Terms of Service
Here's what you're agreeing to by accessing or using the website and related mobile app provided by Insedia.com (collectively, the “Insedia.com Service”):
We reserve the right to modify or replace these Terms of Service at any time and in our sole discretion. When we do, we will update the last revised date at the top of this Agreement. Any changes will be effective immediately upon posting the revised version (or such later effective date as may be indicated at the top of the revised Terms of Service). It is your responsibility to regularly check the Insedia.com website to determine if there have been changes. Your continued use of the Insedia.com Service following the posting of any changes to the Terms of Service will constitute your acceptance of any such changes. If you do not agree to the changes, you must stop using the Insedia.com Service.
Grant of Limited License for Personal Use
You ("you" or "user" or "the user") are hereby granted a limited, revocable, personal license to use the Insedia.com website and associated applications only for your own personal, non-commercial purposes. You are strictly prohibited from, and agree that you will not, adapt, edit, change, modify, transform, publish, republish, distribute, or redistribute this website and associated applications, or the material contained therein, in any form or media, without the prior written consent of Insedia.com. You agree not to use any automated data collection methods, data mining, robots, or scraping, or any data gathering methods of any kind on this website and associated applications.
The Insedia.com Service is designed to help solve individual financial problems within the rule of law using personal responsibility, creativity, and dignity, and Insedia.com grants you a limited and revocable right to use the Service for those purposes. You represent that all information you supply on the Service is true, accurate, current and complete. If you purchase a product advertised on Insedia.com for another person, you represent that you are authorized to make that purchase, and you agree to inform that person about all terms, conditions, rules, and restrictions applicable to that purchase. Without separate, written permission from Insedia.com in advance, you may not: (i) reuse or "scrape" Insedia.com’s data for use in another service or website, (ii) attempt to circumvent any controls or limitations Insedia.com places on your ability to access Insedia.com or information on the Insedia.com Service, including by means of robot exclusion headers, (iii) use any bots, scrapers, brute-force tools, or other automated methods for accessing, slowing down, or disabling the Insedia.com Service or otherwise interfering with the proper function of the website, (iv) "frame," "mirror," or otherwise incorporate any part of the Insedia.com Service into any other website or service, or (v) take any action that imposes, or may impose (as determined at our discretion), an unreasonable or disproportionately large load on the Insedia.com Service.
If you are looking for consumer or financial product information for a commercial purpose, you may not use Insedia.com to find information and then purchase products found on Insedia.com through another website or service. If you are using Insedia.com for a non-commercial reason (such as for personal use), you may choose to purchase your financial products elsewhere (although we'd certainly prefer if you used the links we provide!).
The Insedia.com Service, and all information, data and other content and materials available on the Insedia.com Service, including, but not limited to, the Insedia.com logo and all designs, text, documents, graphics, software, sounds files, other files and the selection and arrangement thereof are the proprietary property of Insedia.com and its suppliers and licensors and are protected by U.S. and international intellectual property laws. Insedia.com and its suppliers and licensors reserve all right, title, and interest, including all intellectual property rights, in and to all such information, data, and other content and materials.
Insedia.com, Insedia, and the Insedia.com logo are trademarks of Insedia.com, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Insedia.com. All other trademarks, product names and company names or logos mentioned on the Insedia.com website are property of their respective owners. You understand that reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise, does not constitute or imply endorsement, sponsorship, or recommendation thereof by us, or vice versa.
Enforcement of Copyright and Protection of Intellectual Property
If Insedia.com discovers that you have used its copyrighted or other protected materials in contravention of the terms of this license, Insedia may bring legal proceedings against you, seeking monetary damages and an injunction against you. You could also be adjudged to pay legal fees and costs. If you become aware of any improper use of copyrighted, trademarked, or otherwise protected materials, immediately discontinue such use and contact Insedia, LLC.
Subject to these Terms of Service, Insedia.com may make beta and other pre- release services, and related documentation, materials, and information (collectively, the "Pre-Release Services") available to you from time to time for the purpose of providing Insedia.com with feedback on the quality and usability of the Pre-Release Services. You understand and agree that your use of the Pre-Release Services is solely for testing and evaluation purposes in connection with the Insedia.com Service and will not be used for any commercial purposes. During your participation in the Pre-Release Services, Insedia.com is not obligated to provide you with any maintenance, technical or other support for the Pre-Release Services. You acknowledge that Insedia.com has no express or implied obligation to announce or make available a commercial version of the Pre-Release Services to anyone in the future. Should a commercial version be made available, it may have features or functionality that are different from those found in the Pre-Release Services.
Disclaimer of Warranties
THE INSEDIA.COM SERVICE AND ANY PRE-RELEASE SERVICES ARE OFFERED "AS IS"—THAT MEANS WE DON'T GUARANTEE THE QUALITY, QUANTITY, COMPLETENESS, ACCURACY, AVAILABILITY, OR SPEED OF THE INSEDIA.COM SERVICE AND ANY PRE-RELEASE SERVICES, OR MAKE ANY OTHER REPRESENTATION ABOUT THE INFORMATION WE DISPLAY, INCLUDING BUT NOT LIMITED TO: PRICES, QUANTITIES, RETAILERS, AVAILABILITY, SHIPPING CLASSES, SCHEDULES, PHOTOGRAPHS, RATINGS, TERMS, CONDITIONS, RATES, OR THE HELP WE PROVIDE VIA LIVE CHAT OR EMAIL.
INSEDIA.COM AND ITS LICENSORS AND SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND—EXPRESS OR IMPLIED—INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. INSEDIA.COM DISCLAIMS ALL WARRANTIES AND CONDITIONS THAT THE SERVICE OR ANY EMAIL SENT FROM INSEDIA.COM IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
NO INFORMATION OR ADVICE, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM INSEDIA.COM WILL CREATE ANY WARRANTY THAT IS NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW DISCLAIMER OF WARRANTIES AND YOU MAY HAVE OTHER RIGHTS THAT VARY BY JURISDICTION. IN SUCH JURISDICTIONS, THE FOREGOING DISCLAIMERS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.
Limitation of Liability
IN EXCHANGE FOR INSEDIA.COM’S PROVISION OF THE INSEDIA.COM SERVICE TO YOU, YOU AGREE THAT INSEDIA.COM IS ENTITLED TO A LIMITATION OF LIABILITY. WHAT THAT MEANS IS THAT IN NO EVENT WILL INSEDIA.COM—OR ITS LICENSORS OR SUPPLIERS—BE LIABLE ON ANY CLAIMS ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE INSEDIA.COM SERVICE, ON ANY THEORY, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THIS LIMITATION OF LIABILITY APPLIES TO, BUT SHALL NOT BE LIMITED TO ANY CLAIM FOR: (I) DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, SUCH AS DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR OTHER INTANGIBLE LOSSES (EVEN IF INSEDIA.COM OR ANY SUPPLIER OR LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES); (II) THE COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS OR SERVICES; (III) INTERRUPTION OF USE OR LOSS OR CORRUPTION OF DATA; OR (IV) ANY AMOUNTS PAID BY YOU TO ANY OF INSEDIA.COM’S BUSINESS PARTNERS, INCLUDING BUT NOT LIMITED TO OUR DATA PROVIDERS AND THE SITES TO WHICH WE LINK. IN NO EVENT WILL INSEDIA.COM BE LIABLE TO YOU FOR ANY MORE THAN THE TOTAL AMOUNTS YOU HAVE PERSONALLY PAID TO INSEDIA.COM.
