Before accessing and using the Site, please read these Site Terms carefully because they constitute a legal agreement between Bubble and you. BY USING THE SITE, YOU AFFIRM THAT:
IMPORTANT NOTE: These Site Terms contain provisions that limit Bubble’s liability to you related to your use to your use of the Site and require you to resolve any dispute with us on an individual basis and not as part of any class or representative action. Please see DISCLAIMER OF WARRANTIES & LIMITATIONS OF LIABILITY (Section 7) and GOVERNING LAW; DISPUTE RESOLUTION(Section 9) below for more information.
1. Changes To Site Terms
The Effective Date of these Site Terms is set forth at the top of this webpage. As we add new features to the Site, we may modify these Site Terms. When we modify these Site Terms, we will update the Effective Date and, when reasonably possible, we also will provide you with advance written notice of our changes. We will not make changes that have a material retroactive effect unless we are required to do so by law or to protect the rights of other Site users. Your continued use of the Site after the Effective Date constitutes your acceptance of the amended Site Terms. The amended Site Terms supersede all previous versions of or agreements, notices or statements of or about the Site Terms. Any change to the dispute resolution will not apply to any dispute for which we have actual notice before the date the change is posted on the Site.
2. Additional Terms
Additional terms and conditions may apply to certain features of the Site. When presented to you, you must agree to the additional terms before using the features to which they apply. These Site Terms and the additional terms will apply equally unless an additional term is irrevocably inconsistent with these Site Terms, in which case the additional term will prevail but solely to the extent of the inconsistency.
We do not and cannot guarantee the security of information provided by you through the Site. You are responsible for using the precautions and security measures best suited for your situation and intended use of the Site. We reserve the right at all times to disclose any information as we deem necessary to satisfy any applicable law or government regulator’s request.
4. Bubble Content and Intellectual Property
The Site, including any information, graphic, artwork, text, video clip, audio clip, trademark, logo, and other content provided on or through the Site (collectively, "Bubble Content"), is owned by Bubble or its licensors and protected under foreign and domestic copyright, trademark and other laws. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form.
Bubble grants to you a nonexclusive, nontransferable, and limited license (without the right to sublicense) to access and use the Site and download, print, and/or copy Bubble Content solely for your own personal use to learn about Bubble and subject to these Site Terms. All rights not expressly granted herein are reserved by Bubble.
These Site Terms grant you only the limited rights described in these Site Terms. Nothing contained in these Site Terms grants by implication, estoppel or otherwise, any license or right in or to Bubble’s trademarks, logos or service marks (“Marks”), patents, trade secrets, or other intellectual property embodied in the Site. Unauthorized use of any of the Marks or our other intellectual property may violate the law.
5. Using The Site
5.1 Your Responsibilities: You may use the Site for lawful, non-commercial purposes only. You may not use the Site in any manner that could damage, disable, overburden or impair our servers or networks or interfere with any other party's use and enjoyment of the Site.
You may not attempt to gain unauthorized access to the Site or Bubble’s computer systems or networks through hacking, password mining or any other means. Without limiting any of the foregoing, you agree that you shall not (and you agree not to encourage or allow any third party to):
Bubble has the discretion to terminate your access to the Site without notice for any violation of the above rules.
You are solely responsible for any and all charges, fees, and other costs related to your use of the Site. If you access and use the Site on your smartphone, tablet or other mobile device, you agree that you are solely responsible for all charges that you incur from your Internet or mobile service provider.
5.2. Submissions. Bubble may from time to time offer areas in the Site where you and other users can post or otherwise submit suggestions, feedback, ideas, notes, concepts or other information or materials to or through the Site (collectively, "Submissions"). By sending, posting or transmitting Submissions to Bubble (and/or our designees) through the Site, you grant Bubble and our designees a worldwide, non-exclusive, sub-licensable (through multiple tiers), transferable, royalty-free, perpetual and irrevocable right to use, reproduce, sublicense (through multiple tiers), distribute, create derivative works of, perform and import your Submissions in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to you. In other words, Bubble has the automatic right to use your Submissions -- including reproducing, disclosing, publishing or broadcasting your Submissions -- in any medium and for any purpose. Under no circumstances are you entitled to payment if Bubble uses one of your Submissions. All Submissions are deemed non-confidential and non-proprietary.By posting a Submission, you represent and warrant that:
You acknowledge and agree that Bubble has the right (but not the obligation) to alter, remove or refuse to post or allow to be posted any Submission. Bubble takes no responsibility and assumes no liability for any Submission posted by you or any third party. Bubble is not responsible for information that you choose to communicate via Submissions.
6. Links To Other Websites And Services
The Site may contain links to third-party websites and services (collectively, “Linked Services”). Linked Services are not under the control of Bubble and Bubble is not responsible for Linked Services or for any information or materials on or any form of transmission received from Linked Services. Bubble Insurance has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. Bubble Insurance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit. You access Linked Services at your own risk. The inclusion of a link does not imply endorsement by Bubble of the Linked Services or any association with the operators of the Linked Services. Bubble does not investigate, verify or monitor the Linked Services.
