Parachute Website Terms of Use

Please read these Website Terms of Use  (“Terms of Use”) before using the ParachuteDigital.com website or the ParachuteDigitalSolutions.com website (this “Website“). These Terms of Use govern your use of this Website and by browsing or otherwise using this Website, you are consenting to these Terms of Use. If you do not agree to these Terms of Use and do not wish to be bound by them, you should please exit this Website.

This Website is owned and operated by Parachute Digital Solutions, Inc. (“Parachute“) to offer and provide services with respect to optional life and health insurance products issued by licensed insurers (the “Insurers“) to individuals in select states. For the purposes of these Terms of Use, unless otherwise specified, “us“, “we” or “our” means Parachute and its affiliates.

We may update these Terms of Use from time to time and you are responsible for periodically reviewing the most current version posted on this Website. Your continued use of this Website following the posting of a revised Terms of Use on this Website constitutes acceptance of the updated Terms of Use.

Consent to Doing Business Electronically

In connection with the products and services offered through this Website, from time to time you will receive disclosures, notices, documents, and other information, including but not limited to your application, all insurance policy documents (if a policy is issued), claims documents, policyholder notices, and billing statements as permitted under applicable law (“Communications”) from us. The benefits of the products and services offered through this Website are available only by conducting business through the Internet, and therefore we need your consent to conduct business electronically. This section informs you of your rights when receiving such Communications electronically.  As used in this section entitled “Consent to Doing Business Electronically”, “we” or “us” refers not just to Parachute, but also the Insurers and our and the Insurer’s representatives, affiliates and agents.

Scope of Consent

You agree to receive any information related to your insurance policy and all Communications in electronic format until you withdraw your consent, as described below. Your consent extends to the electronic delivery of all of Communications. You understand that your signature is legally binding, whether electronic or signed on paper. You should print or download for your records a copy of this disclosure and any other Communications that are important to you.

By providing your consent, you are also confirming that (1) you have a mobile phone, computer, tablet, or other electronic device that has access to the internet; (2) you have a valid email address; and (3) that your electronic devices have: (a) an up-to-date internet browser; (b) an email program; (c) a program that permits you to view documents in .pdf format; and (d) the capability to download and save any document or electronic Communications we may send to you. By consenting, you acknowledge that you are able to access, review and retain any electronic Communications. If we change or update any of the above requirements in the future, you will be notified via email.

It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this consent and to your account(s).  If there are any changes to this information, you agree to promptly update this information either directly through your account profile or by contacting us in accordance with the Contacting Us section below.

We will not send you a paper copy of any Communications, unless you request it, we otherwise deem it appropriate to do so or we are required to by law. However, you have the right to receive a paper copy of the forms, notices and other communications described above by sending a written request by U.S. Mail at Parachute Digital Solutions, Inc. 56 Perimeter Center East, N.E., Atlanta, GA, 30346, Attn: Legal

Withdrawing Consent

You may withdraw your consent to receive Communications electronically and to use an electronic signature at any time. If you withdraw your consent, from that time forward (1) you will be unable to apply for products and services, including insurance products, through this Website, and (2) we will be unable to continue to process any pending applications for products and services, including insurance products. To withdraw your consent to do business electronically, please send us a written notice by U.S. Mail at Parachute Digital Solutions. Inc. 56 Perimeter Center East, N.E., Atlanta, GA, 30346, Attn: Legal

Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal. Withdrawing your consent will only affect the delivery of electronic records and will not affect the enforceability of the transaction. Any documents already provided electronically will not be re-sent unless requested.

Website Terms of Use

Subject to these Terms of Use, we hereby grant to you a limited, nonexclusive, nontransferable, non-assignable, non-sublicensable, revocable, free of charge license to access, view, store and download information, and use this Website for your non-commercial purposes.  Without limiting the generality of the foregoing, any access to this Website, or to the products and services that are accessible through this Website, by automated inquiry devices, robots, or repetitive data gathering and extraction tools, routines, scripts, or other mechanisms with similar functionality, is expressly prohibited.

