These terms and conditions (the “Terms & Conditions”) govern the use of www.watchpolicy.com (the “Site”). This Site is owned and operated by Stais IFS, LLC under the assumed name “Watch Policy”.
Stais IFS, LLC DBA Watch Policy is an insurance agency.
By using this Site, you indicate that you have read and understood these Terms and Conditions and agree to abide by them at all times.
THESE TERMS AND CONDITIONS CONTAIN A DISPUTE RESOLUTION CLAUSE THAT IMPACTS YOUR RIGHTS ABOUT HOW TO RESOLVE DISPUTES. PLEASE READ IT CAREFULLY.
Intellectual Property
All contect published and made available on our Site is the property of Stais IFS, LLC and the Site’s creators. This includes but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site.
Acceptable Use
As a user of our Site, you agree to use our Site legally, not to use our Site for illegal purposes, and not to:
Violate the intellectual property rights of the Site owners or any third party to the site; or
Act in any way that could be considered fraudulent
If we believe you are using our site illegally or in a manner that violated these terms and conditions, we reserve the right to limit, suspend or terminate your access to our site. We also reserve the right to take any legal steps necessary to prevent you from accessing our site.
Sales of Services
These terms and conditions govern the sale of services on our Site. Stais IFS, LLC DBA Watch Policy operates as an insurance agency. All products are placed with Insurance Companies. Stais IFS, LLC receives a commission for placement of insurance policies.
Stais IFS, LLC is not an insurance company (insurer).
All insurance quotes & policies are subject to Insurance Company underwriting approval before issuance. The Insurance Company may apply; waiting periods, deductibles, benefit limits and exclusions. Pre-existing conditions are not covered. Products, rates, and discounts may vary by state and are subject to change.
These terms and conditions apply to all the services displayed on our Site at the time you access it. All information, descriptions, or images that we provide about services are as accurate as possible. However, we are not legally bound by such information, descriptions, or images as we cannot guarantee the accuracy of all the services provided by the insurance company. The insurance company may change coverage, pricing, limits, limitations, exclusions, and any other policy specific items at any time.
We reserve the right to modify, reject or cancel your quote request whenever it becomes necessary.
Third Party Services
Our site offers quotes and placement of insurance policies from third parties (“Insurance Companies”). These third parties may have their own set of Terms & Conditions that may apply.
Payments
Payments are to be made directly to the insurance company in “Direct Bill”. All payment plans and methods available are provided by the insurance companies. Stais IFS, LLC DBA Watch Policy does not accept payments from insureds directly.
Consumer Protection Law
Where any consumer protection legislation in your jurisdiction applied and cannot be excluded, these Terms and Conditions will not limit your legal rights and remedies under that legislation. These Terms and Conditions will be read subject to the mandatory provisions of that legislation. If there is a conflict between these terms and conditions and that legislation, the mandatory provisions of the legislation will apply.
Links to other websites
Our site and communications from Stais IFS, LLC contain links to their party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third-party website or service link to on our site or communications. It is your responsibility to read the terms and conditions and privacy policies of these third-party websites before using these sites.
Limitation of Liability
Stais IFS, LLC and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities, and expenses including legal fees from your use of the Site.
Indemnity
Except where prohibited by law, by using this site you indemnify and hold harmless Stais IFS, LLC and our directors, officers, agents, employees, subsidiaries, and affiliates from any action, claims losses, damages, liabilities and expenses including legal fees arising our of you use of our Site or your violation of these Terms and Conditions.
Applicable Law
These Terms and Conditions are governed by the laws of the State of Illinois.
Dispute Resolution
Subject to any exceptions specified in these Terms and Conditions, if you and Stais IFS, LLC are unable to resolve any dispute through informal discussion, then you and Stais IFS, LLC agree to submit the issue before an arbitrator. The decision of the arbitrator will be final and binding. Any arbitrator must be a neutral party acceptable to both you and Stais IFS, LLC. The cost of any arbitration will be paid by the unsuccessful party.
Notwithstanding any other provision in these Terms and Conditions, you and Stais IFS, LLC agree that you both retain the right to bring an action in small claims court and to bring an action for injunctive relief or intellectual property infringement.
Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under acceptable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.
Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site.
Contact Details
Please contact use if you have any questions or concerns. Our contact details are as follows:
