Adaptive Holdings, Inc. (collectively, “Adaptive,” “we,” “our” and “us”) provides the websites, mobile applications, products, and services offered by or through one or more of us (collectively, the “Site”) subject to these Terms and Conditions (these “Terms and Conditions”). These Terms and Conditions are in addition to any other agreements
between you and Adaptive or the terms applicable to our specific products including, but not limited to, our insurance products. These Terms and Conditions also apply to our products and services that are not provided on our Site if we include these Terms and Conditions in your documentation for that product or service.
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Please read these Terms and Conditions carefully before accessing or using any part of this Site. By accessing or using this Site, you agree to be bound by these Terms and Conditions, as amended from time to time, as well as the Adaptive Privacy Policy, which is hereby incorporated into these Terms and Conditions. By agreeing to be bound by these Terms and Conditions, you agree to be bound by the jury trial and class action waiver below. If you do not wish to agree to these Terms and Conditions, do not access or use any part of this Site.
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Adaptive may change these Terms and Conditions at any time by posting changes to this Site, or on a website or app that replaces the Site, prior to the change becoming effective, or by notifying you via your online account, through the app, or by email prior to the effective date of the change. You agree to be bound by any changes to these Terms and Conditions thirty (30) days after they are revised or when you use the Site after any such change is posted, whichever is sooner. Adaptive may at any time and for any reason change or discontinue all or any portion of the Site, its features, or the third-party services that are available through the Site by posting on this Site about those changes. The licenses, user obligations, and authorizations described herein are ongoing. If you disagree with these Terms and Conditions (as amended from time to time) or are dissatisfied with this Site, your sole and exclusive remedy is to discontinue using this Site. You may review the current version of these Terms and Conditions, which supersedes all previous versions, by clicking on the “Terms and Conditions” hyperlink.

You hereby grant Adaptive an irrevocable, worldwide, royalty-free license to any information, data, passwords, usernames, PINs, personal information, or other content you provide through the Site. You authorize Adaptive to use this information, content, or other information we retrieve through the third-party sites on your behalf to provide the Site, content, or Adaptive products or services, or for other permissible business purposes. Except as otherwise provided herein, Adaptive may store, use, change, or display this information or create new content using this information. Where appropriate, as a part of the products or services we provide to you, by using the Site, you hereby authorize Adaptive to access third-party sites, as your agent, to retrieve your information. Unless and until these Terms and Conditions are terminated, you grant Adaptive the right to access information at third-party sites on your behalf. Third-party sites may rely on the authorizations granted by you or through your account. You hereby grant Adaptive the right to access third-party sites to retrieve or use your information, as described herein, for the delivery of the Site or the materials, information, or opinions provided on, or available through, the Site (“Site Content”) and other purposes described in these Terms and Conditions.

You represent and warrant that:

• you have the power and authority to agree to these Terms and Conditions;

• all information you provide to Adaptive in connection with the Site or Site Content is accurate, current, and complete;

• you will not misrepresent your identity, account information, or Materials (including information relative to our providing you services);

• you will keep account information secure, up to date, and accurate; and

• if you provide Adaptive with credentials relating to third-party sites, you are a legal owner, or an authorized user, of the accounts at third-party sites that you include or access through the Site, and that you have the authority to (i) designate Adaptive as your agent, (ii) use the services, and (iii) give Adaptive the passwords, usernames, and all other information you provide.

