TERMS OF SERVICE
Introduction
Greetings from the GravySpoon! You accept the terms and conditions outlined in the Terms of Service (formerly "Terms of Use") and our Privacy Policy by using the Website. These together constitute a binding contract between us and you.
The terms "Gravy," "GravySpoon," "we," "us," or "our" refer to GravySpoon Insurance Inc., including its subsidiaries such as GravySpoon Insurance US Company, GravySpoon Insurance Agency, Inc., GravySpoon Claims Management, Inc., and AP Intego Insurance Group, LLC. We operate as GravySpoon Online Insurance Services in California, Michigan, Minnesota, North Carolina, and Texas, and as GravySpoon Insurance Services in New York, North Dakota, and Virginia. The terms "you," "customer," and "user" refer to you as an individual user or any entity or organization you represent.
The term "Services" collectively refers to the website located at gravyspoon.com (the "Website"), as well as various websites, applications, widgets, information, services, email notifications, and other media associated with it or through which you accessed the Terms of Service.
Please note that the Terms of Service include an agreement to resolve all claims through arbitration and contain disclaimers of warranties and liability."
Privacy Policy
You confirm that you have read and comprehended our Privacy Policy by using our Services. By accepting the Terms of Service, you agree to be governed by the Privacy Policy's terms, which are fully incorporated into the Terms of Service. Additionally, you agree to our Cookies Policy, which is a part of our Privacy Policy.
Your Compliance with The Terms of Service
You confirm that you have read and comprehended our Privacy Policy by using our Services. By accepting the Terms of Service, you agree to be governed by the Privacy Policy's terms, which are fully incorporated into the Terms of Service. Additionally, you agree to our Cookies Policy, which is a part of our Privacy Policy.
Representation of Data Collection
You agree that GravySpoon may gather information from you, including Personal Data as described in Section 2 of our Privacy Policy, even if we are unable to provide you with any available goods or services for purchase. Currently, GravySpoon only offers its goods or services in a small selection of states, and it only offers a few types of insurance coverage. You consent that GravySpoon may use any information you voluntarily give us about you or a third party for market research, advertising, or other business-related purposes. This is true even if at the time you give us this information GravySpoon is unable to sell you or a third party any goods or services.
When submitting an application for a commercial auto insurance policy, you warrant that you have informed and acquired permission from your staff members so that we may collect any motor vehicle records pertaining to those staff members for the purpose of making underwriting decisions.
Registration
We automatically generate accounts for users so they can use certain aspects of our Services. Your username will be your email address. A one-time password or access to your email inbox will be needed for authentication during logins. You are not allowed to use an email address that impersonates or pretends to be someone else. In our sole discretion, we reserve the right to reject or cancel any username registration. You are in charge of protecting the privacy of your username and password. You further undertake to alert us right away of any unauthorized use of your login or password by sending an email to support@gravyspoon.com Additionally, you consent to promptly reviewing and responding to any transactional email messages we may send you pertaining to your GravySpoon account.
Use of Our Services
Our Services may not be used for personal, family, home, informative, or non-commercial purposes, nor may their underlying processes, associated content, or created data. Without GravySpoon's prior written authorization, you are not permitted to duplicate, copy, sell, distribute, relay, transmit, broadcast, or lease our Services, their underlying mechanisms, associated materials, or data-generating capabilities. You may not assign or otherwise transfer your usage of our Services to any other person or entity. Without limiting the above, maintenance on or issues with our equipment or networks, as well as unintentional actions by a third party or parties, may prevent you from accessing or using our services. We reserve the sole right, at any time, in our sole discretion, and without warning or permission, to suspend or end the availability of our Services.
Prohibited Activities
You are accountable for any information you send to GravySpoon via the GravySpoon Website, email, text, phone call, Facebook, Twitter, Yotpo Review, Google Review, or any other similar service. You guarantee that any transmissions you make to GravySpoon will be accurate, truthful, and supplied in good faith. You also guarantee that you have the legal right to send the information. You acknowledge that it is completely your duty to refrain from engaging in certain activities that we may determine to be forbidden while using this website. These forbidden actions include, but are not limited to:
Criminal or tortious activity, such as (i) fraud or misrepresentation, (ii) harassment (including verbal harassment), (iii) infringement or misappropriation of a third party's copyright, trademark, patent, trade secret, or other intellectual property, (iv) slander, libel, defamation, or use of content that is offensive, vulgar, or pornographic, and (v) use of content that encourages prejudice, bigotry, racism,
Soliciting any user to acquire or sell any goods or services through advertising;
Impersonating another user or entity, or attempting to do so;
Engaging in the use of deceptive email addresses, phone numbers, postal addresses, or contact information is strictly prohibited. It is also prohibited to utilize the email address, phone number, address, or contact information of another individual or entity without proper authorization;
Any attempts to access or search the Services, as well as engaging in any form of automated use of the system, are strictly prohibited. This includes activities such as employing scripts, spiders, crawlers, data mining tools, or similar methods to gather data, send comments or messages, participate in forums, or request information;
Trying to circumvent any security or authentication procedures, or probe, scan, or test the vulnerability of any GravySpoon system or network;
Disrupting, interfering with, or placing an excessive demand on our services or the supporting networks;
Gaining access to or tampering with secure sections of the Services, GravySpoon's computer network, or the technical delivery networks of GravySpoon's suppliers;
Avoiding, getting around, getting rid of, deactivating, interfering with, or otherwise getting around any technological safeguards put in place by GravySpoon, any of GravySpoon's providers, or any other permitted third party to safeguard the Services;
Without GravySpoon's express written consent, using mega tags or other hidden text or metadata that contain a GravySpoon trademark, logo, URL, or product name;
Using data from our services or data scraping from them for any reason;
Using the services in a manner prohibited by these terms of service, for profit, or for the benefit of a third party;
Sending fabricated, misleading, or changed source-identifying data through the Services;
Attempting to reverse engineer, interpret, decompile, or disassemble any of the software used to deliver the Services;
Interfere with, or make an effort to interfere with, any user's, host's, or network's access, including without limitation by flooding, overloading, or spamming the Services;
Without their express consent, collecting or keeping any personally identifiable information from other Service users;
Using our services in a way that is against any and all laws and rules that may apply; and
Encouraging or allowing anyone else to perform any of the aforementioned.
Observation of Services
In order to protect the rights and property of GravySpoon and it, we reserve the right, but are under no obligation, to: monitor our Services for violations of the Terms of Service by you or by third parties; take appropriate legal action against anyone who violates the Terms of Service; deny or restrict access to or availability of the Services to any user; remove the Services; or otherwise disable all files and content; and manage the Services in other ways.