This Website is intended solely for use by United States residents who are at least 18 years of age and have otherwise reached the age of majority. The insurance products sold on this Website are not available in every state. 

You may not: (1) sublicense, resell, transfer, assign, commercially exploit or monetize this Website or its contents or otherwise make this Website or its contents available to any third party without our permission; (2) use this Website, or its contents, for any illegal, fraudulent, deceptive or unlawful purposes (including, without limitation, in violation of any data, privacy or export control laws); or (3) use this Website in a manner that harasses, abuses, stalks, threatens, defames, or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights).  Any unauthorized use of this Website, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on the Website is strictly prohibited.  You agree to promptly notify us if you learn of a security breach related to the Website.

Intellectual Property

This Website, including all content, design, marks, texts, pictures, graphics and layout, is the property of Parachute or its service providers and is subject to copyright, trademark and other protective legislation. No intellectual property rights in respect of this Website are granted or extended as a result of making this Website available to you. The content on this Website may not be reproduced, republished, used or modified without Parachute’s express written consent.  You may not copy, modify, adapt, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code in this Website or associate, input, or upload to, or through, the Website any virus, Trojan horse, worm, time bomb, or other harmful computer code, files or programs that interrupts, destroys or limits the functionality of any computer software or hardware or telecommunications equipment.  Parachute and its licensors reserve the right to enforce its and their intellectual property rights to the fullest extent of the law.

Disclaimer and Limitation of Liability

We use every reasonable effort to ensure that the information posted on this Website is accurate when posted. However, we cannot guarantee that the information will be accurate and complete at all times. The content on this Website is for informational purposes only and is not intended to provide financial, legal, medical, accounting or tax advice. You should obtain such advice from an appropriate professional advisor. We shall not be liable for the completeness, correctness, relevance or technical accuracy of any information contained herein, and you agree to bear all risks associated with your use of this Website.

Likewise, you hereby acknowledge and agree that your use of this Website is provided “as is” and “as available” without any representation, warranty or condition of any kind. To the extent permitted by law, we expressly disclaim all express, implied, and statutory warranties, including, without limitation, the warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, reliability, accessibility, security, non-infringement or that this Website will meet your needs.

We reserve the right, without the need to give prior notice, to modify, remove or supplement information and components in this Website, but we do not warrant that defects, inaccuracies or errors on this Website will be identified or remedied.

We make commercially reasonable efforts to ensure this Website is available. However, all or part of this Website may be periodically unavailable, and we may, in our sole discretion, restrict, suspend or cancel access to or use of this Website for all or any one or number of users. In addition, we may change this Website, stop offering products and services through this Website, or create usage limits for this Website without prior notice or we may shut this Website down permanently or temporarily without notice for any reason, including performing maintenance and updates. We may permanently or temporarily terminate or suspend your access to this Website without notice and liability for any lawful reason or for no reason if lawfully permitted.  We may terminate your access to this Website if, in our sole opinion, you have violated these Terms of Use.  Upon any such termination, you continue to be bound by these Terms of Use. Notwithstanding the foregoing, any such suspension, termination, or other change to this Website shall not be with respect to and shall not affect any products and services, including insurance coverage, you’ve already obtained through this Website.

Liability

We shall not be liable for any loss or damage arising, directly or indirectly, from computer viruses, malicious software or code, or otherwise when users visit this Website. Your use of this Website is at your own risk. To the extent permitted by law, under no circumstances and under no legal theory (whether in contract, tort, or otherwise) shall we be liable to you or any third party for (1) any indirect, incidental, special, exemplary, consequential or punitive damages, including lost profits, lost sales or business, lost data or business interruption, (2) any injuries to persons or damage to property related to your use of this Website, or (3) any direct damages, costs, losses or liabilities in excess of one hundred ($100) U.S. dollars. 

