Standard Terms and Conditions

The last update to our Terms of Use was posted on January 13, 2025

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Aria Leads, Inc., (“us”, “we”, “ours”, or “Company”) operates a service that connects homeowners that have a mortgage on their home with insurance agents that offer mortgage protection insurance quickly and easily.  This web page represents a legal document that serves as our Terms of Use and it governs the legal terms of our websites, sub-domains, and any associated web-based and mobile applications (collectively, “Website”), as owned and operated by Company.

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PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING THIS WEBSITE, YOU ARE AGREEING TO BE BOUND BY THESE WEB SITE TERMS AND CONDITIONS OF USE, ALL APPLICABLE LAWS AND REGULATIONS, AND AGREE THAT YOU ARE RESPONSIBLE FOR COMPLIANCE WITH ANY APPLICABLE LAWS. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, YOU ARE PROHIBITED FROM USING OR ACCESSING THIS SITE. 

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Capitalized terms, unless otherwise defined, have the meaning specified within the Definitions section below. This Terms of Use, along with our Privacy Policy, and other posted guidelines within our Website (collectively “Legal Terms”), constitute the entire and only agreement between you and Company, and supersede all other agreements, representations, warranties, and understandings with respect to our Website and the subject matter contained herein unless you sign up for one of our additional services.  Our “Service” represents the collective functionality and features as offered through our Website.

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We may amend our Legal Terms at any time without specific notice to you. The latest copies of our Legal Terms will be posted on our Website, and you should review all Legal Terms prior to using our Website. After any revisions to our Legal Terms are posted, your continued use of the Website shows your agreement to be bound to any such revisions. Therefore, it is important for you to periodically review our Legal Terms to make sure you still agree to them.

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Use License

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Subject to your full compliance with the Legal Terms, we grant you a nonexclusive, nontransferable, non-sublicenseable, terminable license to access and use the Website and Service for your personal use. All text, information, graphics, audio, video, and data offered through our Website are collectively known as our “Content”.

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You agree not to: (i)duplicate, sell, re-sell, modify or copy the Content; (ii) use the Content for any commercial purpose, or for any public display (commercial or non-commercial); (iii) attempt to decompile or reverse engineer any software contained on Company’s web site; (iv) remove any copyright or other proprietary notations from the materials; or (v) transfer the materials to another person or “mirror” the materials on any other server.

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We reserve the right, at our discretion, to change, suspend, discontinue, or modify any aspect of any Website.  Such modifications may include, without limitation, changes in content, user priorities, and discontinuance of functional aspects of any Website.  We are not liable to any user or third party for any such change, suspension, discontinuance or modification to the Website and/or Service.

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Restricted Uses

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As a condition of your access and use of the Website and Services, you agree to not use the Sites and Services for any unlawful purpose or prohibited by these Legal Terms.  By way of example, and without limitation, you agree not to:

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1. Provide any false or misleading information;

2. Use the Websites and Services in any manner that violates any Applicable Law (as defined below) or that infringes, misappropriates or violates any third party’s rights, including, but not limited to, any third party’s rights of publicity, rights of privacy, contractual rights, or confidentiality;

3. Use the Website and Services to harass, threaten, intimidate, impersonate, or attempt to impersonate, any other person, falsify your contact or other information, or otherwise attempt to mislead others;

4. Use the Website and Services if you are under the age of eighteen (18);

5. Use the Website and Services in any way that could interfere with the rights of Company or the rights of others;  or

6. Access, download, monitor, mirror, or copy any information contained on our Website and Services through artificial means (including but not limited to use of any ‘deep-link’, ‘scraper’, ‘robot’, ‘spider’ or other automatic device, program, algorithm, or methodology), or any similar or equivalent automatic or manual process, to obtain or attempt to obtain any Content, materials, documents, or information through any means not purposely made available through the Website or Services.

 

Electronic Communication

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You are connecting with us electronically when you go to the Site or send out emails to us. All disclosures and communication will be provided to you electronically either on our Website or via your designated email address. Your consent to receive electronic communications only applies to us.

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Legal Compliance

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You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of our Website including but not limited to, the Telephone Consumer Protection Act (“TCPA”), the Telemarketing Sales Rule (“TSR”),  Controlling the Assault of Non-Solicited Pornography and Marketing Act  (“CAN-SPAM Act”), the Health Insurance Portability and Accountability Act (“HIPAA”), the California Consumer Privacy Act (“CCPA”), or applicable Medicare regulations (collectively, “Applicable Laws”). The Company reserves the right to investigate complaints or reported violations of our Legal Terms and to take any action we deem appropriate, including but not limited to canceling your account, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties,lead and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information, as allowed under our Privacy Policy.

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Intellectual Property

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Our Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of our Website does not constitute any right or license for you to use such service marks/trademarks, without the prior written permission of the corresponding service mark/trademark owner. You should assume all Content and material made available on the Site is protected by copyright law.

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Disclaimer

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THE WEBSITE AND ALL DETAILS, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE APPLICATION) AND SERVICES CONSISTED OF ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE ARE PROVIDED BY COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING.  EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THE TERMS, COMPANY DOES NOT REPRESENT OR WARRANT THAT (I) THE SITES AND/OR SERVICES WILL MEET YOUR REQUIREMENTS, (II) THE SITES AND/OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS OR INFORMATION THAT MAY BE OBTAINED FROM THE USE OF THE SITES AND/OR SERVICES WILL BE ACCURATE OR RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITES WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.

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TO THE COMPLETE EXTENT PERMISSIBLE BY APPLICABLE LAW, COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND PHYSICAL FITNESS FOR A PARTICULAR PURPOSE. COMPANY DOES NOT WARRANT THAT THIS WEBSITE; DETAILS, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE APPLICATION) OR SERVICES CONSISTED OF ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE; ITS SERVERS; OR EMAIL SENT FROM COMPANY ARE WITHOUT VIRUSES OR OTHER HARMFUL ELEMENTS.

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Limitation of Liability

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COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE OR FROM ANY DETAILS, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE APPLICATION) OR SERVICES CONSISTED OF ON OR OTHERWISE MADE AVAILABLE TO YOU WITH THIS SITE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, COMPENSATORY, OR CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE POINTED OUT IN WRITING.

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NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, IN NO EVENT SHALL COMPANY’S LIABILITY DEVELOPING FROM OR IN CONNECTION WITH THE SITE OR YOUR USE OF THE WEBSITE, DESPITE THE REASON FOR ACTION (WHETHER IN AGREEMENT, TORT, BREACH OF SERVICE WARRANTY OR OTHERWISE), EXCEED U.S. $1,000.00.  TO THE MAXIMUM EXTENT PERMITTED BY LAW, THESE LIMITATIONS AND EXCLUSIONS APPLY TO ANY CLAIMS RELATED TO THESE LEGAL TERMS OR TO THE SERVICES.

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Links to Other Websites

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Our Website may contain links to third party websites. These links are provided solely as a convenience to you. By linking to these websites, we do not create or have an affiliation with, or sponsor such third party websites. The inclusion of links within our Website does not constitute any endorsement, guarantee, warranty, or recommendation of such third party websites. Company has no control over the legal documents and privacy practices of third party websites; as such, you access any such third party websites at your own risk.

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Governing Law

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Any claim relating to Company’s Website shall be governed by the laws of Florida without regard to its conflict of law provisions, and you consent to exclusive jurisdiction and venue in such courts.

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Indemnity

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You agree to defend, indemnify, and hold harmless Company, its affiliates, and their corresponding officers, owners, employees, directors, agents, successors, assigns, and designees, from and against any and all  costs, expenses, and losses (including reasonable attorneys’ fees and costs) incurred through any claim, lawsuit, demand or cause of action brought by a third party that arise or resulting from (i) any breach or violation of any Applicable Laws; (ii) any Content of most material you offer to the Site, (iii) your use of any Content, or (iv) any violation of these Terms of Use by you.  Company will have sole control of the defense of any such claim.

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General Terms

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Our Legal Terms shall be treated as though it were executed and performed in Florida, United States and shall be governed by and construed in accordance with the laws of Florida, United States without regard to conflict of law principles. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to our Website, must be instituted within one (1) year after the cause of action arose or be forever waived and barred. Should any part of our Legal Terms be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content in our Website conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take precedence. Our failure to enforce any provision of our Legal Terms shall not be deemed a waiver of such provision nor of the right to enforce such provision. The rights of Company under our Legal Terms shall survive the termination of our Legal Terms.​