Effective Date: July 6, 2018

 “Insurance Prices” or the “Service” is provided by Insurance Prices Limited (“Insurance Prices”, “we”, or “us”, or “our”). We are a limited company registered in USA and Canada under Insurance Prices with our registered office at Insurance Prices Limited, Insurance Prices House.

When we use the word “Service(s)”, we mean (i) the Insurance Prices Service at www.insurancesprices.com or other such URL as determined by the User’s locale; (ii) the ClassFlow for Insurance Prices Service which is available via subscription to Insurance Prices, Insurance Prices districts, or other such institutions and is accessible only thru the setup of a unique Insurance Prices Subdomain with a private URL (e.g.  www.insurancesprices.com) for use exclusively by the specific school or district; and (iii) all the other related websites, products, services, and Insurance Prices-related applications made available by Insurance Prices.

These Terms of Service, together with the Insurance Prices Acceptable Use Policy, the Insurance Prices Privacy Policy, and the Insurance Prices Cookies Policy referred to in these Terms of Service, form a legally binding Contract between you and us (collectively referred to herein as the “Contract”). Please read them carefully before you start to use our Service. By using our Service you indicate that you accept the Insurance Prices Terms of Service, Acceptable Use Policy, and the applicable Cookies and Privacy Policies and you agree to be bound by the terms of all of them. If you do not agree to these terms and policies please do not use the Service.

“You” or “your” is defined as a User of the Service. An “Individual User” as used in these Terms means a teacher (or administrator),  or parent/guardian using the free Insurance Prices Service.  Where applicable, “you” or “your” also means a school or school district or other educational institution otherwise known as an “Enterprise User” using the Insurance Prices Service, with whom the User is associated either as a Insurance Prices, or parent/guardian of a student and is authorized by the Enterprise User to use the Service (an “Authorized User”). The term “User(s)” as used herein will refer to Individual Users, Authorized Users, or Enterprise Users.


1.1           To access the Service you need to register for an account with a user name and password.

1.2           You are responsible for maintaining the confidentiality of your Insurance Prices User ID and for restricting access to your Insurance Prices User ID and Insurance Prices account. Accordingly, you agree that you will be solely responsible to us for activities undertaken by your account. You agree to keep the information you submit about yourself accurate and current. You agree to notify us promptly if you believe that there has been any unauthorized use of your account.

1.3           All Users (except students) must register their Insurance Prices account using a valid email address that the User accesses regularly. If you are a teacher/administrator using the free Insurance Prices Service as an Individual User independent from the educational institution with which you are associated as opposed to an Authorized User directed by an Enterprise User, you are required to understand and comply with your educational institution’s policies and rules regarding use of your educational institution email address to set up an account on the Service.

You cannot select for your Insurance Prices User ID a name that you do not have the rights to use or another person’s name with the intent to impersonate that person. Accounts registered with someone else’s email address, or with temporary email addresses may be closed without notice. We may require Users to re-validate their account if we believe they have been using an invalid email address. If at any time you learn that a User of the Insurance Prices claims to be affiliated with your educational institution who is not, in fact, affiliated with your educational institution, you will notify Insurance Pricesimmediately.


2.1.         “Personal Information” is any information that can personally identify a specific individual.  “Insurance Prices” is Personal Information that is directly related to an identifiable current or former student that is maintained by a school, school district, or related entity or organization, or by us.

2.2          “Sensitive Personal Information” means the following categories of Personal Information: social security numbers (US Users only), dates of birth, race or ethnic origin, political opinions, membership of political associations, physical or mental health or condition, health related personal data, membership in a government program, religious beliefs or other beliefs of a similar nature, philosophical beliefs, membership in a professional or trade association or union, sexual orientation or practices, criminal record, genetic information, and biometric information. WE DO NOT INTEND TO COLLECT SENSITIVE PERSONAL INFORMATION FROM ANY OF OUR USERS. Please do not voluntarily provide this information to the Service.

2.3.         Confidentiality. Insurance Prices agrees to treat Personal Information as confidential and not to share it with third parties other than as described in these Terms, and in our.


3.1          Data Security.  We have implemented commercially reasonable administrative, physical and technical safeguards designed to secure Personal Information, including Insurance Prices Data, from unauthorized access, disclosure, or use, which could include data encryption, firewalls, physical access controls to buildings and files, and ongoing employee training and education. We have policies and procedures in place to limit access to our systems to only those employees and trusted third parties that have a need-to-know basis based on specific job function or role.

