT THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. RELAY’S MAXIMUM LIABILITY FOR ANY TYPE OF DAMAGES ARISING FROM YOUR USE OF THE SITE IS LIMITED TO ONE HUNDRED DOLLARS ($100). You acknowledge and agree that the above limitations of liability together with the other provisions in these Site Terms that limit liability are essential terms and that Bubble would not grant you the rights set forth in these Site Terms but for your agreement to the above limitations of liability. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE YOUR RIGHTS WITH RESPECT TO CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR". 8. INDEMNIFICATION ​ You agree to indemnify and defend Bubble and its directors, officers, employees and agents from and against all losses, liabilities, actual or pending claims, actions, damages, expenses, costs of defense and reasonable attorneys’ fees brought against Bubble by any third party arising from your Submissions, use of the Site in violation of these Site Terms or your actual or alleged violation of the rights of a third party or applicable law. Bubble reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification hereunder. No settlement that affects the rights or obligations of Bubble may be made without Bubble’s prior written approval. 9. GOVERNING LAW; DISPUTE RESOLUTION ​ All matters related to the Site are governed by the internal laws of of the State of California as such laws apply to agreements made and performed therein (without giving effect to the principles of conflicts of laws). You must institute any legal action or proceeding relating to your access to or use of the Site in the courts of the Province of Ontario. You and Bubble agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding. YOU AND Bubble AGREE THAT EACH MAY BRING claims against the other only on an individual basis and not as a plaintiff or clASS member in any PURPORTED class or representative action or proceeding. Please Note: By agreeing to these Terms, you explicitly agree that any claims or actions that you may otherwise have against Bubble under the laws of any jurisdiction outside Canada are hereby waived, including without limitation, any claims or actions under the laws of your own country, and that your sole location and applicable law for any disputes is in Canada according to the terms of this Section 9. This provision does not, however, apply if you reside in a jurisdiction that permits you to make your claim a legally competent court of the jurisdiction where you reside or is otherwise prohibited or restricted by applicable law. 10. ELECTRONIC CONTRACTING ​ Your affirmative act of using the Site constitutes your electronic signature to these Site Terms and our Privacy Policy and your consent to enter into agreements with us electronically. 11. NO SALE, SOLICITATION OR NEGOTIATION OF INSURANCE OR REINSURANCE ​ Bubble is not licensed as an insurance company, agent, broker, producer, intermediary or licensed in a similar capacity. None of the actions or functions performed by Bubble with respect to this site in any way involve, or should be construed to involve, the sale, solicitation or negotiation of insurance by Bubble. None of the actions or functions performed by Bubble with respect to this site involve, or should be construed to involve, acts, actions or functions of an insurance company, agent, broker, intermediary, or similarly licensed party. By using this site you agree and acknowledge that Bubble is not acting or functioning as an insurance company, agent, broker, intermediary, or similarly licensed party with respect to this this site. By using this site you agree and acknowledge that Bubble is not performing any action or function that in any way involves, the sale, solicitation or negotiation of insurance with respect to this site. By using this site you agree and acknowledge that you have no expectation that Bubble is acting as, or performing any function of, an insurance company, agent, broker, intermediary, or similarly licensed party with respect to this this site. By using this site you agree and acknowledge that you are not relying on Bubble to act as, or perform any function of, an insurance company, agent, broker, intermediary, or similarly licensed party with respect to this this site. By using this site you agree and acknowledge that you have no expectation that Bubble is in any way involved or engaged in the sale, solicitation or negotiation of insurance with respect to this this site. By using this site you agree and acknowledge that you are not relying on Bubble to in any way be involved or engaged in the sale, solicitation or negotiation of insurance with respect to this this site. By using this site, you acknowledge and agree that you are not relying, in any way, on Bubble to perform role or function of an insurance company, agent, broker, producer, intermediary or similarly licensed party. 12. GEOGRAPHIC RESTRICTIONS ​ The Site is controlled, operated and administered by Bubble from its offices within the United States and our policies and procedures are based on United States law. The Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law. Bubble does not in any manner warrant or represent that the Site, including any content contained thereon, is appropriate or available for use in any particular location. If you choose to access the Site, you do so on your own initiative and you are responsible for compliance with all applicable laws. Contents of the Site may be subject to export control laws. You shall not and shall not permit any third party to, directly or indirectly, export, re-export or release any part of the Site to, or make the Site accessible from, any jurisdiction to which export, re-export or release is prohibited by law. 13. TERMINATION ​ These Site Terms automatically terminate when you fail to comply with any term or condition of them. Bubble may terminate the Site or modify your access to the Site, with or without notice to you, at any time for any reason. For example, Bubble may prohibit your use of the Site if Bubble believes that you are a minor. Termination will not limit any of Bubble’s other rights or remedies. Sections 4, 8, 9, 10, 0, 14 and 15, as well as any other provision that must survive in order to give proper effect to the intent and purpose of these Site Terms, shall survive termination. 14. CLAIMS OF COPYRIGHT INFRINGEMENT ​ We respond to notices of alleged infringement as required by the U.S. Digital Millennium Copyright Act (“DMCA”) or any other similar applicable law, including by removing or disabling access to material claimed to be the subject of infringing activity. If you have a good faith belief that your work has been copied in a way that constitutes copyright infringement or that your intellectual property rights otherwise have been violated in or through the Site, please send your claim or notice of infringement to our copyright agent at legal@getmybubble.com. By mail: ​ Bubble Insurance Solutions d/b/a Bubble Technologies, Inc. 1267 Willis Street, Suite 200 Redding, California 96001 ATTN: Copyright Agent By telephone: (833) 900-2822 By email: legal@getmybubble.com ​ Our copyright agent will only respond to notices and inquiries that comply with the requirements of the DMCA. Please see www.copyright.gov for more information. Upon receipt of a notification complying with the DMCA, Bubble will take steps to remove or disable access to any infringing material and remove or disable access to any link to the infringing material. Notifications must include ALL of the following: ​ a physical or electronic signature of the persons authorized to act on behalf of the owner of an exclusive copyright that is allegedly infringed; a description of the copyrighted work that you claim has been infringed; a description of where in the Site the material that you claim is infringing is located; contact information reasonably sufficient to permit Bubble to contact you; a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and a statement by you, made under penalty of perjury, that the information in your notification to Bubble is accurate and that you are the copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. 15. MISCELLANEOUS ​ These Site Terms (including our Privacy Policy at https://www.getmybubble.com/privacy-policy) contain the entire understanding by and between Bubble and you with respect to the Site and matters contained herein. These Site Terms inure to the benefit of and are binding on Bubble’s and your successors and assigns, respectively. Bubble may assign these Site Terms to a successor in interest (in whole or in part) but you may not assign the Site Terms without the prior express written consent of Bubble. If any provision of these Site Terms is or becomes unenforceable or invalid, the remaining provisions will continue with the same effect as if such unenforceable or invalid provision was not used. If Bubble fails or you fail to perform any obligation under these Site Terms and the other party does not enforce such obligation, the failure to enforce on any occasion will not constitute a waiver of any obligation and will not prevent enforcement on any other occasion. Nothing contained in these Site Terms creates a relationship or partnership, joint venture, or agency between Bubble and you. If Bubble is or you are prevented from performing or unable to perform any obligation under these Site Terms due to any cause beyond the reasonable control of the party invoking this provision, the affected party's performance will be extended for the period of delay or inability to perform due to such cause. Headings and captions are for convenience only. QUESTIONS AND FEEDBACK ​ If you have questions or feedback about the Site or these Site Terms, please contact us at: Bubble Insurance Solutions d/b/a Bubble Technologies, Inc. 1267 Willis Street, Suite 200 Redding, California 96001 ATTN: Legal Dept. (833) 900-2822 legal@getmybubble.com ​ ​

"Pacific Life Insurance Company State of Domicile: Nebraska Principal Place of Business: 700 Newport Center Drive, Newport Beach, CA 92660 Certificate of authority #: 08181 Licensed in all states except New York."

"Pacific Life & Annuity Company State of Domicile: Arizona Principal Place of Business: 700 Newport Center Drive, Newport Beach, CA 92660 Certificate of Authority #: 001192 Licensed in all states "

Please carefully read this notice before you use this Website. This Website is provided by Pacific Life Insurance Company and its subsidiaries and affiliates, including Pacific Life & Annuity Company (collectively "Pacific Life") and may be used for informational purposes only. By using this Website, or downloading materials from it, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this Website.

Website Content

Pacific Life created this Website to be used by the general public and our policyholders. The Website does not, and it is not intended to, provide any financial, legal, accounting, or tax advice, and must not be relied upon by you in that regard. The Website should not be used, or relied upon by you, as a substitute for your independent research or consultation with your own financial, legal or tax advisors.

The information, text, graphics and links provided in this Website are provided by Pacific Life as a convenience to you. Pacific Life will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, Pacific Life does not warrant and cannot guarantee the accuracy, completeness or authenticity of the information contained in this Website, or the information, text, graphics, links, Website functionality, and other items contained on this server or its suitability for any purpose.

Pacific Life does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available is free of viruses or other harmful components as such information is received by you because Pacific Life cannot control the transmission of information over this medium. Pacific Life does not warrant or make any representations regarding the use of, or the results of the use of, the materials on this site, or your transmission of any software, data or information from the Website to you.

Information provided on this Website is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. This Website could include technical inaccuracies or typographical errors. Pacific Life will from time to time revise the information, products and services described in this Website, and reserves the right to make such changes without notice.

Liability

The use of this Website is entirely at your risk. The materials and information in this Website (including text, graphics, and functionality) are presented without express or implied warranties of any kind and are provided "as is". It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.

Pacific Life intends for the information contained in this Website to be accurate and reliable. However, errors sometimes occur. Therefore, Pacific Life to the full extent permitted by applicable laws disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose as to any matter whatsoever relating to this Website or the information contained herein.

To the full extent permitted by applicable laws, in no event shall Pacific Life, its agents, employees, directors, and officers be liable for any damages of any kind caused to any person as a consequence of the use of this Website including but not limited to any direct, special, incidental, indirect or consequential damages of any kind including but not limited to loss of use, loss of data or loss of profits, whether or not advised of the possibility of such damage, or based upon any theory of liability, arising out of or in connection with the use or performance of this Website or the information contained herein. We will not be responsible for any detrimental reliance that you may place upon the Website or its contents.

Product Availability

Unless otherwise specified, the materials in the Website are presented solely for the purpose of educating the user about the products and services of Pacific Life. Nothing in this Website constitutes an offer to buy or sell products or services of Pacific Life. Pacific Life makes no representation that any or all of the materials in the Website are appropriate or available for sale in any or all locations. Not all products and services described are available in all states of the U.S. or the world. No life insurance, security or other product offered by Pacific Life is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or securities laws or other laws of such jurisdiction. No such security or product is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states. In addition, any prospectus information available on this Website is posted for informational purposes only.

Those who choose to access this Website do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.

The annuity and life insurance products and variable life insurance and annuity products referred to in this Website may be offered and sold only to persons in the United States. Variable insurance products are distributed by Pacific Select Distributors, LLC, (member FINRA & SIPC), a subsidiary of Pacific Life.

Copyright

This Website is provided for your personal viewing and Pacific Life maintains all copyrights in the text, buttons, layouts, graphic images and logos contained in this Website. Except as stated herein, no portion of this Website or its contents may be reproduced, copied, republished, altered, or transmitted, uploaded, downloaded, or posted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Pacific Life.

Modification of the materials or use of the materials for any other purpose is a violation of Pacific Life's copyright and other proprietary rights. The use of any such material on any other Website or networked computer environment is prohibited.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Website, without prior written permission of Pacific Life.

An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. Pacific Life disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

License and Reproduction

Permission is granted to print copies of portions of this Website, but not the entire Website, and to display and navigate around this Website with a computer using HTML browser software, solely for personal use. Any commercial use of this Website or any portion hereof is strictly prohibited. A hyperlink to the Uniform Resource Locator (URL) of this Website in HTML documents which you prepare, must be approved in writing or via email, prior to making such hyperlink, and is subject to the following conditions: (a) the URL may be used only for the purpose of hyperlinking to Pacific Life's home page at "http://PacificLife.com"; (b) the URL shall be clearly identified as being a link to a Website owned and operated by Pacific Life; and (c) you will make no other use of any Pacific Life intellectual property, other than the URL, without Pacific Life's express written permission.

Trademarks

The logo shown here and the PACIFIC LIFE mark are registered trademarks of Pacific Life Insurance Company. All trademarks, service marks, and trade names are proprietary to Pacific Life or its third party licensors. Pacific Life and its third party licensors enforce their respective intellectual property rights. Use in commerce other than as "fair use" is prohibited by law except by express license from Pacific Life or its third party licensors. Other trademarks and service marks appearing on the website and not otherwise shown above may be the property of either Pacific Life Insurance Company or of third parties used with permission by such third party markholders.

Viruses

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Pacific Life is not responsible or liable for any damage caused by such hazards.

Pacific Life cannot and does not guarantee or warrant that files available for downloading from this Website are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Pacific Life does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Pacific Life 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 use of files downloaded from this site.

Security

Information submitted into secured regions of our Website is protected by Pacific Life using three layers of security:

Users are required to login using a unique user ID and password.

A firewall (a combination of computer hardware and software) keeps unauthorized users from accessing information within Pacific Life's computer network.

Encryption technology is used to secure data when it's being transferred from one computer to another.

However, all other information submitted to Pacific Life while not logged into secured regions of this Website including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network.

Although Pacific Life employs the most current and stringent Internet security standards, you acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Website cannot be guaranteed and you acknowledge that your use of the Website (including information you transmit to the Website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Pacific Life shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Linked Websites

Other Internet or Websites which may provide access to this Website by hypertext links ("hyperlinks") are entirely independent of this Website. Links to other Internet or Websites from this Website are included as a convenience for our visitors and in no way are meant to imply that Pacific Life endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. Pacific Life does not guarantee the accuracy of any information in these other sites nor does it assume any liability for the content or presentation of linked sites.

Pacific Life cannot guarantee that the hyperlinks set out on our Website will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks have been independently developed and possibly maintained by person(s) over whom Pacific Life has no control. Pacific Life cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, Pacific Life assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Pacific Life believes that our making available hyperlinks to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Governing Laws

The applicable federal laws and the laws of the state of California shall govern as to the interpretation, validity and effect of this policy and any use of the Website, without giving effect to any principles of conflicts of law. If any provision of this policy shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this policy and shall not affect the validity and enforceability of any remaining provisions. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the state of California, or the federal courts situated in the state of California, in any action or proceeding instituted under or related to this policy or your use of this Website.

Service Request Forms

Any information requested is for our internal use to service your request. It is not shared with any third party, unless permitted by you or required by law.

Interactive Forms or Calculators

Any interactive forms or calculators on this Website are there for your information only. Pacific Life tracks, retains and/or uses any of the data input into these forms for our internal use only.

