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Terms of Use

ATTENTION: Please read these terms carefully before using this website. Using this website indicates that you accept these terms. If you do not accept these terms, do not use this website.

JEDInsurance.com (“Site”) and J.E.D Insurance and Financial Service, Inc. (“JED”) take the privacy of its customers very seriously and wants you to feel comfortable whenever you visit our website, access our online services, or participate in our online offerings.  For more information please visit the Site’s Privacy Policy.

This document is an agreement between you and JED that describes the terms of use (“TOU”) subject to which you may access and use the content offered on the Site.   YOU ACKNOWLEDGE AND AGREE THAT BY BROWSING OR USING CONTENT OFFERED BY THE SITE, YOU HAVE AGREED TO BE BOUND BY THESE TERMS OF SERVICE AND ANY ADDITIONAL TERMS THAT MAY APPLY. Please note that JED reserves the right to revise these TOU at any time by posting an update to this page. Your continued use of the Site or content following the posting of changes to these TOU will mean you accept those changes.  JED reserves the right, in its sole discretion, to determine if you have violated these TOU, and to take any action it deems appropriate.  You acknowledge that JED shall have the right to terminate your access to the Site or content for violations of any of these rules, including infringement of copyright.

Personal, Non-Commercial Use: The Site is made available for your personal, non-commercial use only. Except as provided by specific terms governing a service, product or other information, you may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any of the information or content obtained from the Site.  

User Submissions:  Any material, information or other communication you transmit to the Site or provide to JED in connection with the Site will be considered non-confidential and non-proprietary communications. JED will have no obligations with respect to the communications. The Site, JED and its designees and partners will be free to copy, disclose, distribute, incorporate and otherwise use the communications and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes. You are prohibited from posting or transmitting to or from this site any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material that would violate any law.

In order to provide accurate quotes to users of the Site, JED may ask a consumer reporting agency to collect information and submit an investigative consumer report to JED as explained in the TOU under Federal Fair Credit Reporting Notice.  You may request to be interviewed in connection with the preparation of this report.  In certain limited situations, JED is allowed by law to disclose necessary items of personal information to third parties without your specific authorization.  You have a right to be told about, and receive copies if you wish, of items of personal information about you that appear in our filed, including information contained in investigation consumer reports.  You also have the right to seek correction of information you believe to be inaccurate.   We will send you a more detailed explanation of our information practices if you send us a written request. You may send your request to JED Insurance, 30 Mechanic Street #5, Foxboro, MA 02035.

Site users who request quotes from the site will be required to complete a written application before finalizing any transaction.   In addition to said investigative consumer reports, JED relies on information provided by Site users and applicants; therefore the information you provide to the Site and to JED must be true, accurate and complete. Not all Site users and applicants will be eligible for the insurance sought.     

Federal Fair Credit Reporting Notice:  An independent source known as a consumer reporting agency will prepare any investigative consumer report sought by JED.  The report will typically include information as to your character, general reputation, mode of living and personal characteristics.  The agency may conduct personal interviews with your family, friends, neighbors, business associates, financial sources, or other with whom you are acquainted in order to get this information.  If you write to us at JED Insurance, 30 Mechanic Street #5, Foxboro, MA 02035 within a reasonable time after you seek a quote from the Site, we will tell you whether or not a report was requested.  If a report was requested, we will tell you the name, address and telephone number of the agency to whom the request was made.  Upon request, the agency will furnish information as to the nature and scope of its investigation.  If you would like to inspect and to receive a copy of the report, you may do so by contacting the agency directly.

 Intellectual Property Rights:  All content on the Site, including, but not limited to, trademarks and logos, designs, text, graphics, sounds, images, software, and other website materials (the “Materials”) are the intellectual property of JED, Insurance Technology Corp. (“ITC”),  its licensors, affiliated companies or other vendors. The Materials are protected by United States and foreign intellectual property laws. Except as stated herein, none of the Materials may be copied, reproduced, or distributed in any form without the prior written permission of JED.

Trademarks and Copyright:  The Site logo, and other marks related to Site content and information (“Site Marks”) are the exclusive and valuable property of JED, ITC or their affiliated companies or licensors. The Site Marks can only be reproduced or displayed with specific written permission from JED or ITC, and only in accordance with the policies and guidelines associated therewith. JED has made every effort to supply trademark information about company names, products and services mentioned on the Site. All third party trademarks are the property of their respective owners.