Your obligations

You agree to indemnify defend and hold us, the Insurers, our service providers and our and their representatives harmless against all liabilities, losses, damages, suits, claims, demands, costs (including court costs and legal fees), fines and actions relating to your use or misuse of this Website, your breach, violation or non-performance of any term or condition of these Terms of Use, and your violation of any third party’s rights relating to this Website.  We shall provide notice to you of any such claim, suit or demand and we hereby reserve the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests in assisting us in the defense of such matter.

You release and waive all claims against us, the Insurers, our service providers and our and their representatives from any and all claims, damages, liabilities, costs and expenses arising out of your use of this Website or the services available through this Website.  If you are a California resident, you waive any rights you may have under §1542 of the California Civil Code, which reads: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”  You agree to release unknown claims and waive all available rights under California Civil Code §1542 or under any other statute or common law principle of similar effect.  To the extent permitted by applicable law, this release covers all such claims regardless of the negligence of Parachute, the Insurers, our service providers and our and their representatives.

Registered accounts

Some pages on this Website are available only to individuals with registered accounts and log-on credentials. You are responsible for the confidentiality of your log-on credentials and account information, and for all actions taken on this Website while logged on with your credentials. We reserve the right to suspend or cancel website accounts and log-on credentials at any time, for any, or no, reason and without notice. If you suspect that your log-on credentials have been compromised, please notify us immediately using the support contact information provided on the relevant account log-on page.

Insurance Products

If you submit an application for insurance through this Website the insurance is not effective unless you are advised that your application has been approved and a policy has been issued. Product information and descriptions contained within the Site are not intended to be complete descriptions of all applicable terms, exclusions and conditions, but are provided solely for general informational purposes. All insurance products and services are subject to the terms and conditions of the applicable policies. With respect to any insurance product, if any term or condition of these Terms of Use differ from the terms and conditions of the policy, the policy’s provisions will control.

At this time, Parachute insurance products are only available to members of certain association groups that have arranged to have Parachute products offered to their members. Insurance products are available only to people in those jurisdictions in which they may be legally sold. We are agents for the insurance carriers represented on this Website.  By applying for insurance products through this Website, you are agreeing to (1) designate us as your “agent of record” for the purpose of communications between you and the insurance carriers we represent, (2) authorize us to communicate such designation to any insurance carrier and your prior insurance producer, if any, and (3) permit us to receive any compensation that any insurance carrier agrees to pay to us in connection with your purchase of insurance products. Parachute holds the following insurance-related licenses: Florida – L108599, Georgia – 209563, Illinois – 3000757524, Missouri – 3000795137, New York – LA-1590646, Texas – 2485257. This list may be updated from time to time.

Although we would like you to give us the opportunity to resolve any complaint you may have about the insurance products offered through this Website, if we are unable to resolve your complaint, you may also report your complaint to the insurance regulator in your state. Contact information for state insurance regulators in the United States may be found at www.naic.org. We do not provide forms of professional advice of the type that may require additional professional licensing, such as legal, medical, accounting, or tax advice. This Website does not contain any legal, accounting, tax, or regulatory advice. You hereby acknowledge and agree that you are relying solely upon your own advisors with respect to such advice.

Third-party Sites and Content

You acknowledge that this Website may also permit access to products, services, websites, advertisements, promotions, recommendations, advice, information, and materials created and provided by advertisers, publishers, content partners, marketing agents, vendors and other third parties (“Third Party Content and Services”).  By clicking on certain hyperlinks on this Website, you may leave this Website and access such Third Party Content and Services. The linked sites are not under our control or influence and you acknowledge and agree that we do not investigate, monitor, represent or endorse the Third Party Content and Services (including any third party websites or data available through this Website) and the access to and the listing of any Third Party Content and Services through this Website shall not constitute or imply any endorsement by us of such Third Party Content and Services.  We are not responsible for the content and design of or for any changes made to Third Party Content and Services. Your access to and use of the Third Party Content and Services is at your sole discretion and risk, and we and our affiliates, partners, suppliers and licensors shall have no liability to you arising out of or in connection with your access to and use of the Third Party Content and Services. Those sites will be governed by their own privacy policies and terms of use. We reserve the right to restrict or deny access to any Third Party Content and Services otherwise accessible through this Website, although we have no obligation to restrict or deny access even if requested by you.