Your Use of Our Services or Termination of Your Account
If you breach the Terms of Service, we have the right, in our sole discretion, to restrict, suspend, or terminate your use of or access to our Services. As permitted by law, we reserve the right to modify the Services or content, or otherwise restrict access to all or portions of our Services, without prior notice.
If permitted by state law, your policy may be terminated or not renewed for a variety of reasons, including the settlement of a single claim or loss.
Content
Regarding the suitability of the content on its website for any purpose, GravySpoon provides no guarantees or promises of any kind. Without any type of assurance, GravySpoon makes all of the content on its website available "as is" and "as available".
List of the Shippers and Agents We Currently Work With
GravySpoon, it serves as an agent for insurance providers by submitting your insurance application to them and buying your insurance from them. We presently use GravySpoon Insurance US Company, State National Insurance Company, and National Specialty Insurance Company, which may obligate you. The list of firms we now work with and who may act as our representatives includes GravySpoon Insurance, Inc. Third-party agency partners, GravySpoon First Insurance Agency, Inc., and AP Intego Insurance Group, LLC.
Disclaimers and Liability Limitations
Regarding the information contained in its Services, GravySpoon makes no representations or warranties of any kind, either stated or implied. Following this statement, GRAVYSPOON DISCLAIMS ANY AND ALL implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. Your use of our Services is solely at your own risk, as you expressly agree. The verification and assessment of ANY Services' accuracy, correctness, dependability, and completeness is exclusively your own task and responsibility. We give no assurance or warranty that any content that is made available for downloading is free from computer programming errors or other flaws that could taint, damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. Regarding quotes or offers presented on or through our Services, we make no representations, warranties, or guarantees, either stated or implied. Therefore, we explicitly disclaim any responsibility for any material, goods, or services provided by such service providers.
Furthermore, we give no assurances, warranties, or representations that our services are available or suitable for use in locations outside than the United States of America. You do so at your own risk and initiative if you access or otherwise use our Services from these countries, and you are solely responsible for adhering to local and international laws.
Any liability resulting from, or in any way connected with, any damages, loss, or claim of any kind, however caused, in connection with or originating from access to or use of the contents of GravySpoon's Services shall not be held against GravySpoon. Without regard to the form of any action, including, but not limited to, contract, negligence or other tortious actions, GravySpoon shall in no event be liable for any special, indirect, exemplary, consequential damages or any damages whatsoever, including, but not limited to, loss of use, data, or profits. These limitations shall apply whether the action arises out of or is related to the use, reproduction, or display of the content.
Disclaimers and Representations Regarding Products and Services
Regarding quotes, terms, prices, coverage, or services provided to you by insurers or other third parties through GravySpoon's Services, GravySpoon makes no representations, warranties, or guarantees. GravySpoon thinks the information offered through its Services is current, accurate, and full. GravySpoon does not guarantee that its content is accurate, full, and up to date because accidental technical or factual errors could occur. You can use the content that GravySpoon offers through its services to help you make financial and insurance decisions. However, such details just serve as a rough outline of the insurance protection that can be accessible. Any specific coverage you receive from GravySpoon, an insurance provider, or another third party is subject to the terms, restrictions, exclusions, and underwriting procedures of that party. Any coverage suggestions offered by GravySpoon are just based on the specific data you provided, and they are only valid for the products and coverages that GravySpoon provides. You realize and accept that such recommendations might leave out information that might be important or wise for you, and that they might differ from suggestions you might get if you asked for counsel tailored to your particular situation. To get a specific coverage, a comprehensive application must be submitted. Insurance coverage can only be issued with underwriting clearance; state-specific availability and coverage restrictions may apply. Before relying on any information that GravySpoon offers through its Services, in whole or in part, you must verify it. We also advise you to seek out further information and counsel from your accountant, lawyer, and other professionals who can take into consideration your particular situation. You agree not to rely on any general information or descriptions of coverage made accessible through GravySpoon's Services, and that the insurance policy or other product or service you acquire from organizations other than GravySpoon constitutes the only contract between you and the insurer or other third party. You might receive offers or quotes from a third-party provider of goods or services through our service. You acknowledge, however, that we cannot guarantee that all users will receive such a quote and that some of these services might only be accessible to businesses and residents of the United States or to a subset of states. Regarding certain transactions involving our Services, GravySpoon might be compensated with fees or commissions by insurers or other third parties. You understand that we are not liable for any fee agreements or the terms of any contracts you might make with suppliers of goods or services through our Services. By signing this document, you release GravySpoon from any liability for any loss, expense, damage, or claim related to or resulting from your use of a service or product, including any fees levied.
Representations to Us
By utilizing our services, you affirm and promise to the following to us:
You are older than 18 years old.
On behalf of the organization requesting coverage, you have the authority to buy and commit to this insurance.
In the previous three years, you have not had any judgments or liens imposed upon you.
You give GravySpoon, its agents, and representatives permission to get consumer reports from a credit reporting company of GravySpoon's choosing that are covered by the Fair Credit Reporting Act ("FCRA"). You agree that GravySpoon may occasionally request and examine consumer reports about you or the business or organization you represent, own, operate, or represent in order to determine whether you are insurable or for any other reason allowed by the FCRA. You are aware that GravySpoon Insurance will notify you and email you a summary of your rights under the FCRA if any unfavorable action is taken based on your consumer report.
You permit the National Council on Compensation Insurance ("NCCI") to provide your past, present, and future experience rating worksheets and risk history report directly to GravySpoon solely for the purpose of insurance underwriting if you are applying for workers' compensation insurance. You are aware that the risk history report offers five years' worth of payroll and loss history, details on policy cancellations, classification codes, and the names and addresses of policyholders from NCCI records. You understand that in order to provide the services you have requested, GravySpoon needs this information. You acknowledge that NCCI won't be held responsible for providing the requested information.
You should not use our Services and are not permitted to do so if any of the aforementioned assertions are untrue.
Disclaimer and Hold Harmless
By using our Services, you consent to indemnify, defend, and hold GravySpoon harmless from and against any third-party claim, cost, penalty, or damage resulting from or connected to your use of our Services, including any lawyers' costs.
