Terms of Service

By visiting or using the Website or Services, you agree to and accept (1) these Terms of Service and (2) our Privacy Policy, available at www.sayrhino.com/privacy_policy, which is expressly incorporated herein. All personal information provided to us through your use of the Site or Services will be handled in accordance with our Privacy Policy. If you do not agree to all of these terms or our Privacy Policy, do not use the Site or our Services in any manner. www.sayrhino.com/privacy_policy If you do not agree to any of these terms or our privacy policy, please do not use the Site.

Rhino hereby grants you permission to access and use the Website and our Services as set forth in these Terms of Service, provided that:

1. You access and use the Website or Services in strict compliance with these Terms of Service;
2. You agree not to alter or modify any part of the Website or Services.
3. You agree not to access Website content or our Services through any technology or any unauthorized means other than user interaction expressly invited on the Website or Services itself.
4. You agree not to use the Website or Services to violate the legal rights (including the rights of publicity and privacy) of others or to violate the laws of any jurisdiction.
5. You agree not to misrepresent an affiliation with any person or organization.
6. You agree not to restrict or inhibit use of the Website or Services by others or engage in any other conduct that restricts or inhibits an individual's use or enjoyment of the Website, or which, as determined by Rhino, may harm Rhino or users of the Website or Services or expose them to liability.
7. You agree not to use or launch any automated system, including without limitation, "robots", "spiders," or "offline readers," that accesses the Website or Services in a manner that sends more request messages to the related servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line Web browser. Notwithstanding the foregoing, Rhino grants the operators of public search engines permission to use spiders to copy 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. Rhino reserves the right to revoke these exceptions either generally or in specific cases.
8. You agree not to collect or harvest any personally identifiable information, including account names, from the Website or Services, nor to use the communication systems provided by the Website or Services (for example, comments or email) for any commercial solicitation purposes. You agree not to solicit, for commercial purposes, any users of the Website or Services.
9. In order to access some of our Website or Services, you may be required to provide, or authorize access to, certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Website or Services. You agree that any information you provide will always be accurate, correct, and up to date.
10. You agree that you are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Website or Services. Accordingly, you are responsible for all activities that occur under your account(s). You may not share your password or establish an account for any other person.
11. You agree that you are responsible for whatever content you submit and you, not Rhino, have full responsibility for such content, including its legality, reliability and appropriateness. By uploading or otherwise transmitting material to any area of the Website or Services, you warrant that the material is your own or is in the public domain or otherwise free of proprietary or other restrictions and that you have the right to post it to the Website or within the Services. You grant to Rhino the right to use all content you upload or otherwise transmit to the Website or Services in any manner Rhino chooses, including, but not limited, to copying, displaying, performing or publishing it in any format whatsoever, modifying it, incorporating it into other material or making a derivative work based on it.
12. You agree that you will not use the Website or Services if you are under 18.
13. You agree that we may provide you with any Communication (defined below) in electronic format, and that we may discontinue sending paper Communications to you (including, but not limited to, paper communications required to be sent via U.S. mail), unless and until you withdraw your consent or, at our option, upon notification by us to you. You further agree that we may authorize an agent to deliver certain Communications to you on our behalf, and perform other services to help facilitate the delivery of Communications to you. "Communications" means online enrollment or application, declarations page, policy, certificate, terms and conditions, responses to claims, transaction history, privacy policy, periodic billing statements, amendments, services, notices and disclosures about changes in the terms of your contract.
14. Rhino reserves the right to discontinue any aspect of the Website or Services at any time.

In addition to the general conditions above, the following restrictions and conditions apply specifically to your use of content on the Website or within our Services.

1. The content on the Website or within our Services, including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features and the like ("Content") and the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to Rhino, subject to copyright and other intellectual property rights under the law. Your use of the Website or our Services does not grant you any right in relation to the Website, Services, Content or Marks except as expressly stated in these Terms.
2. You agree not to engage in the use, copying, or distribution of any of the Content other than as expressly permitted herein, including any use, copying, or distribution content obtained through the Website for any commercial purposes. You further agree not to create derivative works from any Content.
3. Use of the Website or Content for any purpose not expressly permitted by these Terms of Service is strictly prohibited. Rhino reserves all rights not expressly granted in and to the Content.

