1. Ownership of Site; Agreement to Terms of Use
    These Terms and Conditions of Use (the "Terms of Use") apply to your use and access of the services, software, applications (including mobile applications), and websites (collectively, "Services") provided by X Shield, LLC. and its subsidiaries and affiliates (collectively,"we," "us" or "XShield"). BY USING OUR SERVICES ON OUR WEBSITES OR THROUGH THE MOBILE APPLICATION, YOU AGREE TO THESE TERMS OF USE; IF YOU DO NOT AGREE, DO NOT USE OUR SERVICES.
    We reserve the right, in our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of our Services upon the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, We grant you a personal, non-exclusive, non-transferable, limited license to access and use our Services.
  2. Use of Our Services
    In order to use our Services, you must be a resident of a country in which we operate and be at least 16 years of age. By using the Services, you represent that you (i) are at least 16 years old, (ii) have read, understood, and agree to be bound by these Terms of Use.
  3. Accounts, Passwords, and Security
    Certain features or products offered on or through our Services may require you to open an account. You are entirely responsible for maintaining the security and confidentiality of the information you hold for your account, including your ID and password, and for any and all activity that occurs under your account as a result of your failing to keep this information secure and confidential. You agree to notify us immediately of any unauthorized use of your account, ID or password, or any other breach of security of which you are aware. You may be liable for losses incurred by us or any other user of or visitor to the Site due to someone else using your ID, password or account because you failed to keep your account information secure and confidential.
    You may not use anyone else's ID, password or account at any time without the express permission and consent of the holder of that ID, password or account. If you do use someone else's ID, password or account with such person's permission, you will nonetheless be responsible for any transactions conducted thereby and may be liable for losses incurred by us or others as a result.  We cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations.
  4. Use of Our Content; Intellectual Property
    All text, graphics, user interfaces, visual interfaces, photographs, trademarks, service marks, logos, sounds, music, artwork, computer code and other content (collectively, "Content"), including but not limited to the design, structure, selection, compilation, organization, coordination, expression, "look and feel" and arrangement of such Content, found on or through access and use of our Services is owned, controlled or licensed by or to us, and is protected by trade dress, copyright, patent and trademark laws, and other intellectual property and unfair competition laws.
    We reserve all rights in its Content, Mobile Application and other software and technology not specifically granted in any agreements between you and us or in these Terms of Use.
    XShield and other marks indicated on our site are registered trademarks of ours in the United States and other countries. Our service marks, trademarks and trade dress may not be used in any manner that is likely to cause confusion among consumers, in any manner that disparages or discredits us and in connection with any service or product that is not sponsored, endorsed or produced by us. All other trademarks not owned by us that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us
  5. Reviews, Comments, Communications, and Other Content
    You may submit comments and provide other content and information on our websites, blogs and Mobile Application (collectively, "User Generated Content" or "UGC") so long as the content is not obscene, illegal, threatening, or defamatory,  or otherwise invade the privacy or violate the intellectual property rights of a third party. Further, such content may not contain viruses, mass mailings, chain letters, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of the UGC.  We have the right, but not the obligation, to monitor any UGC and communications on our website, blogs and Mobile Application and to take appropriate action, including to remove UGC, if it violates these Terms of Use.
    By submitting UGC, you grant XShield a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute, and display the UGC throughout the world in any media, without a need for any attribution to you. You also irrevocably waive any moral rights that you may have in such UGC. By submitting UGC you also represent and warrant that that the UGC is accurate; you own or have permission to use the UGC that you submit; and that use of the UGC will not cause injury to any person or entity.
    You are also free to submit your feedback and comments about our websites, blogs or Mobile Application's features, functions and other characteristics (collectively, "Feedback").  Any Feedback will be owned by us, and you hereby assign and transfer to us all right, title and interest in and to such Feedback.  To the extent such assignment and transfer are deemed invalid or unenforceable under applicable law, you grant to us a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute, and display the Feedback throughout the world in any media, without a need for any attribution to you.
