InsureBend Terms of Use
To view any updates or modifications to these Terms of Use and their effective dates, please scroll to the bottom of this page.
1. Parties
These Terms of Use are an agreement between you, the user, and InsureBend, owned by Central Financial Services of Oregon, LLC ("InsureBend"). Any references to "we," "us," "our," "this website," or "this site" refer to both InsureBend and Central Financial Services of Oregon, LLC.
2. Use and Restrictions
By accessing this website, you agree to comply with these Terms of Use and our Privacy Policy. You may use the public areas of this site solely for your personal, internal purposes. You must not attempt to access this site through any means other than the interface we provide, unless explicitly permitted through a separate agreement. The use of automated methods (such as scripts or web crawlers) to access this site is prohibited. Additionally, you agree not to:
Resell, sublicense, transfer, assign, or distribute this site, its services, or content.
Modify or create derivative works based on the site, its services, or content.
"Frame" or "mirror" the site, its services, or content on any other server or internet-enabled device.
All rights not expressly granted in these Terms are reserved by us and our licensors.
3. Modifications
We reserve the right to modify these Terms of Use at any time without prior notice. Any changes will be posted here, accessible through the Terms of Use link on our homepage. It is your responsibility to periodically review these Terms for any modifications. Your continued use of the site after any changes indicates your acceptance of the new Terms.
4. Monitoring
We may, but are not obligated to, monitor your use of this site. Such monitoring may involve recording or logging your activities as outlined in our Privacy Policy, which can be accessed via the Privacy Policy link on our homepage.
5. Separate Agreements
You may be required to agree to additional terms and conditions for certain products, services, or content available through this site.
6. Ownership
All content on this site is protected by applicable laws, including U.S. copyright law and international treaties. The copyrights and other intellectual property rights in the content are owned by us and/or our licensors. Except for the rights expressly granted in these Terms, all other rights are reserved.
7. Warranty Disclaimers
Unless expressly stated in a separate written agreement, all services, content, and products provided through this site are provided "as is." We and our licensors disclaim any warranties, whether express or implied, including but not limited to implied warranties of merchantability, completeness, timeliness, accuracy, non-infringement, or fitness for a particular purpose. We do not guarantee that the site, its services, or content will be secure, timely, uninterrupted, or error-free, or that it will meet your requirements or expectations. Additionally, we do not warrant that the site or its content will be free from viruses or harmful components.
Important Note: The information on this website does not constitute an offer to sell insurance. Insurance coverage cannot be bound or changed through this website. Any proposals provided will be based on the information you submit and the communication with our representatives.
8. Limitation of Liability
InsureBend and its licensors are not liable for any direct, indirect, punitive, special, exemplary, incidental, consequential, or other damages arising from your use of this site, its products, services, or content, regardless of the cause, even if we have been advised of the possibility of such damages.
9. Links to This Site
You are granted a limited, revocable, and nonexclusive right to create a hyperlink to this site, provided the link does not portray us, our products, or services in a false, misleading, derogatory, or otherwise offensive manner. You may not use any logo, trademark, or other proprietary graphic without our prior written consent.
10. Links to Third-Party Websites
We do not review or control third-party websites that link to or from this site, and are not responsible for their content. Your use of any third-party site is at your own risk and subject to the terms of use and privacy policies of those sites.
11. Participation in Promotions
Any correspondence or participation in promotions of advertisers on this site, including the purchase and delivery of products or services, is solely between you and the advertiser.
12. Consumer Rights Information (California Civil Code Section 1789.3)
If we charge for services, products, or content, pricing information will be provided during the ordering process. For inquiries or complaints regarding pricing, you can contact us at:
Central Financial Services of Oregon, LLC dba InsureBend
Email: henrik (AT) insurebend (DOT) com
Phone: (541) 382-6400
You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in California at 1020 N Street, #501, Sacramento, CA 95814, or by telephone at 1-916-445-1254.
13. Arbitration
Any disputes arising from these Terms will be resolved through binding arbitration under the rules of the American Arbitration Association (AAA). The arbitration will take place in Bend, Oregon, USA, and may be conducted via telephone or online. The decision of the arbitrator will be final and binding.
14. Jurisdiction and Venue
Legal proceedings that are not subject to arbitration will be resolved in the courts of Deschutes County, Oregon, USA.
15. Controlling Law
These Terms of Use shall be governed by the laws of the State of Oregon, USA, without regard to its conflict of law provisions.
16. Use Within the United States
This site is intended for use within the United States. We do not warrant that this site is appropriate for use outside the U.S.
17. Transfer of Personal Information
Any personal information collected will be stored and processed in the United States. By using this site, you consent to the transfer of personal information outside your country of residence to the United States.
18. Severability
If any provision of these Terms is deemed invalid or unenforceable, it will be modified to the extent necessary to make it valid and enforceable. The remainder of the Terms will remain in full force and effect.
19. Force Majeure
We are not liable for any delay or failure to perform due to circumstances beyond our control, including but not limited to natural disasters, acts of war, or internet disruptions.
20. Privacy
Please review our Privacy Policy, which also governs your use of this site and is accessible on our homepage.