THE SITE, SITE CONTENT, PRODUCTS, AND SERVICES PROVIDED ON OR AVAILABLE THROUGH THIS SITE OR THROUGH OUR AGENTS, AFFILIATES, OR THIRD-PARTY WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. ADAPTIVE, INCLUDING ANY PERSON ASSOCIATED WITH ADAPTIVE, DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, ABOUT THE SITE, SITE CONTENT, PRODUCTS, OR SERVICES PROVIDED ON OR AVAILABLE THROUGH THIS SITE OR THROUGH OUR AGENTS, AFFILIATES, OR THIRD-PARTY WEBSITES. THIS DISCLAIMER INCLUDES, WITHOUT LIMITATION, DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. WITHOUT LIMITING THE FOREGOING, NEITHER ADAPTIVE NOR ANYONE ASSOCIATED WITH ADAPTIVE WARRANTS OR REPRESENTS THAT THE SITE, SITE CONTENT, PRODUCTS, OR SERVICES PROVIDED ON OR THROUGH THIS SITE OR THROUGH OUR AGENTS, AFFILIATES, OR THIRD-PARTY WEBSITES WILL BE ACCURATE, COMPLETE, AVAILABLE, RELIABLE, ERROR-FREE, TIMELY, SECURE, OR UNINTERRUPTED OR MEET YOUR REQUIREMENTS; THAT DEFECTS WILL BE CORRECTED; THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; THAT THE SITE, INCLUDING THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL, WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS; OR THAT ANY ERRORS WILL BE CORRECTED. ADAPTIVE DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES, QUALITY, CONTENT, OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEBSITE. YOUR USE OF THIRD-PARTY WEBSITES IS AT YOUR OWN RISK AND SUBJECT TO THE TERMS OF USE FOR SUCH WEBSITES. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE OR THE SERVICES IS DONE AT YOUR OWN RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICES OR LOSS OF DATA THAT MAY RESULT.
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"Linked Website” or “Third-Party Website” means any website owned by a third party to which or from which the website is linked. It includes any website or third-party service provider recommended by Adaptive or an Adaptive employee, service provider, contractor, consultant, or agent. The information, products, software or service descriptions published on the Site or a Linked Website may include inaccuracies or typographical errors. Adaptive disclaims liability for such errors and does not warrant or represent that the Site Content or a Linked Website is updated or complete. Adaptive has no obligation to update any Site Content and may change or improve the Site at any time without notice. Adaptive does not endorse and is not responsible for the accuracy or reliability of any opinion, advice, or statement made through the Site.
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Some jurisdictions do not allow the exclusion of certain warranties; therefore, some of the above exclusions may not apply to you.

Adaptive does not assume any liability for the Site Content. The Site Content is not and should not be construed as insurance advice. Reliance on the Site Content is solely at your own risk. Any insurance, product, or services purchasing conclusions and decisions such as coverage amounts, limits and deductibles are solely the responsibility of the insured. At the time of a claim, coverage will be determined in accordance with the terms of the applicable insurance policy, or product or service terms and not the Site Content. 
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TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL ADAPTIVE OR ITS LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, DIRECTORS, OR CONTRACTORS BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY THEORY OF LAW OR EQUITY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE, THE SITE CONTENT, OR ANY SERVICES, RECOMMENDATIONS, REFERRALS, OR PRODUCTS PROVIDED ON OR THROUGH THIS WEBSITE OR ANY LINKED WEBSITE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES. ADAPTIVE DISCLAIMS ALL LIABILITY FOR INJURY OR DAMAGES RESULTING FROM THE USE OF ANY SITE CONTENT. 
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THIS LIMITATION OF LIABILITY INCLUDES, WITHOUT LIMITATION, PERSONAL INJURY, LOST PROFITS, GOODWILL, DATA OR OTHER LOSSES, COSTS OF OBTAINING SUBSTITUTE SERVICE OR LOST OPPORTUNITY, OR DAMAGES RESULTING FROM DELAY, INTERRUPTION IN SERVICE, MECHANIC OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE, OR OTHER INTERCONNECTS, UNAUTHORIZED USE OR ACCESS TO OR ALTERATION OF YOUR TRANSMISSION OF DATA, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, STATEMENTS OR CONDUCT OF ANYONE ON THE SITE, ANY FORCE MAJEURE EVENT, VIRUSES, DELETION OF FILES OR ELECTRONIC COMMUNICATIONS, OR ERRORS, OMISSIONS OR OTHER INACCURACIES IN THE SITE OR THE SITE CONTENT, WHETHER OR NOT ADAPTIVE HAS BEEN NEGLIGENT OR BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. 