Submissions

Pacific Life welcomes your comments regarding our Website. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this Website. Pacific Life requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If, despite our request that you not send us any creative materials, you in fact send us creative suggestions, ideas, concepts or other information (collectively, the Information), such Information shall be deemed by Pacific Life to be, and shall remain, the property of Pacific Life. None of the Information shall be subject to any obligation of confidence on the part of Pacific Life and Pacific Life shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, Pacific Life shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Terms and Conditions

Please carefully read this notice before you use this website. This website is provided by The Savings Bank Mutual Life Insurance Company of Massachusetts [SBLI®] and may be used for informational purposes only. SBLI is a Registered Mark of the Savings Bank Mutual Life Insurance Company of Massachusetts. SBLI retains copyright on all text and graphic images. This means that you may NOT distribute the text or graphics to others or “mirror” this information on your own server without the express written permission of SBLI or modify or re-use the text or graphics on this system. You may print copies of the information or store the files on your own computer for your personal use.

Product Availability

The information contained in this website is for educational purposes only. It is not an offer to sell or a solicitation of an offer to buy or sell any insurance product or service. Sales can only be made by licensed insurance representatives of products approved for sale by insurance regulators in states in which SBLI is licensed. Should you need further information about SBLI’s products, call our direct sales office.

SBLI is a registered trademark of The Savings Bank Mutual Life Insurance Company of Massachusetts. The Savings Bank Mutual Life Insurance Company of Massachusetts is in no way affiliated with SBLI USA Mutual Life Insurance Company, Inc.

Sample Product Quotes

Quotes obtained via any of SBLI’s self-service quoting tools are estimates based on personal information you provided. Similarly, SBLI’s advertising materials show rates based on specific criteria. Your actual coverage and premium may vary from sample product quotes based on several factors, including length of term, health and underwriting, and any additional policy features you have chosen after consulting with an SBLI sales professional or an authorized SBLI distribution partner.

SBLI Website Content

SBLI created this website for the convenience of its policyholders and its Internet visitors. The information is presented without express or implied warranties and is provided “AS IS.” Due to the nature of the Internet, SBLI cannot guarantee the accuracy of the information contained in this website or its suitability for any purpose. SBLI does not guarantee the completeness or authenticity of the information contained on this website, or the information, text, graphics, links, website functionality and other items contained on this server.

SBLI does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available is free of viruses or other harmful components as such information is received by you because SBLI cannot control the transmissions of information over the Internet.

In certain cases, content on this website is shown in “pop-up” windows. Visitors running “pop-up blocker” programs will not be able to view this content. You must allow pop-ups from www.sbli.com or first “disable” your pop-up blocker while visiting our website in order to view this content.

"Information provided on this website is believed to be generally reliable when posted. However, we cannot guarantee that the information will be accurate, complete and current at all times. This website could include technical inaccuracies or typographical errors. SBLI will from time to time revise the information, products, or services described in this website, and reserves the right to make such changes without notice. "

Liability

The use of this website is entirely at your risk. SBLI will in no event be liable for damages, including without limitation direct or indirect, special, incidental, punitive, or consequential damages, losses or expenses arising in connection with using this website or using hypertext links contained herein. SBLI cannot vouch for the accuracy and takes no responsibility for the content of any websites connected by hyperlink to the SBLI Internet site. SBLI will also not be responsible for computer virus contamination of your system. It is your responsibility to scan any downloadable materials received from the Internet.

Consent to Contact

By submitting your telephone number on sbli.com you provide your signature expressly consenting to contact from SBLI or its agents at the number provided regarding products or services via live, automated or prerecorded telephone call. You understand that you are not required to enter into this agreement as a condition of purchasing property, goods, or services. You understand that you can revoke this consent at any time.

Hippo Website - Terms of Use

Website Terms and Conditions of Use:

These Terms of Use ("the Terms of Use") govern your ("the User" / "You") use of the (Hippo Comparative Services (Pty) Ltd) website located at the domain name (www.hippo.co.za) ("the Website"). By accessing and using the Website, the User agrees to be bound by the Terms of Use set out in this legal notice. If the User does not wish to be bound by the Terms of Use, the User may not access, display, use, download, and/or otherwise copy or distribute any Content obtained from the Website. The Terms of Use become effective when you access the site for the first time and constitute a binding agreement between Hippo Comparative Services (Pty) Ltd and the User, which will always prevail. The current version of the Terms of Use will govern our respective rights and obligations each time you access this site.

By accessing and using the Website the User agrees and acknowledges that Hippo Comparative Services (Pty) Ltd will be processing the User’s personal information and / or use of the Website in order to render the Online Services. Hippo Comparative Services (Pty) Ltd confirms that it will process the personal information of the User in accordance with the provisions of the Protection of Personal Information Act, Act 4 of 2013, and that appropriate security safeguard measures have been implemented to protect the personal information. Personal information will only be processed for a legitimate business purpose and will only be shared with a third party where it is necessary to render the Online Services or is required by law.

The User accordingly consents to:

"Hippo processing their personal information in order to provide the Online Services which includes, but is not limited to, processing the information with risk information agencies (where applicable), for the purposes of evaluating and processing the User’s request, to ensure that the most competitive rates are received; and Hippo transmitting the information provided by the User, on the electronic e-quote form – to the provider whose illustrative quote the User wishes to discuss, for the purposes of the provider to contact the User and conclude the relevant offer; and to affiliated partners, for the purposes of them responsibly marketing their products and services to the User."

In the event that the User’s session on the Website is suspended and / or the User does not finalise a transaction, Hippo Comparative Services (Pty) Ltd will attempt to contact the User in order to establish whether Hippo Comparative Services (Pty) Ltd can be of any further assistance and / or whether the User experienced any difficulties. Should the User so request, his / her details will be removed and / or not processed further by Hippo Comparative Services (Pty) Ltd.

Should the User wish to receive a quote, the User will be prompted further to agree to the processing of the User’s information in order for Hippo Comparative Services (Pty) Ltd to render the Online Services. Should the User not agree to such processing, Hippo Comparative Services (Pty) Ltd will suspend the service and will not be able to provide the User with the Online Services. The User will be prompted as to whether the User wishes to receive further marketing material, updates or direct marketing from Hippo Comparative Services (Pty) Ltd and / or its affiliates by providing his / her consent. Should such consent be withheld, Hippo Comparative Services (Pty) Ltd and / or its affiliates undertakes not to direct any such marketing material, updates or direct marketing to the User.

Where a User has previously agreed to Hippo Comparative Services (Pty) Ltd processing their personal information and / or to receiving marketing or marketing related material from Hippo, this consent will remain in force until the User has requested Hippo to refrain from such processing.

Medical Aid Terms and Conditions of Use:

All Medical Scheme introductions, quotations and related information are provided by JHippo Advisory Services (Pty) Ltd, a private company with company registration number 2004 / 018981 / 07, duly registered and incorporated in terms of the Company laws of South Africa, which is a registered Financial Services Provider (FSP No 36088), licensed to provide Health Service Benefits.

Online Services:

Hippo Comparative Services (Pty) Ltd's online products and services ("Online Services") are subject to registration procedures and approvals, which Hippo Comparative Services (Pty) Ltd may accept or reject at their sole discretion.

Costs and Commissions Payable:

Hippo.co.za is free to use, and commission free. We make money simply by charging our partners a fee when a customer chooses to find out more about their products. This fee does not influence the price you pay. The price you see is sourced real-time from the providers' database and does not include any hidden fees or charges.

Privacy and Security:

Hippo Comparative Services (Pty) Ltd receives various types of information ("the Information") from Users who access the Website. Hippo Comparative Services (Pty) Ltd makes every effort to protect any Information received by it. Despite such undertaking, it is possible for Internet-based communications to be intercepted. Without the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Hippo Comparative Services (Pty) Ltd will not be responsible for any damages the User or any third party may suffer as a result of the transmission of confidential or personal information that the User submits to Hippo Comparative Services (Pty) Ltd through the Internet, or that the User expressly or implicitly authorises Hippo Comparative Services (Pty) Ltd to receive, or for any errors or any changes made to any transmitted information. To ensure acquaintance with and awareness of the privacy measures and polices of Hippo Comparative Services (Pty) Ltd, the User is urged to read and understand Hippo Comparative Services (Pty) Ltd's Privacy and Security Policy, outlining Hippo Comparative Services (Pty) Ltd's commitment to the User's privacy and the security of their personal information.