THIS LIMITATION OF LIABILITY SHALL ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY REASON OF OTHER SERVICES OR PRODUCTS RECEIVED THROUGH OR ADVERTISED ON THE INSEDIA.COM SERVICE, OR ADVICE RECEIVED THROUGH OR ADVERTISED ON THE INSEDIA.COM SERVICE, OR SERVICES, PRODUCTS OR ADVICE RECEIVED THROUGH ANY LINKS PROVIDED IN THE INSEDIA.COM SERVICE. (OF PARTICULAR IMPORTANCE, THIS MEANS WE ARE NOT RESPONSIBLE IF YOUR PRODUCT ORDER IS UNSATISFACTORY, DELAYED, ALTERED, OR CANCELED.) THE INCLUSION, RECEPTION, OFFERING, OR ADVERTISING OF ANY SERVICES OR PRODUCTS THROUGH OR ON THE INSEDIA.COM SERVICE DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH SERVICES OR PRODUCTS BY INSEDIA.COM.
EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THE FOREGOING SHALL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.
The Insedia.com Service is controlled and offered by Insedia.com in the United States of America. Insedia.com makes no representations that the Insedia.com Service is appropriate or available for use in other locations. Those who access or use the Insedia.com Service from other jurisdictions do so at their own volition and are responsible for compliance with local law.
Third Party Content and Services
As you may notice, the Insedia.com Service may contain links to third party products, services and/or websites. We don't have any control over these third parties, and we are not responsible for their performance. We also don't endorse them, and are not responsible for their terms, their privacy, data security, or other practices, or their content, advertising, or other materials they may provide to you. Your security when using these third parties is your responsibility.
You may integrate various functionalities from other services, such as Facebook, Microsoft Outlook, and Google Calendar, with the Insedia.com service. If you choose to integrate another service's functionality with Insedia.com, you understand that that service's terms and conditions are what govern your relationship with that service, not these Terms of Service.
You also may interact with Insedia.com via a third party service, such as Facebook Messenger or Slack. Again, you understand that your relationships with those third-party services are governed by the terms of service for those services, not these Terms of Service, and that we are not responsible for these third parties' privacy, data security, or other practices, or their content, advertising, or other materials they may provide to you.
PitchFork Password Search
This is a free non-commercial service of already compromised information. We have collected it or intercepted it from internet sources and are presenting it to you to help you fight cybercrime and identity theft. We have not validated the billions of records for accuracy. The results may show a file name, which is what we found in the underground. There may be duplicate information in multiple files.
If you are an identity theft victim and want the corresponding account to the passwords, please send us a copy of a police report and your phone number with an area code corresponding to the address on the report. Or have your law enforcement officer contact us. Upon authentication, we will gladly assist you with all relevant information.
Purchasing Personal Financial and Security Products Through Our Retail Partners
You understand that the applicable retail partner's terms govern your ecommerce transaction, and that in the event of any material conflict between those terms and this Agreement with respect to your retail transaction or other use of the search feature, those terms shall prevail. Insedia.com has no control over its third-party retail partners and is not responsible for their terms, their privacy, data security or other practices, their performance, or their content, advertising, or other materials they may provide to you, whether or not provided through the Service.
Modifications to the Insedia.com Service
We're still working on the Insedia.com service, so from time to time we may modify, discontinue, or restrict, temporarily or permanently, portions or all of the Insedia.com service. We may do this without notifying you. We reserve our right to make these changes for any reason or no reason at all. We also reserve our right to terminate your license to use the Insedia.com service, and to block, restrict or prevent your future access to or use of the service. Again, we may do this without notice to you, and for any or no reason. Neither we nor our retailer partners or licensors will be liable to you or to any third party for any modification, discontinuance or restriction of the Insedia.com service.
If you have any problems using the Insedia.com service, we're sorry! Our customer support representatives at contact@Insedia.com are ready to assist you. To help resolve your issue, the customer service representative who's assisting you may log in to the Insedia.com service under your username, but only with your permission and only for the duration of the customer service session. Customer service representatives don't know your account password, and you don't need to provide it in order for them to help you.
You may also choose to contact Insedia.com on a third-party messenger service to receive immediate responses to your questions.