ADAPTIVE SPECIFICALLY DISCLAIMS ANY LIABILITY, LOSS, INJURY, OR RISK INCURRED AS A CONSEQUENCE, DIRECTLY OR INDIRECTLY, OF THE USE OR APPLICATION OF ANY OF THE SITE, SITE CONTENT, CONTENT, OR SERVICES, WHETHER THEY ARE PROVIDED ONLINE OR IN PERSON. ADAPTIVE HAS NO RESPONSIBILITY OR LIABILITY FOR ANY LOSS OR DAMAGE OF ANY KIND THAT YOU MAY SUFFER AS A RESULT OF YOUR INTERACTION WITH SERVICE PROVIDERS, INCLUDING, WITHOUT LIMITATION, INSPECTORS, ADJUSTERS, CONTRACTORS, OR AGENTS. YOU WAIVE AND HOLD HARMLESS ADAPTIVE, ITS EMPLOYEES, DIRECTORS, AGENTS, OR SERVICE PROVIDERS FROM ANY CLAIMS ARISING FROM OR RELATING TO ANY ACTION TAKEN BY ADAPTIVE RELATING TO ITS INVESTIGATIONS OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER ADAPTIVE OR LAW ENFORCEMENT AUTHORITIES.

REGARDLESS OF THE LIMITATION OF LIABILITY DISCLAIMERS IN THIS SECTION, IF ADAPTIVE IS FOUND TO BE LIABLE, OUR LIABILITY TO YOU OR ANY THIRD PARTY IS LIMITED TO $100. 
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Some jurisdictions do not allow the exclusion of certain liabilities; therefore, some of the above exclusions may not apply to you.

You agree to use the Site only for lawful purposes.
You agree not to do any of the following:
(1) upload to or transmit on the Site any defamatory, derogatory, indecent, profane, obscene, harassing, violent, threatening, illegal or otherwise objectionable material, any material that is contrary to Adaptive’s Privacy Policy or otherwise injurious to Adaptive or third parties, or any material that may or does infringe in any manner on the copyright, trademark, or other intellectual property rights of any person or entity, or that contains privileged, confidential, proprietary, or trade-secret information of any individual or entity;
(2) use the Site or Site Content to violate the legal rights (including the rights of publicity and privacy) of others or to violate the laws of any jurisdiction;
(3) intercept or attempt to intercept electronic mail not intended for you;
(4) misrepresent an affiliation with any person or organization;
(5) upload to or transmit on the Site any advertisements or solicitations of business;
(6) restrict or inhibit use of the Site by others;
(7) upload or otherwise transmit files that contain a virus or corrupted data, consist of or invoke malicious software code, or consist primarily of an unsolicited electronic mass mailing;
(8) collect information about others (including email addresses) without their consent;
(9) download a file or software or include in a message any software, files, or links that you know, or have reason to believe, cannot be distributed legally over the Site or that you have a contractual obligation to keep confidential (notwithstanding its availability on the Site);
(10) post “spam” or statements political in nature, use the Site to transmit commercial solicitations (except those Adaptive pre-approves), post chain letters or engage in other similar activities;
(11) use the Site or Site Content in any way that would be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of the Site or Site Content to impersonate another person or entity;
(12) violate any applicable law, statute, ordinance, or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination, or false advertising);
(13) use the Site or Site Content in a way that creates liability for Adaptive or causes Adaptive to lose the services of our service providers;
(14) use the Site or Site Content to access the information and content programmatically by macro or other automated means;
(15) use the Site or Site Content to permit unauthorized entry or access to computer systems;
(16) use any deep-link, page-scrape, robot, crawl, index, spider, click spam, macro programs, internet agent, or other automatic device, program, algorithm, or methodology that serve similar purposes to use, access, copy, acquire information, generate impressions or clicks, input information, store information, search, generate searches, or monitor any portion of the Site;
(17) use the Site in any way that depletes web infrastructural resources, slows the transferring or loading of any web page, or interferes with the normal operation of the Site; or
(18) engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which, as determined by Adaptive, may harm Adaptive or users of the Site or expose them to liability.
Any material, information, content, or opinions uploaded, expressed, or submitted to our app, a message board, blog, chatroom, or any part of the Site, (including password-protected areas), and all articles and responses to questions, other than Site Content (all individually considered “Material”), are solely the opinions and responsibility of the person or entity submitting them and do not necessarily reflect the opinions of Adaptive.
Where an email address is required to upload Material, you agree to use a valid email address and represent that you are the individual identified by the address. If you wish to provide Materials to the Site, you are prohibited from impersonating any other individual or entity, or otherwise misleading anyone as to the origination of your Material. You understand and acknowledge that you are responsible for whatever content you submit, and you, not Adaptive, have full responsibility for such Materials, including, without limitation, its legality, reliability, accuracy, completeness, and appropriateness.
You may not provide Materials that improperly use or share the personal information about others (such as full name, postal address, email address, telephone number, or any other personal attribute which would constitute harassment or an invasion of privacy) or infringe in any manner on the copyright, trademark, or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary, or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale.
By uploading or otherwise transmitting Materials to any area of the Site, you warrant that the Material is your own, is in the public domain, is otherwise free of proprietary or other restrictions, or that you have the right to post it to the Site. You grant Adaptive a non-exclusive, royalty-free, perpetual, irrevocable, fully-transferable, sub-licensable, assignable right to use, copy, display, edit, modify, perform, publish, adapt, translate, incorporate into other Materials, make a derivative work from, or reformat your submissions as necessary, and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you upload a submission, you are also hereby granting to Adaptive the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses the submission in an unauthorized way or through unauthorized reproduction of any submission.
User submissions used, displayed, or propagated by Adaptive or others licensed by Adaptive to use such submissions may be attributed to you unless you have expressly requested anonymity. Adaptive reserves the right to select among user submissions for the most appropriate Materials to be used, subject to its sole discretion and judgment. Adaptive further reserves the right, but does not assume any responsibility, to (1) remove any Materials posted on the Site pursuant to its sole discretion and judgment; and (2) terminate any user’s access to all or part of the Site. Adaptive assumes no liability for any action or inaction regarding transmissions, communications, or content provided by third parties. Adaptive reserves the right to take any action it deems necessary to protect the safety, security, or privacy of users of this Site and the public. Adaptive has no liability or responsibility to anyone for performance or nonperformance of the activities described in this Section.
You agree not to redistribute or reproduce elsewhere user submissions in any manner or in any media, including the re-submission or republishing of any user submissions on any other site not affiliated with Adaptive.
Adaptive may deny you access and use of the Site and Site Content if you violate (as Adaptive may determine in its sole and absolute discretion) any provision of these Terms and Conditions. Adaptive reserves the right to seek all other remedies available at law or in equity. You agree, at your own expense, to defend, indemnify, and hold Adaptive, its third party-service providers, and their officers, directors, employees, and agents, harmless from any claim or demand (including reasonable legal fees) made by a third party arising out of or relating to your access to, or use of the Site or any of the Site Content. This includes your breach of these Terms and Conditions, your violation of applicable laws, your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone, or any rights of any third party. You are solely responsible for your use or access to the Site. You are solely responsible for the security and confidentiality of your login credentials, preventing unauthorized access to your information or your use of the Site, and all activities that occur under your account.
Your failure to comply with the provisions of this Section may result in the termination of your access to the Site and may expose you to civil or criminal liability.
Some jurisdictions do not allow the exclusion of certain warranties; therefore, some of the above exclusions may not apply to you.