Updating of these Terms and Conditions:

Hippo Comparative Services (Pty) Ltd reserves the right to, amend, change, modify, add to or remove from portions or the whole of the Terms of Use from time to time. Changes to the Terms of Use will become effective upon such changes being posted to the Website. By accessing the Website You are bound to the version of the Terms of Use published here at the time of any visit to the Website. You agree to view the current version each time you access the Website. The User's continued use of this Website following the posting of changes or updates will be considered notice of the User's acceptance to abide by and be bound by the Terms of Use, including such changes or updates. Hippo Comparative Services (Pty) Ltd reserves the right to make any changes to the Website, the Content, or to products and/or services offered through the Website at any time and without notice. A certificate signed by the administrator responsible for maintaining the Website will be prima facie proof of the date of publication and content of the current version and all previous versions of the Terms of Use.

Copyright and Intellectual Property Rights:

Hippo Comparative Services (Pty) Ltd provides certain information (“the Content”) on the Website. Content currently or anticipated to be displayed at this Website is provided by Hippo Comparative Services (Pty) Ltd, its affiliates and/or subsidiary, or any other third party owners of such content, and includes but is not limited to Literary Works, Musical Works, Artistic Works, Sound Recordings, Cinematograph Films, Sound and Television Broadcasts, Program-Carrying Signals, Published Editions and Computer Programs. All such proprietary works, and the compilation of the proprietary works, are copyright of Hippo Comparative Services (Pty) Ltd, its affiliates or subsidiary, or any other third party owner of such rights (“the Owners”), and is protected by South African and International copyright laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of the Content or any component thereof will constitute an infringement of such copyright and other intellectual property rights; save that you may use the materials or any component thereof for your own internal purposes and for the purposes of ordering service/s from Hippo Comparative Services (Pty) Ltd.

Without limiting the generality of the aforementioned, the User is authorised to view, download and copy to a local hard drive or disk, print and make copies of such printouts, provided that:

"the Content is used exclusively for considering the use of the Online Services and for no other commercial purposes; and any reproduction of the proprietary Content from the Website or a portion/s of it must include Hippo Comparative Services (Pty) Ltd’s copyright notice in its entirety."

The trademarks, names, logos and service marks (collectively "Trademarks") displayed on the Website are the registered and unregistered Trademarks of Hippo Comparative Services (Pty) Ltd, its affiliates and/or subsidiary, or any other third party owners of such content. Nothing contained on the Website should be construed as granting any license or right to use any Trademark without the prior written permission of Hippo Comparative Services (Pty) Ltd and / or its affiliates and/or subsidiary, or any other third party owners of such content. Except as specified in the Terms of Use, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content and Trademarks. All rights in and to the Content and Trademarks is reserved and retained by Hippo Comparative Services (Pty) Ltd and/or the Owners, as the case may be.

Irrespective of the existence of Copyright, the User acknowledges that Hippo Comparative Services (Pty) Ltd and/or the Owners, as the case may be are the proprietors of all the Content and Trademarks on the Website, whether it constitutes confidential information or not, and that the User has no right, title or interest in any such material.

Limited License to General Users:

"Hippo Comparative Services (Pty) Ltd grants to the User, subject to the further terms of the Terms of Use, a non-exclusive, non-transferable, limited and revocable right to access, display, use, download and otherwise copy the current and future Content for personal, non-commercial and information purposes only. This Website and the Content may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of Hippo Comparative Services (Pty) Ltd. The license does not allow the User to collect product or service listings, descriptions or other information displayed here, and does not allow any derivative use of this Website or the Content for the benefit of another merchant. The User may not frame nor use framing technologies to enclose the Website or the Content nor any part thereof without the express written consent of Hippo Comparative Services (Pty) Ltd The User is restricted to use the Website and Content, only for lawful purposes and warrants that he/she shall not: use the Website to transmit material which is in violation of any law or regulation, which is obscene, threatening, racist, menacing, offensive, defamatory, in breach of an duty of confidence, in breach of any intellectual property rights, or otherwise objectionable or unlawful; and other than for personal and non-commercial use, store on a computer, or print copies of extracts from the Website, and other than for personal and non- commercial use, ""mirror"" or cache any of the Content of Website on a server, or copy, adapt, modify or re-use the text or graphics obtained from the Website, without the prior written permission of Hippo Comparative Services (Pty) Ltd. Hippo Comparative Services (Pty) Ltd does not offer products or services to minors. If you are under the age of 18, you may not respond to or otherwise accept or act upon any offers in the Website. Hippo Comparative Services (Pty) Ltd, their affiliates or subsidiaries reserve the right to refuse service, terminate accounts, remove or edit Content, or cancel orders at their sole discretion. Any unauthorised use terminates this license."

Permission for Hyperlinks, Deep Linking, Crawlers and Metatags:

No User may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as “Linking”), to the Website or any subsidiary pages before receiving Hippo Comparative Services (Pty) Ltd’s prior written approval, which may be withheld or granted subject to the conditions Hippo Comparative Services (Pty) Ltd may specify from time to time.

An application for Linking must be submitted to info@hippo.co.za. Once received Hippo Comparative Services (Pty) Ltd will do its best to respond and enter into further discussions with the User. If the User does not receive a written response from Hippo Comparative Services (Pty) Ltd within five business days, the User must consider the request as having been rejected.

A breach of this provision entitles Hippo Comparative Services (Pty) Ltd to take legal action without prior notice to the User and the User agrees to reimburse Hippo Comparative Services (Pty) Ltd with the costs associated with such legal action, on an attorney and own client scale.

Hyperlinks:

Notwithstanding the fact that hyperlinks exist, in the Terms and Conditions, to facilitate access to notices, policies and legislation that are incorporated into the Terms and Conditions, the User agrees that in those instances, where some or all of the hyperlinks malfunction or are not operational, such occurrence shall not affect the validity or enforceability of the Terms and Conditions. The User undertakes to, at their own convenience and discretion, review and acquaints themselves with necessary documents and/ or terms.

External Links:

External links may be provided for your convenience, but they are beyond the control of Hippo Comparative Services (Pty) Ltd and no representation is made as to their content. Use or reliance on any external links provided is at the User’s own risk. When visiting external links you must refer to that external website’s terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to the Website without the express prior written permission of Hippo Comparative Services (Pty) Ltd.

Crawlers and Spiders:

The User undertakes not to use any technology to search and /or gain information from the Website without Hippo Comparative Services (Pty) Ltd’s written consent.

Software Downloads:

Software, if any, made available for download on or via the Website may be governed by license conditions that establish a legal relationship with the licensor. The User indemnifies Hippo Comparative Services (Pty) Ltd against any breach of these license conditions. Hippo Comparative Services (Pty) Ltd gives no warranty and makes no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.

No warranty, whether express or implied, is given that any files, downloads or applications available via the Website is free of viruses, Trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of the User’s computer, database, network or other information system.

Termination, Suspension and Limitation:

Hippo Comparative Services (Pty) Ltd reserves the right to:

"modify, suspend or discontinue the Website, whether temporarily or permanently, without notice; impose limits or conditions on certain services, features or functions; and restrict access to parts of or all of the services on the Website."

