Terms and Conditions

INTRODUCTION Welcome to the web site (“Site”) for Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions.

ACCESS TO THE SITE BY ACCESSING, BROWSING AND/OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO BE BOUND BY THESE TERMS AND CONDITIONS OF USE (“TERMS AND CONDITIONS OF USE”) INCLUDING THE PRIVACY POLICY (“PRIVACY POLICY”) (COLLECTIVELY THE “TERMS”) AND TO COMPLY WITH ALL APPLICABLE U.S. LAWS AND REGULATIONS. In addition, you hereby represent and certify that you are at least eighteen (18) years of age. If you do not or cannot agree to the Terms, you are not authorized to use the Site or any of the services offered through the Site. Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions reserves the right, in its sole discretion, to update, revise, supplement and to otherwise modify these Terms, and to impose new or additional terms and conditions on your use of the Site from time to time. Such updates, revisions, supplements, modifications and additional rules, policies, terms, and conditions (collectively referred to in these Terms as “Additional Terms”) shall be effective immediately and incorporated into these Terms upon notice thereof, which may be given by any reasonable means including by posting to the Site. Your continued viewing or use of the Site following such notice shall be deemed to conclusively indicate your acceptance of any and all such Additional Terms

ACCEPTABLE USE OF THE SITE In order to use the Site, you must obtain access to the Internet and pay any and all service fees associated with such access. (a) Individual Use. You agree that you are only authorized to visit, view and to retain a single copy of pages of the Site for your own internal use and not on behalf of any other person or entities, and that you shall not duplicate, download, publish, modify or otherwise distribute any material on the Site for any purpose other than for your own internal use unless otherwise specifically authorized by Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions DBA Collective:Choice Insurance Solutions in writing. Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions posts legal notices and various credits on pages of the Site, which you shall not remove even in your permitted copies. (b) Deep Links; Linking. You agree not to “deep-link” to the Site, meaning that you shall not create, post, display, publish or distribute any link to any page other than the front (home) page of the Site for any purpose, unless specifically authorized by Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions in writing to do so. If you do want to link to the Site in any manner, you may contact the Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions Webmaster at admin@quoteselection.com to seek approval. (c) Framing. You agree not to create any frames at any other web sites pertaining to or using any of the content located at the Site for any purpose unless specifically authorized by Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions in writing to do so. (d) Security, Cracking and Hacking. You are prohibited from violating or attempting to violate the security of the Site. Accordingly, you agree not to: (i) access data or materials not intended for you; (ii) log into a server or account which you are not authorized to access; (iii) attempt to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (iv) attempt to interfere with service to any user, host or network, including without limitation, by means of submitting a virus to the Site, overloading, “flooding”, “mailbombing” or “crashing” the Site. Violations of system or network security may result in civil or criminal liability. Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions reserves the right to investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who have participated in such violations. You understand that data and communications, including e-mail and other electronic communications, may be accessed by unauthorized third parties when communicated over the Internet. (e) You Are Responsible For All of Your Activities and All of The Content You Post or Submit. You represent and warrant that any information and/or material you post or provide to Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions by means of the Site, including, without limitation, as part of any registration or subscription or to gain access to or use any services offered on the Site (“Submissions”), is truthful, accurate, not misleading, not confidential property of others, not in violation of any other third party’s rights and offered in good faith. You agree NOT to use the Site for or in connection with any of the following activities: (i) transmitting or relaying spam, spoofing or otherwise impersonating any person or entity, or falsely stating or otherwise misrepresenting your identity or affiliation in any way; (ii) using the Site for any fraudulent or illegal purpose; (iii) e-mailing, uploading, or otherwise transmitting or using the Site in furtherance of the use, distribution or transmission of any unlawful, harassing, defamatory, tortious, libelous, sexually explicit, obscene, hateful, racially, ethnically or otherwise objectionable material of any kind; and (iv) transmitting material that contains viruses, Trojan horses, worms, time bombs, cancelbots or other computer programming routines or engines that are intended to damage, destroy, disrupt or otherwise impair a computer’s functionality or the operation of the Site. (f) Information Disclosed via the Site. IN ADDITION TO ANY OTHER WARRANTY DISCLAIMER PROVIDED IN THE TERMS, ANY INFORMATION DISCLOSED TO YOU VIA THE SITE INCLUDING, WITHOUT LIMITATION, ANY CONTENT, MOB MEDIA, INC. ASSUMES NO RESPONSIBILITY, AND DISCLAIMS ANY LIABILITY FOR, ANY ILLNESS OR INJURY RESULTING FROM USING ANY PRODUCTS OR FOLLOWING ANY ADVICE CONTAINED ON THIS SITE. (g) Do Not Violate Third Party Intellectual Property Rights. Without limiting the foregoing, you shall not, and by using the Site you agree not to, use the Site to: (i) transmit or post any Submissions that are copyrighted, unless you are the copyright owner or have obtained the permission of the copyright owner to transmit it; (ii) transmit or post any Submissions that reveal trade secrets, unless you own them or have the permission of the owner to so transmit them; or (iii) transmit or post any Submissions that infringe on any Intellectual Property Rights (as defined below) of others or violates the privacy or rights of publicity of others. Furthermore, unless otherwise expressly provided, you acknowledge and agree that: (a) all Submissions shall become property of Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions; (b) Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions has the right to publish the Submissions for any type of use including for promotional and advertising purposes, in accordance with the terms set forth in the Privacy Policy, without compensation to you of any kind; (c) any Submissions that you submit to any part of the Site are non-confidential for all purposes; and (d) that if you make any such Submission, you automatically grant, represent and warrant that the owner of such content has expressly granted Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions a royalty-free, perpetual, irrevocable, world-wide exclusive license to use the Submissions in any manner, media or form now known or hereafter developed. Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions shall have the right to sublicense its rights. The term “Intellectual Property Rights” shall mean, collectively, rights under patent, trademark, copyright and trade secret laws, and any other intellectual property or proprietary rights recognized in any country or jurisdiction worldwide, including, without limitation, moral rights and similar rights. (h) Ownership. Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions puts a lot of content on the Site for you to examine from time to time including, without limitation, text, graphics, photographs, pictures, drawings, animation, audio, video, literature and any other material distributed by Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions on, through or in connection with the Site. Moreover, Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions attempts to display the content in a way that will be easily accessible and useful for you, the user. All content and materials on the Site including, without limitation, text, graphics, logos, button icons, images, audio clips and software included in the Site and any services offered on the Site, are the property of Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions, its sponsors or business affiliates, and/or their respective licensors, and are subject to U.S. and international Intellectual Property Rights laws. The compilation of all content on the Site is the exclusive property of Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions and is protected by U.S. and international copyright laws. All software used on the Site is the property of Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions or its licensors and is subject to U.S. and international copyright laws. Except to the minimum extent otherwise expressly permitted under copyright law, no copying or exploitation of material from the Site is permitted except expressly in accordance with these Terms or with the express written permission of Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions and any other applicable copyright owner. You acknowledge that you do not acquire any ownership rights by virtue of downloading copyrighted material from the Site. All rights not expressly granted hereunder are expressly reserved to Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions.

WARRANTY DISCLAIMER THE CONTENT, SERVICES, INFORMATION AND ACCESS TO THE SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY AND NONINFRINGEMENT. QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS DOES NOT WARRANT THAT ANY PART OF THE SITE WILL OPERATE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT TRANSMISSION TO OR FROM THE SITE AND ACCESS TO THE SITE WILL BE UNINTERRUPTED, CONTINUOUS OR ERROR-FREE. QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE IN TERMS OF ITS QUALITY, CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU SHOULD THEREFORE VERIFY ANY INFORMATION OBTAINED FROM THE SITE BEFORE ACTING ON IT. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED, QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS EXPRESSLY DISCLAIMS ANY RESPONSIBILITY FOR THE ACCURACY, CONTENT, AVAILABILITY OF INFORMATION, PRODUCTS, SERVICES OR MERCHANDISE FOUND ON THIRD PARTY SITES THAT LINK TO OR FROM THE SITE. QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS DISCLAIMS ANY RESPONSIBILITY FOR PRODUCT OR SERVICE ORDERING FUNCTIONS, ORDER FULFILLMENT OR COMPLIANCE OF PRODUCTS OR SERVICES WITH ANY MANUFACTURER’S WARRANTIES OR SPECIFICATIONS. QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS CANNOT BE HELD RESPONSIBLE FOR THE MATERIAL CONTAINED ON THIRD PARTY SITES AND/OR RELATED SERVICES NOR DOES QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS MAKE ANY REPRESENTATIONS OR WARRANTIES AS TO THE SECURITY OF ANY INFORMATION YOU MIGHT BE REQUESTED TO GIVE TO THIRD PARTY SITES.

LIMITATION OF LIABILITY YOUR USE OF THE SITE IS AT YOUR OWN RISK. TO THE FURTHEST EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES INCLUDING, WITHOUT LIMITATION, QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS’ NEGLIGENCE, SHALL QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS, ITS AFFILIATES, RELATED ENTITIES, VENDORS OR CONTENT PROVIDERS, BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES INCLUDING, WITHOUT LIMITATION, DIRECT, SPECIAL, INDIRECT, PUNITIVE, CONSEQUENTIAL, EXEMPLARY AND/OR INCIDENTAL DAMAGES THAT RESULT FROM YOUR USE OR INABILITY TO USE THE SITE, ANY CONTENT AND/OR ANY RELATED SOFTWARE, EVEN IF MOB MEDIA, INC. OR AN AUTHORIZED QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING ELSE CONTAINED IN THESE TERMS, IN THE EVENT THE TERMS OF THIS SECTION, OR ANY PART OF THIS SECTION, SHALL BE HELD INVALID OR UNENFORCEABLE BY A COURT OF COMPETENT JURISDICTION, IN NO EVENT SHALL QUOTE SELECTION INSURANCE SERVICES DBA COLLECTIVE:CHOICE INSURANCE SOLUTIONS ’ TOTAL LIABILITY TO YOU, OR ANYONE CLAIMING BY OR THROUGH YOU, FOR ANY DAMAGES, LOSSES, CLAIMS AND/OR CAUSES OF ACTION, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE EXCEED ONE HUNDRED DOLLARS ($100).

INDEMNIFICATION You shall indemnify, defend and hold harmless Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions DBA Collective:Choice Insurance Solutions and its sponsors, business affiliates, vendors, content providers, subsidiaries, related entities, affiliates, officers, directors, employees, attorneys and agents, from and against any and all damages, claims and actions brought by you or any third party resulting from your use of the site in violation of these terms or the infringement by you of any intellectual property rights of any person or entity.

GOVERNING LAW AND ARBITRATION The laws of the State of California (excluding any principles of conflicts of laws) govern your use of the Site, the services, and these Terms. You agree that the parties shall settle any claim or dispute relating to these Terms by binding arbitration in Orange County, California under the Commercial Arbitration Rules of the American Arbitration Association. To the fullest extent permitted by applicable law, no arbitration under these Terms shall be joined to an arbitration involving any other party subject to these Terms, whether through class arbitration proceedings or otherwise. NOTWITHSTANDING THE DISPUTE RESOLUTION REQUIREMENTS SET FORTH ABOVE, FOR ANY INJUNCTIVE RELIEF RELATING TO YOUR ACCESS TO, OR USE OF, THE SITE INCLUDING, WITHOUT LIMITATION, RELATED SERVICES, YOU AGREE AND HEREBY SUBMIT TO THE EXCLUSIVE JURISDICTION AND VENUE OF THE APPROPRIATE STATE OR FEDERAL COURTS LOCATED IN ORANGE COUNTY, CALIFORNIA, U.S.A.

WAIVER AND SEVERABILITY Furthermore, no delay or omission by Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions to exercise any right or any noncompliance on your part with respect to the Terms shall impair any such right or be construed to be a waiver by Quote Selection Insurance Services DBA Collective:Choice Insurance Solutions. If any provision of the Terms is found by a court of competent jurisdiction to be invalid or unenforceable in whole or in part, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction, provided, however, if such invalid or unenforceable provision may be modified so as to be valid and enforceable as a matter of law, such provision will be deemed to have been modified so as to be valid and enforceable to the maximum extent permitted by law.

CONTRACT ELECTRONICALLY You agree that the Terms, combined with your act of using the Site and/or the services offered on or through the Site have the same legal force and effect as a written contract with your written signature and satisfy any laws that require a writing or signature, including any applicable Statute of Frauds. You further agree that you shall not challenge the validity, enforceability or admissibility of the Terms on the grounds that it was electronically transmitted or authorized. In addition, you acknowledge that you have had the opportunity to print the Terms.

You agree to the terms and conditions: https://www.coveredca.com/privacy/terms/

You are about to start an application for health insurance through Covered California or for benefits through the Department of Health Care Services (DHCS). The personal and medical information you provide on it is private and confidential. Covered California or the DHCS needs it to identify you and the other people on this application and to administer their programs. Your information will be shared with other state, federal, and local agencies, contractors, health plans, and programs only to enroll you in a plan or program or to administer programs, and with other state and federal agencies as required by law. If your application is missing anything that we require, we will contact you to get it. Specific information is required in order to process your application. If you do not provide it, Covered California will not be able to make a decision on your application. You may have to submit a new application, or you may not be able to get health insurance through Covered California, or your application for benefits may be denied. In most cases, you have the right to see personal information about you that is in federal and state records.

I agree to receive text messages and calls about my health care coverage from Covered California and/or Collective:Choice Insurance Solutions.

I consent to receive auto dialed and pre-recorded calls and/or text/SMS messages at the telephone number I provided (including my cell phone number), from or on behalf of Covered California and/or Collective:Choice Insurance Solutions.

I understand that message and data rates may apply.

By clicking “Okay”, you acknowledge that Collective:Choice Insurance Solutions is your insurance agency of record and authorize Collective:Choice Insurance Solutions to act in that capacity. Collective:Choice will have access to the personally identifiable information that you provide in order to complete the eligibility and enrollment process. For further information, please contact Collective:Choice Insurance Solutions directly. Click “Cancel” if you do not authorize Collective:Choice Insurance Solutions to be your agent of record and have access to personally identifying information that you provide to complete the eligibility and enrollment process. Otherwise, please click “okay” to continue.”

Agreement for Binding Arbitration

For each person who selects a Covered California plan:

I understand that every participating health plan has its own rules for resolving disputes or claims, including, but not limited to, any claim asserted by me, my enrolled dependents, heirs, or authorized representatives against a health plan, any contracted health care providers, administrators, or other associated parties, about the membership in the health plan, the coverage for, or the delivery of, services or items, medical or hospital malpractice (a claim that medical services were unnecessary or unauthorized or were improperly, negligently, or incompetently rendered), or premises liability. I understand that, if I select a health plan that requires binding arbitration to resolve disputes, I accept, and agree to, the use of binding arbitration to resolve disputes or claims (except for Small Claims Court cases and claims that cannot be subject to binding arbitration under governing law) and give up my right to a jury trial and cannot have the dispute decided in court, except as applicable law provides for judicial review of arbitration proceedings. I understand that the full arbitration provision for each participating health plan, if they have one, is in the health plan’s coverage document, which is available online at CoveredCA.com for my review, or, I can call Covered California at 1-800-300-1506 (TTY: 1-888-889-4500) for more information.

For each person who selects a Kaiser Medi-Cal health plan:

Notice of binding arbitration: I have read the plan description. I understand that Kaiser requires the use of binding neutral arbitration to resolve certain disputes. This includes disputes about whether the right medical treatment was provided (called medical malpractice) and other disputes relating to benefits or the delivery of services, including whether any medical services provided were unnecessary or unauthorized, or were improperly, negligently, or incompetently rendered. If I pick Kaiser as my Medi-Cal health plan, I give up my constitutional right to a jury or court trial for those certain disputes. I also agree to use binding neutral arbitration to resolve those certain disputes. I do not give up my right to a state hearing of any issue, which is subject to the state hearing process.