Terms of Use
My Own Policy Terms & Conditions
PLEASE READ THE FOLLOWING TERMS AND POLICIES CAREFULLY.
WHEN YOU USE OUR WEBSITE YOU ACKNOWLEDGE THAT YOU HAVE READ,
UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS & CONDITIONS.
These Terms & Conditions were last updated on 7/2/2024 and replace and supersede
any previous versions and will remain current until further notice. These Terms &
Conditions apply to these Website addresses, which are owned by My Own Policy
1. Introduction.
These Website Standard Terms & Conditions (these "Terms" or these "Website Terms &
Conditions") shall govern your use of the website(s), including all pages within the
website(s), identified above (collectively, the "Website").
We will refer to My Own Policy as “Provider”, "we", "us", or "our." Similarly, we will refer
to you, our User, our Customer or Client, as "you", "your", or "User." Collectively,
together we are the "parties."
These Terms apply in full force and effect to your use of the Website and by using the
Website, you expressly accept all terms and conditions contained herein in full. You
must not use the Website if you have any objection to any of these Website Terms &
Conditions. If you do not agree to any or all of the terms, your only remedy is to not
use the Website.
The Website is not for use by any minors, which mean persons under the age of 18.
The Website is also not for the use by any person who is legally incompetent or who
lacks the capacity to understand the terms and conditions.
2. Illegal or Abusive Usage is Strictly Prohibited.
You must not abuse, harass, threaten, impersonate or intimidate other users of the
Website. You may not use the Website for any illegal or unauthorized purpose.
International users agree to comply with all local laws regarding online conduct and
acceptable content. Should you be found to have engaged in illegal or abusive usage of
the Website, we will suspend your account or usage as applicable.
3. Intellectual Property Rights.
Other than content you own, which you may have opted to include on the Website,
under these Terms, My Own Policy and/or its licensors own all rights to the intellectual
property and material contained in the Website, and all such rights are reserved.
You are granted a limited license only, subject to the restrictions provided in these
Terms, for purposes of viewing the material contained on the Website.
All content included on the Website, such as text, graphics, logos, button icons, images,
audio clips, digital downloads, data compilations, and software, is the property of My
Own Policy, protected by U.S. and international copyright laws. The compilation of all
content on the Website is the exclusive property of My Own Policy and protected by
U.S. and international copyright laws. All software used on this site is the property of
My Own Policy or its software suppliers and protected by U.S. and international
copyright laws.
The Website graphics, logos, page headers, button icons, scripts, and service names are
trademarks, registered trademarks or trade dress of My Own Policy in the U.S. and/or
other countries. The Website and/or My Own Policytrademarks and trade dress may not
be used in connection with any product or service that is not the Website and/or My
Own Policy, in any manner that is likely to cause confusion among customers or in any
manner that disparages or discredits us. All other trademarks not owned by My Own
Policy that appear on the Website are the property of their respective owners, who may
or may not be affiliated with, connected to, or sponsored by us.
4. Your Account.
If you use the Website, you are responsible for maintaining the confidentiality of your
account and password and for restricting access to your computer, and you agree to
accept responsibility for all activities that occur under your account or password. My
Own Policy reserves the right to refuse service, terminate accounts, remove or edit
content, or cancel orders in their sole discretion.
5. Disclaimer of Warranties and Limitation of Liability.
The Website is provided "as is," with all faults, and My Own Policy makes no express or
implied representations or warranties, of any kind related to the Website or the
materials contained on the Website. Additionally, nothing contained on the Website shall
be construed as providing consult or advice to you.
THE WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS
(INCLUDING SOFTWARE) AND SERVICES INCLUDED ON OR OTHERWISE MADE
AVAILABLE TO YOU THROUGH THE WEBSITE ARE PROVIDED BY My Own Policy ON AN
"AS IS" AND "AS AVAILABLE" BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. My
Own Policy MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS
OR IMPLIED, AS TO THE OPERATION OF THE WEBSITE OR THE INFORMATION,
CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED
ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE WEBSITE, UNLESS
OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF
THIS SITE IS AT YOUR SOLE RISK.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, MY OWN POLICY DISCLAIMS
ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MY
OWN POLICY DOES NOT WARRANT THAT THE WEBSITE; INFORMATION, CONTENT,
MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR
OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE; THESE SERVERS; OR E-
MAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. My
Own Policy WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM
THE USE OF THE WEBSITE OR FROM ANY INFORMATION, CONTENT, MATERIALS,
PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR OTHERWISE
MADE AVAILABLE TO YOU THROUGH THE WEBSITE, INCLUDING, BUT NOT LIMITED
TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES,
UNLESS OTHERWISE SPECIFIED IN WRITING.
6. Applicable Law.
By visiting our website, you agree that the laws, without regard to principles of conflict
of laws, will govern these Terms & Conditions, and any dispute of any sort that might
arise between you and us shall be exclusively decided.
7. Restrictions.
You are expressly and emphatically restricted from all of the following:
1. publishing any Website material in any media; 2. selling, sublicensing and/or
otherwise commercializing any Website material; 3. publicly performing and/or showing
any Website material; 4. using the Website in any way that is, or may be, damaging to
the Website; 5. using the Website in any way that impacts user access to the Website;
6. using the Website contrary to applicable laws and regulations, or in a way that
causes, or may cause, harm to the Website, or to any person or business entity; 7.
engaging in any data mining, data harvesting, data extracting or any other similar
activity in relation to the Website, or while using the Website; or 8. using the Website to
engage in any advertising or marketing;
Certain areas of the Website are restricted from access by you and My Own Policy may
further restrict access by you to any areas of the Website, at any time, in its sole and
absolute discretion. Any user ID and password you may have for the Website are
confidential and you must maintain the confidentiality of such information.
8. Your Content.
In these Website Terms & Conditions, "Your Content" shall mean any audio, video, text,
images or other material you choose to display on this Website. This is unlikely to occur,
but in the event Your Content is displayed on the Website, by displaying it, you grant
My Own Policy a non-exclusive, worldwide, irrevocable, royalty-free, sublicensable
license to use, reproduce, adapt, publish, translate and distribute it in any and all
media. Your Content must be your own and must not be infringing on any third party’s
rights. My Own Policy reserves the right to remove any of Your Content from the
Website at any time, and for any reason, without notice.
9. Indemnification.
You hereby indemnify to the fullest extent My Own Policy from and against any and all
liabilities, costs, demands, causes of action, damages and expenses (including
reasonable attorney’s fees) arising out of or in any way related to your breach of any of
the provisions of these Terms.
10. Severability.
If any provision of these Terms is found to be unenforceable or invalid under any
applicable law, such unenforceability or invalidity shall not render these Terms
unenforceable or invalid as a whole, and such provisions shall be deleted without
affecting the remaining provisions herein.
11. Variation of Terms.
My Own Policy is permitted to revise these Terms at any time as it sees fit, and by using
the Website you are expected to review such Terms on a regular basis to ensure you
understand all terms and conditions governing use of the Website.
12. Assignment.
My Own Policy shall be permitted to assign, transfer, and subcontract its rights and/or
obligations under these Terms without any notification or consent required. However,
you shall not be permitted to assign, transfer, or subcontract any of your rights and/or
obligations under these Terms.
13. Privacy Policy.
These Terms also attach and incorporate our Privacy Policy terms.
My Own Policy Terms of Use
Thank you for your use of our products and services (“Services”). My Own Policy
(“MOP”, “we”, “us” or “our”) provides these Services to you (“you” or “your”), the user
of the Services, including use of the website(s) and/or mobile application(s) utilized to
access the Services (individually and collectively, the “Site”), subject to the terms and
conditions contained in this Terms of Use (“Agreement”). Please read the terms and
conditions of the Agreement carefully. By using the Site and/or accessing or otherwise
using any portion of the Services, you affirmatively represent that you have read,
understood and agree to be bound by the terms of this Agreement and you are of
sufficient legal age to use the Services. If you are not of sufficient legal age or are not
willing to be bound by the terms of this Agreement, you may not access or use any
portion of the Services. Use of the Services. You agree that your use of the Services
must always be lawful and in compliance with the terms of this Agreement and that you
are responsible for all uses of the Services by you and any others using your login
information. By using the Services, you are providing written instructions and/or
consent to us and our affiliates, agents, employees, contractors and third-party
providers to exchange information about you in order to provide the Services to you.
The Services and all data, design, text, images and graphics contained therein are
proprietary and confidential and are licensed to you solely for your personal use in
accordance with the terms of this Agreement. Using our Services does not give you
ownership of any intellectual property rights in our Services or the content that you
access. The Services may also contain third-party trademarks, service marks, graphics,
and logos. The Services are owned and/or licensed by us and are protected by the laws
of the United States. Except as expressly provided herein, we do not grant any express
or implied right to you under any MOP-owned or licensed copyrights, trademarks, trade
secrets, patents, or other proprietary rights. You may not use content from our Services
unless you obtain permission from us and agree to prevent any unauthorized copying,
use, or distribution of the Services. This Agreement does not grant you the right to use
any branding or logos used in our Services. Do not remove, obscure or alter any legal
notices or disclosures displayed in or along with our Services. You may not misuse our
Services or attempt to tamper or interfere with the functioning of the Site or the
Services. You are expressly prohibited from reselling or otherwise using the Services in
any manner not permitted under this Agreement. We may suspend or cease providing
our Services to you if you do not comply with the terms of this Agreement. Some of our
Services are available on mobile devices. Do not use such Services in a way that
distracts you and prevents you from obeying traffic or safety laws. Account Information
and Password Security. You are responsible for maintaining the accuracy of your
account information and the confidentiality of all passwords you use to access the
Services and the Site. You agree that you are solely responsible to Rev. 10-18-18 us for
all activities that occur under your account. If you become aware of any unauthorized
use of your password or of your account, you agree to notify us immediately. You also
agree that in order to receive Service alerts and notifications, you must keep your
information, including email address and mobile phone number (if text alert activated),
current. Failure to maintain accurate contact information may prevent you from
receiving Service notifications or result in a discontinuation of the Services. Service
Eligibility. Privacy. MOP’s Privacy and Security Policy explains how we treat your personal
data and protect your privacy while you use and access our Services. On behalf of the
facility owners while using our website, you agree to the terms of our privacy policy. If
you have any questions regarding our privacy policy, please contact us at
[email protected]. Additional Terms and Conditions. Additional terms and
product requirements may apply to the Services and will become part of your
agreement with us if you use the applicable Services. You must follow any policies made
available to you within the Services. We may suspend or cease providing you with
access to the Services if you fail to comply with these policies. Changes in Terms. We
may modify this Agreement from time to time without notice. If we make material
changes to the Agreement, we will notify you by email or through a message posted on
the Site. You agree that such modified Agreement will be effective immediately after our
notice to you. Your continued use of the Services after our provision of notice to you
will constitute your affirmative acceptance to the modified Agreement. If you do not
agree to the Agreement as amended, you must stop using the Services. Rev. 10-18-18
Product Support. MOP is not obligated to provide technical support under the terms of
this Agreement and provides no assurance that any specific errors or discrepancies in
the Services will be corrected. MOP does not represent that access to the Services or
the Site will be uninterrupted, or that all Services or discounts offered by a participating
merchant through the Site will be honored by the merchant. In certain instances, we
may require you to install an update in order to continue using certain of the Services.
Warranties and Disclaimers; Limitations of Liability. THE SERVICES ARE LICENSED AND
PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY
APPLICABLE LAW, MOP DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS
OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MOP'S CUMULATIVE
LIABILITY TO YOU OR ANY PARTY RELATED TO YOU FOR ANY LOSSES OR DAMAGES
ARISING OUT OF OR RELATING TO THIS AGREEMENT OR USE OF THE SERVICES WILL
NOT EXCEED TWO HUNDRED DOLLARS. IN ALL CASES, SDG AND ITS SERVICE
PROVICERS WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT
REASONABLY FOREESEABLE. Term and Termination. Subject to the terms of this
section, this Agreement will remain in effect for as long as you use the Services. You
may cancel your Services and terminate this Agreement at any time and for any reason
by contacting us at [email protected]. We may terminate this Agreement and
your access to the Services and/or the Site by providing notice to the email address you
provided us. Upon any termination of this Agreement, the rights and licenses granted to
you hereunder, including your ability to access and use the Services, will immediately
terminate, and you shall immediately cease using any and all materials and other similar
content in your possession or control that are proprietary to MOP. You agree that we
will have no liability to you for any costs, losses, damages, or liabilities arising out of or
related to the termination of this Agreement. Any provision of this Agreement that
should, by its nature, survive termination of this Agreement will survive its termination.
Miscellaneous. This Agreement constitutes the complete and exclusive agreement
between you and MOP with respect to the subject matter hereof and supersedes all
prior or contemporaneous oral or written communications, proposals, representations,
understandings, or agreements not specifically incorporated herein. Nothing in this
Agreement, either express or implied, is intended to or will be deemed to confer upon
any other person or entity any right, benefit, or remedy of any nature whatsoever under
or by reason of this Agreement.
7. DISPUTE RESOLUTION: MEDIATION: If a Party to this Agreement believes that a
claim or Dispute (hereinafter "Dispute") relating to this Agreement exists, the Party will
notify the other Party thereof in writing. The Parties agree that for any claim or Dispute
relating to this Agreement among or involving the Parties, the Parties shall meet with
the purpose of resolving the Dispute. If the Parties involved cannot resolve the Dispute
within forty-five (45) business days of notice of Dispute, the Parties agree to resolve the
Dispute by mandatory mediation. The Parties agree that the mediation shall be
conducted and heard by a single Mediator to resolve the claim Dispute. The Mediator
shall be selected according to the National Arbitration and Mediation (NAM) under its
Comprehensive Dispute Resolution Rules and Procedures. Each Party shall bear its own
costs of the mediation, including attorneys' fees, and each Party shall equally share all
charges rendered by the Mediator. If the mediation process described is unsuccessful in
resolving this Dispute, either Party may pursue arbitration. ARBITRATION: The
arbitration must be conducted on an individual basis, and the User/Customer and MOP
agree not to act as a class representative or in a private attorney general capacity in
any claim or Dispute. The arbitration must be brought within the time set by the
applicable statute of limitations (for User/Customer) or within thirty (30) days of the
Customer completing this service, whichever occurs first for the User. The Federal
Arbitration Act (FAA) shall govern this arbitration agreement. The arbitration shall be
conducted by National Arbitration and Mediation (NAM) under its Comprehensive
Dispute Resolution Rules and Procedures for the Self-Storage Industry. The NAM
arbitration rules and procedures may be found at www.namadr.com. Customer
understands that Customer is waiving its right to a judicial adjudication of disputes with
the Provider regarding this Agreement. The Parties know the limited circumstances
under which an arbitration award challenge may be made and agree to those
limitations. The Parties stipulate and agree that they have had sufficient time and
opportunity to consider the implications of their decision to arbitrate and that this
arbitration agreement represents a voluntary choice after due consideration of the
consequences of entering into this Agreement. IF THE PROVIDER CHOOSES
ARBITRATION, THE CUSTOMERSHALL NOT HAVE THE RIGHT TO LITIGATE A CLAIM IN
SMALL CLAIMS COURT OR TO HAVE A JURY TRIAL. THE CUSTOMER IS ALSO GIVING
UP THEIR RIGHT TO PARTICIPATE IN A CLASS ACTION OR OTHER COLLECTIVE
ACTION LAWSUIT OR ARBITRATION. Each Party shall keep all Disputes, mediation, or
arbitration proceedings strictly confidential, except for disclosures of information
required by applicable law or regulation.
After mediation and arbitration, this Agreement will be governed and construed in
accordance with the laws of the state of Arizona, excluding its choice-of-law principles.
All claims arising out of or related to this Agreement or the Services will be litigated
exclusively in the federal or state courts of Maricopa County, Arizona, and the Customer
and MOP consent to personal jurisdiction in those courts. Questions. If you have any
questions regarding our Services or this Agreement, contact us at