Terms of Service

By visiting or using the Website, you agree to and accept (1) these terms and conditions ("Terms of Service") and (2) our privacy policy, available at 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 as set forth in these Terms of Service, provided that:

1. You access and use the Website in strict compliance with these Terms of Service;
2. You agree not to alter or modify any part of the Website.
3. You agree not to access Website content through any technology or any unauthorized means other than user interaction expressly invited on the Website itself.
4. You agree not use the Website 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 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 Rhino Website 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 in a manner that sends more request messages to the Website 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, nor to use the communication systems provided by the Website (for example, comments or email) for any commercial solicitation purposes. You agree not to solicit, for commercial purposes, any users of the Website.
9. In order to access some of our Website, 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. 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. 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, 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 Rhino Website. You grant to Rhino the right to use all content you upload or otherwise transmit to the Rhino Website 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 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 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.

1. The content on the Website, 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.
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 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.

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.

If you are a landlord and we provide you with the opportunity to obtain coverage for your benefit, 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, 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 ("Payment Partner"). You may be required to register with our Payment Partner to use some of the Website. Rhino does not assume any liability for the actions or services of our Payment Partner, as described more fully below.

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.

The owner of this Website is licensed as an insurance producer in the states where it transacts insurance. Rhino makes no representation that the products and services on this Website are appropriate or available for use outside of such states. If you access this Website from other locations, you hereby acknowledge and agree that you are viewing the products and services on this Website for general informational purposes only.

All pricing and quotes generated on this Website are based on information you provided on the Site, 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 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, you must complete all of the steps on the Site through the final application through this Website or otherwise. Applications are subject to underwriting review and approval.

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 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 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 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 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, 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 and are not responsible for the information users transmit or share on the Site.
3. WE TRY TO KEEP THE WEBSITE UP, BUG-FREE, AND SAFE, BUT YOU USE IT AT YOUR OWN RISK. WE ARE PROVIDING THE WEBSITE 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 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.

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 (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, 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;
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;
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 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, 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 Terms of Use 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, make up the entire agreement between the parties regarding the Site and your use of the Site, 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.