Disclaimer and Limitation of Liability:

Although Hippo Comparative Services (Pty) Ltd has taken reasonable care to ensure that the Content on the Website is accurate and that the User will not suffer loss or damage as a result of their use of the Website, the Website is provided on an “as is” basis. Use of the Website is entirely at the User’s own risk. The User assumes full responsibility for any loss or damage resulting from their use of the Website and their reliance on any of the Content or a part/s thereof, contained on the Website.

The Website and all Content on the Website, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. Hippo Comparative Services (Pty) Ltd makes no warranty or representation as to the availability, accuracy or completeness of the Content. Neither Hippo Comparative Services (Pty) Ltd nor any holding company, affiliate or subsidiary of Hippo Comparative Services (Pty) Ltd, shall be held liable for any direct or indirect, special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the Content or the Website or any functionality thereof, or of any linked website, even if Hippo Comparative Services (Pty) Ltd is expressly advised thereof.

Without derogating from the generality of the above, Hippo Comparative Services (Pty) Ltd will not be liable for:

"any interruption, malfunction, downtime or other failure of the Website or related database, system or network, for whatever reason; any loss or damage in respect of customer data or other data, directly or indirectly, caused as a result of any malfunction of the Website or related database, system or network, power failures, unlawful access to or theft of data, computer viruses or destructive code on Hippo Comparative Services (Pty) Ltd’s Website or related database, system or network, programming defects or negligence; or any event over which Hippo Comparative Services (Pty) Ltd has no direct control. "

Indemnity:

The User unconditionally and irrevocably indemnifies and holds Hippo Comparative Services (Pty) Ltd harmless against all and any loss, liability, actions, lawsuits, proceedings, costs, demands and damages of all and every kind, (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action, arising out of or in connection with the failure or delay in the performance of the services offered on the Website, the use of the services offered on the Website, the Content available on the Website or any other matter, directly or indirectly, related to the User’s use of the Website, whether due to Hippo Comparative Services (Pty) Ltd’s negligence or not.

Choice of Law:

This Website is controlled, operated and administered by Hippo Comparative Services (Pty) Ltd from its offices as set out below within the Republic of South Africa. Hippo Comparative Services (Pty) Ltd makes no representation that the Content is appropriate or available for use in any other locations or countries. Access to the Website from territories or countries where the Content is illegal, is prohibited. The User may not use this Website in violation of South African export laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa and the User consents to the jurisdiction of the Transvaal Provincial Division of the High Court, in the event of any dispute.

If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.

General:

The headings of the clauses in the Terms of Use are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.

The Terms of Use are severable, in that if any provision is determined to be illegal or unenforceable by any court of competent jurisdiction, then such provision shall be deemed to have been deleted without affecting the remaining provisions of the Terms of Use.

Hippo Comparative Services (Pty) Ltd’s failure or delay to exercise any particular right or provision of the Terms of Use shall not constitute a waiver of such right or provision, whether this is done expressly or implied, nor will it affect the validity of any part of the Terms of Use or prejudice Hippo Comparative Services (Pty) Ltd’s right to take subsequent action against the User, unless acknowledged and agreed to by Hippo Comparative Services (Pty) Ltd in writing.

Neither the User nor Hippo Comparative Services (Pty) Ltd, shall be bound by any express, tacit or implied representation, warranty, promise or the like not recorded herein. The Terms of Use supersede and replace all prior commitments, undertakings or representations, whether written or oral, between the User and Hippo Comparative Services (Pty) Ltd in respect of the subject matter hereof.

Hippo Comparative Services (Pty) Ltd shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of these Terms and Conditions.

Should Hippo Comparative Services (Pty) Ltd be prevented from fulfilling any of its obligations to you as a result of any event of force majeure, then those obligations shall be deemed to have been suspended to the extent that and for as long as Hippo Comparative Services (Pty) Ltd is so prevented from fulfilling them and your corresponding obligations shall be suspended to the corresponding extent. In the event that force majeure continues for more than fourteen days after it has fist occurred then Hippo Comparative Services (Pty) Ltd shall be entitled (but not obliged) to terminate all of its rights and obligations in terms of or arising out of these Terms and Conditions by giving notice to the User. An "event of force majeure" shall mean any event or circumstance whatsoever which is not within the reasonable control of including, without limitation, vis major, casus fortuitus, any act of God, strike, theft, riots, explosion, insurrection or other similar disorder, war (whether declared or not) or military operations, the downtime of any external telecommunications line, power failure, international restrictions, any requirement of any international authority, any requirement of any government or other competent local authority, any court order, export control or shortage of transport facilities

The Terms of Use, as varied by Hippo Comparative Services (Pty) Ltd from time to time, constitutes the entire and sole agreement between Hippo Comparative Services (Pty) Ltd and the User with regard to the use of the Content and this Website.

Hippo Comparative Services (Pty) Ltd, with company registration number 1979/007029/07 and an authorised financial services provider, provides an electronic platform that facilitates the aggregation of quotes from various different providers and industries. This facility allows the consumer to efficiently compare premiums or quotes from the different service providers.

Consumers can access a full record of the transaction via submitting an email request to info@hippo.co.za.

The quotes presented, are based on limited information, provided by the User on the electronic e-quote form. The quotes are therefore only illustrative and not a binding offer. The quotes are subject to change, based upon the verification and further consideration of more comprehensive risk related information that you will be required to disclose, when you agree to the provider contacting you.

Any reference to or use of a product, service or process of a third party does not imply recommendation, approval or affiliation of the product, services or process by Hippo.

"Address for legal service of documents: Auto & General Park 1 Telesure Lane Riverglen Dainfern 2191 "

"Contact Details: The Webmaster Email: info@hippo.co.za"

Terms of Service and Insurance Related Notices

Last updated: October 25, 2020

Terms of Service

These Terms of Service ("Terms") govern your access to and use of the application and website (collectively, the "App") ("Services") provided by Lemonade Inc. and its subsidiaries Lemonade, Ltd., an Israel corporation, Lemonade Insurance Company, a New York insurance corporation, and Lemonade Insurance Agency, LLC, a New York limited liability company (collectively with Lemonade, Inc., "Lemonade," "we," "us," or "our"), so please read these Terms carefully before using the Services.

References to "you" in these Terms means you, your duly authorized representatives and any entity you may represent in connection with your use of the Services. Any reference made in these Terms to "Lemonade" shall be deemed to have been made to Lemonade, Inc., its successors, assignees, and US subsidiaries and affiliates, as well as any company that controls Lemonade, directly or indirectly, and any other subsidiary of that controlling company. Lemonade's family includes, without limitation, Lemonade Insurance Agency, LLC, a New York resident insurance agency, licensed and appointed to represent Lemonade Insurance Company in each state in which Lemonade insurance is sold.

Not all of the products or services described on the App are available in all areas of the United States and you may not be eligible for them. We reserve the right to determine eligibility. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Pledge. If you do not agree to these Terms, which incorporates the Privacy Pledge by reference please do not access or otherwise use our Services or any information contained here in.

We reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective upon the posting of the modification to our App, and will apply to causes of action arising after the effective date of the change. You should continue to check the App for changes. Your continued use of our App or otherwise the Services following the posting of changes to these Terms will mean that you accept those changes. By accessing or using our Services, you confirm that: (i) you can form a binding contract with us; and (ii) you are over the age of 18 as the Services are not intended for children under 18. If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user's account and/or access to the Services. If you are using the Services on behalf of a corporation (or any legal entity other than using it personally), you represent that you are authorized to enter into an agreement on behalf of that legal entity, and are nevertheless individually bound by these Terms even if we have a separate agreement with such corporation.

In order to use the App, you must have access to a wireless network, and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by Google Play or App Store in connection with the Services, including the App. You agree to comply with, and your license to use the App is conditioned upon your compliance with, all applicable third-party terms of use and agreements (e.g., Google Play’s or App Store's terms and policies) when using the Services, including the App. You acknowledge that Google Play and/or App Store (and its subsidiaries) are third-party beneficiaries of the Terms and will have the right to enforce them.

The headings and captions used in these Terms are inserted for convenience only and will not affect the meaning or interpretation of these Terms. Do Not Rely on our App for your financial decisions. The content on the Lemonade website, app and other content is for convenience and information purposes only. Nothing therein should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Application License

Subject to these Terms and our policies (including policies made available to you with the Services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our Services, provided that: (i) You will not copy, distribute or modify any part of the Services without our prior written authorization; (ii) You will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.: (iii) You will not transmit any Content which contains software viruses, or other harmful computer code, files or programs; (iv) You will not disrupt servers or networks connected to the Services; and (v) You comply with these Terms.

Using our Services does not give you ownership of any intellectual property rights in the our Services or the Content you access (other than your User Content), which shall remain with us and our respective licensors.

Open Source Software

Certain software code incorporated into or distributed with the App 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 their respective open-source software licenses. You agree to comply with the terms and conditions of such open-source software license agreements.

Lemonade Rights

All right, title, and interest in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of Lemonade and its applicable licensors. We reserve all rights not expressly granted in and to the Services.

Account Information

In order to access the Service, you will have to create an account. You hereby represent and warrant that the information you provide to Lemonade upon registration (including information provided through your Linked Accounts, as defined below) (collectively, your "Account Information"), is true, accurate, current, and complete. You also hereby agree that you will ensure that this Account Information is kept accurate and up-to-date at all times.

Privacy and Passwords

Lemonade values and protects the privacy of your information. Please review Lemonade’s Privacy Notice, as it contains important information relating to your use of our App and Products.

Some portions of the Site and Products are protected and require a user identification code ("User ID") and password for access. Unauthorized access or use of such portions of the App is prohibited. You agree that you will notify Lemonade immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred. Notify Lemonade via email at privacy@lemonade.com. For your protection, if Lemonade believes that any unauthorized access may occur or has occurred, Lemonade may terminate your account access without prior notice to you. You also agree that Lemonade is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Linked Accounts and Social Networking Sites

Lemonade may, now or in the future, allow you to voluntarily link your account on the Service to your account(s) on third-party services such as Google or Facebook ("Linked Accounts") for the purpose of simplifying the processes of signing up and logging in to your Lemonade account. If you choose to link your account on the Service to a Linked Account, you are authorizing Lemonade to store and use your first and last name, profile picture and email address and enable a login to your Lemonade account by authenticating you with the Linked Account.

User Content

General

The Service may request that you submit content such as text, photos, audiovisual content, and other media content ("User Content"). By providing User Content to Lemonade, you are granting Lemonade a license to use the User Content in order to make it available through the Service.

License Grant by You to Lemonade

By uploading User Content, you are granting Lemonade a license to display, perform and distribute your User Content and to modify (for technical purposes), and reproduce such User Content to enable Lemonade to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for Lemonade to make such User Content available to, and pass these rights along to, others with whom Lemonade has contractual relationships related to the provision of the Lemonade service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your User Content to third parties if Lemonade determines such access is necessary to comply with its legal obligations.

Submitted Ideas

When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to Lemonade through the App 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) Lemonade is not under any obligation of confidentiality, express or implied, with respect to the Contributions; (iii) Lemonade shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way; (iv) Lemonade may have something similar to the Contributions already under consideration or in development; (v) your Contributions automatically become the property of Lemonade without any obligation of Lemonade to you; and (vi) you are not entitled to any accounting, compensation or reimbursement of any kind from Lemonade under any circumstances.

Unauthorized Use

Do not misuse our Services. You agree not to use the Service or any aspect or feature thereof for any unlawful purpose or in any way that might harm, damage, or disparage any other party. Without limiting the preceding sentence, you agree that you will: (i) review and comply with these Terms and the Privacy Notice; (ii) comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements; (iii) provide accurate information to us and update it as necessary; and (iv) act honestly and in good faith.

By using the Services you agree not to: (i) create an account for anyone other than a natural person (unless you are a company, organization, legal entity or a brand and represent that company, organization, legal entity or brand). (ii) verbally abuse, threaten, harass, intimidate, defame, bully, employ hate speech or otherwise harm any employee or agent of the company; (iii) use or attempt to use another's account or create a false identity; (iv) duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found in the Services, except as permitted in these Terms, or as expressly authorized by us; (v) reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof; (vi) utilize or copy information, content or any data you view on or obtain from the Services to provide any service that is competitive, in our sole discretion, with the Services; (vii) adapt, modify or create derivative works based on the Services or technology underlying the Services, in whole or part; (viii) rent, lease, loan, trade, sell/resell any information in the Services, in whole or part; (ix) use the communication systems provided by the Services for any commercial solicitation purposes; (x) sell, sponsor, or otherwise monetize any service or functionality in the Services, without our express written consent; (xi) remove any copyright, trademark or other proprietary rights notices contained in or on the Services (whether ours or our licensors'); (xii) remove, cover or otherwise obscure any form of advertisement included on the Services; (xiii) collect, harvest, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from the Services (excluding your User Content, and except if the owner of such information has expressly permitted the same); (xiv) share other users' or third party's information or their User Content without their express consent; (xv) infringe or use our brand, logos or trademarks in any business name, email, or URL except as expressly permitted by us; (xvi) use or launch any manual or automated system or software, devices, scripts robots, other means or processes to access, "scrape," "crawl," "cache," "spider" or any web page or other service contained in our Services, or to access the Services in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser; (xvii) use bots or other automated methods to access the Services, add or download contacts, send or redirect messages, or perform other similar activities through the Services; (xviii) access, via automated or manual means or processes, the Services for purposes of monitoring its availability, performance or functionality for any competitive purpose; (xix) engage in "framing," "mirroring," or otherwise simulating the appearance or function of the App; (xx) attempt to or actually access the Services by any means other than through the interfaces provided by us. This prohibition includes accessing or attempting to access the Services using any third-party service, including software-as-a-service platforms that aggregate access to multiple services; (xxi) engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on the Services' infrastructure, including, but not limited to, sending unsolicited communications to other users or our personnel, attempting to gain unauthorized access to the Services, or transmitting or activating computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs through or on the Services; and/or (xxii) Interfere or disrupt or game the Services, including, but not limited to any servers or networks connected to the Services, or the underlying software.

Electronic Transmissions

By accepting the receipt of Electronic Transmissions, you voluntarily agree to have all records, including your current and future insurance related documents, provided to you in electronic form. Insurance related documents include, but are not limited to:

Your insurance policy and all documents, notices and correspondence related to your insurance policy. This could include ID Cards, applications, amendments, endorsements, illustrations, questionnaires, disclosures, and reports;

Bills, billing notices, payment schedules or any other correspondence related to premium payments;

Claim notices, disclosures, status letters, forms, and correspondence concerning a claim that arises under your policy or involves you as an insured and/or claimant;

Legally mandated policies, notices, and disclosures to inform you of our business practices, including notices related to our collection, storage, use, and disclosure of your personal information; and

Any other documents related to your insurance transactions with us.

We will use various methods to provide communications to you electronically, including via e-mail or through our website or app. For this second option, you may need to log-in to access the information.

This consent, unless withdrawn, applies to all transactions between you and Lemonade. However, you have the right to receive communications from us, including the insurance policy, in paper form if you wish by withdrawing this consent. If you withdraw the consent to provide you with records in electronic form, you will then be provided with records in paper form at no charge.