Third-Party Content and Links: The Site may display content or links to web sites provided by ITC, third parties, including insurance companies and financial service companies, and other affiliates.  These may include advertisements and solicitations to purchase their products or services.  As consideration for your convenience in making this third-party content available or accessible to you, you acknowledge that:  (i) JED does not endorse the content or services described in any linked third-party web site and (2) JED does not control these third-party Web sites and expressly disclaim any responsibility for the content, the accuracy of the information and any products or services available on such Web sites.   You also agree that JED IS NOT responsible or liable for any losses or damages you experience with any third-party content you chose to rely upon or advertisements you respond to and that you must contact any such third party directly for any remedies that may be available to you.   You should also refer to the separate terms of use, privacy policies and other rules posted on third-party Web sites before you use them.

Compliance with Laws:  By accessing or using the Site, you agree to comply with all laws, rules and regulations implemented by any government authority or agency which govern or apply to the operation and use of the Site and any services offered therein. Without limiting the generality of the foregoing, you expressly agree not to export or re-export any of the content contained in the Site to countries or persons prohibited under the export control laws of the United States. JED makes no representations that the content on the Site is appropriate or available for use outside the United States. If you have chosen to access the  Site from outside the United States of America, you do so at your own initiative and risk, and you are responsible for compliance with your local laws, if and to the extent, local laws are applicable.

Legal Disclaimers:  The Site and the information provided therein are for the convenience of users of the Site and for customers and potential customers of JED.  The information provided on the Site and the products and services described on the Site are subject to change without notice. JED DOES NOT REPRESENT OR WARRANT THE ACCURACY, CONTENT, COMPLETENESS, LEGALITY, RELIABILITY, OPERABILITY, OR AVAILABILITY OF ANY INFORMATION OR MATERIAL DISPLAYED DOWNLOADED OR OTHERWISE RECEIVED FROM THE  SITE. THE  SITE AND ASSOCIATED CONTENT ARE PROVIDED “AS IS,” WITH NO WARRANTY, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS.  JED DISCLAIMS ANY IMPLIED, EXPRESS, OR STATUTORY WARRANTIES REGARDING THE SECURITY, RELIABILITY, TIMELINESS, AND PERFORMANCE OF THE SITE CONTENT RECEIVED THEREFROM, INCLUDING INFORMATION OR ADVICE OBTAINED THROUGH THE SITE, SERVICES, OR SOFTWARE. JED DOES NOT WARRANT THAT THE SITE OR CONTENT WILL BE ERROR-FREE OR THAT THE SITE IS FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. YOU UNDERSTAND AND AGREE THAT YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIAL THROUGH THE USE OF THE WEBSITE AT YOUR OWN DISCRETION AND RISK, AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL. IF YOUR USE OF THE WEBSITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACEMENT OF EQUIPMENT OR DATA, JED, ITS AFFILIATES, AND SUBSIDIARIES ARE NOT RESPONSIBLE FOR THOSE COSTS.

Some states or other jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. You may also have other rights that vary from state to state and from jurisdiction to jurisdiction. 

LIMITATION OF LIABILITY:  UNDER NO CIRCUMSTANCES IS JED OR, ITS AFFILIATES, SUBSIDIARIES, OR LICENSORS LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL, RELIANCE, OR CONSEQUENTIAL, OR SPECIAL DAMAGES WHETHER OR NOT FORSEEN, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) ON ACCOUNT OF YOUR USE, MISUSE, OR RELIANCE ON THE INFORMATION, SERVICES OR SOFTWARE AVAILABLE ON THE SITE. THIS LIMITATION OF LIABILITY SHALL APPLY TO PREVENT RECOVERY OF DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM ANY CLAIM RELATING TO THIS AGREEMENT OR THE SUBJECT MATTER HEREOF, WHETHER SUCH CLAIM IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE ANY OTHER LEGAL THEORY EVEN IF JED HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES).

The above limitation applies to your use, misuse, or reliance upon the Site, including, without limitation, damages you may incur because of third-party services or other services or goods received, such as third-party services or goods received by, advertised on, or linked to the Site.

Some states or other jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages, so the above limitations and exclusions may not apply to you.

General Provisions:

Governing Law: These TOU and all claims related to them, their execution, or the performance of the parties under them, shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without giving effect to its conflict of laws provisions. You agree and hereby submit to the exclusive personal jurisdiction and venue of the Superior Court located in Norfolk County, Massachusetts or the United States District Court for the District of Massachusetts, with respect to such matters.

If for any reason, a court of competent jurisdiction finds any provision or portion of these TOU to be unenforceable, the remainder of the TOU will continue in full force and effect.

Force Majeure: Under no circumstances shall JED, its affiliates, subsidiaries, or licensors be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, loss of data, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air-conditioning.

Entire Agreement: Unless you have signed a separately signed written agreement with JED, these TOU constitute the entire agreement between you and JED with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter.

These Terms of Use were last amended on 04/08/2013.


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