DISCLAIMER AND USER AGREEMENT

INSURANCE PRICE NOW.COM (“IPN.COM”) is an insurance information service that brings together prospective insurance Buyers (“User”) with qualified Sellers of such products.  IPN.COM is not an insurance or annuity broker.  BY USING THIS WEBSITE AND SUBMITTING INFORMATION, YOU EXPRESSLY ACCEPT THE TERMS OF THIS DISCLAIMER. This is a legally binding agreement between you and IPN.COM; please read it carefully.

IPN.COM  is the sole owner of the information collected on this site. A User must provide contact information (such as name, email, and other contact means) and information regarding certain insurance products of interest. This information is used to research and secure an insurance provider qualified to serve User’s particular insurance interest.  Selected insurance agents will then contact Users to directly discuss the insurance product requested by User.

Despite IPN.COM’s efforts to provide Users with qualified insurance agents and products, before purchasing any particular insurance product, User should confirm with the insurance agent any information (including the price) that is important to User’s purchasing decision.  The price and other terms of any insurance product remains subject to direct negotiation between the User and the Seller.

IPN.COM IS NOT RESPONSIBLE FOR, AND DOES NOT GUARANTEE THE PERFORMANCE OF, ANY PRODUCTS OR SERVICES ULTIMATELY PURCHASED BY USER.  IPN.COM WILL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM A TRANSACTION CONSUMMATED, DIRECTLY OR INDIRECTLY, THROUGH ITS WEBSITE NOR WILL IT PARTICIPATE IN ANY DISPUTES BETWEEN A USER AND INSURANCE AGENT.

IPN.COM, INCLUDING ITS OWNERS, DIRECTORS AND AGENTS, CANNOT AND DO NOT WARRANT THE MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF ANY PRODUCT PURCHASED, DIRECTLY OR INDIRECTLY, THROUGH THIS WEBSITE (OR ANY INFORMATION, GOODS OR SERVICES THAT ARE REFERRED TO, ADVERTISED OR PROMOTED ON, OR SOLD THROUGH THIS WEBSITE).   UNDER NO CIRCUMSTANCES WILL IPN.COM OR ITS OWNERS, DIRECTORS OR AGENTS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES ARISING OUT OF YOUR USE OF THIS WEBSITE OR ANY PRODUCT OR SERVICE LINKED TO FROM OR ADVERTISED OR PROMOTED ON THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, OR OTHER DAMAGES OF ANY KIND (INCLUDING LOST REVENUES OR PROFITS, LOSS OF BUSINESS OR LOSS OF DATA), EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES.  YOU AGREE TO INDEMNIFY AND HOLD HARMLESS IPN.COM, ITS OWNERS, DIRECTORS, AND REPRESENTATIVES AGAINST ANY AND ALL DAMAGES AND/OR CLAIMS, OF WHATEVER NATURE, THAT ARISE OUT OF ANY TRANSACTION CONSUMMATED THROUGH OUR SERVICE OR TRANSACTION ARISING THEREFROM.