To withdraw your consent, you can email us any time at help@lemonade.com with the following subject line "WITHDRAW ELECTRONIC CONSENT." The body of the email must include your name, policy number, the start date of the policy, named insured’s date of birth, the effective date of your withdrawal and whether you want (a) all communications to be in paper form or (b) your insurance policy to be sent to you in paper form.

To change or correct your email address, you can email us at help@lemonade.com with the following subject line "EMAIL ADDRESS UPDATE". The body of the email must include your name, policy number, the start date of the policy, named insured’s date of birth and the updated email address. Note our website address is www.lemonade.com.

Hardware and Software Requirements: In order to receive, access, view, sign and retain electronic transmissions that we make available to you, you must have a personal computer or electronic device with internet connectivity and each of the following:

Browser support of Internet Explorer 10.0 or higher, Firefox 59 or higher, Safari 10 or higher, Chrome 54 or higher;

Ability to view the disclosures on your monitor, which can be done with your internet browser;

Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit; and

A valid e-mail account with an Internet service provider.

iOS:

iOS version support 11.0 or higher. iPhone Device support 5S or higher.

We don’t support iPads, but you can still run the app on iPad mini 2 or later.

App requires a working microphone, front and rear cameras in order to file a claim.

Android:

Android version support 4.4 or higher, can run on any Android device that runs this version.

App requires internet connection, storage, location, camera, microphone and vibration permissions.

We will update you if there are any changes to the hardware or software requirements that could impact your receiving or consenting to electronically delivered transmissions.

Third Parties' Links, Websites, and Services

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.

If you access any third party's website, service, or content from our Services, you do so at your own risk. By using the Services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising from your use of any third-party website, information, materials, products, or services. Accordingly, we encourage you to be aware when you have left the App and to read the terms and conditions and privacy policy of every website that you visit.

Disclosure

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; or (vi) protect our, our users' or the public's rights, property or safety.

Limitation of Liability

To the maximum extent permitted by law, the Service Is Available "As Is." Notwithstanding the limitations set forth below, insurance coverage and our performance under your insurance policy are determined solely by the terms, conditions, exclusions and limitations of your insurance policy and applicable law. YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICE AND THE PURCHASE AND USE OF ANY PRODUCTS OR SERVICES ARE ALL AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEMONADE EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON- INFRINGEMENT. (b) LEMONADE DOES NOT WARRANT THAT (i) THE SERVICE WILL MEET ALL OF YOUR REQUIREMENTS; (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; OR (iii) ALL ERRORS IN THE SOFTWARE OR SERVICE WILL BE CORRECTED. (c) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER DEVICE OR LOSS OF DATA RESULTING FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL. (d) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LEMONADE OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. YOU EXPRESSLY UNDERSTAND AND AGREE THAT LEMONADE, ITS SUBSIDIARIES, AFFILIATES AND LICENSORS, AND OUR AND THEIR RESPECTIVE OFFICERS, EMPLOYEES, AGENTS AND SUCCESSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, COVER OR OTHER INTANGIBLE LOSSES (EVEN IF LEMONADE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) UNAUTHORIZED ACCESS TO OR THE LOSS, CORRUPTION OR ALTERATION OF YOUR TRANSMISSIONS, USER CONTENT OR DATA; (iii) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR USING THE SERVICE, OR PROVIDING ANY SERVICES RELATED TO THE OPERATION OF THE SERVICE; (iv) LEMONADE’S ACTIONS OR OMISSIONS IN RELIANCE UPON YOUR ACCOUNT INFORMATION AND ANY CHANGES THERETO OR NOTICES RECEIVED THEREFROM; (v) YOUR FAILURE TO PROTECT THE CONFIDENTIALITY OF ANY PASSWORDS OR ACCESS RIGHTS TO YOUR ACCOUNT INFORMATION; (vi) THE ACTS OR OMISSIONS OF ANY THIRD PARTY USING OR INTEGRATING WITH THE SERVICE; (vii) THE TERMINATION OF YOUR ACCOUNT IN ACCORDANCE WITH THE TERMS OF THESE TERMS; OR (viii) ANY OTHER MATTER RELATING TO THE SERVICE. IN ANY EVENT AND WITHOUT LIMITING THE GENERALITY OF THIS SECTION TO THE EXTENT PERMITTED BY LAW YOU AGREE THAT OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES AND LOSSES SHALL NOT IN ANY CIRCUMSTANCES EXCEED THE GREATER OF (A) $100, OR (B) THE AGGREGATE OF THE AMOUNT (IF ANY) PAID BY YOU IN THE 6 MONTHS IMMEDIATELY PRECEDING BRINGING OF A CLAIM AGAINST US OR OUR AFFILIATES. NOTHING IN THESE TERMS (INCLUDING THE LIMITATION OF LIABILITY PROVISIONS) IS INTENDED TO EXCLUDE OR LIMIT ANY CONDITION, WARRANTY, RIGHT OR LIABILITY WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY WILLFUL ACTS, NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THOSE LIABILITY AND OTHER LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION (IF ANY) WILL APPLY TO YOU AND OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Assignment

Lemonade 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 thereof 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.

Indemnity

You agree to defend, indemnify and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, and/or licensors, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney's fees) arising from: (i) your use of the Services; (ii) your violation of these Terms; (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.

Governing Law and Jurisdiction

These Terms and your use of the Site are governed in all respects by the laws of the State of New York, without giving effect to any principles of conflicts of laws. Any dispute concerning the App or these Terms shall be subject to the exclusive venue of a court of competent jurisdiction in New York, New York.

General

We reserve the right to discontinue or modify any aspect of the Services at any time. These Terms, together with the Privacy Notice, and any other legal notices published by us on the Services, shall constitute the entire agreement between us concerning the Services. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and a party's failure to assert any right or provision under these not constitute a waiver of such right or provision.

For residents of the EU / EEA:

Lemonade, Inc., and its subsidiaries Lemonade Insurance Agency, LLC, Lemonade Insurance Company and Lemonade Insurance N.V. (collectively “Lemonade”) are participants in the EU / US Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries transferred to the United States pursuant to Privacy Shield. Lemonade has certified that it adheres to the Privacy Shield Principles (the “Principles”) with respect to such data and continues to do so regardless of the European Commission invalidating the Privacy Shield on July 16, 2020. If there is any conflict between the policies in this privacy pledge and data subject rights under the Principles, the Principals shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit https://www.privacyshield.gov/. Lemonade is subject to the investigatory and enforcement powers of the Federal Trade Commission.

Pursuant to the Privacy Shield Framework, EU individuals have the right to obtain our confirmation of whether we maintain personal information relating to you in the United States. Upon request, we will provide you with the access to the personal information that we hold about you. You may also correct, amend, or delete the personal information we hold about you if it is inaccurate or has been processed in violation of the Principles. An individual who seeks access should direct their query to hilfe@lemonade.com. If an individual requests to correct, amend, or delete their personal information transferred to the US under Privacy Shield, we will coordinate with our EU affiliate (Lemonade Insurance N.V.) to complete this request, unless an exception applies. Please note that your rights are not absolute and may be subject to regulatory requirements, third parties’ rights and our own legitimate interests.

We will provide an individual opt-out choice, or opt-in for sensitive data, before we share your data with third parties other than as described in this privacy policy, or before we use it for a purpose other than which it was originally collected or subsequently authorized. To request to limit the use and disclosure of your personal information, please submit a written request to hilfe@lemonade.com.

Lemonade is required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. Lemonade’s accountability for personal data that it receives in the US under the Privacy Shield and subsequently transfers to a third party is described in the Principles. In particular, Lemonade remains responsible and liable under the Principles if third parties that it engages to process the personal data on its behalf do so in a manner inconsistent with the Principles, unless Lemonade proves it is not responsible for the event giving rise to the damage.