  6. Purchases; Price Changes; Other Terms and Conditions
    Our websites, blogs and the Mobile Application contain features and functions, such as drop-down menus and check boxes, that allow you to order specific Protection Plans, as explained in detail in the Protection Plan Terms and Conditions.  By indicating your choices and selections (for such matters as the products covered, the type of coverage, the length of the coverage, and the payment plan) using such features and functions, you are agreeing to a binding agreement between you and us with respect to the purchase of the particular Protection Plan you have selected. By entering your credit card, debit card or other electronic payment card information in the spaces indicated, or by scanning such information and uploading it to our websites or to or through our Mobile Application, you are authorizing us to charge your account, on the basis indicated (e.g., on a one-time, monthly or yearly basis), for the Protection Plan you have selected.  We may also use a credit card updating service to obtain current expiration dates on credit cards, and you hereby consent to our use of such service.  From time to time, we may also notify you of price changes on our websites and on the Mobile Application, and the effective date of such price changes.
    By entering and/or uploading your information, including by uploading receipts and other documentation regarding the Protection Plan you have selected or in connection with your claim, you represent and warrant to XShield that the information you have provided is true, accurate and complete.
    Additional terms and conditions may apply to purchases of goods or services and to specific portions or features of our Services, all of which terms are made a part of these Terms of Use by this reference. You agree to comply with such other terms and conditions, including, where, applicable representing that you are of sufficient legal age to use or participate in such service or feature. If there is a conflict between these Terms of Use and the terms and conditions posted for or applicable to a specific portion of our Services, or for any additional products offered through our Services, the latter terms and conditions shall control with respect to your use of that portion of our Service or the specific service.
    We may make changes to any portion of our Services, at any time, without notice. The materials on our Services with respect to products and services may be out of date, and we make no commitment to update the materials with respect to such products and services.
  7. Sweepstakes, Contests, and Similar Promotions
    Any sweepstakes, contests, or similar promotions made available through our website or the Mobile Application will be governed by specific rules that are separate from these Terms of Use. By participating in any such sweepstakes, contest, or promotion, you will become subject to those rules, which may be different from the terms and conditions set forth herein and which, in addition to describing such sweepstakes, contests, or promotions, may have eligibility requirements, such as certain age or geographic restrictions. It is your responsibility to read the applicable rules to determine whether or not your participation, registration and/or entry are valid. You agree to read the applicable rules, which are linked from the particular activity, and to review our Privacy Policy which, in addition to these Terms of Use, governs any information you submit in connection with such activities.
  8. Messaging
    You may receive push notifications, alerts, emails, or other types of messages sent to you via our Services ("Push Messages"). You may opt in or out of these Push Messages via your device's settings or operating system.
  9. Copyright Complaints
    We respect the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us at hello@xshield.io.
  10. Privacy Statements
    XShield is committed to maintaining the privacy of all individuals who access XShield’s web site and services. You can view our privacy policy at www.xshield.io/privacypolicy.
  11. Links to Other Sites
    These Services may contain links to other independent third-party Web sites ("Linked Sites"). These Linked Sites are provided solely as a convenience to our visitors. Such Linked Sites are not under our control, and we are not responsible for and do not endorse the content of such Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites.
  12. Violation of These Terms of Use
    You agree that we may, in our sole discretion and without prior notice, terminate your access to our Services and/or block your future access if we determine that you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of our Services. You also agree that any violation by you of these Terms of Use may constitute an unlawful and unfair business practice, and will cause irreparable harm to us, for which monetary damages would be inadequate, and you consent to us obtaining any injunctive or equitable relief that we deem necessary or appropriate in such circumstances. These remedies are in addition to any other remedies we may have at law or in equity.
    You agree that we may, in our sole discretion and without prior notice, terminate or suspend your access to our Services, for cause, which includes (but is not limited to) (1) requests by law enforcement or other government agencies, (2) a request by you (self-initiated account deletions), (3) discontinuance or material modification of our Services or any product or service we offer on or through the Site, or (4) unexpected technical issues or problems.
    If we take any legal action against you as a result of your violation of these Terms of Use, we will be entitled to recover from you, and you agree to pay, all reasonable attorneys' fees and costs of such action, in addition to any other relief granted to us. You agree that we will not be liable to you or to any third party for termination of your access to the Site as a result of any violation of these Terms of Use or for other cause, as set forth in these Terms of Use.
