Customer Portal Terms
Last revised October 25, 2023
These are the terms and conditions (“Terms”) that govern your use of our website, customer portal, mobile applications, and related online systems and tools (collectively, our “Website”) and any other services offered by us (“Services”).
When we refer to “we”, “us”, or “our” we mean Boundless Rider Insurance Agency, LLC or any other affiliated company which includes MileUp, Inc., our parent company, as well as our insurance carrier partners including Redpoint County Mutual Insurance Company, Incline Casualty Company, and their respective re-insurance partners.
When we refer to “you”, “your”, or “user”, we mean the person accessing our Website. If the person accessing our Website does so on behalf of, or for the purposes of, another person, including a business or other organization, “you” or “your” also means that other person, including such business organization.
By your accessing our Website, your continued use of our Website, and/or your downloading materials from our Website, you agree to abide by these Terms. If you do not agree to abide by these Terms, do not use our Website or download materials from our Website.
Use of Our Website
Only authorized users may use our Website, and specifically the customer portal section of our Website. You can only be an authorized user of the customer portal if you have either (i) purchased an insurance policy from us, (ii) received a quote for the purchase of insurance from us that has been stored in our customer portal, or (iii) are a user of one of our other Services.
Authorized users may only use our Website in accordance with the Terms. No other use of our Website is permitted.
If you are not an authorized user, you must IMMEDIATELY STOP your use of our Website and you MAY NOT use our Website for any purpose going forward.
Electronic Records Policy Found on Our Website
We transact business by electronic means. We deliver documents to you electronically (such as by email) and by having you sign documents to purchase electronically. Information related to these processes can be found in our Electronic Records Policy which is separate and additional to these Terms.
We reserve the right, at our sole discretion and without any notice, to change, modify, add, or remove any portion of our Electronic Records Policy at any time. Changes in our Electronic Records Policy will be effective when the revised Electronic Records Policy is posted on our Website and/or otherwise communicated to you. Your continued use of our Website after the posting and/or delivery of revised Electronic Records Policy containing any changes to these Electronic Records Policy will be considered acceptance of those changes. PLEASE READ OUR ELECTRONIC RECORDS POLICY EVERY TIME YOU ACCESS OUR WEBSITE TO MAKE SURE THAT YOU CONTINUE TO AGREE TO ALL TERMS OF OUR ELECTRONIC RECORDS POLICY AS UPDATED TO DATE.
Insurance State Sale Limitations
Our Website is operated from the US for the purpose of sales of insurance and serving agents and customers only in those states within our states of operation where we are authorized to advertise and sell insurance. We make no assertion that our policies are available for sale in every state or territories in the US. You can find our most up-to-date listing of states for the sale of our insurance products on our Website here. Our Website is operating to support our policyholders only within the states we are authorized to sell insurance.
Website General Information
As with all financial matters, you should exercise great care in using the information provided on our Website or available through hyperlinks from our Website. Nothing on our Website should be construed as rendering tax, legal, investment, or accounting advice.
Our Website May Provide Quotes
As you use our Website, we collect information from you to provide you with an insurance quote. As we develop your quote, we rely on you providing to us accurate and truthful answers to our questions. We may use available third-party sources to verify certain information you provide if you decide to purchase an insurance policy from us. This includes information related to driver records, credit-based consumer information, and other materials.
When we provide an online quote it is a price estimate ONLY. Any such estimate is subject to change when we are given the opportunity to validate the information you submit to us and determine whether you may be eligible for additional discounts, elect different insurance coverages, or payment terms and calculate your actual premiums.
When we provide you a quote there may be other coverages available. Our quote may not match your current coverages and/or your current deductibles. While reviewing your options and quotes, you can call Customer Success Team at (800) 814-7231 if you have any questions or your local independent agent.
When you pay in installments, each installment is subject to an additional fee.
The Insurance Policy Controls if Information is Different from Our Website
The complete policy documentation contains the terms and conditions of any insurance sold by our Website. The information available on our Website relating to insurance coverage is only there for informational purposes, and are not intended to be, and should not be construed as legally binding upon the Company. You should always refer back to your complete policy documentation when considering coverage specifics not our Website.
There is no insurance coverage provided to you without a written binder. Your submission of answers to a quote or form on our Website acts only as a request for information – it does not constitute a binding coverage agreement.
Rates, discounts, coverage terms and availability are determined state by state and/or territory, and are only available all specifically approved by the relevant state or territory regulatory authority. Our Website may not and does not alter any of the terms and conditions of any insurance policy and specific coverage. For example, policy documentation may be updated with new rates, additional coverages or removing and/or modifying coverage since our Website was first published. The issuing, renewal, or cancellation of any insurance policy, policy terms and conditions, and rates are subject to underwriting review.
Intellectual Property Found on Our Website
Except where identified on our Website, all materials contained in our Website are either the property of us or used specifically with permission by us, and are protected by federal and state intellectual property and copyright laws. This includes, but is not limited to, all graphics, site design, text, software, audio, video, and pictures, contained on our Website.
We reserve any and all rights in and too all of these materials. You are authorized to view and download materials from our Website for marketing purposes as part of the solicitation of insurance as provided in these Terms. You do NOT acquire any proprietary rights, including any license rights, title, or interest in the materials on our Website and no rights are transferred by your downloading of any such materials or otherwise. In the event you make any copy of the materials on our Website, whether physical or electronic, (i) any and all such copies MUST maintain the restrictions on them as they are published on our Website and further; (ii) you may NOT remove or alter in any fashion the copyright and/or other notices contained on the materials on our Website; and (iii) except as expressly provided to you in these Terms, you may NOT modify, reproduce, display, perform, distribute, transfer, license, sell, summarize, make derivate works from, or otherwise use the materials on our Website to any other person for any purpose whatsoever whether such actions are taken for profit or potential profit or otherwise.
You have not been given, nor by these Terms or the publishing of materials on our Website are you or have you been given, any license or right to use any of the trademarks, service marks, trade names, logos, icons, domain names, and any other similar reference materials used by us in the sale of our products and Services (collectively, our “Marks”), without our explicit and specific prior written permission and/or the written permission of the entity who owns the specific Marks in question. You shall not modify, publish, reproduce, republish, create derivative works from, copy, upload, post, transmit, distribute, or otherwise use any of our Website’s content whether part of the Marks or otherwise. Any use by you of any of the Marks is strictly prohibited except as explicitly provided for in these Terms and/or your producer agreement.
We retain the right to enforce all intellectual property rights related to our Marks.
We make no claim to the trademarks of others. Any and all trademarks of others are the property of their respective owners.
Copyrights and Other Intellectual Property
Our Website and its content contain copyrights owned by us or other third parties and all rights are reserved.
How You May Use Our Website
Our Website is to help you do business with us. We authorize you to use our Website for that purpose and no other.
You may not use our Website for any of the following purposes, which are some but not an exhaustive list of improper uses: (a) You may not use our Website in violation of any law or regulation, nor in a manner that is prohibited by a relevant law or regulation; (b) You may not use our Website misrepresenting yourself, using another person’s identity, using another person’s affiliation, otherwise impersonating someone else, or using another person’s login or other access credentials to our Website or any sub-system on our Website such as the customer portal; (c) You may not use our Website to access accounts you are not specifically authorized to access under the specific rights granted to you; (d) You may not access our Website to invade any persons privacy, including a consumer or a member of the general public or even a member of your family; (e) You may not access our Website to collect motor vehicle records or other information about an individual; (f) You may not access our Website for the purpose of infringing or misappropriating any of our Marks or other intellectual property rights, or those intellectual and/or proprietary rights of any third party; (g) You may not use our Website in an attempt to circumvent, violate, facilitate others in assisting or violating, the security protocols we have in place for the proper use of our Website, whether intentional or unintentional, whether negligently or not, whether for what you believe to be an appropriate purpose or not; (h) You may not use our Website to submit, transmit, store, or otherwise use malicious data or software including, without limitation, crawlers, web robots, spiders, wanderers, trojan horse, or other types of malware designed to cause damage, security breaches, or other threats to application security or otherwise limit the functionality of software, hardware, or computer and telecommunications equipment generally; (i) You may not use any material on our Website, the code that is used to create our Website, or any of our Marks on any other website or the building and preparation of any other website; and (j) You may not reverse engineer, decompile, or disassemble the code contained in our Website or any of the tools contain in our Website, such as on the customer portal.