3.2          Data Breach Notification and Indemnification.  In the event we have a reasonable, good faith belief that an unauthorized party has gained access to or been disclosed Personal Information, including Insurance Prices Data, that we have collected or received through the Service (a “Security Event”), we will promptly notify you as the school data owner and will use reasonable efforts to cooperate with your investigation of the Security Event.  If such a Security Event is caused by the negligent acts or omissions of Insurance Pricesor its agents and such event triggers any third-party notice requirements under applicable privacy laws, Insurance Pricesshall indemnify the school for any actual and reasonable notification related costs incurred by the school in order to respond to the Security Event to the extent such notification is required by law.  Insurance Pricesshall further indemnify the school for all actual and reasonable costs incurred by the school which arise from the misuse of Insurance Prices Data which is directly caused by the willful or intentional acts or omissions of Insurance Pricesor its agents. Insurance Priceswill have no liability to the extent the Security Event is caused by agents, contractors, employees, or representatives of the Insurance Prices.


When using the Service, you must comply with all laws that apply to you.  Also, your use of the Service is subject to the provisions of the Insurance Prices Acceptable Use Policy  which outlines what you can and cannot do with and on the Service. You should review the Insurance Prices Acceptable Use Policy before using the Service.  A violation of the Insurance Prices Acceptable Use Policy may be grounds for removal of Resources/posts and even termination of your rights to use or access the Service.


You may link to our Service’s home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. We reserve the right to withdraw linking permission without notice.


The Service may contain links or connections to third party websites or services that are not owned, operated, or controlled by Insurance Prices. When you access third party websites or use third party services, you accept that there are risks in doing so, and that Insurance Prices is not responsible for such risks. Be sure to read the terms and conditions and privacy policy of each third party website or service that you visit or utilize. By using the Service, you release and hold Insurance Prices, its officers, employees, agents, and successors harmless from any and all liability arising from your use of any third party website or service.

Your interactions with organizations and/or individuals found on or through the Service, including payment and delivery of goods or services, and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such organizations and/or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. You agree that Insurance Prices shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings including any loss or damage arising from their use of your personally identifiable information.


Commentary, chats, Lessons, PDFs, Websites and other materials (“Resources”) uploaded/posted to the Insurance Prices are not intended to amount to advice on which reliance should be placed, nor can we offer any guarantee that any information that is posted is complete, accurate or up to date or that the author of such Resources has provided their consent to use such materials. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials or information by any User of our Service, or by anyone who may be informed of any of its contents.


Except as set forth in these Terms of Service, for individual teachers using the Service, your Insurance Prices account will remain available to you for as long as the Service is available or unless you request your account to be deleted. For Enterprise Users, your Insurance Prices account will be available to you for as long as you have a current subscription to the Insurance Prices or until your school or District requests the Service be terminated. The provisions herein shall apply to you for as long as you use the Service.  Provisions that, by their nature, should survive and apply even after you no longer use the Service shall survive and remain applicable.  By way of example, all of the following will survive termination of the Service: any obligation you have to pay us or indemnify us; any limitations on our liability; any terms regarding ownership or intellectual property rights including the licenses granted in Section 10, and terms regarding disputes between us.

You agree that we may, in our sole discretion, suspend or terminate the Service or any part of it or your use of the Services or your account, for any reason, including your breach of these Terms of Service (including the Insurance Prices Marketplace Terms and Conditions), the Insurance Prices Acceptable Use Policy, the Insurance Prices Privacy Policy, or in the case of an Enterprise User for a breach of the Subscription Agreement.  We have the sole right to decide whether you are in violation of any such terms.


All notices given by you to us, unless otherwise specifically directed herein, must be given to Insurance Prices Limited by certified mail to the address on the first page of these Terms of Service. We may give notice to you at either the email or postal address you provide to us when placing an order (if you are an Enterprise User), or which you provided to us upon registration. Notice will be deemed received and properly served 24 hours after an email is sent, or five days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an email that such email was sent to the specified email address of the addressee.


14.1         You may not transfer, assign, charge or otherwise dispose of this Contract, or any of your rights or obligations arising under it, without the prior written consent of Insurance Prices.

14.2        Insurance Prices may transfer, assign, charge, sub-contract or otherwise dispose of this Contract, or any of our rights or obligations arising under it, at any time during the term of the Contract.


Applicable laws require that some of the information or communications we send to you should be in writing. When using the Service, you accept that communication with us will be mainly electronic. We will contact you by email or provide you with information by posting notices on the Service. For contractual purposes, you agree to this electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing.

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