  13. Void Where Prohibited
    We administer and operate all Services from our location in Lewes, Delaware, United States of America. Although the Services are accessible nationwide, the Services to which these Terms of Use apply are not intended to be accessed and used from outside the United States of America.  Not all features, products or services discussed, referenced, provided or offered are available to all persons or in all geographic locations, or appropriate or available for use outside the United States. We reserve the right to limit, in our sole discretion, the provision and quantity of any feature, product or service to any person or geographic area. Any offer for any feature or product made on our Services is void where prohibited. If you choose to access and use any of the Services from outside the United States of America, you do so on your own initiative and at your own risk, and you are solely responsible for complying with applicable local laws.
  14. Miscellaneous
    You may not use or export or re-export any Content or any copy or adaptation of such Content, or any product or service offered on our Services, in violation of any applicable laws or regulations.
    If any provisions of these Terms of Use are held to be void or unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary and replaced with a valid and enforceable provision that best embodies the intent of these Terms of Use. These Terms of Use constitute the entire agreement between you and us with regard to your use of our Services, and any and all other written or oral agreements or understandings previously existing between you and us with respect to such use are hereby superseded and cancelled. Other than as provided in our agreement you enter into with us, You will not accept any counter-offers to these Terms of Use, and all such offers are hereby categorically rejected. Our failure to insist on or enforce strict performance of these Terms of Use shall not be construed as a waiver by us of any provision or any right it has to enforce these Terms of Use, nor shall any course of conduct us and you or any other party be deemed to modify any provision of these Terms of Use. These Terms of Use shall not be interpreted or construed to confer any rights or remedies on any third parties.
    Some of our services and Content are directed to our international service offerings and, therefore, may contain references or cross references to our services that are not announced in your country. Such references do not imply that we intend to announce or offer such products, programs or services in your country.
  15. Disclaimer
    XSHIELD PROTECTION PLANS ARE NOT AN INSURANCE OR WARRANTY PRODUCTS. EXCEPT AS EXPRESSLY STATED IN AN AGREEMENT BETWEEN YOU AND US, ALL CONTENT AND PRODUCTS PROVIDED BY OUR SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE AND OUR SUPPLIERS AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON INFRINGEMENT. YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT  OUR SERVICES, CONTENT AND PRODUCTS ARE APPROPRIATE OR OTHERWISE FIT FOR YOUR PURPOSES AND FOR YOUR INTENDED APPLICATION AND USE. WE DO NOT WARRANT THAT THE CONTENT AND PRODUCTS OFFERED BY OUR SERVICES MEET YOUR REQUIREMENTS. SUBJECT TO THE TERMS OF ANY AGREEMENT BETWEEN YOU AND US, WE AND OUR SUPPLIERS AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, EVEN IF WE AND OUR SUPPLIERS OR LICENSORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
  16. Indemnity
    You agree to defend, indemnify, and hold harmless us and our employees, officers, directors, contractors, attorneys, and agents (collectively, "Indemnitees") against all claims, expenses, liabilities, losses, costs, and damages of any kind, including reasonable attorney's fees, that the Indemnitees may incur (i) in connection with your use or misuse of the Services, our websites, blogs, Mobile Application or any Linked Sites or (ii) resulting from content, including UGC, you supply.
  17. Governing Law
    You agree that all matters relating to your access to or use of our Services, including all disputes, will be governed by the laws of the United States and by the laws of the State of Delaware without regard to its conflict of laws provisions.
  18. Contact Information
    If you have any questions regarding these Terms of Use, please contact XShield at hello@xshield.io
  19. Arbitration
    Any controversy or claim arising out of or relating to these Terms of Use or breach thereof will be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Under this arbitration provision, we and you both give up the right to resolve any controversy or claim arising out of or relating to these Terms of Use by a judge and/or a jury. Prior to filing any arbitration, we and you jointly agree to seek to resolve any dispute by mediation conducted by the AAA, with all mediator fees and expenses paid by us. If you are successful in obtaining an arbitration award against us greater than $500, we agree to pay all arbitrator fees and expenses.  You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations against us. The laws of the State of California (without giving effect to its conflict of laws principles) govern all matters arising out of or relating to these Terms of Use and all transactions contemplated by these Terms of Use, including, without limitation, the validity, interpretation, construction, performance and enforcement of these Terms of Use. A judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The parties specifically agree to the binding nature of the arbitration. Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred.