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Terms and Conditions



Last Updated and effective: July 29th, 2024

Please review the following Terms of Use (the “Terms”), which govern your use of policyguardians.com (the “Site”, “we”, “us”, or “our”). By using the site, you agree to follow and be bound by these Terms of Use. We reserve the right to update or modify these Terms at any time without prior notice. For this reason, we encourage you to review these Terms each time you use the Site. If you do not agree to these Terms, please do not use the Site.


Privacy Policy.

By using the Site, you agree to the terms of our Privacy Policy, which you can access here.


Site Modification Or Suspension.

We reserve the right, at any time in our sole discretion, to modify, suspend or discontinue the Site or any service, content, feature or product offered through the Site, with or without notice. You agree that we shall not be liable to any third party for any modification, suspension or discontinuance of the Site, or any service, content, feature or product offered through the Site.


License And Access.

Subject to your compliance with these Terms of Use, Vision Media Group grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal and non-commercial use of the Site and any services provided thereon. This license does not include any resale or commercial use of any Site’s content, any downloading or copying of registration information for the benefit of another merchant, any derivative use of this Site or its content; or any use of robots, data mining, or similar data gathering and extraction tools. The Site or any portion of it may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Vision Media Group. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including text, images of page layout, or form) of Vision Media Group and our affiliates without express written consent. You may not use any meta tags or any other “hidden text” utilizing the Vision Media Group name or trademarks without the express written consent of Vision Media Group. All rights not expressly granted to you in these Terms of Use are reserved and retained by Vision Media Group, its affiliates, licensors, publishers, rights holders or other content providers. Any unauthorized use of the Site or services provided terminates the permission or license to access and use the site.


Intellectual Property

This Site and the Content available on the Site are our property or the property or our affiliates and licensors, and are protected by copyright, trademark and other intellectual property rights. Subject to the Terms, you are granted a non-exclusive non-transferable license to use the Site solely for your personal, non-commercial use. You may not use the Site or the content available on the Site in a manner that infringes on our rights or that has not been authorized by us. More specifically, unless explicitly authorized in these Terms or by the owner of the content, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, perform, display or distribute in any manner or medium (including by e-mail or other electronic means) any material from the Site. You may, however, from time to time, download or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.


Copyright Complaints.

If you believe your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the written information specified below:

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
A description where the material that you claim is infringing is located on the site;
A description of the copyrighted work that you claim has been infringed upon;
Your address, telephone number, and email address;
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
 
Vision Media Group’s Copyright Agent for notice of claims of copyright infringement on Vision Media Group can be reached at:

privacy@PolicyGuardians.com


Your Comments Reviews And Other Content Posted: 

You may have the opportunity to post comments, write reviews, or provide other content on this Site (“Posted Content”). If you choose to provide Posted Content on the Site, you represent that you are the owner of the content, or that you have the express authorization of the owner to post or submit that content. Further, when you submit or post any content, you grant us and anyone we authorize, a royalty-free, non-exclusive, fully sub-licensable, perpetual, irrevocable, unrestricted, worldwide license to use, display, copy, modify, transmit, cache, store, archive, index, categorize, comment on, tag, sell, exploit, create derivative works from, incorporate into other works, distribute, and/or digitally perform or publicly perform or display such posted content, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose, including without limitation the right to transfer to third parties the right to use, exhibit and otherwise exploit such content (in whole or in part), as modified by us in its sole discretion. This license is non-exclusive, except that you agree we shall retain the exclusive right to practice this license to the extent of combining your Posted Content with the Posted Content of other Site users, which we may use to construct or populate a searchable database of product reviews. You acknowledge and agree that we and our partners are entitled to retain any revenue generated from the display of advertising, promotional campaigns, content syndication and distribution arrangements that include or feature any of the Posted Content you submit.

The foregoing shall include the right to exploit any proprietary rights in such Posted Content or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. In connection with the exercise of such rights, you also grant us, and anyone authorized by us, the right to identify you as the author of any of your content postings or submissions by name, e-mail address or screen name, as we deem appropriate. We are not obligated to give credit or pay any compensation for your Posted Content.
We expressly prohibit the posting of any comments, reviews or other content that is illegal, threatening, defamatory, obscene, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, commercial solicitation, political campaigning, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a comment or other content. We reserve the right (but not the obligation) to remove or edit such content, but do not regularly review posted content. We have the right but not the obligation to oversee and edit or remove any activity or content. We claim no responsibility and assume no liability for any Posted Content uploaded by you or any third party to the Site.


Use Restrictions And Registration

You may not use or register with the Site if you are under thirteen (18) years of age. However, certain services offered on or through the Site may require you to be eighteen (18) years old, for instance, purchasing products, entering into sweepstakes, and participating in sampling and product gifting programs. If you are under 18, do not use those portions of the Site or those services. You agree that the information that you provide to us upon registration, and at all other times will be true, accurate, current and complete. Registration is limited to one account per user, and user is solely responsible for keeping your password secure and for any activities or actions taken under your password, whether or not you have authorized such activities or actions. You shall immediately notify Vision Media Group of any unauthorized use of your password. By using the Site and/or accessing the services, you represent and warrant that you have the right, authority and capacity to enter into these Terms and to abide by all of the terms and conditions set forth in these Terms. This Site is administered in the United States and intended for U.S. users; any use outside of the U.S. is at your own risk and you are responsible for compliance with any local laws applicable to your use of the Site or access to the Services.


Third-Party Content

Third parties not affiliated with us may offer services or products on the Site.  We do not warrant or assume any responsibility or liability for the actions, offers or content of third parties who may have advertisements or links on our site. You should carefully review their privacy statements and other conditions of use.


Errors and Delays

You agree that Vision Media Group is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.
Disclaimer Of Warranties And Limitation Of Liability

THIS SITE IS PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOU WARRANTY OF ANY KIND. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. WE DO NOT WARRANT THAT THE WEBSITE, CONTENT OR SERVICES WILL PROVIDE SPECIFIC RESULTS. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. UNDER NO CIRCUMSTANCES WILL Vision Media Group BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES OR OTHER ITEMS LOCATED ON THE WEBSITES. Vision Media Group DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND.


Miscellaneous Terms

This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and Vision Media Group and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter hereof. If a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the latter incorporated terms shall control.

You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or unenforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.


Terms Applicable to Insurance Request Services: 

Vision Media Group is not a licensed insurance agency or broker and does not provide insurance quotes in accordance with RCW 48.17 or similar state statutes. The information Vision Media Group provides is not intended to take the place of professional advice from a licensed insurance agent, nor does it evaluate insurance providers or their policies. Vision Media Group recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.


Indemnity

You agree to indemnify and hold us, our parents, subsidiaries, affiliates, officers and employees, harmless, for any claims, liabilities, costs and expenses, including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of (i) your access to the Site, (ii) your use of the services, (iii) the violation of these Terms by you, (iv) the infringement by you, or any third party using your account or User ID or password, of any intellectual property or other right of any person or entity; (v) any content you post on this Site; and (vi) any products or services purchased by you in connection with this Site and/or the web sites of our third party partners, vendors and/or service providers.


Termination

While you use the Site, you avail yourself to the services provided by us and these Terms will remain in full force and effect. We may decide to cancel or terminate your right to use the Site, or any part of the Site, at any time without notice. In the event of any such cancellation or termination, you will no longer be authorized to access all of or the part of the Site affected by such cancellation or termination. The restrictions imposed on you with respect to any material downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms, shall survive any termination of your right to use the Site.


Choice Of Law, Disputes, And Jurisdiction. 

This Agreement, as well as the Vision Media Group and the Privacy Policy, is the complete and exclusive statement of the Agreement between Vision Media Group and you regarding the Site and the Services. This Agreement supersedes any other agreement or proposal, oral or written (including information on the Site), and any other communications between Vision Media Group and you. This Agreement will be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of laws. Any matter and/or dispute relating in any way to your visit to or interaction with the Site, including compliance with these Terms, shall be submitted to binding confidential arbitration in California, California as provided in the Section titled “Arbitration” (below). Notwithstanding the foregoing, to the extent you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in the state courts of the State of California or the United States District Court for the Southern District of California, and you consent to exclusive personal jurisdiction and venue in such courts.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Any dispute resolution proceedings relating to these Terms or the Site will be conducted only on an individual basis and not as a class, consolidated, joined or representative action and the parties expressly waive all rights to commence or participate in any class, consolidated or representative action/proceeding. You agree that Vision Media Group agreement to arbitrate claims constitutes consideration for such waiver.
Notwithstanding Vision Media Group’s right to modify these Terms, Vision Media Group agrees that any such modification to the dispute and/or arbitration requirements in these Terms shall not apply to claims arising prior to the date of such modification.


Arbitration

Arbitration under these Terms shall be conducted under the prevailing rules of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. In the event, for any reason, arbitration is not permitted by applicable law, the parties waive all rights to trial by jury and waive all right to commence or participate in any class action, consolidated, representative or class proceedings.

You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity.

You agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this Agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.

You also agree that any dispute or cause of action arising out of or related to the Websites, Services or Content must be commenced within one year from the later of (1) when the dispute or cause of action accrues or, (2) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.


Contact Information

Please send us an email at privacy@PolicyGuardians.com or write to: 1041 N Dupont Hwy #1575, Dover, DE 19901  if you have any questions, comments, or concerns relating to our website, these Terms, or our Privacy Policy.

Terms and Conditions



Last Updated and effective: July 29th, 2024

Please review the following Terms of Use (the “Terms”), which govern your use of policyguardians.com (the “Site”, “we”, “us”, or “our”). By using the site, you agree to follow and be bound by these Terms of Use. We reserve the right to update or modify these Terms at any time without prior notice. For this reason, we encourage you to review these Terms each time you use the Site. If you do not agree to these Terms, please do not use the Site.


Privacy Policy.

By using the Site, you agree to the terms of our Privacy Policy, which you can access here.


Site Modification Or Suspension.

We reserve the right, at any time in our sole discretion, to modify, suspend or discontinue the Site or any service, content, feature or product offered through the Site, with or without notice. You agree that we shall not be liable to any third party for any modification, suspension or discontinuance of the Site, or any service, content, feature or product offered through the Site.


License And Access.

Subject to your compliance with these Terms of Use, Vision Media Group grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal and non-commercial use of the Site and any services provided thereon. This license does not include any resale or commercial use of any Site’s content, any downloading or copying of registration information for the benefit of another merchant, any derivative use of this Site or its content; or any use of robots, data mining, or similar data gathering and extraction tools. The Site or any portion of it may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Vision Media Group. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including text, images of page layout, or form) of Vision Media Group and our affiliates without express written consent. You may not use any meta tags or any other “hidden text” utilizing the Vision Media Group name or trademarks without the express written consent of Vision Media Group. All rights not expressly granted to you in these Terms of Use are reserved and retained by Vision Media Group, its affiliates, licensors, publishers, rights holders or other content providers. Any unauthorized use of the Site or services provided terminates the permission or license to access and use the site.


Intellectual Property

This Site and the Content available on the Site are our property or the property or our affiliates and licensors, and are protected by copyright, trademark and other intellectual property rights. Subject to the Terms, you are granted a non-exclusive non-transferable license to use the Site solely for your personal, non-commercial use. You may not use the Site or the content available on the Site in a manner that infringes on our rights or that has not been authorized by us. More specifically, unless explicitly authorized in these Terms or by the owner of the content, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, perform, display or distribute in any manner or medium (including by e-mail or other electronic means) any material from the Site. You may, however, from time to time, download or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.


Copyright Complaints.

If you believe your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the written information specified below:

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
A description where the material that you claim is infringing is located on the site;
A description of the copyrighted work that you claim has been infringed upon;
Your address, telephone number, and email address;
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
 
Vision Media Group’s Copyright Agent for notice of claims of copyright infringement on Vision Media Group can be reached at:

privacy@PolicyGuardians.com


Your Comments Reviews And Other Content Posted: 

You may have the opportunity to post comments, write reviews, or provide other content on this Site (“Posted Content”). If you choose to provide Posted Content on the Site, you represent that you are the owner of the content, or that you have the express authorization of the owner to post or submit that content. Further, when you submit or post any content, you grant us and anyone we authorize, a royalty-free, non-exclusive, fully sub-licensable, perpetual, irrevocable, unrestricted, worldwide license to use, display, copy, modify, transmit, cache, store, archive, index, categorize, comment on, tag, sell, exploit, create derivative works from, incorporate into other works, distribute, and/or digitally perform or publicly perform or display such posted content, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose, including without limitation the right to transfer to third parties the right to use, exhibit and otherwise exploit such content (in whole or in part), as modified by us in its sole discretion. This license is non-exclusive, except that you agree we shall retain the exclusive right to practice this license to the extent of combining your Posted Content with the Posted Content of other Site users, which we may use to construct or populate a searchable database of product reviews. You acknowledge and agree that we and our partners are entitled to retain any revenue generated from the display of advertising, promotional campaigns, content syndication and distribution arrangements that include or feature any of the Posted Content you submit.

The foregoing shall include the right to exploit any proprietary rights in such Posted Content or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. In connection with the exercise of such rights, you also grant us, and anyone authorized by us, the right to identify you as the author of any of your content postings or submissions by name, e-mail address or screen name, as we deem appropriate. We are not obligated to give credit or pay any compensation for your Posted Content.
We expressly prohibit the posting of any comments, reviews or other content that is illegal, threatening, defamatory, obscene, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, commercial solicitation, political campaigning, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a comment or other content. We reserve the right (but not the obligation) to remove or edit such content, but do not regularly review posted content. We have the right but not the obligation to oversee and edit or remove any activity or content. We claim no responsibility and assume no liability for any Posted Content uploaded by you or any third party to the Site.


Use Restrictions And Registration

You may not use or register with the Site if you are under thirteen (18) years of age. However, certain services offered on or through the Site may require you to be eighteen (18) years old, for instance, purchasing products, entering into sweepstakes, and participating in sampling and product gifting programs. If you are under 18, do not use those portions of the Site or those services. You agree that the information that you provide to us upon registration, and at all other times will be true, accurate, current and complete. Registration is limited to one account per user, and user is solely responsible for keeping your password secure and for any activities or actions taken under your password, whether or not you have authorized such activities or actions. You shall immediately notify Vision Media Group of any unauthorized use of your password. By using the Site and/or accessing the services, you represent and warrant that you have the right, authority and capacity to enter into these Terms and to abide by all of the terms and conditions set forth in these Terms. This Site is administered in the United States and intended for U.S. users; any use outside of the U.S. is at your own risk and you are responsible for compliance with any local laws applicable to your use of the Site or access to the Services.


Third-Party Content

Third parties not affiliated with us may offer services or products on the Site.  We do not warrant or assume any responsibility or liability for the actions, offers or content of third parties who may have advertisements or links on our site. You should carefully review their privacy statements and other conditions of use.


Errors and Delays

You agree that Vision Media Group is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.
Disclaimer Of Warranties And Limitation Of Liability

THIS SITE IS PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOU WARRANTY OF ANY KIND. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. WE DO NOT WARRANT THAT THE WEBSITE, CONTENT OR SERVICES WILL PROVIDE SPECIFIC RESULTS. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. UNDER NO CIRCUMSTANCES WILL Vision Media Group BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES OR OTHER ITEMS LOCATED ON THE WEBSITES. Vision Media Group DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND.


Miscellaneous Terms

This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and Vision Media Group and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter hereof. If a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the latter incorporated terms shall control.

You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or unenforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.


Terms Applicable to Insurance Request Services: 

Vision Media Group is not a licensed insurance agency or broker and does not provide insurance quotes in accordance with RCW 48.17 or similar state statutes. The information Vision Media Group provides is not intended to take the place of professional advice from a licensed insurance agent, nor does it evaluate insurance providers or their policies. Vision Media Group recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.


Indemnity

You agree to indemnify and hold us, our parents, subsidiaries, affiliates, officers and employees, harmless, for any claims, liabilities, costs and expenses, including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of (i) your access to the Site, (ii) your use of the services, (iii) the violation of these Terms by you, (iv) the infringement by you, or any third party using your account or User ID or password, of any intellectual property or other right of any person or entity; (v) any content you post on this Site; and (vi) any products or services purchased by you in connection with this Site and/or the web sites of our third party partners, vendors and/or service providers.


Termination

While you use the Site, you avail yourself to the services provided by us and these Terms will remain in full force and effect. We may decide to cancel or terminate your right to use the Site, or any part of the Site, at any time without notice. In the event of any such cancellation or termination, you will no longer be authorized to access all of or the part of the Site affected by such cancellation or termination. The restrictions imposed on you with respect to any material downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms, shall survive any termination of your right to use the Site.


Choice Of Law, Disputes, And Jurisdiction. 

This Agreement, as well as the Vision Media Group and the Privacy Policy, is the complete and exclusive statement of the Agreement between Vision Media Group and you regarding the Site and the Services. This Agreement supersedes any other agreement or proposal, oral or written (including information on the Site), and any other communications between Vision Media Group and you. This Agreement will be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of laws. Any matter and/or dispute relating in any way to your visit to or interaction with the Site, including compliance with these Terms, shall be submitted to binding confidential arbitration in California, California as provided in the Section titled “Arbitration” (below). Notwithstanding the foregoing, to the extent you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in the state courts of the State of California or the United States District Court for the Southern District of California, and you consent to exclusive personal jurisdiction and venue in such courts.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Any dispute resolution proceedings relating to these Terms or the Site will be conducted only on an individual basis and not as a class, consolidated, joined or representative action and the parties expressly waive all rights to commence or participate in any class, consolidated or representative action/proceeding. You agree that Vision Media Group agreement to arbitrate claims constitutes consideration for such waiver.
Notwithstanding Vision Media Group’s right to modify these Terms, Vision Media Group agrees that any such modification to the dispute and/or arbitration requirements in these Terms shall not apply to claims arising prior to the date of such modification.


Arbitration

Arbitration under these Terms shall be conducted under the prevailing rules of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. In the event, for any reason, arbitration is not permitted by applicable law, the parties waive all rights to trial by jury and waive all right to commence or participate in any class action, consolidated, representative or class proceedings.

You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity.

You agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this Agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.

You also agree that any dispute or cause of action arising out of or related to the Websites, Services or Content must be commenced within one year from the later of (1) when the dispute or cause of action accrues or, (2) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.


Contact Information

Please send us an email at privacy@PolicyGuardians.com or write to: 1041 N Dupont Hwy #1575, Dover, DE 19901  if you have any questions, comments, or concerns relating to our website, these Terms, or our Privacy Policy.

As low as $1.43/day

Terms & Conditions



Last Updated and effective: July 29th, 2024

Please review the following Terms of Use (the “Terms”), which govern your use of policyguardians.com (the “Site”, “we”, “us”, or “our”). By using the site, you agree to follow and be bound by these Terms of Use. We reserve the right to update or modify these Terms at any time without prior notice. For this reason, we encourage you to review these Terms each time you use the Site. If you do not agree to these Terms, please do not use the Site.


Privacy Policy.

By using the Site, you agree to the terms of our Privacy Policy, which you can access here.


Site Modification Or Suspension.

We reserve the right, at any time in our sole discretion, to modify, suspend or discontinue the Site or any service, content, feature or product offered through the Site, with or without notice. You agree that we shall not be liable to any third party for any modification, suspension or discontinuance of the Site, or any service, content, feature or product offered through the Site.


License And Access.

Subject to your compliance with these Terms of Use, Vision Media Group grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal and non-commercial use of the Site and any services provided thereon. This license does not include any resale or commercial use of any Site’s content, any downloading or copying of registration information for the benefit of another merchant, any derivative use of this Site or its content; or any use of robots, data mining, or similar data gathering and extraction tools. The Site or any portion of it may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Vision Media Group. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including text, images of page layout, or form) of Vision Media Group and our affiliates without express written consent. You may not use any meta tags or any other “hidden text” utilizing the Vision Media Group name or trademarks without the express written consent of Vision Media Group. All rights not expressly granted to you in these Terms of Use are reserved and retained by Vision Media Group, its affiliates, licensors, publishers, rights holders or other content providers. Any unauthorized use of the Site or services provided terminates the permission or license to access and use the site.


Intellectual Property

This Site and the Content available on the Site are our property or the property or our affiliates and licensors, and are protected by copyright, trademark and other intellectual property rights. Subject to the Terms, you are granted a non-exclusive non-transferable license to use the Site solely for your personal, non-commercial use. You may not use the Site or the content available on the Site in a manner that infringes on our rights or that has not been authorized by us. More specifically, unless explicitly authorized in these Terms or by the owner of the content, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, perform, display or distribute in any manner or medium (including by e-mail or other electronic means) any material from the Site. You may, however, from time to time, download or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.


Copyright Complaints.

If you believe your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the written information specified below:

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
A description where the material that you claim is infringing is located on the site;
A description of the copyrighted work that you claim has been infringed upon;
Your address, telephone number, and email address;
A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
 
Vision Media Group’s Copyright Agent for notice of claims of copyright infringement on Vision Media Group can be reached at:

privacy@PolicyGuardians.com


Your Comments Reviews And Other Content Posted: 

You may have the opportunity to post comments, write reviews, or provide other content on this Site (“Posted Content”). If you choose to provide Posted Content on the Site, you represent that you are the owner of the content, or that you have the express authorization of the owner to post or submit that content. Further, when you submit or post any content, you grant us and anyone we authorize, a royalty-free, non-exclusive, fully sub-licensable, perpetual, irrevocable, unrestricted, worldwide license to use, display, copy, modify, transmit, cache, store, archive, index, categorize, comment on, tag, sell, exploit, create derivative works from, incorporate into other works, distribute, and/or digitally perform or publicly perform or display such posted content, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose, including without limitation the right to transfer to third parties the right to use, exhibit and otherwise exploit such content (in whole or in part), as modified by us in its sole discretion. This license is non-exclusive, except that you agree we shall retain the exclusive right to practice this license to the extent of combining your Posted Content with the Posted Content of other Site users, which we may use to construct or populate a searchable database of product reviews. You acknowledge and agree that we and our partners are entitled to retain any revenue generated from the display of advertising, promotional campaigns, content syndication and distribution arrangements that include or feature any of the Posted Content you submit.

The foregoing shall include the right to exploit any proprietary rights in such Posted Content or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. In connection with the exercise of such rights, you also grant us, and anyone authorized by us, the right to identify you as the author of any of your content postings or submissions by name, e-mail address or screen name, as we deem appropriate. We are not obligated to give credit or pay any compensation for your Posted Content.
We expressly prohibit the posting of any comments, reviews or other content that is illegal, threatening, defamatory, obscene, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, commercial solicitation, political campaigning, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a comment or other content. We reserve the right (but not the obligation) to remove or edit such content, but do not regularly review posted content. We have the right but not the obligation to oversee and edit or remove any activity or content. We claim no responsibility and assume no liability for any Posted Content uploaded by you or any third party to the Site.


Use Restrictions And Registration

You may not use or register with the Site if you are under thirteen (18) years of age. However, certain services offered on or through the Site may require you to be eighteen (18) years old, for instance, purchasing products, entering into sweepstakes, and participating in sampling and product gifting programs. If you are under 18, do not use those portions of the Site or those services. You agree that the information that you provide to us upon registration, and at all other times will be true, accurate, current and complete. Registration is limited to one account per user, and user is solely responsible for keeping your password secure and for any activities or actions taken under your password, whether or not you have authorized such activities or actions. You shall immediately notify Vision Media Group of any unauthorized use of your password. By using the Site and/or accessing the services, you represent and warrant that you have the right, authority and capacity to enter into these Terms and to abide by all of the terms and conditions set forth in these Terms. This Site is administered in the United States and intended for U.S. users; any use outside of the U.S. is at your own risk and you are responsible for compliance with any local laws applicable to your use of the Site or access to the Services.


Third-Party Content

Third parties not affiliated with us may offer services or products on the Site.  We do not warrant or assume any responsibility or liability for the actions, offers or content of third parties who may have advertisements or links on our site. You should carefully review their privacy statements and other conditions of use.


Errors and Delays

You agree that Vision Media Group is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.
Disclaimer Of Warranties And Limitation Of Liability

THIS SITE IS PROVIDED BY US ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOU WARRANTY OF ANY KIND. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. WE DO NOT WARRANT THAT THE WEBSITE, CONTENT OR SERVICES WILL PROVIDE SPECIFIC RESULTS. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. UNDER NO CIRCUMSTANCES WILL Vision Media Group BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF YOUR RELIANCE ON OR USE OF THE WEBSITES, CONTENT, SERVICES OR OTHER ITEMS LOCATED ON THE WEBSITES. Vision Media Group DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. ADDITIONALLY, THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THE WEBSITES DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY US. ALL SUCH INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND.


Miscellaneous Terms

This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and Vision Media Group and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter hereof. If a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the latter incorporated terms shall control.

You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or unenforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.


Terms Applicable to Insurance Request Services: 

Vision Media Group is not a licensed insurance agency or broker and does not provide insurance quotes in accordance with RCW 48.17 or similar state statutes. The information Vision Media Group provides is not intended to take the place of professional advice from a licensed insurance agent, nor does it evaluate insurance providers or their policies. Vision Media Group recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.


Indemnity

You agree to indemnify and hold us, our parents, subsidiaries, affiliates, officers and employees, harmless, for any claims, liabilities, costs and expenses, including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of (i) your access to the Site, (ii) your use of the services, (iii) the violation of these Terms by you, (iv) the infringement by you, or any third party using your account or User ID or password, of any intellectual property or other right of any person or entity; (v) any content you post on this Site; and (vi) any products or services purchased by you in connection with this Site and/or the web sites of our third party partners, vendors and/or service providers.


Termination

While you use the Site, you avail yourself to the services provided by us and these Terms will remain in full force and effect. We may decide to cancel or terminate your right to use the Site, or any part of the Site, at any time without notice. In the event of any such cancellation or termination, you will no longer be authorized to access all of or the part of the Site affected by such cancellation or termination. The restrictions imposed on you with respect to any material downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms, shall survive any termination of your right to use the Site.


Choice Of Law, Disputes, And Jurisdiction. 

This Agreement, as well as the Vision Media Group and the Privacy Policy, is the complete and exclusive statement of the Agreement between Vision Media Group and you regarding the Site and the Services. This Agreement supersedes any other agreement or proposal, oral or written (including information on the Site), and any other communications between Vision Media Group and you. This Agreement will be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of laws. Any matter and/or dispute relating in any way to your visit to or interaction with the Site, including compliance with these Terms, shall be submitted to binding confidential arbitration in California, California as provided in the Section titled “Arbitration” (below). Notwithstanding the foregoing, to the extent you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in the state courts of the State of California or the United States District Court for the Southern District of California, and you consent to exclusive personal jurisdiction and venue in such courts.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Any dispute resolution proceedings relating to these Terms or the Site will be conducted only on an individual basis and not as a class, consolidated, joined or representative action and the parties expressly waive all rights to commence or participate in any class, consolidated or representative action/proceeding. You agree that Vision Media Group agreement to arbitrate claims constitutes consideration for such waiver.
Notwithstanding Vision Media Group’s right to modify these Terms, Vision Media Group agrees that any such modification to the dispute and/or arbitration requirements in these Terms shall not apply to claims arising prior to the date of such modification.


Arbitration

Arbitration under these Terms shall be conducted under the prevailing rules of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. In the event, for any reason, arbitration is not permitted by applicable law, the parties waive all rights to trial by jury and waive all right to commence or participate in any class action, consolidated, representative or class proceedings.

You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity.

You agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this Agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.

You also agree that any dispute or cause of action arising out of or related to the Websites, Services or Content must be commenced within one year from the later of (1) when the dispute or cause of action accrues or, (2) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.


Contact Information

Please send us an email at privacy@PolicyGuardians.com or write to: 1041 N Dupont Hwy #1575, Dover, DE 19901  if you have any questions, comments, or concerns relating to our website, these Terms, or our Privacy Policy.