Permission to Contact

By choosing to be updated about Parachute products and services by email, you agree that we (or a third party acting on our behalf) may email you at that email address for marketing purposes.

By selecting to be updated about Parachute products and services by SMS and providing us with a contact telephone number, you expressly agree that we (or a third party acting on our behalf) may text you at that number for marketing or non-marketing purposes. These texts may be made using an automatic system.

When you give us your home and/or mobile phone number to complete your profile, we have your permission to contact you about your account at that number. Your consent allows us to use text messaging, artificial or prerecorded voice messages and automatic dialing technology, for marketing and non-marketing purposes not prohibited by applicable law. Message and data rates may apply. We may also send an e-mail to any address where we reasonably believe we can contact you.

You may contact us anytime to change these preferences. To permanently cease receiving text messages from us, please reply STOP to any message we send or by unchecking the applicable text box during the application process. Even if you opt out, we may continue to communicate with you by other means. Your opt-out will not apply to notices of policy termination and other service related information.

Website Privacy

Parachute’s Privacy Policy describes how Parachute collects, uses and discloses personal information. Click here for the full Privacy Policy. The privacy policies of each of the Insurers describe their personal information practices. Parachute insurance policies are issued by Securian Financial Group, Inc. (“Securian Financial”) headquartered is Saint Paul, MN. Privacy notices issued by Securian Financial can be reviewed here: https://www.securian.com/privacy-notices.html

Any information, other than personal data or personal information you transmit to Parachute via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become our property. Such information, other than personal data or personal information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. We are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to us via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Security

We maintain physical, electronic and procedural safeguards to protect your personal information and prevent unauthorized or accidental use, access or loss. We limit access to personal information about you to those who have a business need for such access. Individuals who process personal information on our behalf, may do so only in an authorized manner and are required to keep your information confidential. We have policies in place that regulate how our employees and contractors handle information about you. We limit access to our premises and to our computer networks, and take steps to safeguard against unauthorized access to such premises and networks. We have procedures in place to manage any suspected data security breach and will notify you and any applicable regulator of a suspected data security breach consistent with applicable legal requirements.

Other Matters

These Terms of Use and all matters relating to its validity, interpretation, performance and enforcement shall be governed and construed in accordance with the laws of the State of Delaware (without regard to the conflict of law principles thereof).

If, for any reason, a court of competent jurisdiction finds any provision or portion of these Terms of Use to be unenforceable, the remainder of these Terms of Use will continue in full force and effect. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by or on behalf of Parachute. No failure or delay by Parachute in exercising any right, power or privilege under these Terms of Use will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege under these Terms of Use.

These Terms of Use constitute the entire and only agreement between us and you in relation to your use of this Website. No variation of these Terms of Use shall be effective unless it is in writing and signed by or on behalf of Parachute.

Contacting Us

Individual Queries:

If you have any questions or concerns regarding these Terms of Use or our practices relating to ParachuteDigital.com, please contact us by email at info@ParachuteDigital.com or by mail: Parachute Digital Solutions, Inc.: 56 Perimeter Center East, N.E., Atlanta, GA, 30346.

Business Queries:

If you have any questions or concerns regarding these Terms of Use or our practices relating to ParachuteDigitalSolutions.com, please contact us by email at support@ParachuteDigitalSolutions.com or by mail: Parachute Digital Solutions, Inc.: 56 Perimeter Center East, N.E., Atlanta, GA, 30346.

Effective date: August 12, 2020