Further, you may not use our Website to submit, post, share, spread, transmit, reproduce, distribute, or otherwise transfer knowingly false, misleading, defamatory, threatening, obscene, harassing, or otherwise unlawful information. You may not use our Website to take any action in an attempt to interrupt the operation of our Website, nor use any other system to do the same. You may not use our Website to attempt to gain unauthorized access to any other computer, computer system, network, server, or other similar computational system.
Personal Information You Enter on Our Website
In the use of our Website, you may present and/or submit information to us in order to consider the purchase of an insurance product or service or receive additional information about us and our products and/or Services. In the event you submit any “Personal Information” (which, for the purposes of these Terms shall include any “personal data”, “personal information”, “personally identifiable information”, “personal health information”, “nonpublic information”, and “Personal financial information”, as such terms may be defined by relevant and applicable federal and/or state consumer privacy and/or data security laws which control the collection, use, sharing, storing, transmission, and/or disclosure of personally identifiable information about an individual), you understand and agree that you must specifically have the authority from your customer to submit that information to us.
You represent, warrant, and covenant that you shall not submit to us by our Website or otherwise any Personal Information of any other third party that you do not have a right and license and/or authority to submit to us. All information submitted to us by our Website or otherwise, is submitted by you to us with a specific, irrevocable, worldwide, fully-paid, royalty-free license to use, reproduce, display, redisplay, publicly perform, disclose and track on our Website, prepare derivative works from, submit to third party data vendors, transmit and distribute such information as we see fit for whatever purposes we deem appropriate including for underwriting, issuing, and/or servicing the products and/or services we and our partners provide.
Access Our Website and Use of Your Login Credentials
You gain the right to use our Website and specifically the customer portal after we provide to you personal credentials in order for you personally to access the customer portal and for us to track your actions and your submission of information to us on our Website.
Our Website, our customer portal, the Marks, and other content we may provide to you contain confidential and/or proprietary information of us and other third parties. It also may contain your Personal Information either submitted by you or collected from third parties, and you should ensure the security of your access credentials to such information due to the sensitivity of such information.
As described elsewhere in these Terms, collection, submission, and use of Personal Information, and/or confidential and other proprietary may subject the user, collector, and/or submitter to federal and/or state civil and/or criminal penalties.
Only Legitimate Users May Access Our Website
You may not use our customer portal and other credential required aspects of our Website unless you are a legitimate user. If you are not a legitimate user, you may not use any aspect of our Website. You know whether you are a legitimate user if you have been approved by us specifically giving you access to our customer portal. Any such approval shall occur only after you have received credentials from us to access such non-general publicly available sections of our Website. Any other access to the customer portal and other non-general publicly available sections of our Website is specifically prohibited. We have the right, unconditionally, to discontinue, terminate, reject, limit, prohibit, downgrade access, or otherwise hamper any individuals access to our Website, in our sole discretion, for any reason.
What To Do to Notify Us of a Data Incident or Security Incident
If you become aware of a suspected or potential or actual data compromise or security incident, including a data breach, cybersecurity intrusion or event, to your credentials to access the customer portal we request you to notify us so we may take any appropriate action to validate and maintain the security of the customer portal and our Website generally for all users. This would apply to incident or potential incident impacting any Personal Information we may have shared with you or any system that you may have used to connect to our Website or other technology systems, or that could lead somehow impacting any such information or systems. We request you to report any such security incident to us by email to [email protected] and by telephone call to (800) 814-7231.
You are Responsible for All Actions Taken Using Your Login Credentials
Portions of our Website including specifically our customer portal operate as a secure portal, unavailable to the general public and only accessible using credentials specifically provided to each authorized user. Login credentials are controlled and accessible only by a single user and rely on a user maintaining the security of the individual’s email accounts. You as the individual user agree that you will not allow any other person to use your login credentials.
We STRONGLY recommend you use two-factor-authentication and/or similar factors to control access to your email account(s) and limit the potential of a nefarious person or entity using your email account to impersonate you.
YOU AGREE TO KEEP YOUR LOGIN CREDENTIALS CONFIDENTIAL. You agree not to share your login credentials with any other person or entity, and not to allow any other person or entity to use your login credentials. You have the ability at any time to reset access to your long credentials, it does not require engagement with us. If you have reason to believe that someone or entity has gained access to your login credentials, whether or not such person or entity has taken any action on using such login credentials, you must promptly notify us with sufficient detail in order for us to evaluate whether any action has been taken with such credentials, especially access to Personal Information. You may contact our Customer Success Team by email at [email protected] or by telephone at (800) 814-7231 if you have reason to believe either (i) someone has gained access to your login credentials, or (ii) someone has actually used your login credentials to access our Website.
You agree that it is commercially reasonable for us to assume that any action taken by a person using your login credentials is action taken by you personally. Specifically, you agree that every action taken from your customer portal account using your login credentials, such as e-signing documents, receiving notices, responding to notices, all data submitted, every transaction engaged, entered into, or approved, and every other action or omission using such login credentials were taken by you personally. As you have the ability to immediately reset your own login credentials, you agree that you retain any and all liability, even after notification to us of the possibility that someone had gained access to or was using your login credentials, to any action taken previously or going forward using your login credentials. You are entirely responsible for any activity taken including information distributed using your login credentials.
For the avoidance of doubt, IT IS A VIOLATION OF THESE TERMS FOR YOU TO ALLOW ANY OTHER PERSON OR ENTITY TO USE YOUR LOGIN CREDENTIALS TO ACCESS OUR WEBSITE AND SPECIFICALLY THE CUSTOMER PORTAL AND ANY OTHER SECURE PORTAL ON OUR WEBSITE.
We have the right, unconditionally, to discontinue, terminate, reject, limit, prohibit, downgrade access, or otherwise hamper the use of your login credentials without liability and specifically without prior notice to maintain the security of our Website, the customer portal, and any accounts and data contained therein, and for any other reason we determined, in our sole and exclusive discretion.
You are liable for any and all damages to us resulting from the use of your login credentials, including specifically for your failure to terminate any third parties continued use of your login credentials which you may reset at any time yourself, including, without limitation, when the user of your login credentials: takes any actions related to changes to your customer account; engage in a denial of service attempt; deletes, modifies, or creates data; makes unauthorized access or use of Personal Information, confidential and/or proprietary information, and or other data; submits, transmits, stores, or otherwise uses malicious data or software including, without limitation, crawlers, web robots, spiders, wanderers, trojan horse, or other types of malware designed to cause damage, security breaches, or other threats to application security or otherwise limit the functionality of software, hardware, or computer and telecommunications equipment generally; attempts to (or succeeds) reverse engineer, decompile, or disassemble the code contained in our Website or any of the tools contain in our Website, such as on the customer portal; submit, post, share, spread, transmit, reproduce, distribute, or otherwise transfer knowingly false, misleading, defamatory, threatening, obscene, harassing, or otherwise unlawful information; attempt to interrupt the operation of our Website, nor use any other system to do the same; attempt to gain unauthorized access to any other computer, computer system, network, server, or other similar computational system; any other action of unauthorized or improper use of your login credentials on our Website.