As of July 16, 2020, Lemonade also relies on standard contractual clauses to transfer EU personal data to third countries outside of the EU not recognized by the European Commission as providing adequate protection. For more information, contact us at privacy@lemonade.com. Furthermore, Lemonade commits to cooperating with EU data protection authorities (DPAs) and complying with the advice given by such authorities, including the European Data Protection Board, with regard to human resource data transferred from the EU in the context of the employment relationship. In compliance with the Principles, Lemonade commits to resolve complaints about our collection or use of your personal information. EU individuals with inquiries or complaints regarding our Privacy Shield policy should first contact Lemonade at hilfe@lemonade.com or by mail at the address below.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third-party dispute resolution provider, free of charge to you, at https://www.jamsadr.com/eu-us-privacy-shield. Under certain conditions, more fully described on the Privacy Shield website (https://www.privacyshield.gov/), you may be entitled to invoke binding arbitration when other dispute resolution procedures have been exhausted. In cases of onward transfer to third parties of data of EU individuals received pursuant to the EU-US Privacy Shield, Lemonade is potentially liable. You have the right to access your personal data and, under certain circumstances, limit the use and disclosure of your personal data, request deletion, and seek to correct any errors in your data. Please contact hilfe@lemonade.com.

Specific note for EU employees - Lemonade commits to cooperate with the panel established by the EU data protection authorities (DPAs) and comply with the advice given by the panel with regard to human resources data transferred from the EU, in the context of the employment relationship.

Insurance Related Notices

These insurance-related notices provide additional information relevant to the Products provided by Lemonade. In the event and to the extent these notices conflict with any federal or state laws or regulations, the latter shall govern.

Giveback

As a Lemonade policyholder you will have the right to select a "Giveback cause", hereby joining a virtual group of people who made the same selection. Lemonade uses each group’s premiums to pay their claims and expenses, giving back leftover money to their common cause. While the availability and amount of leftover money is subject to Lemonade’s discretion, and applicable insurance regulations, our stated intention is to calculate the amount of leftover money by subtracting from the group's collective premium, our flat fee, the costs of claims, a "rainy day fund" and other insurance expenses like reinsurance – and giving back what's left (up to 40% of the group’s premiums). Giveback is Lemonade's policy, and expression of intent, but it is not a contractual obligation to you, nor to the cause you selected. We reserve the right to suspend or amend the Giveback policy from time to time.

Digital Assistant

Lemonade’s Digital Assistant (AI Maya) functions as an agent of Lemonade Insurance Company. Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured. Lemonade may at its sole discretion change the Digital Assistant’s content and information from time to time. At the time of a claim, coverage will be determined in accordance with the terms and conditions of your insurance policy.

Credit and Credit-Based Information

Disclosure in accordance with the Insurance Law

If you are a first time user please read the following disclosure: In connection with this insurance, we may review your credit report or obtain or use a credit-based insurance score, based on information contained in that report. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report 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. The information used to develop the insurance score comes from TransUnion.

If you used our services before and you wish to renew your policy please read the following:

In connection with this insurance, we may have previously used a credit report or obtained or used a credit-based insurance score based on information contained in that report. We may obtain or use credit information provided again, upon renewal of policy. We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited. An insurance score uses information from your credit report 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. The information used to develop the insurance score comes from TransUnion.

Recurring Credit/Debit Card Payments

You understand and agree that we will charge the credit or debit card you use to purchase an insurance policy from us today. Thereafter, we will automatically charge the card monthly for the monthly premium, the amount of which may change depending on policy changes you initiate and other factors approved by insurance regulatory authorities. Your policy is a one-year contract. Should we choose to insure you for another year, we will automatically charge the card for the new monthly premium. We will do the same for any subsequent renewals. You may cancel these recurring payments by cancelling your policy on the app. You may also cancel your policy by emailing our customer experience team at help@lemonade.com.

Insurance Quotes and Coverages

All quotes generated by Lemonade digital platform 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. To obtain coverage you must submit an application to Lemonade whether on Lemonade’s web site, mobile app or otherwise. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state.

Claims Submissions

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. Lemonade reserves the right to request additional information prior to reaching a decision on the claim. A claim representative may be communicating with you regarding your claim. It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please email our customer experience team at help@lemonade.com.

Consent and Authority to Obtain Information

In connection with any claim under your insurance policy, you consent to the release to us by third parties of any and all information and documents – whether or not confidential or non-public – that we deem pertinent to the claim, including but not limited to personally identifiable information, personal financial information, protected health information and any information you have provided to any law enforcement agency. You hereby authorize Lemonade as your representative for purposes of obtaining release to us of any such information from third parties. Any such information released to Lemonade will be held and used in accordance with our Privacy Pledge.

Confidentiality for New York Victims of Domestic Violence/Endangered Individuals

The provisions in New York Insurance Law, section 2612 sets forth confidentiality protocols for domestic violence victims and endangered individuals and prohibits insurers from discriminating against victims of domestic violence.

According to this law, if any person covered by an insurance policy delivers to the insurer that issued the policy a valid order of protection against a policyholder or other person covered by the policy, the insurer is prohibited for the duration of the order from disclosing to the policyholder or the other person covered, the address and telephone number of the insured, or of any person or entity providing the covered services to the insured. If the covered person is a child, then this right may be asserted by the child's parent or legal guardian.

The law also provides that no insurer may: refuse to issue or renew, deny or cancel any insurance policy; demand or require a greater premium or payment from any person or designate domestic violence as a prior condition, for which coverage will be denied/reduced. The fact that a person is or has been a victim of domestic violence is not permitted in underwriting criterion.

The law also requires a health insurer, as defined in that section of the law to include an accident and health insurer, to accommodate reasonable requests by a person covered by an insurance policy to receive communications of claim- related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger him or her. If the covered person is a child, then the child's parent or legal guardian may make the request. The insurer, without the express written consent of the person making the request, is prohibited from disclosing to the policyholder (1) the address, telephone number, any other personally identifying information of the person making the request or child for whose benefit a request was made (2) the nature of the health care services provided; or (3) the name or address of the provider of the covered services.

The request must include an alternative address, telephone number and/or other reasonable methods of contact. The request should be made by emailing a copy of the order of protection to the insurer at help@lemonade.com. In order to revoke a request that has been received and implemented, the requesting person must submit to the insurer a written sworn statement revoking the prior request.

For further information, please contact the New York State Domestic and Sexual Violence Hotline. NYS Domestic and Sexual Violence Hotline: 800-942-6906 (English and Spanish) In NYC: 800-621-HOPE (4673) or dial 311. Deaf or hard of hearing: 711.

Lemonade Insurance Agency, LLC License numbers

Alabama 3000598982‍, Arizona 3000179256‍, Arkansas 3000249299‍, California 0L73896, Colorado 585264‍, Connecticut 2562163‍, District of Columbia 3000181715‍, Georgia 198953‍, Illinois 3000090494‍, Indiana 3380639‍, Iowa 1002311302‍, Maryland 3000178935‍, Massachusetts 2092156‍, Michigan 115163‍, Mississippi 15038118‍, Missouri 8456531‍, Montana 3000274902‍, Nebraska 100287836‍, Nevada 3287873‍, New Hampshire 2446182‍, New Jersey 1641080‍, New Mexico 3000276087‍, New York PC-1417813‍, North Carolina 1000573136‍, North Dakota 3000274903‍, Ohio 1172317‍, Oklahoma 3000344874‍, Oregon 3000309997‍, Pennsylvania 843565‍, Rhode Island 30000112012‍, South Carolina 3000524129‍, Tennessee 2426943‍, Texas 2210328‍, Utah 732270‍, Virginia 142759‍, Washington 1007172‍, Wisconsin 3000237508‍

These terms of service will be updated as necessary from time to time