Fees and Charges
While utilizing our Services, you may decide to purchase goods or services from us. If you do, GravySpoon may charge you premium and commission in addition to other costs and fees, such as installation, servicing, and cancellation fees. Understanding, analyzing, purchasing, and maintaining your insurance plans include a variety of complicated products and concerns that call for counsel that is tailored to your needs. Receiving these services does not obligate you to buy any insurance-related products. Regardless of whether you pay the whole amount at policy binding or at each renewal, these fees are fully collected when you bind each of your insurance policies. Any such charge or fee will be disclosed to you in advance. You give us permission to charge these agreed-upon sums, as well as any applicable taxes, to your Payment Method by providing payment information for a recognized payment method, including electronic transactions ("Payment Method"). Except as specifically specified above or as required by relevant law, you will not be entitled to any refunds of charges, fees, or taxes. Premium Audit: (a) The premium posted on our website is a deposit premium for the policy period; (b) We shall compute all insurance premiums for an insurance policy in accordance with our regulations and rates in effect at the time. At the conclusion of the policy period, we reserve the right to assess the specifics of your company. We have the right to revise your prior year's premium up or down if your business has changed after you applied. This means that if such changes have taken place, we may reimburse you for any excess premium paid or charge you a higher rate to cover the increased risk posed by your company; (c) The Named Insured on a policy is required to keep records of the information we need for premium computation (typically, the information required in an application) and send us copies if necessary. To pay for charges, fees, and taxes associated with our Services, you can use a credit card or debit card as a Payment Method. If you decide to use a credit or debit card for this purpose, you represent that you are permitted to do so. You will be held liable for any unpaid balance if you use a credit or debit card without permission, in whole or in part, and we reserve the right to report your misuse to the appropriate authorities. Insurance coverage is yearly. You have the option of paying annually or monthly. By deciding to pay on a monthly basis and giving or designating a Payment Method, you give us permission to charge your Payment Method for the monthly price as well as any additional costs (such as taxes and fees) associated with our Services. You agree that the amount billed each month may change from month to month for a variety of reasons, such as different amounts caused by adding or changing products or services. You authorize us to charge your Payment Method for these fluctuating amounts, which may be billed on a monthly basis in one or more charges. Each month, on the day of the calendar that corresponds to the date of your initial payment, we will automatically bill your Payment Method. If your Payment Method has not successfully settled, we have the right to alter the date of our billing, particularly as described below. If your first payment was made on a day that wasn't included in a certain month, we may bill your Payment Method on that day or another that we judge acceptable. Your Payment Method would be billed on the following date if, for instance, your first payment was made on January 31st and your subsequent payment date is most likely February 28th. We might authorize your Payment Method in advance of charges for goods or services. In the Terms of Service, "billing" refers to a charge, debit, or other payment clearance made against your Payment Method, as appropriate. If not specified otherwise, the terms "month" or "monthly" relate to your billing period. You also agree and give GravySpoon permission to continue deducting from the same payment instrument at renewal or other relevant times.
By signing in online or phoning our customer care, you can change the information associated with your payment method. You remain liable for any unpaid sums and give us permission to keep billing the Payment Method, as it may have changed, if a payment is unsuccessfully processed for any reason, including expiration, insufficient funds, or another, and you do not log in or call to change your Payment Method information or cancel your account. Up until the outstanding balance is paid in full or you deactivate your GravySpoon account, GravySpoon reserves the right to retry payments on your saved payment device. The issuer of your payment method may assess additional fees or a foreign transaction fee for some Payment Methods. For further information, check with your Payment Method service provider.
Until the insurance company approves your application, the payment of your premium does not commit you to coverage. Your premium payment will be returned if the insurance company declines to approve your application.
By logging in online or sending customer care an email, you can cancel your policy whenever you choose. We will stop making monthly payments and stop using your payment method if you cancel your coverage.
No interest, finance fees, late payment penalties, or other finance charges of any kind will be assessed against you. You acknowledge that we have the right to ask for termination of your insurance policy or policies if you fail to make a scheduled payment when it's due. Please be sure to pay your monthly insurance premiums on time to avoid having your policy(s) cancelled.
As payment for their services, goods, or for holding capital, GravySpoon and its partner brokerages, risk management companies, underwriting services, and other consultants may receive commissions, fees, or interest. We welcome your inquiries if you have any concerns about the type or sum of the remuneration provided to GravySpoon or its partners.
You declare that you are aware of the Service Fee for working with GravySpoon First Insurance Agency and that you accept it. The commission and premium that GravySpoon First Insurance Agency (NPN 18721225) may get are not included in this fee. You accept that there are many complex products and issues involved in comprehending, assessing, and maintaining your insurance, as well as the need for counsel that is tailored to your requirements. You expressly acknowledge that the Service Fee to be charged and the kind of service offered have been clearly explained to you. You further acknowledge that you understand the Service Fee is fully earned when the policy is bound and at each renewal. Receiving these services does not obligate you to buy any insurance-related products. Some or all of these services may have previously been provided to you, but you will still be paid at the time of binding and renewal. This Service Fee is not refundable after it has been paid.
Financial Decisions
You can access information and third-party suppliers of goods and services using the platform offered by our services. We don't support or encourage any of these service providers, and we aren't representing them or you in any way. We do not look into, guarantee, or assure that these providers have the necessary licenses, certifications, or other qualifications to supply these goods and services. You acknowledge that it is completely your responsibility to research these suppliers and that any goods or services they may offer you could result in expenses, losses, obligations, fees, or fines. Before making any financial or insurance purchase decisions, we advise you to speak with financial advisors, insurance agents, or other experienced professionals who may be fully aware of your unique situation and needs. You acknowledge that any decisions you make about the purchase of goods or services through our Services or based on the knowledge supplied by our Services are exclusively based on your judgment and the advice of your advisors.
Intellectual Property Rights
All text, graphics, charts, images, videos, line art, renditions, and other content that may be found in or downloaded from our Services (collectively, "Content") are protected by copyrights that either we or our content suppliers have obtained directly or through other means. Additionally, we are the owners of the copyrights for the collective labor that was done in choosing, coordinating, arranging, organizing, navigating, presenting, displaying, and modifiying just some of the Content (the "Collective Work"). All computer programs utilized to deliver or support our services (collectively, "Software") are the exclusive property of their respective owners and are thus shielded from infringement by both domestic and foreign copyright laws. Any access you might have, such as but not limited to viewing, reading, printing, downloading, or using the Content, Collective Work, or Software in any other way, does not constitute a waiver of any of our rights and does not grant you or any other party ownership of or intellectual property rights in the Content, Collective Work, or Software. In relation to the proprietary markings, content, collective work, software, or names, trademarks, or service marks of third parties, you are fully responsible for any damages that result from your infringement of our or any third party's intellectual property rights. If you copy, distribute, re-distribute, publish, or use the same for purposes that are expressly or implicitly against these Terms of Service, we or our affiliates may suffer direct or indirect damage as a result.
No Third party Beneficiaries
No element in the Terms of Service grants any implicit or express rights to any third party; instead, they constitute a contract between you and GravySpoon. You have no authority to obligate GravySpoon in any way through the Terms of Service.
Assignment
Without our prior express and written consent, you are not permitted to transfer, assign, or lease your rights under the Terms of Service.
Void Where Prohibited
We, our affiliates, our partner insurers, our brokers, or our agents are licensed and authorized to market our products and services in those regions of the United States where our Services are intended for usage. Despite the fact that users from other places are able to access our Services, any offer or transaction for any feature, product, or service is void where prohibited by law.
Children Are Not Allowed to Use Our Services.
Our services are not intended for use by minors, or those who are under the age of 18. Please don't try to access our services if you are under the age of 18. Persons under the age of 18 should not submit any information to us because we do not knowingly contact or collect personal information from them.
Rules of Law and Applicable Courts
You acknowledge and agree that, without respect to considerations of conflicts of law, the laws of the State of California shall govern the Terms of Service and the incorporated Privacy Policy and Cookies Policy. By using our Services, you consent to the personal and exclusive jurisdiction of the state and federal courts of California to handle any disputes arising from such use, including, but not limited to, the execution of any arbitration award. This consent is in effect each time you use our Services. Furthermore, you consent to renounce any objections you may have to such jurisdiction or venue.
Agreement to Arbitrate and Waiver of Class Actions
a) Agreement to Arbitrate
After the parties have made their best efforts to resolve any conflict or claim arising out of or related to the Terms of Service, the matter shall be finally settled by binding arbitration. If a binding arbitration is necessary, it will be conducted by the American Arbitration Association ("AAA") in accordance with its consumer dispute resolution policies and commercial arbitration rules, excluding any policies that allow for class actions or are otherwise in conflict with the terms of service. All disputes, including whether this or any other part of the Terms of Service is void or voidable, shall be decided solely by arbitration. The terms of the Governing Law and Jurisdiction section of the Terms of Service shall apply to the arbitrator's award, which shall be enforceable and entered as a judgment in any court with appropriate jurisdiction.
The parties are aware that, in the absence of this arbitration agreement clause, they may be able to file a lawsuit in court and request a jury trial. Although arbitration is meant to be more cost-effective, there are some cases where its costs may be higher than those associated with civil litigation before a court. Additionally, the arbitration's processes and regulations may restrict discovery.
b) Waiver of Class Remedies
The parties expressly waive any right or option to bring or participate in a class action or other representative action and agree that any arbitration shall only be conducted in each party's individual entity capacity. The arbitration provision shall be deemed null and void in its entirety, and the parties shall be presumed not to have agreed to arbitrate any dispute, should any court or arbitrator rule that the class action waiver set forth in this section is invalid or otherwise unenforceable, or that an arbitration can proceed on a class basis.
c) Exception: Small Claims Court litigation
Despite the parties' agreement to arbitrate all disputes, relief may nevertheless be requested in a small claims court for disputes or claims that fall under that court's purview—subject to the Governing Law and Jurisdiction section of the Terms of Service.
d) 30-Day Right to Refuse
By submitting writing notification of your choice to opt out to the following address: PO Box 60787, Palo Alto, CA 94306 you have the right to opt out and not be obligated by the arbitration agreement and class action provisions of this section. In the absence of such notice, you will be required to arbitrate disputes in accordance with these Terms of Service thirty (30) days after registering to utilize our services. Such an opt-out must be mutual. Should you choose to opt out, we have the right to stop allowing you to access our Services.
No Oral Modification
Oral agreements or declarations that amend the Terms of Service are not permitted. The Terms of Service may not be modified by GravySpoon's individual employees, its partners, or its third-party affiliates other than through the procedures outlined in this section. Any employee who makes a change to the terms of service does not represent GravySpoon or have the power to bind GravySpoon. Regarding the change or interpretation of the Terms of Service, you hereby agree not to rely on any representation—whether written or oral—made by any GravySpoon employee, agent, or other third party.
Communications With GravySpoons
You have the option to get in touch with us while using our services by sending us suggestions, questions, or comments. Your disclosure of information does not, in any way, bind GravySpoon to compensate you.
In an attempted or successful request for a price or offer for goods and services from a third-party vendor, you may include your information in the request. You acknowledge that doing so constitutes your consent to GravySpoon using the information in any manner permitted by the Terms of Service, our Privacy Notice, and our Cookie Notice. You consent to receiving calls, emails, texts, mailers, or other similar communications in connection with these goods and services when you provide your contact information to us as part of an attempted or successful request for an estimate or offer for goods or services. Even if your phone number is on a "do not call" list, this is still true.
Severability
A provision in the Terms of Service that is deemed to be unenforceable, invalid, or ambiguous shall, unless otherwise provided herein, be limited or discarded to the minimum extent necessary to ensure that the remaining provisions of the Terms of Service are fully enforceable.
Non-Waiver
By failing to exercise any right herein, in whole or in part, neither party shall be deemed to have waived such right, in whole or in part.
Force Majeure
Due to acts of God, war, warlike conditions, blockades, embargoes, riots, government restrictions, labor disturbances, the lack of anticipated or usual means of supplying, epidemics, quarantines, wrecks, fire, flood, earthquake, explosion, any unanticipated change in circumstances, or any other causes beyond any party's reasonable control, neither party shall be liable for any delay or failure in any performance.
Complete Agreement
Due to acts of God, war, warlike conditions, blockades, embargoes, riots, government restrictions, labor disturbances, the lack of anticipated or usual means of supplying, epidemics, quarantines, wrecks, fire, flood, earthquake, explosion, any unanticipated change in circumstances, or any other causes beyond any party's reasonable control, neither party shall be liable for any delay or failure in any performance.
Notification of Changes
GravySpoon reserves the right to change the Terms of Service at any moment. When practical, we will, at least thirty (30) days prior to the effective date of any such major modifications, post a notice stating that the Terms of Service have changed to our Website. You can close your account with us if we significantly alter the Terms of Service by contacting us in accordance with the "Contact GravySpoon" clause of the Terms of Service prior to the implementation date of the new Terms of Service. If you close your account during this time frame, you will not be subject to the modified Terms of Service.
Notice
You agree to receive notices or other communications from GravySpoon by means of GravySpoon posting them on its website, GravySpoon emailing you, or GravySpoon mailing them to a postal address you provided, as determined by GravySpoon, in the event that GravySpoon chooses or is required to give you notices under or related to the Terms of Service. You further acknowledge that any such communication made in accordance with the terms of this agreement satisfies any requirement that it be made in writing.
Contact
You can reach GravySpoon by phone at 1 (234) 567-8910, email at support@gravyspoon.com, or postal letter at PO Box 12345, Lorem Ipsum, CA 12345 if you have any inquiries concerning the Terms of Service or need to make a notification regarding your usage of our Services.
TERMS OF SERVICE
Introduction
Greetings from the Gravy Spoon! You accept the terms and conditions outlined in the Terms of Service (formerly "Terms of Use") and our Privacy Policy by using the Website. These together constitute a binding contract between us and you.
The terms "Gravy," "Gravy Spoon," "we," "us," or "our" refer to Gravy Spoon Insurance Inc., including its subsidiaries such as Gravy Spoon Insurance US Company, Gravy Spoon Insurance Agency, Inc., Gravy Spoon Claims Management, Inc., and AP Intego Insurance Group, LLC. We operate as Gravy Spoon Online Insurance Services in California, Michigan, Minnesota, North Carolina, and Texas, and as Gravy Spoon Insurance Services in New York, North Dakota, and Virginia. The terms "you," "customer," and "user" refer to you as an individual user or any entity or organization you represent.
The term "Services" collectively refers to the website located at gravyspoon.com (the "Website"), as well as various websites, applications, widgets, information, services, email notifications, and other media associated with it or through which you accessed the Terms of Service.
Please note that the Terms of Service include an agreement to resolve all claims through arbitration and contain disclaimers of warranties and liability."
Privacy Policy
You confirm that you have read and comprehended our Privacy Policy by using our Services. By accepting the Terms of Service, you agree to be governed by the Privacy Policy's terms, which are fully incorporated into the Terms of Service. Additionally, you agree to our Cookies Policy, which is a part of our Privacy Policy.
Your Compliance with The Terms of Service
You confirm that you have read and comprehended our Privacy Policy by using our Services. By accepting the Terms of Service, you agree to be governed by the Privacy Policy's terms, which are fully incorporated into the Terms of Service. Additionally, you agree to our Cookies Policy, which is a part of our Privacy Policy.
Representation of Data Collection
You agree that Gravy Spoon may gather information from you, including Personal Data as described in Section 2 of our Privacy Policy, even if we are unable to provide you with any available goods or services for purchase. Currently, Gravy Spoon only offers its goods or services in a small selection of states, and it only offers a few types of insurance coverage. You consent that Gravy Spoon may use any information you voluntarily give us about you or a third party for market research, advertising, or other business-related purposes. This is true even if at the time you give us this information Gravy Spoon is unable to sell you or a third party any goods or services.
When submitting an application for a commercial auto insurance policy, you warrant that you have informed and acquired permission from your staff members so that we may collect any motor vehicle records pertaining to those staff members for the purpose of making underwriting decisions.
Registration
We automatically generate accounts for users so they can use certain aspects of our Services. Your username will be your email address. A one-time password or access to your email inbox will be needed for authentication during logins. You are not allowed to use an email address that impersonates or pretends to be someone else. In our sole discretion, we reserve the right to reject or cancel any username registration. You are in charge of protecting the privacy of your username and password. You further undertake to alert us right away of any unauthorized use of your login or password by sending an email to support@gravyspoon.com. Additionally, you consent to promptly reviewing and responding to any transactional email messages we may send you pertaining to your Gravy Spoon account.
Use of Our Services
Our Services may not be used for personal, family, home, informative, or non-commercial purposes, nor may their underlying processes, associated content, or created data. Without Gravy Spoon's prior written authorization, you are not permitted to duplicate, copy, sell, distribute, relay, transmit, broadcast, or lease our Services, their underlying mechanisms, associated materials, or data-generating capabilities. You may not assign or otherwise transfer your usage of our Services to any other person or entity. Without limiting the above, maintenance on or issues with our equipment or networks, as well as unintentional actions by a third party or parties, may prevent you from accessing or using our services. We reserve the sole right, at any time, in our sole discretion, and without warning or permission, to suspend or end the availability of our Services.
Prohibited Activities
You are accountable for any information you send to Gravy Spoon via the Gravy Spoon Website, email, text, phone call, Facebook, Twitter, Yotpo Review, Google Review, or any other similar service. You guarantee that any transmissions you make to Gravy Spoon will be accurate, truthful, and supplied in good faith. You also guarantee that you have the legal right to send the information. You acknowledge that it is completely your duty to refrain from engaging in certain activities that we may determine to be forbidden while using this website. These forbidden actions include, but are not limited to:
Criminal or tortious activity, such as (i) fraud or misrepresentation, (ii) harassment (including verbal harassment), (iii) infringement or misappropriation of a third party's copyright, trademark, patent, trade secret, or other intellectual property, (iv) slander, libel, defamation, or use of content that is offensive, vulgar, or pornographic, and (v) use of content that encourages prejudice, bigotry, racism,
Soliciting any user to acquire or sell any goods or services through advertising;
Impersonating another user or entity, or attempting to do so;
Engaging in the use of deceptive email addresses, phone numbers, postal addresses, or contact information is strictly prohibited. It is also prohibited to utilize the email address, phone number, address, or contact information of another individual or entity without proper authorization;
Any attempts to access or search the Services, as well as engaging in any form of automated use of the system, are strictly prohibited. This includes activities such as employing scripts, spiders, crawlers, data mining tools, or similar methods to gather data, send comments or messages, participate in forums, or request information;
Trying to circumvent any security or authentication procedures, or probe, scan, or test the vulnerability of any Gravy Spoon system or network;
Disrupting, interfering with, or placing an excessive demand on our services or the supporting networks;
Gaining access to or tampering with secure sections of the Services, Gravy Spoon's computer network, or the technical delivery networks of Gravy Spoon's suppliers;
Avoiding, getting around, getting rid of, deactivating, interfering with, or otherwise getting around any technological safeguards put in place by Gravy Spoon, any of Gravy Spoon's providers, or any other permitted third party to safeguard the Services;
Without Gravy Spoon's express written consent, using mega tags or other hidden text or metadata that contain a Gravy Spoon trademark, logo, URL, or product name;
Using data from our services or data scraping from them for any reason;
Using the services in a manner prohibited by these terms of service, for profit, or for the benefit of a third party;
Sending fabricated, misleading, or changed source-identifying data through the Services;
Attempting to reverse engineer, interpret, decompile, or disassemble any of the software used to deliver the Services;
Interfere with, or make an effort to interfere with, any user's, host's, or network's access, including without limitation by flooding, overloading, or spamming the Services;
Without their express consent, collecting or keeping any personally identifiable information from other Service users;
Using our services in a way that is against any and all laws and rules that may apply; and
Encouraging or allowing anyone else to perform any of the aforementioned.
Observation of Services
In order to protect the rights and property of Gravy Spoon and it, we reserve the right, but are under no obligation, to: monitor our Services for violations of the Terms of Service by you or by third parties; take appropriate legal action against anyone who violates the Terms of Service; deny or restrict access to or availability of the Services to any user; remove the Services; or otherwise disable all files and content; and manage the Services in other ways.
Your Use of Our Services or Termination of Your Account
If you breach the Terms of Service, we have the right, in our sole discretion, to restrict, suspend, or terminate your use of or access to our Services. As permitted by law, we reserve the right to modify the Services or content, or otherwise restrict access to all or portions of our Services, without prior notice.
