Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern the Pravo Network, Inc.’s relationship with you in relation to this website.
The term “Pravo Network, Inc.” or “us” or “we” or “our” refers to the owner of the website whose registered office is 9201 Garland Road, #1008, Dallas, TX 75218. The term “you” refers to the user or viewer of our website.
1. Acceptance of Agreement
You agree to the terms and conditions outlined in this Terms of Use Agreement (“Agreement”) with respect to our site (the “Site”). This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content, products or services provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to using the Site.
2. Copyright.
The text, data, content, organization, images, graphics, design, software (including the underlying source and object codes), digital conversion and any other materials included in or related to the Site are our property and are protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property). The collection, arrangement and assembly of all content on the Site is copyrighted as a “collective work” under the United States Copyright Laws and we own a copyright in the selection, coordination, arrangement and enhancement of such content. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed by Section 4, is strictly prohibited. You may not modify, remove, delete, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any content. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials.
3. Trademarks and Service Marks
The registered and unregistered trademarks, service marks and logos that are used and displayed on the Site (the “Trademarks”) are owned by us, our affiliates or others. You should not construe anything on the Site as granting expressly, by implication, estoppel or otherwise, any license or right to use any Trademark. Without limiting the foregoing, you may not use the Trademarks (a) to identify products or services that are not affiliated with us; (b) in any manner likely to cause confusion; (c) in or as part of your own trademarks; (d) in a manner that implies that we sponsor or endorse your products or services; or (e) in any manner that disparages or discredits us.
4. Limited Right to Use
You may use the content and software on the Site as an information resource only. The viewing, printing or downloading of any content, graphic, form or document from the Site grants you only a limited, nonexclusive license for your sole personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use (but not for resale or redistribution). You may not modify any of the information contained on the Site and may not remove any copyright, trademark or other proprietary notices related to such content. The license granted under this section does not extend to any content owned by third parties and our licensors. Any use of the Site not described herein is strictly prohibited. Without limiting the generality of the foregoing, you are expressly prohibited from: (i) sublicensing or reselling any of the content, database or information included on the Site including, but not limited to, any insurance agent or agency information and contact information; (ii) using, or allowing third parties to use, the content, database or information for the purpose of compiling, enhancing, verifying, supplementing, adding to, or deleting from any compilation of information which is included on the Site; (iii) using the information on the Site in any service or product or for any purpose not specifically authorized under this Agreement or the Policy or offering it through any third party; or (iv) disassembling, decompiling, reverse engineering, modifying or otherwise altering the information, the Site or any part thereof without our prior written consent, which consent may be withheld in our sole discretion.
5. No Legal, Financial or Insurance Advice
We do not provide legal advice, financial advice or insurance advice. The content of the pages of this website is for your general information and use only. General information and use can include research and entertainment. Information contained on or made available through the Site is not intended to be and does not constitute legal advice, recommendations, mediation or counseling under any circumstance and no attorney-client relationship is formed. The Pravo Network, Inc. is not an insurance company, brokerage or agency. We do not sell insurance.
6. Site Information
The Site provides information regarding obtaining insurance quotes and information to help you make informed decisions regarding your insurance. Any information provided to the Pravo Network, Inc. including your request for quote, contact information and any other information you provide to Us is subject to our Privacy Policy in addition to these Terms and Conditions. We do not guarantee that an insurance agent will contact you or provide you with a quote. We do not guarantee your acceptance by any insurance company for coverage. Neither We nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the quote. If you have not been contacted by an agent or are unsatisfied with your quote you can request to be contacted by additional agents in order to receive more quotes. There is no charge for your usage of this site or for submitting requests for quotes. We reserve the right to refuse any application for quote that may be offensive, inaccurate, inappropriate, misleading, unlawful, and fake or in any way violates these Terms and Conditions. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
7. Advertisers
The Site may contain advertising and sponsorships. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Site is accurate and complies with applicable laws. We are not responsible for the illegality or any error, inaccuracy or problem in the advertiser’s or sponsor’s materials.
8. Listings
The Site may contain listings by individuals and companies providing insurance services and other services related to insurance. We are not responsible for the illegality or any error, inaccuracy or problem in the listings whether they are paid or non-paid listings. All listings require a license number issued by the state insurance department where the individual or company is licensed to sell insurance. Any listing with an inaccurate license number will be suspended from the Site at our discretion and without notice. Any listing with an inaccurate email address will be suspended from the Site at our discretion and without notice. We will attempt to notify the listing contact of a suspended listing via email or phone. After reasonable attempts to notify the listing contact of suspended listing, if the listing problem is not corrected the listing will be removed permanently.
9. Registration
Certain sections of, or offerings from, the Site may require you to register. If registration is requested, you agree to provide us with accurate, complete registration information. Your registration must be done using your real name and accurate information. Each registration is for your or your employer’s use only and not on behalf of any other person or entity. Any registration found to include inaccurate information will be removed at our discretion and without notice. We will attempt to notify a suspended listing owner via email or phone. After reasonable attempts to notify listing owner of suspended listing, if the listing problem is not corrected the listing will be removed. Any unauthorized use of registered sections is prohibited.
10. Third Party Content
Third party content may appear on the Site or may be accessible via links from the Site. We are not responsible for and assume no liability for any mistakes, misstatements of insurance or law, defamation, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content on the Site. You understand that the information and opinions in the third party content represent solely the thoughts of the author and is neither endorsed by nor does it necessarily reflect our belief.
11. Linking to the Site
You may create a link to this website from another website or document as long as written notification via email or mail provides the Pravo Network, Inc. with the location of the referring link. You must remove any link from another website or document if the Pravo Network, Inc. requests the link to be removed.
12. Errors, Corrections and Changes
We do not represent or warrant that the Site will be free of errors, free of viruses or other harmful components, or that defect will be corrected. We do not represent or warrant that the information available on or through the Site will be correct, accurate, timely or otherwise reliable. We may make changes to the features, functionality or content of the Site at any time. We reserve the right at our discretion to edit or delete any documents, information or other content appearing on the Site.
13. Unlawful Activity
We reserve the right to investigate complaints or reported violations of this Agreement and to take any action we deep appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email address, usage history, posted materials, IP addresses and traffic information.
14. Indemnification
You agree to indemnify, defend and hold the Pravo Network, Inc., its directors, officers, employees, associates, partners, affiliates, advertisers, agents, contractors or any third party affiliated with us directly or indirectly harmless from any liability, loss, claim or expense, including attorney’s fees related to any damages whether directly or indirectly related to the use or misuse of this website and any web site within the Pravo Network, Inc. network.
15. Nontransferable
Your right to use the Site is not transferable or assignable. Any password or right given to you to obtain information or documents is not transferable or assignable.
16. Disclaimer
THE INFORMATION AVAILABLE FROM OR THROUGH THE SITE IS PROVIDED “AS-IS” AND ON AN “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED AS TO THE USE OR OPERATION OF THE SITE, THE QUALITY OF THE PRODUCTS, OR THE CORRECTNESS, ACCURACY OR RELIABILITY OF THE INFORMATION AVAILABLE THROUGH THE SITE. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED RELATED TO THE SITE AND/OR ANY PRODUCTS SOLD THROUGH THE SITE (INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). WE ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. The negation of damages set forth above are fundamental elements of the basis of the bargain between us and you. This Site, the products, and the information would not be provided without such limitations. No advice or information, whether oral or written, obtained by you from us through the Site shall create any warranty, representation or guarantee not expressly stated in this Agreement.
17. Transmission if Information
You acknowledge and understand that we cannot control the flow of information to or from the Site to other portions of the internet. Such flow of information depends in large part on the performance of internet services provided or controlled by third parties. At times, actions or inactions caused by the third parties can produce situations in which your connection to the Site (or portions thereof) or the information contained on the Site may be impaired or disrupted. Although we will use commercially reasonable efforts to take actions which we deem appropriate to remedy and avoid such events, we cannot guarantee that such events will not occur. ACCORDINGLY, WE DISCLAIM ANY AND ALL LIABILITY RESULTING FROM OR RELATED TO SUCH EVENTS.
18. Termination
We reserve the right, in our sole discretion, to immediately and without notice suspend or terminate your registration or ability to access the Site or any other service provided to you by us upon any breach by you of the Agreement or the Policy or upon your demonstration of conduct that we determine to be inappropriate.
19. Use of Information
We reserve the right, and you authorize us, to the use and assignment of all information regarding Site uses by you and all information provided by you in any manner consistent with our Privacy Policy. All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, a “Submission”) will forever be our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations. Without limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.
20. Third Party Services
We may allow access to or advertise certain third-party product or service providers (“Merchants”) from which you may purchase certain goods or services. You understand that we do not operate or control the products or services offered by Merchants. Merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. We are not a party to the transactions entered into between you and Merchants. You agree that use of or purchase from such Merchants is AT YOUR SOLE RISK AND IS WITHOUT WARRANTIES OR ANY KIND BY US, EXPRESSED, OR IMPLIED OR OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANT ABILITY OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES ARE WE LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND MERCHANTS OR FOR ANY INFORMATION APPEARING ON MERCHANT SITES OR ANY OTHER SITE LINKED TO OUR SITE. All rules, policies (including privacy policies) and operating procedures of Merchants will apply to you while on any Merchant sites. We are not responsible for information provided by you to Merchants. We and the Merchants are independent contractors and neither party has authority to make any representations or commitments on behalf of the other.
21. Privacy Policy
Our Privacy Policy, as it may change from time to time, is a part of this Agreement. You must review this Privacy Policy.
22. Purchasing Policy
You represent and warrant that if you are purchasing something from us or from Merchants that any credit information you supply is true and complete, charges incurred by you will be honored by your credit card company, and you will pay the charges incurred by you at the posted prices, including any applicable taxes.
23. Refund Policy
To the extent that you purchase goods or services directly from us, we will refund your purchase price within 10 days of you notifying us in writing your desire for the refund, together with the reason for the request. Please note, however, that certain products and services mentioned on our site are sold by third parties or are linked to third party Web sites, and we have no responsibility or liability for those products or services. You may request a refund by contacting us by email at refund@pravonetwork.com. You may obtain additional information concerning our refund and return policy, including our mailing address, by contacting us at refund@pravonetwork.com.
24. Information and Press Releases
The Site contains information and press releases about us and third party entities. We disclaim any duty or obligation to update this information or any press releases. Information about companies other than ours contained in the press release or otherwise, should not be relied upon as being provided or endorsed by us.
25. Legal Compliance
You agree to comply with all applicable domestic and international laws, statues, ordinances and regulations regarding your use of the Site and the Content and Materials provided therein. Your use of this website and any dispute arising out of such use of the website is subject to the laws of the State of Texas.
