Customer care (844) 202-3319 info@goji.com GET QUOTEDABOUTCONTACT Terms of Use These Terms of Use shall apply to www.Goji.com and any domains and affiliated websites and the insurance quote engine (all of which we refer to in these Terms of Use collectively as the “Site”) owned and operated under the “Goji” and/or “Consumer United” brands by Consumers United, Inc. and its licensed insurance agency affiliates - Consumer United LLC, CU Insurance –MA, LLC, and National Consumers United, LLC. We use the terms “we”, “Goji” or the “Company” to refer to these entities collectively and individually, as the context requires. Please read these Terms of Use carefully. By using the Site, you agree to be bound by these Terms of Use. You Agree to These Terms by Using the Site Your access to, and use of, the Site is subject to these Terms of Use and all applicable laws and regulations. By accessing and using the Site in any manner, you accept, without limitation or qualification, all of the terms and conditions set forth in these Terms of Use. If you do not agree and accept, without limitation or qualification, these Terms of Use or any portion of them, you must not use the Site.If you do not agree but nevertheless use the Site, your use of the Site will constitute acceptance of these Terms of Use. Please cease your use and exit the Site if you do not agree to abide by the terms and conditions set forth herein. Please check this page regularly for updates and modifications to the Terms of Use. We may modify or amend them at any time in our sole discretion without notice to you except via a posting on the Site.Your use of the Site following any such posting constitutes acceptance of the revised terms. Ownership of Content The Site and all content and materials on the Site including, but not limited to, all text and images and all trademarks, service marks and logos (which we refer to in the aggregate as “Content”) are the property of Goji or its affiliates or of the third parties who permit Goji to display such third-party Content under license, with all rights reserved unless otherwise noted, and are protected by all applicable laws. Any Content that is a trademark, logo, or service mark is also a trademark (whether or not registered) of the Company or its affiliates, or of third parties used under license. Your use of any Content, except as provided in these Terms of Use, without the written permission of the Content owner is strictly prohibited, and even when permitted must at all times display all appropriate legal and proprietary notices. Any other use is prohibited. You are advised that Goji will aggressively enforce its intellectual property rights to the fullest extent of the law, including seeking criminal prosecution. Your Use of the Site The Site and all of the Content on the Site is available only for your personal, lawful and non-commercial use in connection with seeking quotes for insurance and other products and services. You may not distribute, modify, post, copy, transmit, display, reuse, reproduce, publish, license, decompile, reverse engineer, disassemble, attempt to derive the source code of, create derivative works from, transfer, rent, lease, sell or otherwise use the Site, any Content or anything you download from the Site without Goji’s prior written permission or as expressly permitted or mandated by law. You are prohibited from using the Site to post or transmit any infringing, threatening, false, misleading, abusive, harassing, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. We will fully cooperate with any law enforcement authorities or any court order requesting or directing Goji to disclose the identity of anyone posting or transmitting any such information or materials. Further, you are prohibited from using the Site to advertise or perform any commercial solicitation, or exploiting the Site in any unauthorized manner, including without limitation by trespass or burdening network capacity. Products and Services Goji uses its proprietary platform to provide insurance quotes and is not an insurance carrier or provider. The quotes and other information and materials provided on the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to the products and services offered by Goji’s insurance carrier partners. All coverages are subject to the terms and conditions of the insurance policies issued by such insurance carriers, over which Goji has no authority or control. 