7. Disclaimer or Warranties & Limitations of Liability
Bubble warrants that Bubble has validly entered into these Site Terms and has the legal power to do so. You warrant that you have validly entered into these Site Terms and have the legal power to do so.
EXCEPT AS EXPRESSLY PROVIDED ABOVE, THE SITE IS PROVIDED "AS IS" AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. Bubble specifically disclaims all warranties and conditions of any kind, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from defects, uninterrupted use and all warranties implied from any course of dealing or usage of trade. Bubble does not warrant that (a) the Site will meet your requirements, (b) operation of the Site will be uninterrupted or virus- or error-free or (c) errors will be corrected. Any oral or written advice provided by Bubble or its authorized agents does not and will not create any warranty. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES WHICH MEANS THAT SOME OR ALL OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.Your use of the Site is at your own risk.
YOU AGREE THAT RELAY IS NOT LIABLE FOR INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOSS OF USE, DATA OR PROFITS OR BUSINESS INTERRUPTION), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER ARISING IN ANY WAY IN CONNECTION WITH THESE SITE TERMS AND WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) EVEN IF RELAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. YOU ALSO AGREE THAT RELAY IS NOT LIABLE FOR ANY OTHER CLAIM, DEMAND OR DAMAGES WHATSOEVER RESULTING FROM OR ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE.THE DISCLAIMERS AND LIMITATIONS IN THIS SECTION 7 DO NOT PURPORT TO LIMIT LIABILITY OR ALTER ANY RIGHT THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW.
RELAY’S MAXIMUM LIABILITY FOR ANY TYPE OF DAMAGES ARISING FROM YOUR USE OF THE SITE IS LIMITED TO ONE HUNDRED DOLLARS ($100).You acknowledge and agree that the above limitations of liability together with the other provisions in these Site Terms that limit liability are essential terms and that Bubble would not grant you the rights set forth in these Site Terms but for your agreement to the above limitations of liability.
IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE YOUR RIGHTS WITH RESPECT TO CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR".
You agree to indemnify and defend Bubble and its directors, officers, employees and agents from and against all losses, liabilities, actual or pending claims, actions, damages, expenses, costs of defense and reasonable attorneys’ fees brought against Bubble by any third party arising from your Submissions, use of the Site in violation of these Site Terms or your actual or alleged violation of the rights of a third party or applicable law. Bubble reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification hereunder. No settlement that affects the rights or obligations of Bubble may be made without Bubble’s prior written approval.
9. Geographic Restrictions, Governing Law and Dispute Resolutions
These Terms shall be governed and construed in accordance with the laws of United States without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. The Site is controlled, operated and administered by Bubble from its offices within the United States and our policies and procedures are based on United States law. The Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law. Bubble does not in any manner warrant or represent that the Site, including any content contained thereon, is appropriate or available for use in any particular location. If you choose to access the Site, you do so on your own initiative and you are responsible for compliance with all applicable laws. Contents of the Site may be subject to export control laws. You shall not and shall not permit any third party to, directly or indirectly, export, re-export or release any part of the Site to, or make the Site accessible from, any jurisdiction to which export, re-export or release is prohibited by law. All matters related to the Site are also governed by the internal laws of of the State of California as such laws apply to agreements made and performed therein (without giving effect to the principles of conflicts of laws). You and Bubble agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.
YOU AND Bubble AGREE THAT EACH MAY BRING claims against the other only on an individual basis and not as a plaintiff or class member in any PURPORTED class or representative action or proceeding.
10. Electronic Contracting
11. No Sale, Solicitation or Negotiation of Insurance or Reinsurance
**Bubble Insurance Solutions (“Bubble”) is a general agent for insurance companies, such as PacLife, SBLI, Stillwater and Symetra. Bubble is licensed as a home and life insurance agency in CA, AZ, NJ, VA and NC. Availability and qualification for coverage, terms, rates and discounts may vary by jurisdiction.
Bubble does not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Any estimated premium savings are based on comparisons of state filed rates of Bubble’s partner-carrier prices to average industry prices. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
The premium estimates and coverage limits outlined in this quote are based upon the accuracy of the information you provide and may not represent all coverages available.
These informational statements are provided as general descriptions only. Policy coverage, limits, and deductibles are determined based on your individual selections. The availability of coverage does not imply that each policy contains any or all of these coverages.
Stillwater Insurance Group, Pacific Life Insurance Company, SBLI and Symetra issue our insurance products. By applying for insurance products through the Site, you are agreeing to (1) designate us as your agent of record, (2) authorize us to communicate such designation to any insurance carrier, your prior insurance producer, and any other person or entity we determine should be advised, and (3) permit us to receive any compensation that any insurance carrier agrees to pay to us in connection with your purchase of insurance products. With respect to any insurance product, if any term or condition of these Terms differ from the terms and conditions of the policy, the policy’s provisions will control.
13. Prohibited Activities
You agree that you will not: (i) register for an account on behalf of somebody other than yourself, (ii) impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity, (iii) use or attempt to use another’s account without authorization from that person and us, (iv) copy, distribute, or disclose any part of the Site in any medium, including without limitation by any automated or non-automated “scraping”, (v) use any automated system, including without limitation “robots,” “spiders,” “offline readers,” etc., to access the Site in a manner that sends more request messages to our servers than a human can reasonably produce in the same period of time by using a conventional on-line web browser (except that we grant the operators of public search engines revocable permission to use spiders to copy publicly available materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials), (vi) transmit spam, chain letters, or other unsolicited email, (vii) attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Site, (viii) take any action that may impose an unreasonable or disproportionately large load on our infrastructure, as determined by us, (ix) upload invalid data, viruses, worms, or other software agents through the Site, (vii) collect or harvest any personally identifiable information, including account names, from the Site, (x) use the Site for any commercial solicitation purposes, (xi) use the Site in order to obtain information about us, the Site, or our customers for the purpose of competing with us or otherwise replicating some or all of the Site for any reason, (xii) interfere with the proper working of the Site, (xiii) access any content on the Site through any technology or means other than those provided or authorized by the Site, or (xiv) bypass the measures we may use to prevent or restrict access to the Site, including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Site or the content.
These Site Terms automatically terminate when you fail to comply with any term or condition of them. Bubble may terminate the Site or modify your access to the Site, with or without notice to you, at any time for any reason. For example, Bubble may prohibit your use of the Site if Bubble believes that you are a minor. Termination will not limit any of Bubble’s other rights or remedies. Sections 4, 8, 9, 10, 0, 14 and 15, as well as any other provision that must survive in order to give proper effect to the intent and purpose of these Site Terms, shall survive termination.
15. Claims of Copyright Infringement
We respond to notices of alleged infringement as required by the U.S. Digital Millennium Copyright Act (“DMCA”) or any other similar applicable law, including by removing or disabling access to material claimed to be the subject of infringing activity. If you have a good faith belief that your work has been copied in a way that constitutes copyright infringement or that your intellectual property rights otherwise have been violated in or through the Site, please send your claim or notice of infringement to our copyright agent at
Bubble Insurance Solutions d/b/a Bubble Technologies, Inc.
1401 21st St., Suite 4063
Sacramento, CA 95811
ATTN: Copyright Agent
By telephone: (833) 900-2822
Our copyright agent will only respond to notices and inquiries that comply with the requirements of the DMCA. Please see www.copyright.gov for more information.
Upon receipt of a notification complying with the DMCA, Bubble will take steps to remove or disable access to any infringing material and remove or disable access to any link to the infringing material. Notifications must include ALL of the following:
16. User Obligations and Authorizations
You do not need to register with us to visit and view the Site. However, to access certain password-protected areas of the Site and to apply for the products and services offered through the Site, you must register for an account. When registering for an account through the Site, you must provide accurate and complete information, and you must keep this information up to date. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify us immediately in the event you become aware of any breach of security or unauthorized use of your account. We will not be liable for any losses caused by any unauthorized use of your account. In order to access or use certain aspects of the Site, we may need your authorization to (i) collect information provided by you through the Site, including certain personal information, personal health information, signatures, data, passwords, usernames, PINs, and other information, materials, and content necessary for us to provide the products and services offered through the Site to you, and (ii) retrieve and manage information of yours maintained by certain third-party institutions (“Your Data”). You hereby grant us a non-exclusive, royalty-free license under any applicable intellectual property rights to use Your Data solely in connection with the provision of the products and services offered through the Site. You represent and warrant that the portion of Your Data you provide us is accurate and complete, and that you are authorized to submit it to us without any obligations on us, including but not limited to the payment of fees. We have no liability or other responsibility for inaccuracy or incompleteness, or your inability to use the Site due to such inaccuracy or incompleteness. You are and will be responsible for the consequences of any instructions you provide us and that we follow. You hereby authorize us to: (i) store Your Data in accordance with applicable laws, and (ii) use any signatures or other materials you provide us in order to provide you the products and services offered through the Site.
2. These Site Terms inure to the benefit of and are binding on Bubble’s and your successors and assigns, respectively.
3. Bubble may assign these Site Terms to a successor in interest (in whole or in part) but you may not assign the Site Terms without the prior express written consent of Bubble. 4. If any provision of these Site Terms is or becomes unenforceable or invalid, the remaining provisions will continue with the same effect as if such unenforceable or invalid provision was not used.
5. If Bubble fails or you fail to perform any obligation under these Site Terms and the other party does not enforce such obligation, the failure to enforce on any occasion will not constitute a waiver of any obligation and will not prevent enforcement on any other occasion.
6. Nothing contained in these Site Terms creates a relationship or partnership, joint venture, or agency between Bubble and you.
7. If Bubble is or you are prevented from performing or unable to perform any obligation under these Site Terms due to any cause beyond the reasonable control of the party invoking this provision, the affected party's performance will be extended for the period of delay or inability to perform due to such cause.
8. Headings and captions are for convenience only.
Questions And Feedback
If you have questions or feedback about the Site or these Site Terms, please contact us at:
Bubble Insurance Solutions d/b/a Bubble Technologies, Inc.
1401 21st St., Suite 4063
Sacramento, CA 95811
ATTN: Legal Dept.