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Hello! Welcome to Steadyy. The following are our Terms of Use. We'll state this stuff as plainly as possible, and we ask that you give it a good honest read through. First, here are some quick term definitions to make things crystal clear.
Your access and use of the Site and features, products, services, and any communications whether provided by Steadyy through, or outside of, the Site, and whether related directly or indirectly to Steadyy (individually and collectively, the “Service”), is subject to the terms and conditions in this Terms of Use. By agreeing to this Terms of Use, including by a click-through or other agreement or by using any aspect of the Service, you expressly acknowledge that you’ve read this Terms of Use and agree to all of its terms and conditions. You represent and warrant that you have the legal capacity to enter a contract in the jurisdiction where you reside. You must agree to this Terms of Use in order to use the Service, and if you do not accept this Terms of Use then you may not use any aspect of the Service. This Terms of Use contains important language governing your use of the Service. It addresses, among other things, information about how we provide the Service, how we or you may terminate the Service, the requirements imposed on you when managing your account and how we handle disputes (which are handled by binding arbitration in most cases).
Below is a table of contents for this Terms of Use. You may click on any particular section to be taken there or simply continue reading.
CONTENTS
Steadyy may update this Terms of Use at any time, and Steadyy will post the updated version of this Terms of Use on the Site. You understand and agree that you will be deemed to have accepted the updated Terms of Use if you use any aspect of the Service after the updated Terms of Use is posted. If at any point you do not agree to any portion of this Terms of Use then in effect, you must immediately stop using the Service. If Steadyy makes any material change to this Terms of Use, we will make reasonable efforts to notify you of the change, such as by sending an email to any address you used to register for an account, through a pop-up window on the Site, or other similar mechanism. Disputes arising under this Terms of Use will be resolved in accordance with the version of the Terms of Use in place at the time the dispute arose. We encourage you to review this Terms of Use frequently to stay informed of the latest modifications.
You are responsible for any Internet connection and telecommunications fees and charges that you incur when accessing the Service. You acknowledge and agree that Steadyy may make changes to any aspect of the Service at any time without notifying you in advance.
Steadyy reserves the right to deny service to any person or entity at Steadyy’s sole and absolute discretion. You acknowledge and agree that Steadyy may stop providing any aspect of the Service or restrict your use of the Service at any time, without notifying you in advance, for any reason or no reason, including, without limitation, for any violation of this Terms of Use or if Steadyy suspects that you have used any aspect of the Service to conduct any fraudulent or illegal activity. If Steadyy disables your access to your account, you may be prevented from accessing the Service, your account details or any materials contained in your account. For the avoidance of doubt, any Insurance Policy you obtain through the Service will remain in effect pursuant to the terms of such Insurance Policy.
You do not need to create an account to visit the Site, but you must have an account to access and utilize certain aspects of the Service, including without limitation those aspects that allow you to apply for and obtain an Insurance Policy. You can create an account by starting the application process. You must be at least twenty (20) years old to create an account. You may be required to provide information about yourself and payment information as part of the application process or your continued use of the Service. You agree that any application information that you submit to Steadyy will be correct, accurate and up to date.
Maintaining account security is very important. You are solely responsible for maintaining the confidentiality of your account password and for all activities that are conducted via your account. You agree to notify Steadyy immediately if you become aware of any unauthorized use of your password or of your account. To better understand how we maintain the security of your personal information, please refer to our Privacy Policy.
Accounts are registered to you personally and may not be sold, traded, gifted or otherwise transferred at any time under any circumstances. You may not share your account with, or disclose your password to, anyone else.
Subject to the terms and conditions of any applicable Insurance Policy, you have the right to cancel your account at any time. You may cancel your account by contacting us via phone call to our Customer Care Center at (800) 829-1217.
S may at any time terminate your account if:
If you voluntarily terminate your account, you may reactivate that account at any time by logging in to the Service through the Site and reactivating the account. Accounts terminated by Steadyy for any type of abuse including, without limitation, a violation of this Terms of Use, may not be reactivated for any reason.
Eligible individuals may apply for Insurance Policies through the Service. Insurance Policies are only available to persons in jurisdictions where such Insurance Policies may legally be sold. By applying for insurance products through the Site, you (a) agree to designate us as your agent of record, (b) authorize us to communicate such designation to any insurance carrier and any other person or entity we determine should be so advised, and (c) permit us to receive any compensation that any insurance carrier agrees to pay to us in connection with your purchase of any Insurance Policy. With respect to any Insurance Policy, if any term or condition of this Terms of Use differs from the terms and conditions of the Insurance Policy, the Insurance Policy’s provisions will control.
Insurance Policies available through Steadyy are underwritten and issued by one of an affiliated life insurers, depending on your state of residence, and are offered in select states through the Site and through affiliated or unaffiliated agents. See the Site for the most current list of states where Steadyy's affiliated life insurers are licensed and approved to issue their Insurance Policies.
Product information and descriptions provided through the Service are not intended to be complete descriptions of all policy terms, exclusions and conditions. If you obtain an Insurance Policy through the Service, please refer to your actual Insurance Policy for complete details of coverage and payment requirements. Your Insurance Policy will contain a payment schedule that will provide information regarding your premiums. Approval of your application is not guaranteed and is subject to acceptance by our affiliated life insurance carriers, as applicable, based upon its respective underwriting guidelines and your personal history. Steadyy, Inc. (d/b/a Steadyy Insurance Services in California and New York) is a licensed insurance agency. Please visit our Licenses page for information on the insurance-related licenses we hold.
Steadyy also is, and may continue to become, authorized to solicit and sell policies of one or more other insurance companies that are not part of the Steadyy family affiliated companies. Other term life insurance products underwritten by yet other insurance carriers but that are not available through Steadyy also may be available in the marketplace.
Steadyy does not provide any legal, regulatory, accounting, tax or health care advice, and we encourage you to consult your own advisors before making any financial decision.
Subject to the terms and conditions of this Terms of Use, Steadyy hereby grants you a limited, non-exclusive, personal, non-sublicensable, non-assignable license to use the Service solely in accordance with this Terms of Use and any rules, restrictions or documentation set forth by Steadyy from time to time. Steadyy reserves all rights not expressly granted to you. You agree not to license, create derivative works from, transfer, sell or re-sell any information, content, materials, data or services obtained from the Service. Steadyy reserves the right to add or remove information, content or Services from the Site at any time at its sole discretion.
You acknowledge and agree that Steadyy may update the Service from time to time with or without notifying you, and may add or remove features or functions to the Service at any time in its sole discretion. You acknowledge and agree that Steadyy has no obligation to make the Service available to you, make any subsequent versions of the Site available to you or to continue to support the Service in any way. You acknowledge that your access to the Service may not be continuous, features may change during your use of the Service, and Steadyy may terminate your access to the Service or stop offering the Service at any time, provided that any Insurance Policy you obtain through the Service will remain in effect pursuant to the terms of such Insurance Policy.
You agree not to access, or attempt to access, the Service by any means other than through the user interface provided through the Site. You specifically agree not to access, or attempt to access, the Service through any automated means (including, without limitation, through the use of scripts, bots, spiders or web crawlers).
You agree that you will not, in connection with your use of the Service, violate any applicable law, ordinance, rule, regulation or treaty. Without limiting the foregoing, you agree that you will not make available through the Service any material or information that infringes any copyright, trademark, patent, trade secret, or other right of any party (including rights of privacy or publicity).
You may not connect to or use the Service in any way that is not expressly permitted by this Terms of Use.
You agree that you will not (a) obtain or attempt to obtain any information from the Service including, without limitation, email addresses or mobile phone numbers of users or other data; (b) intercept, examine or otherwise observe any proprietary communications protocol used by the Service, whether through the use of a network analyzer, packet sniffer or other device; or (c) use any type of bot, spider, virus, clock, timer, counter, worm, software lock, drop dead device, Trojan horse, trap door, time bomb or any other codes, instructions or third party software that is designed to provide a means of surreptitious or unauthorized access to, or distort, delete, damage or disassemble, any aspect of the Service.