If permitted by state law, your policy may be terminated or not renewed for a variety of reasons, including the settlement of a single claim or loss.
Content
Regarding the suitability of the content on its website for any purpose, Gravy Spoon provides no guarantees or promises of any kind. Without any type of assurance, Gravy Spoon makes all of the content on its website available "as is" and "as available".
List of the Shippers and Agents We Currently Work With
Gravy Spoon, it serves as an agent for insurance providers by submitting your insurance application to them and buying your insurance from them. We presently use Gravy Spoon Insurance US Company, State National Insurance Company, and National Specialty Insurance Company, which may obligate you. The list of firms we now work with and who may act as our representatives includes Gravy Spoon Insurance, Inc. Third-party agency partners, Gravy Spoon First Insurance Agency, Inc., and AP Intego Insurance Group, LLC.
Disclaimers and Liability Limitations
Regarding the information contained in its Services, Gravy Spoon makes no representations or warranties of any kind, either stated or implied. Following this statement, GRAVY SPOON DISCLAIMS ANY AND ALL implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. Your use of our Services is solely at your own risk, as you expressly agree. The verification and assessment of ANY Services' accuracy, correctness, dependability, and completeness is exclusively your own task and responsibility. We give no assurance or warranty that any content that is made available for downloading is free from computer programming errors or other flaws that could taint, damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. Regarding quotes or offers presented on or through our Services, we make no representations, warranties, or guarantees, either stated or implied. Therefore, we explicitly disclaim any responsibility for any material, goods, or services provided by such service providers.
Furthermore, we give no assurances, warranties, or representations that our services are available or suitable for use in locations outside than the United States of America. You do so at your own risk and initiative if you access or otherwise use our Services from these countries, and you are solely responsible for adhering to local and international laws.
Any liability resulting from, or in any way connected with, any damages, loss, or claim of any kind, however caused, in connection with or originating from access to or use of the contents of Gravy Spoon's Services shall not be held against Gravy Spoon. Without regard to the form of any action, including, but not limited to, contract, negligence or other tortious actions, Gravy Spoon shall in no event be liable for any special, indirect, exemplary, consequential damages or any damages whatsoever, including, but not limited to, loss of use, data, or profits. These limitations shall apply whether the action arises out of or is related to the use, reproduction, or display of the content.
Disclaimers and Representations Regarding Products and Services
Regarding quotes, terms, prices, coverage, or services provided to you by insurers or other third parties through Gravy Spoon's Services, Gravy Spoon makes no representations, warranties, or guarantees. Gravy Spoon thinks the information offered through its Services is current, accurate, and full. Gravy Spoon does not guarantee that its content is accurate, full, and up to date because accidental technical or factual errors could occur. You can use the content that Gravy Spoon offers through its services to help you make financial and insurance decisions. However, such details just serve as a rough outline of the insurance protection that can be accessible. Any specific coverage you receive from Gravy Spoon, an insurance provider, or another third party is subject to the terms, restrictions, exclusions, and underwriting procedures of that party. Any coverage suggestions offered by Gravy Spoon are just based on the specific data you provided, and they are only valid for the products and coverages that Gravy Spoon provides. You realize and accept that such recommendations might leave out information that might be important or wise for you, and that they might differ from suggestions you might get if you asked for counsel tailored to your particular situation. To get a specific coverage, a comprehensive application must be submitted. Insurance coverage can only be issued with underwriting clearance; state-specific availability and coverage restrictions may apply. Before relying on any information that Gravy Spoon offers through its Services, in whole or in part, you must verify it. We also advise you to seek out further information and counsel from your accountant, lawyer, and other professionals who can take into consideration your particular situation. You agree not to rely on any general information or descriptions of coverage made accessible through Gravy Spoon's Services, and that the insurance policy or other product or service you acquire from organizations other than Gravy Spoon constitutes the only contract between you and the insurer or other third party. You might receive offers or quotes from a third-party provider of goods or services through our service. You acknowledge, however, that we cannot guarantee that all users will receive such a quote and that some of these services might only be accessible to businesses and residents of the United States or to a subset of states. Regarding certain transactions involving our Services, Gravy Spoon might be compensated with fees or commissions by insurers or other third parties. You understand that we are not liable for any fee agreements or the terms of any contracts you might make with suppliers of goods or services through our Services. By signing this document, you release Gravy Spoon from any liability for any loss, expense, damage, or claim related to or resulting from your use of a service or product, including any fees levied.
Representations to Us
By utilizing our services, you affirm and promise to the following to us:
You are older than 18 years old.
On behalf of the organization requesting coverage, you have the authority to buy and commit to this insurance.
In the previous three years, you have not had any judgments or liens imposed upon you.
You give Gravy Spoon, its agents, and representatives permission to get consumer reports from a credit reporting company of Gravy Spoon's choosing that are covered by the Fair Credit Reporting Act ("FCRA"). You agree that Gravy Spoon may occasionally request and examine consumer reports about you or the business or organization you represent, own, operate, or represent in order to determine whether you are insurable or for any other reason allowed by the FCRA. You are aware that Gravy Spoon Insurance will notify you and email you a summary of your rights under the FCRA if any unfavorable action is taken based on your consumer report.
You permit the National Council on Compensation Insurance ("NCCI") to provide your past, present, and future experience rating worksheets and risk history report directly to Gravy Spoon solely for the purpose of insurance underwriting if you are applying for workers' compensation insurance. You are aware that the risk history report offers five years' worth of payroll and loss history, details on policy cancellations, classification codes, and the names and addresses of policyholders from NCCI records. You understand that in order to provide the services you have requested, Gravy Spoon needs this information. You acknowledge that NCCI won't be held responsible for providing the requested information.
You should not use our Services and are not permitted to do so if any of the aforementioned assertions are untrue.
Disclaimer and Hold Harmless
By using our Services, you consent to indemnify, defend, and hold Gravy Spoon harmless from and against any third-party claim, cost, penalty, or damage resulting from or connected to your use of our Services, including any lawyers' costs.