Adaptive’s collection, use, and sharing of your personal information and our responsibilities in connection with protecting your privacy are described in our Privacy Policy, which is hereby incorporated by reference into these Terms and Conditions.
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You are prohibited from using any services or facilities provided in connection with this Site to compromise security or tamper with system resources or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Adaptive reserves the right to release your details to system administrators at other websites in order to assist them in resolving security incidents. Adaptive reserves the right to investigate suspected violations of these Terms and Conditions.
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Adaptive may use or share your information (including without limitation, your business information, information obtained from your IoT devices, activation information, and other information described in Adaptive’s privacy policy) for a variety of purposes. These purposes include, without limitation, rating; claims; investigations; event reconstruction; making liability or coverage determinations; research; development; compliance with governmental, regulatory, or law enforcement requests; litigation; and other purposes as permitted or required by applicable law. We may use third-party service providers or partners for these purposes. Adaptive may cooperate with any law enforcement authorities or court order requesting or directing Adaptive to disclose the identity of anyone posting any email messages, or publishing or otherwise making available any Materials that it determines in its discretion to violate these Terms and Conditions. Where required or permitted under applicable law, Adaptive may use or share your information with law enforcement, governmental agencies, regulatory agencies, and others.

The entire contents of this Site (including all information, software, text, displays, images, and audio) and the design, selection and arrangement thereof, are proprietary to Adaptive or its licensors and are protected by United States and international laws regarding copyrights, trademarks, service marks, trade secrets, international treaties, or other proprietary rights. You agree to abide by all applicable proprietary rights and laws, as well as any additional trademark or copyright notices or restrictions contained in these Terms and Conditions. You agree that Adaptive retains all ownership and proprietary rights in the Site and Site Content. These Terms and Conditions grant you no right, title, or interest in Adaptive’s intellectual property and create no relationship between you and Adaptive.

Trademarks and the Adaptive logo and all related product and service names, designs, logos, trade dress, slogans, and other identifiers on our Site belong to Adaptive or its affiliates, unless otherwise disclosed. You may not use such marks for any purpose (including, but not limited to, use on other materials, in presentations, as domain names, or as metatags) without Adaptive’s prior written permission. All other names, brands, and marks not owned by Adaptive are used for identification purposes only and may be trademarks or registered trademarks of their respective owners.

You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any Site Content available on or through the Site for commercial or public purposes, without the prior written permission of Adaptive.

If you are a copyright owner or an agent thereof of a work protected by a United States copyright that has been linked to, posted, or stored on the Site without authorization and you believe that any content on the Site infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that’s allegedly infringed;

• Identification of the copyrighted work claimed to have been infringed, including a URL (if applicable). If multiple copyrighted works at a single online site are covered by a single notification, please provide a representative list of such works on that site; 

• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed (or access to which is to be disabled). Please provide information reasonably sufficient to permit the service provider to locate the material; 

• Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and email address; 

• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and 

• A statement that the information in the notification is accurate (under penalty of perjury) and that you’re authorized to act on behalf of the owner of an exclusive right that’s allegedly infringed. 

Please direct copyright infringement notifications to: 
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Adaptive Insurance Services
Attn: Legal 
15511 HWY 71 West, Ste. 110-186; Bee Cave, TX 78738
cc: legal@adaptiveinsurance.com 
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You acknowledge that if you fail to comply with all of these requirements, your DMCA notice may not be valid. 
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If you believe that your content that was removed, or to which access was disabled, from the Site is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the material in your content, you may send a counter-notice containing the following information to the

Copyright Agent:

• Your physical or electronic signature; 

• Identification of the content that has been removed (or to which access has been disabled) and the location where the content appeared before it was removed or disabled; 

• A statement that you have a good faith belief that the content was removed or disabled as a result of a mistake or a misidentification of the content; 

• Your name, address, telephone number and email address; 

• A statement that you consent to the jurisdiction of the federal court in or near Austin, Texas; and 

• A statement that you will accept service of process from the person who provided notification of the alleged infringement. 