1. If you download or use any software provided by Rhino, such as a stand-alone software product, an app, or a browser plugin, you agree that from time to time, the software may download and install upgrades, updates and additional features from us in order to improve, enhance, and further develop the software.
2. You will not modify, create derivative works of, decompile, or otherwise attempt to extract source code from us, unless you are expressly permitted to do so under an open source license, or we give you express written permission.

Certain of the Services offered include insurance products, such as Security Deposit Insurance and Renters Insurance. These products are offered by Rhino New York, LLC (Rhino Insurance Agency in California) ("Rhino New York") which is licensed as an insurance producer in the states where it transacts insurance and is acting as a general agent for various insurance carriers. Rhino New York makes no representation that the insurance products and services on this Website or within our Services are appropriate or available for use outside of such states. If you access this Website or our Services from other locations, you hereby acknowledge and agree that you are viewing the products and services on this Website or within our Services for general informational purposes only.

Rhino's Security Deposit Insurance provides coverage for the benefit of residential landlords who offer Rhino services to their tenants. Landlords may be afforded coverage under insurance placed/underwritten by Rhino New York, and landlords may select a coverage limit that is greater than the amount of a cash security deposit. If you are a tenant, you acknowledge that you will not be an insured or obligee under any Rhino Security Deposit Insurance policy. Coverage is subject to underwriting approval, and may not be available to all persons, even if offered in your state.

Renters Insurance is provided by Cover Genius Insurance Services, LLC ("Cover Genius"), and underwritten by Markel American Insurance Company or Markel Insurance Company. Rhino acts as an agent for Cover Genius in connection with renters insurance. Renters Insurance coverage is subject to actual policy terms, conditions, and exclusions.

All pricing and quotes generated on this Website or through our Services are based on information you provided on the Site or within the Services, as well as, in some cases, information we obtain from third parties. Quotes or pricing do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage for any party. The coverage descriptions provided on this Website or within our Services are general descriptions of potentially available insurance coverage products and services and are not a statement of contract or an invitation to contract. In order to arrange for insurance coverage described on this Website or within our Services, you must complete all of the steps on the Site or within our Services through the final application. Applications are subject to underwriting review and approval.

If we provide you with the opportunity to obtain insurance coverage, no binding obligation arises for either you or Rhino until Rhino has notified you in writing that your coverage has become effective.

If you are a tenant and elect to make payments on the Site or through our Services, you agree to make all payments through a third-party service that Rhino has engaged to accept and process credit card, debit card, and other types of card payments, such as ACH transfer ("Payment Partner"). You may be required to register with our Payment Partner to use some of the Website or Services. Rhino does not assume any liability for the actions or services of our Payment Partner, as described more fully below.

Our cash deposit management services enable the landlord and tenant to (i) create accounts through our Services that will facilitate and govern the maintenance of the tenant's cash security deposit; (ii) make a cash security deposit for the duration of a rental term; and (iii) return deposits to the tenant at the end of the rental term unless a Release Event (defined below) has occurred, in which case all or the relevant part of the cash security deposit is release to the landlord, with the remainder (if any) returned to the renter.

Rhino Deposit Management hereby grants you permission to access and use the cash deposit management services as set forth in these Terms of Service, provided that you acknowledge and agree to the following additional conditions (in addition to the other conditions provided herein):

1. Rhino Deposit Management's responsibility is solely to provide cash deposit management services for security deposits on behalf of the landlord.
2. Rhino Deposit Management has no responsibility to provide tenants with any notices, bank account information, information regarding the landlord, information on the location or amount of the security deposit, information on interest earned or credited to the account of the tenant or any other information regarding the requirements of laws in connection with security deposits for rentals of residential real estate. Any information of any nature provided to the tenant from any source connected with Rhino Deposit Management should be confirmed with your landlord to ensure accuracy and validity.
3. You recognize that these Terms of Service may be inconsistent with the terms of any real property lease. The landlord and tenant agree that these Terms of Service shall supersede any inconsistent provisions of any real property lease insofar as such lease shall govern the maintenance, payment or return of any cash security deposits held by Rhino Deposit Management.
4. You acknowledge and agree that this service is a cash deposit management service and not an electronic funds transfer service as defined under applicable law.
5. You are responsible for ensuring that all details you provide to us through your account are correct, including but not limited to, any bank account details. Any payment made by us from your account to an incorrect account is not our responsibility, and we may charge you for any cost we incur to assist you in recovering such payments.
6. You can view the balance of your account at any time by logging into your account. We will make reasonable efforts to ensure the information provided through your account is accurate and up to date. There may be a time lapse for transactions which are in progress.
7. We are not liable where your account is used by someone other than you. You agree to notify us immediately by email to [email protected] if you suspect any unauthorized use has been made of your account.
8. If you are a landlord, you further acknowledge and agree:
   1. You are responsible for compliance with all legal requirements application to tenant's security deposits and will indemnify Rhino Deposit Management for any liability for failure to comply with applicable law.
   2. Your registered account name must be your legal name and correspond to your name as the landlord on the lease with the tenant; and
   3. You may have your account created by an agent acting on your behalf. Such agent may be a person or legal entity of your choosing and may include a Property Manager, a Property Management Company, a real estate broker, attorney or other party. This agent may manage your account and execute transactions on your behalf to the same extent that you may use your account directly. You agree to be responsible for all acts of your agent including acts of the agent that are fraudulent, unauthorized, involve theft or embezzlement of any funds in your account. You hereby ratify the actions of your agent in managing your account. You may terminate the agency at any time by notice to Rhino Deposit Management in writing. Rhino Deposit Management will have a reasonable period of time to effect the termination and restrict the ability of the agent to manage your account.
9. If you are a tenant, you further acknowledge and agree:
   1. Rhino Deposit Management does not owe you any fiduciary duties or other obligations except as specifically described, and subject to any limitations provided, herein; and
   2. Your registered account name must be your legal name and correspond to your name as listed on your lease with the landlord.

Cash security deposit management services, including but not limited to facilitating the payment and management of security deposits through the Rhino platform, are not an insurance product and are provided by Rhino Deposit Management Services LLC ("Rhino Deposit Management"). Cash deposit management services shall not be used for any illegal purposes, including but not limited to fraud, money laundering, terrorism or other criminal activity or to transfer money to persons who may be subject to sanctions or violate any laws in your jurisdiction. We reserve the right to notify the appropriate authorities and/or terminate an account and return or withhold any deposit paid where we reasonably believe or suspect that our cash deposit management service is being used for inappropriate or unlawful purposes or in breach of these Terms. If this results in a delay or failure to effect instructions, we are not liable for any resulting loss, damage, or other liability suffered by your or any third party.

1. Cash deposit management services may only be used for lawful purposes and transactions. You shall not use these services in connection with any marijuana related business, including without limitation the leasing of real estate for purposes of operating a marijuana related business, or any transaction that is illegal or violates any laws in your jurisdiction or involves transactions directly or indirectly involving individuals, persons or entities with whom US persons are prohibited from engaging pursuant to laws, regulations, sanctions and export controls administered by the Departments of Treasury, Commerce and State or other agencies.
2. Rhino Deposit Management, in its sole discretion, may refuse to complete any transaction if Rhino Deposit Management has reason to believe the transaction is unauthorized or made by someone other than you, may violate any law, rule or regulation, or if Rhino Deposit Management has other reasonable cause not to honor it.
3. All deposits to or payments from your account shall be made in US dollars. Any sums paid to your account will be held on your behalf while in our bank account.
4. We are only deemed to have received money credited to your account when the bank makes the funds fully available for withdrawal.
5. Cash security deposits are the property of the tenant. A landlord only has a contractual right to claim on the deposit at the end of the leasing term, at all times subject to and in accordance with the applicable lease and applicable law.
6. You are responsible for all instructions given to us through your account and agree that we can rely on any instruction as being accurate, binding and final instruction from you. If your instructions or any required information are incomplete, the transaction may not be implemented. We are not responsible or liable for any related consequences.
7. All transactions using our cash deposit management service are subject to acceptance and verification by us and the applicable banking institution.
8. All transactions in your account are subject to having sufficient available funds in your account. You may not create an overdraft or exceed an approved limit in your account.
9. There are three ways for a cash deposit to be released:
   1. Pay: Either party can initiate a return. The landlord can then release some or all of the cash deposit to the tenant using the close function in their account.
   2. Dispute: Either party can dispute through the dispute function in their account. The deposit will be released to the landlord and/or tenant in the manner determined in accordance with the cash management dispute provisions as outlined below; provided that the landlord can withdraw the deposit from their account at any time, even if a dispute has been initiated. In which case the tenant's sole recourse in this case shall be under applicable law and not these Terms.
   3. Termination: If services are terminated in accordance with the termination provision noted below, cash deposits will be released to the appropriate party.

   Once release of funds has occurred, you may withdraw funds from your account by using the withdrawal function in your account. To withdraw money, a tenant may be required to verify their identity prior to funds being released.

1. Either a landlord or tenant can initiate a dispute by choosing the dispute function within their account, which sends a message to the other party that a dispute has been triggered.
2. Both parties must mutually agree to use the following dispute resolution process. If there is no mutual agreement, then the landlord and/or tenant should seek such remedies as are available to them under applicable law.
3. If both the landlord and tenant elect to use our cash deposit dispute resolution process, we enable communications between the landlord and tenant through the private messaging service in their accounts to try resolve the dispute between them. If both the landlord and tenant agree, Rhino will appoint a mediator to attempt to resolve the dispute. The mediator will accept written statements from both parties and any factual information to support disputed claims. The mediator will make a non-binding recommendation within forty five (45) days from appointment. If the dispute is resolved, then the deposit may be released in accordance with the terms of the resolution made between the landlord and the tenant. This is done by the landlord or tenant, as the case may be, issuing a pay instruction through the close function in their respective account.

1. The service fee is payable by the tenant for each cash security deposit made into the tenant's account and is payable at the time the cash security deposit is made into the account.
2. The service fee is a one-time fee of $7.99 plus any applicable sales or other local tax. This fee covers the cash deposit management services provided hereunder beyond the maintenance of the security deposit under the applicable lease, including but not limited to, facilitating the digital payment of a security deposit, providing notification to the landlord of the successful payment of the security deposit, continuous access to your dashboard showing the status of your deposit payment, management of your deposit, ability to digitally request refund of your deposit, and provision of automatic communications and notifications regarding the payment of your deposit and/or any deductions made, any related updates, and any request for its refund/return.
3. To avoid the one-time service fee, a tenant can instead mail in a check for the security deposit amount. A form must accompany the check in order to be properly processed. Instructions can be found within our Services when proceeding through the checkout flow or here. Tenant agrees to reimburse us for any charges incurred if a check is returned or cannot otherwise be processed due to insufficient funds.
4. If you pay any sums by credit or debit card, and you later cancel the payment, you are required to pay us any charge we may incur to our payment processor as a result of the cancellation.
5. We can, at any time, change the service fee and notify you of such change as set out herein. This change will apply for any account which you create after the date of the change but won't apply to any existing account. By continuing to use our cash deposit management service, you are deemed to have accepted such change.

We reserve the right to change these Terms of Service from time to time. You acknowledge and agree that it is your responsibility to review these Terms of Service periodically to familiarize yourself with any modifications. If we make a material modification to these Terms of Service, we will provide you with reasonable notice of such changes (for example, by including a banner on our Site or sending you an email). Your continued use of this Site or our Services after being notified of such modifications will constitute acknowledgment and agreement of the modified terms and conditions. Obligations and rights provided for under the terms of insurance policies and/or tenant agreements bound through use of the Website or our Services can only be modified under the terms of such insurance policies or tenant agreements, as applicable.

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our Website or our Services with or without notice and for any reason, including, without limitation, breach of these Terms of Service. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination of your account, your right to use the Website or our Services will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

1. You will resolve any claim, cause of action, or dispute (claim) you have with us arising out of or relating to these Terms of Service exclusively in the United States District Court for the Southern District of New York or state court located in New York County in the State of New York, and you agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such claims. The laws of the State of New York will govern this Statement, as well as any claim that might arise between you and us, without regard to conflict of law provisions.
2. If anyone brings a claim against us related to your actions or information on the Website or the Services, you will indemnify and hold us harmless from and against all damages, losses, and expenses of any kind (including reasonable legal fees and costs) related to such claim. Although we provide rules for user conduct, we do not control or direct users' actions on the Website or the Services and are not responsible for the information users transmit or share on the Site or within the Services.
3. WE TRY TO KEEP THE WEBSITE AND OUR SERVICES UP, BUG-FREE, AND SAFE, BUT YOU USE IT AT YOUR OWN RISK. WE ARE PROVIDING THE WEBSITE AND OUR SERVICES AS IS WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE WEBSITE OR OUR SERVICES WILL ALWAYS BE SAFE, SECURE OR ERROR-FREE OR THAT RHINO WILL ALWAYS FUNCTION WITHOUT DISRUPTIONS, DELAYS OR IMPERFECTIONS. RHINO IS NOT RESPONSIBLE FOR THE ACTIONS, INFORMATION, OR DATA OF THIRD PARTIES, AND YOU RELEASE US, OUR DIRECTORS, OFFICERS, EMPLOYEES, OWNERS, PARENT COMPANIES, SUBSIDIARIES, AFFILIATES AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU HAVE AGAINST ANY SUCH THIRD PARTIES. WE WILL NOT BE LIABLE TO YOU FOR ANY LOST PROFITS OR OTHER CONSEQUENTIAL, SPECIAL, INDIRECT, OR INCIDENTAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY ARISING OUT OF THIS AGREEMENT RHINO WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, RHINO'S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
4. WE MAY CHANGE OR REMOVE ANY OR ALL ASPECTS OR FEATURES OF OUR WEBSITE OR SERVICES FROM TIME TO TIME. HOWEVER, THIS WON'T AFFECT ANY COVERAGE AFFORDED UNDER ACTIVE INSURANCE POLICIES OR YOUR ABILITY TO BE REPAID ANY CASH SECURITY DEPOSIT TO WHICH YOU ARE ENTITLED.
5. WITHOUT LIMITING OR AFFECTING THE OTHER TERMS, WE ARE NOT LIABLE TO YOU, TO THE EXTENT PERMITTED BY APPLICABLE LAWS, FOR ANY: (I) BREACHES OR LIABILITIES ARISING UNDER ANY STATE OR OTHER LAW RELATING TO SECURITY DEPOSITS WHICH ARE NOT RELATED TO THE CASH SECURITY DEPOSIT MANAGEMENT SERVICE SET OUT IN THESE TERMS; (II) LOSS OF OPPORTUNITY OR RENTAL; (III) DAMAGE TO YOUR REPUTATION OR GOODWILL; (IV) LOSS OF BUSINESS, INCOME, REVENUE OR PROFITS; (V) INCREASED RENTAL PAYMENTS OR SECURITY OR DEPOSIT REQUIREMENTS; AND (VI) LIABILITY UNDER ANY CONTRACT TO WHICH YOU ARE A PARTY (INCLUDING BUT NOT LIMITED TO ANY LEASE OR RELATED AGREEMENTS);

The following provisions apply to users who interact with Rhino outside the United States:

1. You consent to having your personal data transferred to and processed in the United States.
2. If you are located in a country embargoed by the United States, or are on the U.S. Treasury Department's list of Specially Designated Nationals you will not engage in commercial activities on the Site or within our Services (such as payments). You will not use Rhino if you are prohibited from receiving products, services, or software originating from the United States.

If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible via the Website or our Services, please notify Rhino's copyright agent, as set forth in the Digital Millennium Copyright Act of 1998 ("DMCA"). For your complaint to be valid under the DMCA, you must provide the following information in writing:

1. An electronic or physical signature of a person authorized to act on behalf of the copyright owner;
2. Identification of the copyrighted work that you claim has been infringed;
3. Identification of the material that is claimed to be infringing and where it is located on the Website or our Services;
4. Information reasonably sufficient to permit Rhino to contact you, such as your address, telephone number, and e-mail address;
5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or law; and
6. A statement, made under penalty of perjury, that the above information is accurate, and that you are the copyright owner or are authorized to act on behalf of the owner.

The above information must be submitted to the following DMCA Agent for Rhino:

UNDER FEDERAL LAW, IF YOU KNOWINGLY MISREPRESENT THAT ONLINE MATERIAL IS INFRINGING, YOU MAY BE SUBJECT TO CRIMINAL PROSECUTION FOR PERJURY AND CIVIL PENALTIES, INCLUDING MONETARY DAMAGES, COURT COSTS, AND ATTORNEYS' FEES.

If you believe that your work has been removed or disabled by mistake or misidentification, please notify our DMCA Agent in writing including the following information:

1. A physical or electronic signature of the user of the Website or Services;
2. Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
3. A statement made under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material; and
4. Your name, address, telephone number, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which the address is located, or if your address is outside of the United States, for any judicial district in which Rhino may be found, and that you will accept service of process from the person who provided notification under 17 U.S.C. 512(c)(1)(C) or an agent of such person.

Please note that this procedure is exclusively for notifying Rhino and its affiliates that your copyrighted material has been infringed. The preceding requirements are intended to comply with Rhino's rights and obligations under the DMCA, including 17 U.S.C. 512(c), but do not constitute legal advice. It may be advisable to contact an attorney regarding your rights and obligations under the DMCA and other applicable laws.

In accordance with the DMCA and other applicable law, Rhino has adopted a policy of terminating, in appropriate circumstances and at Rhino's sole discretion, users who are deemed to be repeat infringers. Rhino may also at its sole discretion, without liability, limit access to the Website or Services and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Rhino may contain links to third-party websites or services that are not owned or controlled by Rhino, including our Payment Partners. Rhino has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. If you access a third-party website from our Site, you do so at your own risk, and you understand that these Terms of Service and Rhino's Privacy Policy do not apply to your use of such other sites. You expressly relieve Rhino from any and all liability arising from your use of any third-party website or services or third-party owned content. We encourage you to be aware of when you leave the Website or our Services, and to read the terms and conditions and privacy policy of any third-party website or service that you visit.

If you are a resident in a jurisdiction that requires a specific statement regarding waiver and release then the following applies. For example, California residents must, as a condition of these Terms of Service, waive the applicability of California Civil Code Section 1542, which states: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR." You hereby waive this section of the California Civil Code and any similar provision in law, regulation or code that has the same effect or intent as the foregoing release.

If allowed by Rhino, you may, as applicable, post reviews, comments, photos, videos, and other content; and submit suggestions, ideas, comments, questions, or other material or information (collectively, "Content"), so long as the Content complies with these Terms and is not otherwise illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable.

If you do post or submit Content, and unless we indicate otherwise, you grant Rhino a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, perform, translate, create derivative works from, distribute, and display such Content throughout the world in any media. You also grant Rhino and sublicensees the right to use the name that you submit in connection with such Content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the Content that you submit; that the Content is accurate and will not cause injury to any person or entity; and that you will indemnify Rhino for all claims resulting from Content you supply. Rhino has the right but not the obligation to monitor, edit or remove any activity or Content. Rhino takes no responsibility and assumes no liability for any Content posted by you or any third party and may not review posted Content.

These Terms of Service, and any other written agreements entered into by Rhino and you pursuant to activities engaged in as a result of use of the Website or our Services, make up the entire agreement between the parties regarding the Site and Services and your use of the Site and our Services, and supersedes any prior agreements. If any portion of these Terms of Service is found to be unenforceable, the remaining portion will remain in full force and effect. If we fail to enforce any of these Terms of Service, it will not be considered a waiver. Any amendment to or waiver of these Terms of Service must be made in writing and signed by Rhino. You will not transfer any of your rights or obligations under these Terms of Service to anyone else without our consent. All of our rights and obligations under these Terms of Service are freely assignable by us in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise. Nothing in these Terms of Service shall prevent us from complying with the law. These Terms of Service do not confer any third-party beneficiary rights. We reserve all rights not expressly granted to you. You will comply with all applicable laws when using or accessing the Website.

General

Any person who knowingly and with the intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purposes of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties.

If you reside in any of the states listed below, please review the specific fraud warnings below prior to submitting your application.

ALABAMA

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any combination thereof.

ARKANSAS

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

COLORADO

It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DISTRICT OF COLUMBIA

It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the applicant.

FLORIDA

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO

Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

KENTUCKY

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE

Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MARYLAND

Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA

A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE

Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY

Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

NEW MEXICO

Any person who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

NEW YORK

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA

WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON

Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA

Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and payment of a fine of up to $15,000.

RHODE ISLAND

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

VIRGINIA

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.