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Terms of Use


  1. Dental Insurance Store.com is wholly owned by Bloom Insurance Agency, LLC (“Bloom”). Please read the Terms of Use carefully before using DentalInsuranceStore.com (the "Site"). By using the Site, you agree to be obligated by these Terms of Use. If you are not in complete agreement with any part of these Terms of Use, you must not use the Site. If you continue to use the Site, you are accepting the Terms of Use, as may be modified by Bloom at any time without notice to you. Please check this page regularly for updates.
  2. The Site Does Not Provide Medical of Dental Advice. The contents of the Site, information provided by Bloom’s partners, and any other material contained on the Site ("Content") is for educational purposes only. The Content is not and is not intended to be a substitute for professional medical or dental advice, diagnosis, or treatment. Always seek the counsel of your dental professional or other qualified health provider when you have questions about a condition. Do not ignore professional advice or delay in seeking it because of something you have read on the Site. If you think you may have a medical emergency, call 911 immediately. Bloom does not advocate or endorse any specific tests, dental professional, products, procedures, opinions, or other information that may be mentioned on the Site. Reliance on any information provided by Bloom or the Site, employees, others appearing on the Site at the invitation of Bloom, or other visitors to the Site is completely at your own risk.
  3. Bloom Products and Services. Information in the Site is intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to Bloom’s products and services. All coverages are subject to the terms and conditions of the insurance policies issued. Coverages and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The products and services offered in the Site are only available in the jurisdictions in which Bloom is properly licensed.
  4. Intended for Personal Use. The Site is intended for personal, non-commercial use. You may only use this site to make legitimate requests for the Site’s services or the products offered through the Site.
  5. No Endorsement of outside parties. The use of the name, trademark or service mark of another person or entity on this site and the availability of specific products and services through this site should not be construed by the user as an endorsement or sponsorship of this site by such a person or entity, or the providers of such products or services.
  6. Indemnification. You agree to hold harmless from any claim or demand, including reasonable attorney's fees, Bloom, its subsidiaries, affiliates, offices, agents, co-branders or other partners and employees, from and against any and all claims, damages, losses, costs, or expenses (including reasonable attorneys’ fees) which arise directly or indirectly out of from: (i) your access or use of the Site and its services; (ii) your violation or breach of the Terms of Use; or (iii) your violation of any rights of another.
  7. No Resale. The reproduction, duplication, copying, selling, reselling or exploitation of any Content contained within the Site or any of Bloom’s products or services is strictly prohibited.
  8. Warranty Disclaimers.
    BY USING THIS SITE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
    1. YOUR USE OF THE SITE AND RELATED SERVICES IS AT YOUR EXCLUSIVE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. BLOOM EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
    2. BLOOM MAKES NO WARRANTY THAT (i) ITS SERVICE WILL MEET YOUR NEEDS; (ii) THE SERVICE WILL BE FREE OF PROBLEMS, UNINTERUPPTED OR ERROR FEE OR SECURE; (iii) THE RESULTS FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE OR THAT DEFECTS WILL BE CORRECTED; (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; AND (v) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
    3. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF OUR SERVICE OR THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
    4. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SITE OR THROUGH OUR SERVICE PROVIDERS SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS OF USE.
    5. YOUR USE OF THE SITE AND ANY INFORMATION OR MATERIALS PROVIDED ON OR THROUGH THE SITE ARE ENTIRELY AT YOUR OWN RISK.
  9. LIMITATION OF LIABILITY. YOU EXPRESSLY UNDERSTAND AND AGREE THAT BLOOM, ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS OR SPONSORS, SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF DENTAL INSURANCE STORE.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM OUR SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE. IN NO EVENT SHALL BLOOM’S TOTAL LIABILITY TO YOU FOR ANY AND ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), STATUTORY, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR USING ANY OF THE SITES.

    Bloom makes no representation or warranty that the content and materials on the Site are appropriate or available for use in locations outside the United States. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable.

  10. Links to Other Websites. Regarding links to outside services and resources, any concerns regarding such services or resources should be directed to the particular outside service or resource provider. Bloom does not recommend and does not endorse the content on any third-party website or guarantee or warrant the accuracy or completeness of the information or content included on the websites of its service providers. Bloom is not responsible for the content of linked third-party sites. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites.
  11. Outside Links. At times, the Site may have links to Web sites hosted by third parties or such third party sites may have links to the Site. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by Bloom of the Third-Party Sites. The Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own Web sites. Bloom does not verify nor make any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual property compliance, or links of such Third-Party Sites. You should read the privacy policies and terms of use agreements of all Third-Party Sites.
  12. Notice. Notices to you may be made via either email or regular mail. We may also provide notices of changes to the Terms of Use or other matters by displaying notices or links to notices to you generally.
  13. Copyrights. Bloom respects the intellectual property rights of others and you are expected to do the same. The Site is protected by copyright under both United States and foreign laws. Title to information contained within the Site remains with us and our licensors. Any use of the Site not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws. All rights not expressly granted herein are reserved to Bloom and its licensors. If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access thereto) from this Site by contacting our copyright agent (identified below) and providing the following information: Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work. (a) Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material. (b) Your name, address, telephone number and (if available) e-mail address. (c) A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law. (d) A statement that the information that you have supplied is accurate, and indicating that "under penalty of perjury," you are the copyright owner or are authorized to act on the copyright owner's behalf. (e) A signature or the electronic equivalent from the copyright holder or authorized representative.

    Our agent for copyright issues relating to this web site is as follows:

  14. Trademarks. You acknowledge that the Site, all page headers, custom graphics, and button icons are service marks, trademarks, and/or trade dress of Bloom and that all other trademarks, product names, company names or logos on the Site are the property of their respective owners.
  15. Patents. Software used in the Site is the property of Bloom or its suppliers and is protected by U.S. patent and copyright laws and international treaties. Any use of the software other than as required to navigate and to utilize the functionality offered through the Site is prohibited. You agree not to copy, distribute, publicly display, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the software. Further, you agree not to access the services by any means other than the interface provided by Bloom for your use in accessing the services and content.
  16. Framing and Deep Linking. You agree not to "frame" or "mirror" any services or Content on the Site or any server or Internet-based device without your receipt of prior written authorization from Bloom or the applicable third party. You agree that any link you create to the Site will only be to the main page, www.Dental Insurance Store.com.
  17. General. The Terms of Use constitutes all of the agreement between Bloom and you in connection with your use of the Site and, supercedes any prior agreements between Bloom and you including prior versions of this Terms of Use. Bloom may update this Terms of Use from time to time by posting revised Terms of Use on the Site, without notice to you, and your subsequent use of the Site is governed by those new Terms of Use. The Terms of Service is effective until terminated by Bloom, at any time without notice. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms of Use will survive. Individuals 18 years of age or older residing in the United States are the intended audience of this information. Bloom makes no representation that the services are available for use outside of the United States. Any use of the services and Content is prohibited where they are not allowed by law. The Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in the Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Use, these Terms of Use will control.
  18. Additional. Do not cancel any existing coverage until you receive written confirmation from the insurance company to which you are applying that your new policy is in effect. You may not revise or withdraw a submitted proposal after the application deadline. After submission, revisions to your original submission will not be allowed except as requested by Bloom and governed by law.
  19. Governing Law. The State of Indiana and States Federal Law govern the Terms of Use without regard to the conflicts of law provisions. You agree that any action to enforce the Terms of Use will be brought in the federal or state courts located in Indiana. If any condition of agreement is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions.

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