If a counter-notice is received by the Copyright Agent, Adaptive may send a copy of the counternotice to the original complaining party informing them that Adaptive may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member, or user, Adaptive may, in its sole discretion, replace or restore content, and such action may take longer than ten (10) business days.

Intellectual property laws protect Adaptive’s Site Content. We hereby grant you a nonexclusive, nontransferable, limited, and revocable-at-any-time license to use the Site solely for your personal, non-public use or legitimate business purposes related to your role as a current or prospective customer, service provider, or another authorized user of Adaptive. 
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You may not copy, modify, create derivative works of, publicly display or perform, republish, store, transmit or distribute any Site Content without the prior written consent of Adaptive, except to: (a) store copies of such Site Content temporarily on your device, (b) store files that are automatically cached by your web browser for display enhancement purposes, or (c) print a reasonable number of pages of the Site; provided in each case that you do not alter or remove any copyright or other proprietary notices included in such Site Content. The title and any intellectual property rights to Site Content remain with Adaptive or the applicable owner of such content. Except as expressly authorized by Adaptive in writing, you may not reproduce, sell, or exploit for any commercial purposes or for public use (i) any part of this Site, (ii) access to this Site, or (iii) use of this Site or Site Content available through this Site. 
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Except as expressly provided above, all rights are reserved. Except as expressly provided above, no portion of the Site, the Site Content or any copyright, trademark, trade name, service mark, or any other proprietary information of Adaptive (collectively, the "Intellectual Property") displayed on the Site or on any of the Site Content may be reproduced, altered, removed, transmitted, published, or distributed (whether electronically, mechanically, by photocopy, recording, or otherwise), without prior written permission from Adaptive. Use of any Adaptive’s trademarks as metatags on any third-party website is strictly prohibited. You may not co-brand the Site or display the Site in frames (or any of the Site Content through inline links) without prior written permission from Adaptive. Co-brand includes your display of any of the Intellectual Property (or your taking of other means of attribution or identification of Adaptive) in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish, or distribute the Site or any of its Site Content. You agree to cooperate with Adaptive in causing any unauthorized co-branding, framing, or linking to immediately cease.

From time to time, Adaptive may authorize linked websites to or from the Site. Linked Websites are controlled and operated by third parties, not by Adaptive. The fact that Adaptive authorizes Linked Websites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Websites, its owners, sponsors, or providers.

You agree that all comments, suggestions, or other information (collectively, the “Information”) sent by you to this Site shall be (and shall remain) Adaptive’s property, and you agree that all intellectual property rights therein are transferred to Adaptive. None of the Information shall be subject to any obligation of confidence on the part of Adaptive. Also, Adaptive shall not be liable for any use or disclosure of Information. Without limiting the foregoing, Adaptive 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. 

Use, duplication, or disclosure by the United States Government is subject to the restrictions set forth under these Terms and Conditions, DFARS 252.227-7013, FAR 52.227-14, and any other successor regulations that may be applicable.

You are accessing the Site on your own initiative and at your own risk. You are responsible for compliance with all applicable laws, including all applicable federal, state, and local laws and regulations. 

All quotes generated in this Site are based on information you provided on this Site, as well as, in some cases, information we obtain from third parties. Quotes do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage. The coverage descriptions provided in this Site are general descriptions of potentially available insurance coverage products and services and are not a statement of contract or an invitation to contract. To obtain insurance coverage you must complete all of the steps on this Site through the final application through this Site, a mobile app, or other application or binding process, such as completing your application and agreements using email or other communication methods. Applications are subject to underwriting guidelines, review, and approval. 

If you file a claim under your policy, the information you submit and the loss are subject to review and verification. We reserve the right to request additional information before making a final decision on your claim. In some cases, a claim representative may contact you regarding your claim. Your claim is subject to the provisions in your policy. 

We are required by law to provide certain disclosures to you before you enter into a transaction electronically via the Site or by phone. In addition, we need your consent to enter into such transactions before we can deliver, or authorize the delivery of, certain documents to you electronically. If you enter into a transaction with us via the Site, by phone, or through an agent or third party, you acknowledge that you have read and agree to our Agreement to Conduct Electronic Transactions. 

Adaptive, its service providers, and partners may contact you via text or voice call to provide you with their services. These services may include assisting you in the completion of an application for insurance or other marketing purposes by Adaptive, its subsidiaries and affiliates, independent contractors, or partner companies, regarding Adaptive’s insurance and non-insurance products and services. Adaptive may offer text messaging services to provide various types of information or services to our customers. Our customers may receive customer service, policy transaction, security-related, or marketing text messages. By using this Site, you agree to receive text messages from Adaptive, its service providers, insurance agents, and partners at the mobile phone number you have provided to us. By providing us your mobile phone number, you confirm that you are the owner or primary user of the mobile phone number. You agree to receive automated texts to confirm your phone number. Message and data rates may apply. An automatic telephone dialing system or prerecorded voice message may be used for communication. Calls may be made even if your phone number is listed on a Do Not Call Registry. Consent to receiving recurring text messages is not a condition of service from Adaptive. Frequency may vary and message and data rates may apply.

If your mobile phone number changes, you are responsible for updating your information. You may do so by logging onto your account and changing your contact information. If you discontinue your phone service, you must unenroll from the text messaging services. 
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For more information about the messaging programs we offer or if you have any questions or concerns about sending or receiving text messages, please contact us at 1-877-595-5515 or email us at info@adaptiveinsurance.com. You may view our Privacy Policy for more information about our privacy practices. If you want to opt out of receiving text messages from Adaptive, please respond by texting STOP to the number you received a message from. We will send a confirmation message that validates your desire to unsubscribe. 

Adaptive may terminate these Terms and Conditions or suspend or limit your account, the Site, or use of the Site or Site Content immediately, without prior notice or additional liability, under our sole discretion, for any reason whatsoever, including, without limitation, your breach of these Terms and Conditions. Upon termination, you shall cease use of the Site and Site Content. 

Provisions that by their nature should survive termination of these Terms and Conditions must survive termination, including without limitation, sections relating to limitation of liabilities and disclaimer of warranties. 

Except to the extent otherwise set forth herein, these Terms and Conditions set forth the entire understanding between Adaptive and you with respect to your access to and use of the Site and Site Content. These Terms and Conditions replace all prior understandings between us. 

You may not assign or transfer these Terms and Conditions. We may assign our rights or obligations without your consent or without notice. These Terms and Conditions will inure to the benefit of our successors, assigns, licensees, and sublicensees. Any assignment or transfer in violation of these Terms and Conditions is void. 

These Terms and Conditions are governed by the laws of the State of Texas, USA, without regard to its conflicts of law principles. Exclusive jurisdiction over any cause of action arising out of these Terms and Conditions or your use of the Adaptive Site is in the state or federal courts located in or near Austin, Texas. You submit to the jurisdiction of such courts.

WITH RESPECT TO ANY DISPUTE WITH ADAPTIVE OR OUR SERVICE PROVIDERS, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR THESE TERMS AND CONDITIONS, YOU HEREBY (I) GIVE UP YOUR RIGHT TO HAVE A TRIAL BY JURY; AND (II) GIVE UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING SUCH DISPUTE. 

If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of these Terms and Conditions will remain in effect. 

If Adaptive fails to exercise any of its rights under these Terms and Conditions, any such failure will not constitute a waiver of such right or any other rights under these Terms and Conditions.

If you have any questions or concerns about these Terms and Conditions, you may contact us at info@adaptiveinsurance.com; at 1-877-595-5515; or at Adaptive Insurance Services, 15511 HWY 71 West, Ste. 110-186; Bee Cave, TX  78738.