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 are only available in the jurisdictions in which Goji and its affiliates and insurance carrier partners are properly licensed. Goji is not responsible for the products and services offered or their availability. All of the information you provide must be accurate and complete. If you do not provide accurate and complete information when seeking insurance or any other product or service offered, you may not receive or may be denied such product or service, or the quotes provided may be inaccurate. We are not liable or responsible for any loss, damage, claim or liability of any kind arising or resulting from inaccurate or incomplete information submitted by you. Privacy Any personal data (for example, your name, address, residential or wireless telephone number or e-mail address) you provide on or transmit to the Site in any manner will be used by Goji in accordance with our Privacy Policy. Any other communication or material you provide or transmit to the Site, such as questions, comments, suggestions or the like, will be treated as non-confidential and non-proprietary and may be used by us for any purpose and without restriction or obligation to you. We value and protect the privacy of your personal information. Please review our Privacy Policy, as it contains important information about our obligations and your use of the Site. Disclaimer of Warranties ALL CONTENT ON THE SITE, ACCESSIBLE FROM THE SITE, OR IN A THIRD-PARTY SITE LINKED TO OUR SITE IS PROVIDED TO YOU “AS IS” WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OFMERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Please note that some jurisdictions may not allow the disclaimer of implied warranties, so some of the above disclaimers and exclusions may not apply to you - in such event, you agree that the maximum liability due from Goji to you for all damages, losses, liabilities and claims of any nature shall be limited to the amount you paid to access and/or the Site. Without limiting the foregoing, Goji does not represent or warrant that (1) your use of any Content will not infringe the rights of any third parties, (2) the Content will be accurate, complete or up-to-date, (3) the operation of the Site or any linked third-party site will be error free, uninterrupted, or free of viruses or other harmful devices, or (4) defects will be corrected. We also do not represent or warrant that you will qualify for any insurance product offered by our insurance carrier partners or any product or service offered via the Site or resulting from your relationship with Goji. Additionally, with reference to any discussions, chats, postings, transmissions, bulletin boards, and the like that may be on the Site, Goji assumes no responsibility or liability arising from any infringing, threatening, false, misleading, abusive, harassing, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law, contained in any such locations on the Site or Content. Limitation of Liability YOUR USE OF THE SITE IS AT YOUR OWN RISK. NEITHER GOJI, NOR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, MEMBERS, MANAGERS, SHAREHOLDERS, AGENTS, ATTORNEYS, REPRESENTATIVES OR ANY OF THE FOREGOING OF ANY OF ITS AFFILIATES AND SUBSIDIARIES, NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE, ARE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR OTHER LOSS, DAMAGE, CLAIM OR LIABILITY OF ANY KIND, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES, ARISING OUT OF OR IN ANY WAY CONNECTED WITH OR RELATED TO (1) THE USE OF THE SITE OR CONTENT, OR INABILITY TO USE THE SITE, (2) ANY THIRD-PARTY SITES OR MATERIALS THEREON, (3) ANY DEFECT, DELAY, INTERRUPTION, ERROR OR VIRUS, OR (4) EXCEPT AS A RESULT OF OUR GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT, THE UNAUTHORIZED ALTERATION OR DISCLOSURE OF YOUR PERSONAL INFORMATION. Not with standing anything to the contrary contained in these Terms of Use, the maximum aggregate liability of Goji to you for all damages, losses, liabilities and claims of any nature shall be limited to the amount you paid to access and/or use the Site. If you are in a jurisdiction that does not allow the limitation or exclusion of certain damages, some of the above exclusions may not apply to you - in such event, you agree that the maximum liability due from Goji to you for all damages, losses, liabilities and claims of any nature shall be limited to the amount you paid to access and/or use the Site. Links to Third Party Sites The Site may contain links to sites owned or operated by parties other than Goji, and other third-party sites may contain links to our Site. Such links are provided for your convenience only. We do not control, and are not responsible for, the content on or the privacy policies or security of any third party sites, which are maintained by their respective organizations. We encourage you to read the terms of use and privacy policies of any such linked third-party site, as they differ from ours. Without limiting the foregoing, Goji specifically disclaims any responsibility if such third party sites: (1) infringe any third party’s intellectual property rights; (2) are inaccurate, incomplete or misleading; (3) are not, or offer products or services that are not, merchantable or fit for a particular purpose; (4) do not provide adequate security; (5) contain viruses or other items of a destructive nature, or content that is libelous, defamatory or otherwise unlawful. We do not endorse the content, or any products or services available, on such third party linked sites and do not make any representations or warranties with respect thereto. If you establish a link to our Site or to any of the third party sites that may be linked from our Site, you do so at your own risk and without Goji’s permission. You accept the risk and liability that may arise by you linking to our Site or any third party site. You should read the terms of use and privacy policies of any such third-party sites. Consent to Receive Telemarketing Calls, Texts and Commercial Emails From time to time we would like to make certain commercial offers available to you. As such, IF you provide your phone number and/or email address to us, you are consenting to receive telemarketing calls, texts and/or emails from us and our affiliates and the third parties with which we do business (which we will identify). Telephone calls and texts may be made to any telephone number you provide, including your mobile telephone number, and may be made via an automated dialing system and/or contain pre-recorded messages, all in accordance with applicable law. If you provide a phone number and/or email address to us, you expressly acknowledge and agree that such phone number and/or email may be used for the purpose of initiating telemarketing calls, texts and e-mail messages.In no event shall you ever be required to provide such consent as a condition to purchasing any product or service. A list of third parties that may contact you should you provide a telephone number or email address can be found here. If you wish to unsubscribe from emails from Goji, please click here. To unsubscribe from marketing calls and emails from our business partners, please click here. If you wish to unsubscribe from all communications, please click here. Export Control Software and other materials from the Site may be subject to the export control laws of the United States, including Export Administration Regulations (together, the “Export Control Laws”). The Export Control Laws prohibit the export of certain technical data and software to certain territories. No software from the Site may be downloaded or exported: (1) into certain countries or territories, including without limitation Cuba, Iraq, Libya, North Korea, Iran, Sudan, Syria, or any other country to which the United States has embargoed goods; (2) to a national or resident of any of the above mentioned countries; or (3) anyone on the United States Treasury Department’s list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department’s Denied Persons List. We do not authorize the downloading or exportation of any software or technical data from the Site to any jurisdiction prohibited by the Export Control Laws. Revisions to the Terms Goji may at any time, and without notice, revise these Terms of Use by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current Terms of Use. Law and Jurisdiction These Terms of Use and your use of the Site are governed by the laws of the Commonwealth of Massachusetts, USA, without regard to its choice of law provisions. The courts of general jurisdiction located within the City of Boston, Massachusetts, USA, will have exclusive jurisdiction over any and all disputes arising out of, relating to or concerning these Terms of Use and/or the Site and Content or in matters in which these Terms of Use and/or the Site and Content are a material fact. In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions. The Site is controlled, operated and intended for use solely within the United States of America. We do not represent or warrant that the Site, the Content, or any use of the Site or any Content are appropriate or lawful for use outside of the United States of America. Use of the Site is void where prohibited. Reporting Claims of Copyright Infringement Goji takes claims of copyright infringement seriously. If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials from the Site in accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), by submitting written notification as set forth herein. Your written “DMCA Notice” should include all of the following: Identification of the copyrighted work that you believe has been infringed; OR, if your claim involves multiple works on the Site, a representative list of those works. Clear identification of the allegedly infringing material, along with enough information to allow us to locate it on the Site. Your current contact information (including your name, postal address, telephone number and email address). A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law. A statement that the information in the written notice is accurate. A statement,under penalty of perjury, that: a) the information you have given us is accurate and b) you are authorized to act on behalf of the copyright owner. Your physical or electronic signature. Send your DMCA Notice to our designated Copyright Agent: Consumers United, Inc. Attn: Legal Notice 31 St James Place Boston, MA 02116 Email:legalnotices@goji.com Please note that if you fail to provide all of the information outlined above, your DMCA Notice may not be effective. Updated: March 1, 2017. ABOUT CONTACT JOIN TERMS PRIVACY LICENSE Copyright @ 2017 Goji. All rights reserved. Ver 1.0.12.