You acknowledge and agree that you are solely responsible, and Steadyy has no responsibility or liability to you or any other person or entity, for any breach by you of this Terms of Use or for the consequences of any such breach. Steadyy may at its option, terminate its relationship with you, or may suspend your account immediately if it determines you are using the Service contrary to the restrictions found in this Section 7 or any other terms of this Terms of Use.
The Service may contain links to websites operated by independent third parties. Steadyy provides these links to other websites as a convenience and use of these websites is at your own risk. The linked websites are not under the control of Steadyy and Steadyy is not responsible for the content available on the other websites or services. Such links do not imply Steadyy’s endorsement of information or material on any other website and Steadyy disclaims all liability with regard to your access to and use of such linked websites. You understand and acknowledge that your access and use of linked websites and the services provided through these websites is governed by the terms of service and other agreements posted on such websites.
Unless otherwise set forth in a written agreement between you and Steadyy, you must adhere to Steadyy’s linking policy as follows: (a) the appearance, position and other aspects of any link to the Service may not be such as to damage or dilute the goodwill associated with Steadyy’s or its licensors’ names and trademarks; (b) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Steadyy; and (c) when selected by a User, the link to the Site must display the Site on full-screen and not within a “frame” on the linking website. Steadyy reserves the right to revoke its consent to the link at any time and in its sole discretion.
The Service includes features that operate in conjunction with certain third-party services (“Third-Party Services”). Your access and use of Third-Party Services is governed by the terms of service and other agreements posted by the providers of such Third-Party Services. You understand and acknowledge that the Service is not endorsed or certified by any of the aforementioned Third-Party Services.
The Steadyy name and logo are trademarks and service marks of Steadyy. Unless permitted in a separate written agreement with Steadyy, you do not have the right to use any of Steadyy’s trademarks, service marks or logos and your unauthorized use of any of these may be a violation of federal and state trademark laws.
You acknowledge and agree that Steadyy, or its licensors, owns all right, title and interest in and to the Service, including all intellectual property, industrial property and proprietary rights recognized anywhere in the world at any time and that the Service is protected by U.S. and international copyright laws. Further, you acknowledge that the Service may contain information that Steadyy has designated as confidential and you agree not to disclose such information without Steadyy’s prior written consent.
You may choose to, or Steadyy may invite you to, submit comments, bug reports, ideas or other feedback about the Site and the Service (“Feedback”). By submitting Feedback, you agree that Steadyy is free to use such Feedback at its discretion without any obligation to you. Steadyy may also choose to disclose Feedback to third parties. You hereby grant Steadyy a royalty-free, perpetual, irrevocable, transferable, sublicensable, worldwide, nonexclusive license under all rights necessary to incorporate and use your Feedback for any purpose.
By accepting this Terms of Use or using any aspect of the Service, you represent that you have read and consent to our Privacy Policy in addition to this Terms of Use. Steadyy may revise the Privacy Policy at any time, and a link to the new versions will be posted on the Site. If at any point you do not agree to any portion of the Privacy Policy, you must immediately stop using the Service. By using the Service, you agree to the then-current versions of the Terms of Use and Privacy Policy, which will be posted on the Site.
By accepting this Terms of Use or using any aspect of the Service, you represent that you have read and consent to our Privacy. The Service is operated by Steadyy in the United States. If you choose to access the Service from a location outside of the United States, you do so on your own initiative and you are responsible for compliance with applicable local laws.
The Service is not directed toward persons under 18 years of age, and Steadyy does not knowingly collect information from persons under the age of 18 or allow them to create an account or access account features. If you are under the age of 18, please do not submit any personal information about yourself to Steadyy.
Please read the following provisions carefully – they contain important legal disclaimers:
14.1 You understand and agree that your use of the Service is at your sole risk and that the Service is provided on an “as is” and “as available” basis without warranties or conditions of any kind, either express or implied.
14.2 To the maximum extent permitted by applicable law, Steadyy expressly disclaims all warranties and conditions including, without limitation, warranties and conditions of satisfactory quality, merchantability, fitness for a particular purpose, non-infringement, and those arising from course of dealing or usage of trade.
14.3 Steadyy makes no warranty as to the accuracy, completeness or reliability of any materials, information or data available through, or the performance of, the service.
14.4 Steadyy does not represent or warrant that (a) you will be able to access or use the service at the times or locations of your choosing; (b) that operation of the service will be uninterrupted, timely, secure or error-free; (c) your use of the service will meet your requirements; (d) defects in the operation of the service will be corrected; or (e) the service is free of viruses or other harmful components.
14.5 You acknowledge and agree that any material downloaded or otherwise obtained through the use of the Service is at your own risk and that you will be solely responsible for any damage to your computer, mobile phone or other device or any loss of data resulting from downloading or obtaining such material. Because some states or jurisdictions do not allow the disclaimer of implied warranties, the foregoing disclaimers may not apply to you.
Please read the following provisions carefully – they contain important limitations of Steadyy’s liability:
15.1 To the maximum extent permitted by applicable law, Steadyy and its affiliates, licensors and business partners (collectively, the “Related Parties”) shall not be liable to you under any contract, tort (including negligence), strict liability or other legal or equitable theory for the following:
15.2 Without limiting the foregoing, in no case shall the liability of Steadyy or any of the Related Parties exceed one hundred dollars ($100). Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, the liability of Steadyy and the Related Parties shall be limited to the fullest extent permitted by law.
You agree to defend, indemnify and hold Steadyy and the Related Parties harmless from and against any and all claims, demands, liabilities damages and losses including, without limitation, reasonable attorneys’ fees, resulting from or arising out of (a) your use of the Service or (b) your breach of this Terms of Use or any other policies that Steadyy may issue for the Service from time to time. You further agree to cooperate as required by Steadyy in the defense of any claim. Steadyy reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you will not in any event settle any claim without the prior written consent of Steadyy.
This Terms of Use is governed by Illinois law, without regard to conflict of laws principles. You and Steadyy agree that, except as otherwise provided in Section 18 below, the state and federal courts located in Cook County, Illinois will have exclusive jurisdiction of all disputes arising out of or related to this Terms of Use or in any way related to or arising out of your use of the Service and agree to submit to the personal jurisdiction and venue of these courts. Notwithstanding the foregoing, Steadyy shall be allowed to apply for equitable remedies (including injunctions) in any jurisdiction.
You and Steadyy agree that, except as provided in Section 18.4 below, all disputes, controversies and claims related to this Terms of Use or in any way related to or arising out of your use of the Service (each a “Claim”), shall be finally and exclusively resolved by binding arbitration, which may be initiated by either party by sending a written notice requesting arbitration to the other party. Any election to arbitrate by one party shall be final and binding on the other. The arbitration will be conducted under the Streamlined Arbitration Rules and Procedures of JAMS that are in effect at the time the arbitration is initiated (the “JAMS Rules”) and under the terms set forth in this Terms of Use. In the event of a conflict between the terms set forth in this Section 18 and the JAMS Rules, the terms in this Section 18 will control and prevail.
Except as otherwise set forth in Section 18.4, you may seek any remedies available to you under federal, state or local laws in an arbitration action. As part of the arbitration, both you and Steadyy will have the opportunity for discovery of non-privileged information that is relevant to the Claim. The arbitrator will provide a written statement of the arbitrator’s decision regarding the Claim, the award given and the arbitrator’s findings and conclusions on which the arbitrator’s decision is based. The determination of whether a Claim is subject to arbitration shall be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Except as otherwise provided in this Terms of Use, (a) you and Steadyy may litigate in court to compel arbitration, stay proceedings pending arbitration, or confirm, modify, vacate or enter judgment on the award entered by the arbitrator; and (b) the arbitrator’s decision shall be final, binding on all parties and enforceable in any court that has jurisdiction, provided that any award may be challenged if the arbitrator fails to follow applicable law.