Ability to Accept Terms of Service
You affirm that you are either at least 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Service, and to abide by and comply with these Terms of Service. Insedia.com is not intended for or directed to persons under the age of 18. Any person who provides their information to Insedia.com through any part of the Insedia.com Service represents to Insedia.com that he or she is 18 years of age or older. If you are under the age of 18, then please do not use the Insedia.com Service.
These Terms of Service will continue to apply to you until either you or Insedia.com terminates this Agreement. If you connect to the Insedia.com Service using your Facebook or Google account, you may terminate this Agreement at any time by disconnecting your account from the Insedia.com Service and no longer using the Service thereafter. If you have created a Insedia.com account, you may terminate this Agreement at any time by sending a notice confirming such termination to Insedia.com by email at contact@Insedia.com.
Integration and Severability
This Agreement, and all legal issues arising from or related to the Insedia.com Service, shall be governed by and construed in accordance with the laws of the State of California without regard to that state's conflict of law provisions.
All disputes between you and Insedia.com will be resolved by BINDING ARBITRATION as described in more detail in the Arbitration Agreement included below. You thus GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this agreement (except for matters that may be taken to small claims court).
Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury and your claims cannot be brought as a class action. You are entitled to a fair hearing, but the arbitration procedures are simpler and more limited than they would be in court. Arbitrator decisions are as enforceable as any court order and are subject to very limited review by courts or judges.
Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted.
You agree that, by entering into this Agreement, you and Insedia.com are each waiving the right to a trial by jury or to participate in a class action. The Federal Arbitration Act governs the interpretation and enforcement of this provision. This arbitration provision shall survive termination of this Agreement and the termination of your use of the Insedia.com Service.
If you elect to seek arbitration, you must first send to Insedia.com, by certified mail, a written Notice of Dispute ("Notice"). The Notice to Insedia.com should be addressed to: Insedia.com, Attn: Legal, 1363 Ventura Boulevard, # 421, Sherman Oaks, CA 91423 ("Notice Address"). The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). If Insedia.com and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or Insedia.com may commence an arbitration proceeding or file a claim in small claims court. During the arbitration, the amount of any settlement offer made by Insedia.com or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Insedia.com is entitled. You may download or copy a form Notice and a form to initiate arbitration at www.adr.org. (The filing fee currently is $125 for claims under $10,000 but is subject to change by the arbitration provider. If you are unable to pay this fee, Insedia.com may pay it directly upon receiving a written request and statement of financial hardship at the Notice Address.)
The arbitration will be governed by the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Agreement, and will be administered by the AAA. The AAA Rules are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. The arbitrator is bound by the terms of this Agreement. All issues are for the arbitrator to decide, including issues relating to the scope and enforceability of this arbitration agreement. Unless Insedia.com and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your primary residence. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Except as otherwise provided for herein, Insedia.com will pay all AAA filing, administration, and arbitrator fees for any arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds in favor of Insedia.com as to the substance of your claim or the relief sought, you will reimburse Insedia.com for your portion of the filing fee. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all AAA filing, administration, and arbitrator fees will be governed by the AAA Rules. In such case, you agree to reimburse Insedia.com for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. In addition, if you initiate an arbitration in which you seek more than $10,000 in damages, the payment of these fees will be governed by the AAA rules.
The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. YOU AND INSEDIA.COM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Insedia.com agree otherwise, the arbitrator may not consolidate more than one person's claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.
Notwithstanding any provision in this Agreement to the contrary, we agree that if Insedia.com makes any future change to this arbitration provision (other than a change to the Notice Address), you may reject any such change by sending us written notice within 30 days of the change to the Arbitration Notice Address provided above. By rejecting any such change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this provision, and agree to promptly cease using the Insedia.com Service.
If you use Insedia.com’s mobile website access or mobile apps to access the Insedia.com Service (the "Mobile Service"), you accept and agree to be bound by the terms in this section, in addition to the rest of these Terms of Service. Your continued use of the Mobile Service is conditioned upon your compliance with these Mobile Terms.