The Availability of Our Website and Changes to its Availability
We do not guarantee that our Website and specifically the customer portal shall be available for any set number of hours during any day, week, month, or during a relevant year. We reserve the right to alter, amend, change, pause, terminate, suspend, or otherwise discontinue the use of our Website or any portion thereof including the customer portal at any time, with or without prior notice. We reserve the right to restrict any person’s access, at our sole discretion, which may be exercised reasonably or unreasonably, without liability, to our Website or to any subset of our Website including the customer portal. We reserve the right to terminate any right, authority, or license we may give to you as part of these Terms.
Limitations of Actions
You agree that any claim related to your use of our Website must be brought within one (1) year from the time giving rise to the events from which the claim derived. No use of our Website nor shall these Terms serve to create or extend to any user any private claim or cause of action against us. For the avoidance of doubt, this does not control the rights of one of our policyholders where local jurisdictional regulations dictate otherwise.
By your using of our Website, you irrevocably consent to the Choice of Law, Venue, and Jurisdiction, and Dispute Resolution provisions of these Terms. For the avoidance of doubt, this does not control the rights of one of our policyholders who shall always have a right to bring a claim related to a policy within the jurisdiction where the policy was issued.
Disclaimers About Your Use of Our Website
EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, YOUR USE OF OUR WEBSITE IS CONDITIONED ON YOUR ACCEPTANCE THAT WE HEREBY DISCLAIM ANY AND ALL OTHER GUARANTEES OR WARRANTIES WITH RESPECT TO ANY LICENSE, CONTENT, MATERIALS, PRODUCT OR SERVICE PROVIDED ON OUR WEBSITE, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ESPECIALLY CONSIDERING THE PROPER OPERATION OF OUR WEBSITE RELIES ON THE ACCURACY OF THE INFORMATION SUPPLIED BY YOU AND NECESSARY THIRD PARTIES NOT UNDER OUR CONTROL. WE DO NOT WARRANT THE OPERATION OF THE LICENSES OR PRODUCTS AND SPECIFICALLY OUR WEBSITES TO BE UNINTERRUPTED OR ERROR-FREE, OR THAT ALL DEFICIENCIES OR ERRORS ARE CAPABLE OF BEING CORRECTED. WE DO NOT WARRANT THE THAT OUR WEBSITE WILL NOT HAVE A FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, COMPUTER VIRUS, DELAY IN OPERATION OR TRANSMISSION, OR LINE, SYSTEM, OR NETWORK FAILURE.
We do not guarantee that our Website will operate error free. We do not guarantee that our Website will not contain malicious code, a trojan horse, web robots, crawlers, wanderers, spiders, and the like, or other types of malware, viruses, destructive, and/or harmful data, software, or code. We do not warrant, and we specifically assume no liability for any damages, including to your computer equipment or other property, or lost profits or otherwise related to your use and/or access to our Website, downloading materials, audio, video, content, etc.
We do not run our Website on our own servers, instead we provide our Website and Services through the provision of networks and servers the use of which is purchased from third parties. Additionally, certain third parties provide certain additional services which are required in order for our Website to operate correctly. We do not warrant and assume no liability and responsibility as to whether such third-party services operate correctly, nor with respect to their privacy policies and procedures, and any content they may provide to us for use on our Website or otherwise.
In addition, for the more efficient use of our Website and to provide additional third-party services and content to you, our Website contains hyperlinks to third party entities and websites which are out of our control. We do not endorse or approve any such hyperlinks or websites to third parties whether or not they are specifically included on our Website. We do not warrant and assume no liability and responsibility for the content and the operational of any of those third‑party websites. Each of those websites provide their own terms, conditions, and specifically privacy policies relevant to any use of those third-party websites.
