Effective Date: August 31, 2017
Thank you for visiting our site! Rhino New York LLC ("Rhino," "we," "us," or "our") is a licensed insurance agency in the states where it transacts insurance that places coverage for the benefit of residential landlords who offer Rhino's services to their tenants as an alternative to traditional security deposits. If you are a tenant, you acknowledge that you will not be an insured or obligee under any coverage placed by Rhino.
These Terms of Service govern your access to and use of our website, including any features and services available on our site (collectively, "Website" or "Site").
Rhino hereby grants you permission to access and use the Website as set forth in these Terms of Service, provided that:
In addition to the general conditions above, the following restrictions and conditions apply specifically to your use of content on the Website.
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.
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.
Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
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.
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.
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.
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.
The following provisions apply to users who interact with Rhino outside 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:
The above information must be submitted to the following DMCA Agent for Rhino:
Name: Benjamin Lantos Attn: DMCA Notice Company: Rhino New York LLC Address: 99 WALL STREET, #1504, NEW YORK, NY, 10005 Telephone: (212) 966-6554 Email: email@example.com
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:
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.
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.
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.
If you have any questions or comments regarding these Terms of Service of Rhino's Website, please contact us at:
Rhino New York LLC Attn: Rhino Terms 99 WALL STREET, #1504 NEW YORK, NY, 10005