Terms and Conditions

Notice

Please carefully read this notice before you use this website. This website is provided by Real Life Technologies and may be used for informational purposes only. Real Life Technologies retains copyright on all text and graphic images. This means that you may NOT distribute the text or graphics to others or “mirror” this information on your own server without the express written permission of REAL LIFE TECHNOLOGIES or modify or re-use the text or graphics on this system. You may print copies of the information or store the files on your own computer for your personal use.

Arbitration Agreement

IMPORTANT: PLEASE REVIEW THE ARBITRATION AGREEMENT SET FORTH BELOW CAREFULLY, AS IT REQUIRES YOU TO RESOLVE DISPUTES WITH REAL LIFE TECHNOLOGIES ON AN INDIVIDUAL BASIS THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION, AND NOT BY A JURY TRIAL. BY ENTERING INTO THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO ALL OF THE TERMS OF THIS AGREEMENT AND HAVE TAKEN TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION.

Product Availability

The information contained in this website is for educational purposes only. It is not an offer to sell or a solicitation of an offer to buy or sell any insurance product or service. Sales can only be made by licensed insurance representatives of products approved for sale by insurance regulators in states in which REAL LIFE TECHNOLOGIES is licensed. Should you need further information about REAL LIFE TECHNOLOGIES’s products, call our direct sales office at 888-208-REAL (7325).

Sample Product Quotes

Quotes obtained via any of REAL LIFE TECHNOLOGIES’s self-service quoting tools are estimates based on personal information you provided. Similarly, REAL LIFE TECHNOLOGIES’s advertising materials show rates based on specific criteria. Your actual coverage and premium may vary from sample product quotes based on several factors, including length of term, health and underwriting, and any additional policy features you have chosen after consulting with a properly licensed professional.

REAL LIFE TECHNOLOGIES Website Content

REAL LIFE TECHNOLOGIES created this website for the convenience of its customers and its Internet visitors. The information is presented without express or implied warranties and is provided “AS IS.” Due to the nature of the Internet, REAL LIFE TECHNOLOGIES cannot guarantee the accuracy of the information contained in this website or its suitability for any purpose. REAL LIFE TECHNOLOGIES does not guarantee the completeness or authenticity of the information contained on this website, or the information, text, graphics, links, website functionality and other items contained on this server.

REAL LIFE TECHNOLOGIES does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available is free of viruses or other harmful components as such information is received by you because REAL LIFE TECHNOLOGIES cannot control the transmissions of information over the Internet.

Information provided on this website is believed to be generally reliable when posted. However, we cannot guarantee that the information will be accurate, complete and current at all times. This website could include technical inaccuracies or typographical errors. REAL LIFE TECHNOLOGIES will from time to time revise the information, products, or services described in this website, and reserves the right to make such changes without notice.

Liability

The use of this website is entirely at your risk. REAL LIFE TECHNOLOGIES will in no event be liable for damages, including without limitation direct or indirect, special, incidental, punitive, or consequential damages, losses or expenses arising in connection with using this website or using hypertext links contained herein. REAL LIFE TECHNOLOGIES cannot vouch for the accuracy and takes no responsibility for the content of any websites connected by hyperlink to the REAL LIFE TECHNOLOGIES Internet site. REAL LIFE TECHNOLOGIES will also not be responsible for computer virus contamination of your system. It is your responsibility to scan any downloadable materials received from the Internet.

Consent to Contact

By submitting your telephone number on Real Life Technologies.com you provide your signature expressly consenting to contact from REAL LIFE TECHNOLOGIES or its agents at the number provided regarding products or services via live, automated or prerecorded telephone call. You understand that you are not required to enter into this agreement as a condition of purchasing property, goods, or services. You understand that you can revoke this consent at any time.

Dispute Resolution; Arbitration Agreement; Class Action and Jury Trial Waivers

BY AGREEING TO THE TERMS AND CONDITIONS, YOU AGREE THAT YOU ARE REQUIRED TO RESOLVE ANY CLAIM THAT YOU MAY HAVE AGAINST REAL LIFE TECHNOLOGIES ON AN INDIVIDUAL BASIS IN ARBITRATION, AS SET FORTH IN THIS SECTION. THIS WILL PRECLUDE YOU FROM BRINGING ANY CLASS, JOINT, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION (INCLUDING BY MASS ARBITRATION) AGAINST REAL LIFE TECHNOLOGIES, AND ALSO PRECLUDE YOU FROM PARTICIPATING IN OR RECOVERING RELIEF UNDER ANY CURRENT OR FUTURE CLASS, JOINT, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION, OR MASS ARBITRATION BROUGHT AGAINST REAL LIFE TECHNOLOGIES BY SOMEONE ELSE. If any dispute arises that cannot be resolved by contacting REAL LIFE TECHNOLOGIES Customer Service, you and REAL LIFE TECHNOLOGIES agree to have all disputes resolved by arbitration, which shall be final and binding on both parties, except disputes (i) that may be brought in an individual action in small claims court, or (ii) that relate to the ownership or enforcement of intellectual property rights. In addition, you and REAL LIFE TECHNOLOGIES each retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights. In any such case, your waiver of the right to a jury trial and the class action waiver set forth in this Arbitration Agreement shall continue to apply. “Dispute” includes any dispute, claim, action, or other controversy, whether based on past, present, or future events, between you and REAL LIFE TECHNOLOGIES concerning the Website or Terms, whether in contract, tort, warranty, statute, regulation, or other legal or equitable basis. You and REAL LIFE TECHNOLOGIES empower the Arbitrator with the exclusive authority to resolve any dispute relating to the interpretation, applicability or enforceability of these Terms or the formation of this contract, including the arbitrability of any dispute and any claim that all or any part of the Terms are void or voidable. CLASS ACTION AND JURY TRIAL WAIVERS. BY ENTERING INTO THE TERMS, YOU AND REAL LIFE TECHNOLOGIES EACH EXPRESSLY WAIVE THE RIGHT TO A TRIAL BY JURY. ADDITIONALLY, YOU AND REAL LIFE TECHNOLOGIES AGREE THAT EACH MAY ONLY ARBITRATE OR LITIGATE ANY DISPUTE WITH THE OTHER IN AN INDIVIDUAL CAPACITY AND THAT THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTES TO BE ARBITRATED OR LITIGATED IN ANY PURPORTED CLASS, JOINT, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED PROCEEDING (INCLUDING ANY MASS ARBITRATION) OR ON BASES INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY OR ON BEHALF OF THE GENERAL PUBLIC, OTHER USERS, OR ANY OTHER PERSONS. As such, you and REAL LIFE TECHNOLOGIES acknowledge and agree that each waives any right to participation as a plaintiff or a class member in a class action litigation or arbitration (including mass arbitration), or in any other collective or consolidated action, with respect to these terms. Neither you nor REAL LIFE TECHNOLOGIES may be a representative of any other potential claimants or class of potential claimants in any such dispute, nor may two or more users’ disputes be consolidated or otherwise determined in one proceeding. This will also preclude you and REAL LIFE TECHNOLOGIES from participating in or recovering relief under any current or future class, joint, collective, representative, or consolidated action or mass arbitration brought by someone else.

  • Rules and Governing Law. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the AAA’s Consumer Arbitration Rules, the Supplementary Procedures for Consumer Related Disputes, and the Mass Arbitration Supplementary Rules (“AAA Rules”) then in effect, except as modified by this Arbitration Agreement. The AAA Rules and Demand for Arbitration form are available at adr.org or by calling the AAA at 1-800-778-7879. Notwithstanding any choice of law or other provision in the Terms, the parties agree and acknowledge that this Arbitration Agreement involves interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”), will govern its interpretation and enforcement and proceedings pursuant thereto. It is the intent of the parties that the FAA and AAA Rules shall preempt all state laws to the fullest extent permitted by law. If the FAA and AAA Rules are found to not apply to any issue that arises under this Arbitration Agreement or the enforcement thereof, then that issue shall be resolved under the laws of the State of Florida.
  • Initiating Arbitration. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. If the parties are unable to agree upon an Arbitrator within seven (7) days of delivery of the proposed list of arbitrators by the AAA, then the AAA will appoint the Arbitrator in accordance with the AAA Rules.
  • Location and Procedures. The arbitration will be conducted solely on the basis of documents you and REAL LIFE TECHNOLOGIES submit to the Arbitrator, pursuant to the AAA’s Procedures for the Resolution of Disputes through Document Submission, unless you request a hearing and the Arbitrator determines that a hearing is necessary. Any in-person proceedings will take place in Massachusetts or in another jurisdiction to which you and REAL LIFE TECHNOLOGIES agree in writing; provided, however, that if circumstances prevent you from traveling to Florida, the AAA may hold an in-person hearing in the state where you reside.
  • Arbitrator’s Decision. The Arbitrator will render a final and binding written award with a statement of reasons within the time frame specified in the AAA Rules. The Arbitrator may award declaratory or injunctive relief, but only in favor of the individual claimant, and only to the extent necessary to provide relief warranted by the claimant’s individual claim. The Arbitrator shall not have authority to entertain any claim on behalf of a person who is not a named party, nor shall the Arbitrator have authority to make any award for the benefit of, or against, any person who is not a named party. You and REAL LIFE TECHNOLOGIES agree to submit to the exclusive jurisdiction of the federal or state courts located in St. John’s County Florida in order to compel arbitration, to stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.
  • Fees. Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules. REAL LIFE TECHNOLOGIES will reimburse those fees for claims totaling less than $5,000 unless the Arbitrator determines the claims are frivolous or brought for an improper purpose (based on the standards set forth in Federal Rule of Civil Procedure 11(b)). Likewise, REAL LIFE TECHNOLOGIES will not seek attorneys’ fees and costs in arbitration unless the arbitrator determines the claims are frivolous or brought for an improper purpose (based on the standards set forth in Federal Rule of Civil Procedure 11(b)). The right to recover attorneys’ fees and expenses set forth in the Terms supplements any right to attorneys’ fees and expenses you may have under applicable law. You may not, however, recover duplicative awards of attorneys’ fees or costs.
  • Severability. If any part of this Arbitration Agreement, other than the class action waiver, is deemed or found to be unenforceable for any reason, the remainder shall be enforceable. The class action waiver is non-severable and if it is deemed or found to be unenforceable for any reason, the whole Arbitration Agreement shall be null and void.

Privacy

We are committed to transparency about REAL LIFE TECHNOLOGIES privacy practices.  You can find the Privacy Policy applicable to the Website, which is incorporated into the Terms and Conditions by reference at www.RealLifeLeads.com/privacy-policy/

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