Limitation of Liability and No Jury Trials
IN NO EVENT WILL WE HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, GENERAL, SPECIAL, INCIDENTAL, COMPENSATORY, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR ANY RELATED SERVICE, REGARDLESS OF THE LEGAL THEORY ON WHICH ANY SUCH DAMAGES MAY BE BASED, WHETHER CONTRACT, TORT, OR OTHERWISE, INCLUDING WITHOUT LIMITATION, BODILY INJURY OR EMOTIONAL DISTRESS, AND WHETHER OR NOT WE HAVE BEEN ADVISED BY YOU OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING FOR DATA LOSS OR DATA CORRUPTION, OR LOST PROFITS, SERVICE INTERRUPTIONS, OR OTHERWISE. FURTHER, IN THE EVENT A COURT OR JURY DETERMINES ANY LIABILITY BY US RELATED TO YOUR USE OF OUR WEBSITE, YOU HEREBY AGREE THE MAXIMUM LIABILITY TO YOU BY US IN ANY DISPUTE BETWEEN THE PARTIES BROUGHT ON ANY CAUSE OF ACTION SHALL BE $100.00.
TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY HEREBY WAIVES ITS RIGHT TO A JURY TRIAL IN CONNECTION WITH ANY CLAIM OR CAUSE OF ACTION ARISING FROM OR RELATING TO THIS AGREEMENT OR THE SUBJECT MATTER HEREOF.
Alternative Dispute Resolution
In the event of any dispute, claim, question, or disagreement arising from or relating these Terms or the breach thereof, we and you agree to use their commercially reasonable best efforts to settle the dispute, claim, question, or disagreement. If we and you do not reach such solution within a period of sixty (60) days, then, upon notice by either party to the other, all disputes, claims, questions, or differences shall be finally settled by arbitration administered by the American Arbitration Association in accordance with the provisions of its Commercial Arbitration Rules. The arbitration hearing will be administered in English, by a panel residing in Boston, Massachusetts, and entered in, and enforced by, any court of competent jurisdiction.
Choice of Law, Jurisdiction, and Venue
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflicts of laws principles. The exclusive jurisdiction of any dispute related to these Terms or related in any fashion to your use of our Website shall be courts residing within Boston, Suffolk County, in The Commonwealth of Massachusetts.
You agree to indemnify, defend, and hold us harmless and any of our parents, subsidiaries, affiliates, successors and assigns, and the shareholders, directors, officers, agents and employees of any of them (collectively, the “Related Parties”) against any and all claims, demands, actions, proceedings, liability, losses, damages, judgments, costs and expenses, including, without limitation, reasonable third party attorneys’ fees, disbursements, court costs, and punitive, exemplary, or compensatory damages, suffered, made or instituted against or incurred (collectively, “Losses”) by us and/or any Related Party in any manner resulting from any dishonest, fraudulent, or negligent act, error, or omission committed, material breach of these Terms, your use of our Website, any relevant producer agreement, or your violation of any Marks or specifically any proprietary or intellectual property rights of a third party, in each case whether committed (or omission) by you. This indemnification requirement extends beyond your last use of our Website for a period of five (5) years.
If any provision of these Terms is determined to be invalid under or in conflict with the laws or regulations of any jurisdiction, the remainder of these Terms shall not be affected by said invalidity or conflict.
In the event we fail to exercise or enforce any right or provision of these Terms, it shall not be deemed a waiver of any such right or provision.
Software Tools to Best Use Our Websites
• Mac OS version Catalina 10.15 or higher
• iOS OS version 15 and higher
• Windows version 10 or higher
• Android version 10 or higher
• Apple Safari version 15 and higher
• Google Chrome version 107 and higher
• Mozilla Firefox version 113 and higher
• Microsoft Edge version 110 and higher
Document Distribution: We deliver documents using the Adobe Acrobat PDF format. We recommend that your computer has the latest available version of Adobe Acrobat Reader installed on the device.
Email: You will need to have a registered email account with sufficient storage capabilities to receive and retain large Adobe Acrobat PDF format files. Your email system should be calibrated to be able to open hyperlinked text within emails which we may send to you.
The Accessibility of Our Website
Our Website is designed to be readable and accessible for users of the general internet. If you have any difficulty using our Website, please contact our Customer Success Team by email at [email protected] or by telephone at (800) 814-7231.
Revisions to These Terms