Terms & Conditions
Terms and Conditions
Last Updated: 10-17-2024
Your use of any website operated by PLPD Insurance (“we,” “us,” or “our”) is governed by the following terms and conditions (“Terms”). By accessing any of our websites (“Website”), you acknowledge that you have read and accepted these Terms, which may be updated from time to time.
1. Binding Arbitration
These Terms stipulate that any disputes between you and PLPD Insurance will be resolved through BINDING ARBITRATION. As a result, you agree to waive your right to go to court, including participation in a class action lawsuit, to assert or defend your rights under these Terms (except for small claims court matters). Your disputes will be determined by a neutral arbitrator, not a judge or jury, and you cannot bring claims as part of a class action.
Please refer to Section 12: Dispute Resolution/Arbitration for detailed information regarding your agreement to resolve disputes through arbitration.
2. TCPA Compliance – Consent to Receive Communications
By providing your phone number and email address, you consent to receive:
•Text messages and emails for promotions, product updates, account updates, company information, and sales.
•Automated messages, pre-recorded calls, and marketing emails sent via an auto-dialer system or other marketing technologies.
Your Rights Under TCPA:
•You are not required to provide consent as a condition of purchasing any product or service.
•You may opt-out at any time by replying STOP to any text message or clicking unsubscribe in any marketing email.
•Standard message and data rates may apply based on your mobile carrier.
If you have any concerns or wish to revoke consent, you can contact us at info@plpd.com or call 810-341-5077.
3. Site Contents
Unless otherwise specified, the content, design, and materials of our Website (collectively referred to as “Contents”) are protected by copyright, trademarks, trade dress, or other intellectual property rights owned, controlled, or licensed by PLPD Insurance. Unauthorized use of the Contents without our explicit written permission is strictly prohibited.
The Contents are intended solely for your personal, non-commercial use. Any copies you make—whether downloaded or printed—must retain all copyright, trademark, and proprietary notices. Except as stated above, you may not reproduce, publish, transmit, distribute, display, modify, create derivative works from, sell, or exploit the Contents in any way.
Unauthorized use of the Contents is strictly prohibited by law.
4. Payments
While we do not process payments online, third-party insurance companies may accept credit and debit cards issued by U.S. banks, as well as other payment methods specified at the time of online purchase through a link to their Website.
By making online payments to a third-party insurance company through our link, you represent and warrant that:
(a) All credit card, debit card, and bank account information you provide is true, correct, and complete;
(b) Your credit/debit card company or bank will honor any charges incurred;
(c) You will pay the posted charges, including any applicable taxes; and
(d) You are the authorized user of the card used for the transaction.
5. Governing Law
All matters related to the PLPD Insurance website, content, or these terms will be governed by the laws of the State of Michigan, without regard to its conflict of law provisions.
6. Prohibited Conduct
As a condition of using the PLPD Insurance website, you agree not to:
•Violate any applicable federal, state, or local laws or regulations.
•Engage in conduct that restricts or inhibits anyone’s use of the website.
•Disable, overburden, damage, or impair the Website’s functionality.
•Use automated devices, bots, or scripts to monitor or copy Website materials.
•Modify, disassemble, reverse engineer, or tamper with the Website.
•Introduce viruses, malware, or malicious code that could harm the Website or users.
Violating these restrictions may result in the immediate termination of your access to our Website.
7. Third-Party Links
Occasionally, our Website may contain links to third-party sites for your convenience. These links do not imply endorsement by PLPD Insurance, and we do not guarantee their accuracy, security, or availability.
By clicking third-party links, you acknowledge that you do so at your own risk. PLPD Insurance is not responsible for any damages or issues arising from your use of third-party websites.
8. Disclaimer of Warranties & Limitation of Liability
PLPD Insurance does not guarantee that the Website:
•Will be uninterrupted or error-free.
•Is free of viruses or harmful elements.
•Will always provide accurate and up-to-date information.
By using our Website, you assume all risks associated with it. PLPD Insurance is not liable for any direct or indirect damages, including loss of data, revenue, or other losses arising from your use of the Website.
9. Indemnification
You agree to indemnify, defend, and hold harmless PLPD Insurance, its officers, employees, and affiliates from any claims, liabilities, damages, losses, or expenses arising from:
•Your use of the Website.
•Your violation of these Terms.
•Any unauthorized use of your account.
10. Dispute Resolution / Arbitration
Any disputes or claims arising under these Terms shall first be resolved through good-faith mediation. If mediation fails, the dispute shall be submitted to binding arbitration in Michigan under the American Arbitration Association (AAA) rules.
You waive your right to file a lawsuit in court and agree to resolve disputes individually. No class-action lawsuits are permitted.
11. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Changes will be posted on this page, and continued use of our Website after changes take effect constitutes acceptance of the revised Terms.
12. Contact Information
For any questions, concerns, or requests regarding these Terms, please contact us:
📧 Email: info@plpd.com
📞 Phone: 810-341-5077
📍 Mailing Address: 1391 Bristol Rd, Flint, MI 48507, United States