The arbitration will take place in Chicago, Illinois, unless the parties agree to video, phone or internet connection appearances.
You and Steadyy agree that any arbitration shall be limited to the Claim between Steadyy and you individually. You and Steadyy agree that (a) there is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures; (b) there is no right or authority for any dispute to be brought in a purported representative capacity or as a private attorney general; and (c) no arbitration shall be joined with any other arbitration.
You and Steadyy agree that the following Claims are not subject to the above provisions concerning negotiations and binding arbitration: (a) any Claim seeking to enforce or protect, or concerning the validity of, any of Steadyy’s intellectual property rights; (b) any Claim related to, or arising from, allegations of theft, piracy, invasion of privacy or unauthorized use; and (c) any claim for equitable relief. In addition to the foregoing, either party may assert an individual action in small claims court for Claims that are within the scope of such court’s jurisdiction in lieu of arbitration.
If you initiate arbitration for a Claim, you will need to pay the JAMS arbitration initiation fee. If we are initiating arbitration for a Claim, we will pay all costs charged by JAMS for initiating the arbitration. All other fees and costs of the arbitration will be charged pursuant to the JAMS Rules.
You and Steadyy agree that if any portion of this Section 18 is found illegal or unenforceable (except any portion of Section 18.4, that portion shall be severed and the remainder of the section shall be given full force and effect. If Section 18.4 is found to be illegal or unenforceable then neither you nor Steadyy will elect to arbitrate any Claim falling within that portion of Section 18.4 found to be illegal or unenforceable and such Claim shall be exclusively decided by a court of competent jurisdiction within the Cook County, Illinois, United States of America, and you and Steadyy agree to submit to the personal jurisdiction of that court.
This Section 18 shall survive any termination of your relationship with Steadyy.
This Terms of Use may only be revised in a writing signed by Steadyy or published by Steadyy on the Site.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Steadyy as a result of this Terms of Use or your use of the Service.
Steadyy may assign its rights under this Terms of Use to any person or entity without your consent. The rights granted to you under this Terms of Use may not be Steadyy’s prior written consent, and any attempted unauthorized assignment by you shall be null and void.
If any part of this Terms of Use is determined to be invalid or unenforceable, then that portion shall be severed, and the remainder of the Terms of Use shall be given full force and effect.
In the event any litigation or arbitration is brought by either party in connection with this Terms of Use, except as otherwise provided in Section 18.5, the prevailing party shall be entitled to recover from the other party all the reasonable costs, attorneys’ fees and other expenses incurred by such prevailing party in the litigation.
Our failure to enforce any provision of this Terms of Use shall in no way be construed to be a present or future waiver of such provision, nor in any way affect our right to enforce the same provision at a later time. An express waiver by Steadyy of any provision, condition or requirement of this Terms of Use shall not be understood as a waiver of your obligation to comply with the same provision, condition or requirement at a later time.
All notices given by you or required under this Terms of Use shall be in writing and sent to legal@steadyy.com.
You acknowledge and agree that Steadyy would be irreparably damaged if the terms of this Terms of Use were not specifically enforced, and therefore you agree that we shall be entitled, without bond, other security, or proof of damages, to appropriate equitable remedies with respect to breaches of this Terms of Use, in addition to such other remedies as we may otherwise have available to us under applicable laws.
This Terms of Use, including the documents referenced in this Terms of Use, constitutes the entire agreement between you and Steadyy with respect to the Service and supersedes any and all prior agreements between you and Steadyy relating to the Service.
If you have any questions, complaints or claims with respect to the Steadyy properties, please contact us at: team@steadyy.com. We will do our best to address your concerns. If you feel that your concerns have been addressed incompletely, we invite you to let us know for further investigation.
If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
Address: Steadyy Inc., 611 Orchard Ln, Winnetka, IL 60093, Attn: Legal
Telephone: (800) 829-1217
Email: legal@steadyy.com