Fees and Charges
While utilizing our Services, you may decide to purchase goods or services from us. If you do, Gravy Spoon may charge you premium and commission in addition to other costs and fees, such as installation, servicing, and cancellation fees. Understanding, analyzing, purchasing, and maintaining your insurance plans include a variety of complicated products and concerns that call for counsel that is tailored to your needs. Receiving these services does not obligate you to buy any insurance-related products. Regardless of whether you pay the whole amount at policy binding or at each renewal, these fees are fully collected when you bind each of your insurance policies. Any such charge or fee will be disclosed to you in advance. You give us permission to charge these agreed-upon sums, as well as any applicable taxes, to your Payment Method by providing payment information for a recognized payment method, including electronic transactions ("Payment Method"). Except as specifically specified above or as required by relevant law, you will not be entitled to any refunds of charges, fees, or taxes. Premium Audit: (a) The premium posted on our website is a deposit premium for the policy period; (b) We shall compute all insurance premiums for an insurance policy in accordance with our regulations and rates in effect at the time. At the conclusion of the policy period, we reserve the right to assess the specifics of your company. We have the right to revise your prior year's premium up or down if your business has changed after you applied. This means that if such changes have taken place, we may reimburse you for any excess premium paid or charge you a higher rate to cover the increased risk posed by your company; (c) The Named Insured on a policy is required to keep records of the information we need for premium computation (typically, the information required in an application) and send us copies if necessary. To pay for charges, fees, and taxes associated with our Services, you can use a credit card or debit card as a Payment Method. If you decide to use a credit or debit card for this purpose, you represent that you are permitted to do so. You will be held liable for any unpaid balance if you use a credit or debit card without permission, in whole or in part, and we reserve the right to report your misuse to the appropriate authorities. Insurance coverage is yearly. You have the option of paying annually or monthly. By deciding to pay on a monthly basis and giving or designating a Payment Method, you give us permission to charge your Payment Method for the monthly price as well as any additional costs (such as taxes and fees) associated with our Services. You agree that the amount billed each month may change from month to month for a variety of reasons, such as different amounts caused by adding or changing products or services. You authorize us to charge your Payment Method for these fluctuating amounts, which may be billed on a monthly basis in one or more charges. Each month, on the day of the calendar that corresponds to the date of your initial payment, we will automatically bill your Payment Method. If your Payment Method has not successfully settled, we have the right to alter the date of our billing, particularly as described below. If your first payment was made on a day that wasn't included in a certain month, we may bill your Payment Method on that day or another that we judge acceptable. Your Payment Method would be billed on the following date if, for instance, your first payment was made on January 31st and your subsequent payment date is most likely February 28th. We might authorize your Payment Method in advance of charges for goods or services. In the Terms of Service, "billing" refers to a charge, debit, or other payment clearance made against your Payment Method, as appropriate. If not specified otherwise, the terms "month" or "monthly" relate to your billing period. You also agree and give Gravy Spoon permission to continue deducting from the same payment instrument at renewal or other relevant times.
By signing in online or phoning our customer care, you can change the information associated with your payment method. You remain liable for any unpaid sums and give us permission to keep billing the Payment Method, as it may have changed, if a payment is unsuccessfully processed for any reason, including expiration, insufficient funds, or another, and you do not log in or call to change your Payment Method information or cancel your account. Up until the outstanding balance is paid in full or you deactivate your Gravy Spoon account, Gravy Spoon reserves the right to retry payments on your saved payment device. The issuer of your payment method may assess additional fees or a foreign transaction fee for some Payment Methods. For further information, check with your Payment Method service provider.
Until the insurance company approves your application, the payment of your premium does not commit you to coverage. Your premium payment will be returned if the insurance company declines to approve your application.
By logging in online or sending customer care an email, you can cancel your policy whenever you choose. We will stop making monthly payments and stop using your payment method if you cancel your coverage.
No interest, finance fees, late payment penalties, or other finance charges of any kind will be assessed against you. You acknowledge that we have the right to ask for termination of your insurance policy or policies if you fail to make a scheduled payment when it's due. Please be sure to pay your monthly insurance premiums on time to avoid having your policy(s) cancelled.
As payment for their services, goods, or for holding capital, Gravy Spoon and its partner brokerages, risk management companies, underwriting services, and other consultants may receive commissions, fees, or interest. We welcome your inquiries if you have any concerns about the type or sum of the remuneration provided to Gravy Spoon or its partners.
You declare that you are aware of the Service Fee for working with Gravy Spoon First Insurance Agency and that you accept it. The commission and premium that Gravy Spoon First Insurance Agency (NPN 18721225) may get are not included in this fee. You accept that there are many complex products and issues involved in comprehending, assessing, and maintaining your insurance, as well as the need for counsel that is tailored to your requirements. You expressly acknowledge that the Service Fee to be charged and the kind of service offered have been clearly explained to you. You further acknowledge that you understand the Service Fee is fully earned when the policy is bound and at each renewal. Receiving these services does not obligate you to buy any insurance-related products. Some or all of these services may have previously been provided to you, but you will still be paid at the time of binding and renewal. This Service Fee is not refundable after it has been paid.
Financial Decisions
You can access information and third-party suppliers of goods and services using the platform offered by our services. We don't support or encourage any of these service providers, and we aren't representing them or you in any way. We do not look into, guarantee, or assure that these providers have the necessary licenses, certifications, or other qualifications to supply these goods and services. You acknowledge that it is completely your responsibility to research these suppliers and that any goods or services they may offer you could result in expenses, losses, obligations, fees, or fines. Before making any financial or insurance purchase decisions, we advise you to speak with financial advisors, insurance agents, or other experienced professionals who may be fully aware of your unique situation and needs. You acknowledge that any decisions you make about the purchase of goods or services through our Services or based on the knowledge supplied by our Services are exclusively based on your judgment and the advice of your advisors.
Intellectual Property Rights
All text, graphics, charts, images, videos, line art, renditions, and other content that may be found in or downloaded from our Services (collectively, "Content") are protected by copyrights that either we or our content suppliers have obtained directly or through other means. Additionally, we are the owners of the copyrights for the collective labor that was done in choosing, coordinating, arranging, organizing, navigating, presenting, displaying, and modifiying just some of the Content (the "Collective Work"). All computer programs utilized to deliver or support our services (collectively, "Software") are the exclusive property of their respective owners and are thus shielded from infringement by both domestic and foreign copyright laws. Any access you might have, such as but not limited to viewing, reading, printing, downloading, or using the Content, Collective Work, or Software in any other way, does not constitute a waiver of any of our rights and does not grant you or any other party ownership of or intellectual property rights in the Content, Collective Work, or Software. In relation to the proprietary markings, content, collective work, software, or names, trademarks, or service marks of third parties, you are fully responsible for any damages that result from your infringement of our or any third party's intellectual property rights. If you copy, distribute, re-distribute, publish, or use the same for purposes that are expressly or implicitly against these Terms of Service, we or our affiliates may suffer direct or indirect damage as a result.
No Third party Beneficiaries
No element in the Terms of Service grants any implicit or express rights to any third party; instead, they constitute a contract between you and Gravy Spoon. You have no authority to obligate Gravy Spoon in any way through the Terms of Service.
Assignment
Without our prior express and written consent, you are not permitted to transfer, assign, or lease your rights under the Terms of Service.
Void Where Prohibited
We, our affiliates, our partner insurers, our brokers, or our agents are licensed and authorized to market our products and services in those regions of the United States where our Services are intended for usage. Despite the fact that users from other places are able to access our Services, any offer or transaction for any feature, product, or service is void where prohibited by law.
