NIP Group, Inc., NIP Vault, and its affiliate companies (“NIP”) welcomes you to its Website (the “Site”). By accessing this Site, you agree to be bound by these terms and conditions that govern your use of our Site (the “Agreement”). If you do not agree to these terms and conditions, please do not use the Site. We may from time to time change the terms and conditions that govern your use of our Site. Your use of our Site following any such change constitutes your agreement to follow and be bound by the terms and conditions as changed. We may change, move, delete portions of, or may add to, our Site from time to time. Certain provisions of these terms and conditions may be superseded by expressly designated legal notices or terms located on particular pages on this Site.
This Site and the Materials herein are provided on an “as is” basis. NIP makes no representations or warranties, either express or implied, of any kind with respect to this Site, its contents or the insurance products offered. NIP disclaims all such representations and warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, title, non-infringement, results, accuracy, completeness, accessibility, compatibility, security and freedom from computer viruses. You acknowledge, by your use of the Site, that your use of the Site is at your sole risk, that you assume full responsibility for all costs associated with all necessary servicing or repairs of any equipment you use in connection with your use of our Site, and that NIP shall not be liable for any damages of any kind related to your use of this Site. Price and availability information is subject to change without notice. NIP has no obligation to update this Site and keep it current. It is up to you as a prudent reader to understand and determine on your own what you need to do in order to make informed decisions in connection with the services and products offered on this Site. YOUR INSURANCE POLICY, NOT THE STATEMENTS ON THIS SITE, FORMS THE CONTRACT BETWEEN THE INSURED AND THE INSURER. Please contact NIP for the most current prices, terms and availability. This Site could include technical or other inaccuracies or typographical errors. Changes are periodically added to the information herein; these changes will be incorporated in new editions of this Site. NIP may make improvements and/or changes in the material(s), product(s) and/or the program(s) described in this Site at any time. This Site can be accessed from all states and from other countries around the world and may contain references to NIP, services, products, and programs that have not been announced in your state or country. These references do not imply that NIP intends to announce such services, products, or programs in your state or country. PLEASE CONTACT NIP TO DETERMINE THE AVAILABILITY OF ITS PRODUCTS, SERVICES AND PROGRAMS IN YOUR STATE OR COUNTRY. If applicable law does not allow the exclusion of any of the above warranties, the remaining exclusions will apply to the fullest extent permitted by applicable law. \
General Use Parameters and Restrictions
Unless otherwise noted, all materials, including images, illustrations, designs, icons, photographs, audio clips, video clips, news articles, documents, products, software, services, forms and written and other materials that are part of this Site (collectively, the “Materials”) are copyrights, trademarks, trade dress and/or other intellectual properties owned by, controlled by or licensed to NIP or third parties (other than NIP, “Third-Party Providers”). Except as stated herein under the terms of the Site, none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior express written permission of NIP or the Third-Party Provider. No part of the Site, including logos, graphics, sounds, images, layout or design may be reproduced or retransmitted in any way, or by any means, without the prior express written permission of NIP. You also may not, without NIP’s prior express written permission, “mirror” any Material contained on this Site on any other server. Any use of these Materials on any other website or networked computer environment for any purpose is prohibited. Nothing on this Site shall be construed as conferring any license under any of NIP’s or any Third-Party Provider’s intellectual property rights, whether by estoppel, implication, or otherwise. You acknowledge sole responsibility for obtaining any such licenses. Unless otherwise indicated by the terms of the Site, permission is granted to display, copy, distribute and download NIP’s Materials on this Site provided that: (1) both the copyright notice which appears on this Site and this permission notice appear in the Materials, (2) the use of such Materials is solely for personal, non-commercial and informational use and will not be copied or posted on any network computer or broadcast in any media, and (3) no modifications of any of the Materials are made. This permission terminates automatically without notice if you breach any of this Site’s terms or conditions. Upon termination, you will immediately destroy any downloaded and printed Materials. Documents specified above do not include the design or layout of this Site or elements protected by trademark that are protected by United States and International law and other intellectual property rights and may not be copied or imitated in whole or in part. Any unauthorized use of any Materials contained on this Site may violate copyright, trademark, and other laws, including but not limited to laws of privacy and publicity, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
Use of Software
The Software and accompanying documentation that may be made available to download from this Site from time to time are the copyrighted work of NIP and/or third parties. Use of the Software is governed by the terms of the end user license agreement, which accompanies or is included with such Software, or the applicable written agreement between you or your employer and NIP regarding the Software. Any other use is expressly prohibited by NIP. You will not be able to download or install any Software that is accompanied by or includes an end user license agreement unless you agree to the terms of such end user license agreement. If you do not agree to these terms, you will not be able to use the Software.
Registration and Passwords
Your access to the Site may require a username and password (“User Login”). Any details you provide to us to establish or use your User Login must be correct, current and complete. You are responsible for maintaining the confidentiality of your User Login and are fully responsible for all activities that occur under your User Login. You agree to notify us immediately, at email@example.com, of any loss, theft or unauthorized use of your User Login. NIP reserves the right to modify, revoke or refuse a User Login to you or any other party.
Submissions & Third-Party Content Disclaimer
You agree that nothing submitted by you to the Site shall contain any content which: a) libels, defames, invades privacy, or is obscene, pornographic, abusive, or threatening; b) infringes any intellectual property or other right of any entity or person, including, but not limited to violating anyone’s copyrights or trademarks; c) violates any law; d) advocates illegal activity; e) is inaccurate or misleading, or, f) advertises or otherwise solicits funds or is a solicitation for goods or services (collectively, “Non-Approved Material”). You acknowledge that you are responsible for the Materials that you submit, and you, not NIP, have full responsibility for the Materials, including their legality, reliability, appropriateness, originality and copyright. Materials provided by Third-Party Providers have not been independently authenticated in whole or in part by NIP.
You agree that you will not attempt to and will not damage, corrupt or tamper with or infect this website, Content or telecommunication system of NIP with a virus or other malicious computer program, or otherwise compromise the security of this Site or anyone’s User Login or account.
NIP does not provide, sell, license, or lease any of the Materials other than those specifically identified as being provided by NIP. Anything submitted that is of a threatening or libelous nature on this Site which might be considered a violation of any law may require NIP to report and fully cooperate with any law enforcement authorities or a court order requesting or directing NIP to disclose the identity of anyone submitting any such Materials.
Third-Party Links – Generally
This Site may contain links to third-party Web sites, which are not under the control of NIP. NIP makes no representations of any kind regarding the content or appropriateness of content on such sites, and you hereby irrevocably waive any claim against NIP with respect to such sites. When you access a third-party Web site from this Site, you leave this Site and you do so at your own risk. NIP is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these other Web sites. NIP permits or provides these links merely as a convenience. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource. NIP’s webmaster (firstname.lastname@example.org) would appreciate being copied on any complaint or concern expressed to a third-party site linked to this Site so that it can be determined whether any action should or can be taken from this Site which might respond to your complaint or concern.
You agree to give NIP prior written notice, to email@example.com, if you wish to link any other webpage to this Site. Only a direct link to the home page may be made, without framing. We reserve complete discretion to refuse anyone permission to link to our Site.
No endorsement of any third-party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Site, nor does the inclusion of such links imply that NIP endorses or accepts any responsibility for the content or uses of such linked Web sites.
Limitation of Liability and Indemnification
NIP SHALL HAVE NO LIABILITY TO YOU, UNDER ANY CONTRACT, TORT, STRICT LIABILITY OR OTHER LEGAL THEORY, FOR ANY DAMAGES OF ANY KIND RELATING TO YOUR USE OR INABILITY TO USE THIS WEBSITE, ITS CONTENT, LINKS AND SOFTWARE, INCLUDING BUT NOT LIMITED TO ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF DATA, LOSS OF USE, LOSS OF GOODWILL, INTERRUPTION OF WORK OR COMPUTER OR SYSTEM FAILURE), EVEN IF NIP HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.
YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS NIP, INCLUDING ITS PARENT, SUBSIDIARY AND AFFILIATED COMPANIES, DIRECTORS, EMPLOYEES AND AGENTS OF THE FOREGOING, FROM ANY AND ALL DEMANDS, CLAIMS, ACTIONS, DAMAGES, LIABILITIES, EXPENSES OR HARMS, INCLUDING ATTORNEYS FEES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE.
Local Laws and Export Controls
NIP controls and operates this Site from its headquarters in New Jersey and makes no representation that these Materials are appropriate or available for use in other locations. If you use this Site from other locations, you are responsible for compliance with applicable local laws, including, but not limited, to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Site are solely directed to Site visitors located in the United States. You acknowledge and agree that all Materials herein are subject to the U.S. Export Administration Laws and Regulations. Diversion of such Materials contrary to U.S. law is prohibited. You agree that none of the Materials, nor any direct product therefrom, is being or will be acquired for, shipped, transferred, or reexported, directly or indirectly, to proscribed or embargoed countries or their nationals, nor be used for nuclear activities, chemical biological weapons, or missile projects unless authorized by the U.S. Government. Proscribed countries are set forth in the U.S. Export Administration Regulations. Countries subject to U.S. embargo are: Cuba, Iran, Iraq, Libya, North Korea, Syria, and the Sudan. This list is subject to change without further notice from NIP, and you must comply with the list as it exists in fact. You certify that you are not on the U.S. Department of Commerce’s Denied Persons List or affiliated lists or on the U.S. Department of Treasury’s Specially Designated Nationals List. You agree to comply strictly with all U.S. export laws and assume sole responsibility for obtaining licenses to export or reexport as may be required. By downloading or using Materials, including Software from this Site, you are agreeing to the foregoing and you are warranting that you are not located in, under the control of, or a national or resident of any such country or on any such list.
Governing Law and Jurisdiction
This Site (excluding linked sites) is controlled by NIP from its offices within the State of New Jersey, United States of America. By accessing this Site, you and NIP agree that all matters relating to your access to, or use of, this Site shall be governed by and construed under the statutes and laws of the State of New Jersey, without regard to the conflicts of laws principles thereof. Any action brought by either party involving any dispute related to this Agreement shall be brought only in the Superior Court of the State of New Jersey. NIP makes no representation that materials on this Site are appropriate or available for use in other locations and accessing them from territories where this Site’s contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.
This Agreement is effective unless and until terminated by either you or NIP. You may terminate this Agreement at any time. NIP also may terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Site, if in NIP’s sole discretion you fail to comply with any term or provision of this Agreement. Upon any termination of this Agreement by either you or NIP, you must promptly destroy all materials downloaded or otherwise obtained from this Site, as well as all copies of such materials, whether made under the terms of this Agreement or otherwise.
If you have a disability and the format of any material on our web pages interferes with your ability to access the information, please contact the webmaster by email at firstname.lastname@example.org or by phone at 800.446.7647. The webmaster will refer your request to the appropriate NIP department, and the department will respond to your request. To enable us to respond in a manner most helpful to you, please indicate the nature of the accessibility problem, the web address of the requested material, your preferred format in which you want to receive the material (electronic format (ASCII, etc.), standard print, large print, etc.), and your contact information.
900 Route 9 North, Suite 503
Woodbridge, NJ 07095-1003
Toll free phone number: 800.446.7647
Phone number: 800.446.7647