Children Are Not Allowed to Use Our Services.
Our services are not intended for use by minors, or those who are under the age of 18. Please don't try to access our services if you are under the age of 18. Persons under the age of 18 should not submit any information to us because we do not knowingly contact or collect personal information from them.
Rules of Law and Applicable Courts
You acknowledge and agree that, without respect to considerations of conflicts of law, the laws of the State of California shall govern the Terms of Service and the incorporated Privacy Policy and Cookies Policy. By using our Services, you consent to the personal and exclusive jurisdiction of the state and federal courts of California to handle any disputes arising from such use, including, but not limited to, the execution of any arbitration award. This consent is in effect each time you use our Services. Furthermore, you consent to renounce any objections you may have to such jurisdiction or venue.
Agreement to Arbitrate and Waiver of Class Actions
a) Agreement to Arbitrate
After the parties have made their best efforts to resolve any conflict or claim arising out of or related to the Terms of Service, the matter shall be finally settled by binding arbitration. If a binding arbitration is necessary, it will be conducted by the American Arbitration Association ("AAA") in accordance with its consumer dispute resolution policies and commercial arbitration rules, excluding any policies that allow for class actions or are otherwise in conflict with the terms of service. All disputes, including whether this or any other part of the Terms of Service is void or voidable, shall be decided solely by arbitration. The terms of the Governing Law and Jurisdiction section of the Terms of Service shall apply to the arbitrator's award, which shall be enforceable and entered as a judgment in any court with appropriate jurisdiction.
The parties are aware that, in the absence of this arbitration agreement clause, they may be able to file a lawsuit in court and request a jury trial. Although arbitration is meant to be more cost-effective, there are some cases where its costs may be higher than those associated with civil litigation before a court. Additionally, the arbitration's processes and regulations may restrict discovery.
b) Waiver of Class Remedies
The parties expressly waive any right or option to bring or participate in a class action or other representative action and agree that any arbitration shall only be conducted in each party's individual entity capacity. The arbitration provision shall be deemed null and void in its entirety, and the parties shall be presumed not to have agreed to arbitrate any dispute, should any court or arbitrator rule that the class action waiver set forth in this section is invalid or otherwise unenforceable, or that an arbitration can proceed on a class basis.
c) Exception: Small Claims Court litigation
Despite the parties' agreement to arbitrate all disputes, relief may nevertheless be requested in a small claims court for disputes or claims that fall under that court's purview—subject to the Governing Law and Jurisdiction section of the Terms of Service.
d) 30-Day Right to Refuse
By submitting writing notification of your choice to opt out to the following address: PO Box 60787, Palo Alto, CA 94306 you have the right to opt out and not be obligated by the arbitration agreement and class action provisions of this section. In the absence of such notice, you will be required to arbitrate disputes in accordance with these Terms of Service thirty (30) days after registering to utilize our services. Such an opt-out must be mutual. Should you choose to opt out, we have the right to stop allowing you to access our Services.
No Oral Modification
Oral agreements or declarations that amend the Terms of Service are not permitted. The Terms of Service may not be modified by Gravy Spoon's individual employees, its partners, or its third-party affiliates other than through the procedures outlined in this section. Any employee who makes a change to the terms of service does not represent Gravy Spoon or have the power to bind Gravy Spoon. Regarding the change or interpretation of the Terms of Service, you hereby agree not to rely on any representation—whether written or oral—made by any Gravy Spoon employee, agent, or other third party.
Communications With Gravy Spoons
You have the option to get in touch with us while using our services by sending us suggestions, questions, or comments. Your disclosure of information does not, in any way, bind Gravy Spoon to compensate you.
In an attempted or successful request for a price or offer for goods and services from a third-party vendor, you may include your information in the request. You acknowledge that doing so constitutes your consent to Gravy Spoon using the information in any manner permitted by the Terms of Service, our Privacy Notice, and our Cookie Notice. You consent to receiving calls, emails, texts, mailers, or other similar communications in connection with these goods and services when you provide your contact information to us as part of an attempted or successful request for an estimate or offer for goods or services. Even if your phone number is on a "do not call" list, this is still true.
Severability
A provision in the Terms of Service that is deemed to be unenforceable, invalid, or ambiguous shall, unless otherwise provided herein, be limited or discarded to the minimum extent necessary to ensure that the remaining provisions of the Terms of Service are fully enforceable.
Non-Waiver
By failing to exercise any right herein, in whole or in part, neither party shall be deemed to have waived such right, in whole or in part.
Force Majeure
Due to acts of God, war, warlike conditions, blockades, embargoes, riots, government restrictions, labor disturbances, the lack of anticipated or usual means of supplying, epidemics, quarantines, wrecks, fire, flood, earthquake, explosion, any unanticipated change in circumstances, or any other causes beyond any party's reasonable control, neither party shall be liable for any delay or failure in any performance.
Complete Agreement
Due to acts of God, war, warlike conditions, blockades, embargoes, riots, government restrictions, labor disturbances, the lack of anticipated or usual means of supplying, epidemics, quarantines, wrecks, fire, flood, earthquake, explosion, any unanticipated change in circumstances, or any other causes beyond any party's reasonable control, neither party shall be liable for any delay or failure in any performance.
Notification of Changes
Gravy Spoon reserves the right to change the Terms of Service at any moment. When practical, we will, at least thirty (30) days prior to the effective date of any such major modifications, post a notice stating that the Terms of Service have changed to our Website. You can close your account with us if we significantly alter the Terms of Service by contacting us in accordance with the "Contact Gravy Spoon" clause of the Terms of Service prior to the implementation date of the new Terms of Service. If you close your account during this time frame, you will not be subject to the modified Terms of Service.
Notice
You agree to receive notices or other communications from Gravy Spoon by means of Gravy Spoon posting them on its website, Gravy Spoon emailing you, or Gravy Spoon mailing them to a postal address you provided, as determined by Gravy Spoon, in the event that Gravy Spoon chooses or is required to give you notices under or related to the Terms of Service. You further acknowledge that any such communication made in accordance with the terms of this agreement satisfies any requirement that it be made in writing.
Contact
You can reach Gravy Spoon by phone at 1 (234) 567-8910, email at support@gravyspoon.com, or postal letter at PO Box 12345, Lorem Ipsum, CA 12345 if you have any inquiries concerning the Terms of Service or need to make a notification regarding your usage of our Services.
Get a custom quote sent
straight to your inbox.
Get a quote and purchase insurance coverage online within minutes
Top Professions
Food Distribution
Food Trucks
Local Restaurants
Franchises
Live Entertainment
Hotels
Catering
Banquets
© 2023 GravySpoon
Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. GravySpoon Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.