Terms & Conditions

1.0Acceptance of these terms

These Terms & Conditions ("Terms") are a binding agreement between you and Fenderiva, a brand of The Nelson M Group LLC ("Fenderiva," "we," "us"). They govern your use of fenderiva.com and related services, for example email and text-message programs (the "Services"). By using the Services or submitting a form, you agree to these Terms, our Privacy Policy, and, if you opt in to texts, our SMS Terms. If you do not agree to them, you should not use the Services.

2.0What Fenderiva is, and is not

Fenderiva is an information service. We publish general, plain-language information about how insurance works, how to read a policy, and what tends to affect insurance costs, and let visitors opt in to related updates. We never sell insurance, give quotes, rates, or price estimates, match people with agents or insurers, or refer people to providers, and we never share your details with agents, insurers, or other third-party partners.

• Decisions about your insurance are yours. Reading our content does not obligate you to do anything.
• Your own insurer or agent, not Fenderiva, explains the terms, limits, exclusions, and costs of any policy, and is responsible for your coverage.
• Costs, coverage, and savings vary by person, plan, and location. We will not guarantee that you will save any amount, qualify for any coverage or discount, or get any particular result.

3.0Eligibility

You need to be 18 or older, located in the United States, and able to form a binding contract before using the Services, and the information you submit must be your own or that of a person who authorized you to submit it.

4.0Your information and accuracy

You are responsible for supplying accurate, current information and for updating it when it changes. Only a mobile number you own or are authorized to use may be provided. If your number changes or is reassigned, please reply STOP from the old number or contact us so that we do not message someone else.

5.0Communications and text-message consent

By opting in, you agree that we may reach you by email and, where you check the relevant boxes, by automated text messages as outlined in the SMS Terms. Consent to texts is optional, is not a condition of purchase or of using the Services, and may be withdrawn at any time by replying STOP. Message frequency varies. Message and data rates may apply. Reply HELP for help.

6.0Text messaging: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 888-372-0158.

Mobile information and opt-in data are not sold or shared with third parties or affiliates for marketing or promotional purposes. See the Privacy Policy and SMS Terms.

7.0Acceptable use

Do not (a) submit details that is false, misleading, or belongs to someone else, (b) use the Services unlawfully, fraudulently, or abusively, (c) disrupt the Services or attempt unauthorized access, (d) fill in forms with bots or automated means, (e) copy, scrape, or resell our content without permission, or (f) impersonate anyone. If you do, your access can be suspended or ended.

8.0Third-party organizations and links

Organizations, programs, and products mentioned on or linked from the Services (for example state insurance departments, consumer groups, or insurers) are third-party operations. No product, plan, or provider is endorsed by us, and we have no responsibility for the conduct, content, or results of those third parties. Your relationship with an insurer or agent is between you and them.

9.0Intellectual property

The Services, including the Fenderiva name, logo, text, graphics, and design, are our property or that of our licensors, and intellectual property laws protect them. The license we grant you to view and use the Services is limited, revocable, non-exclusive, non-transferable, and for personal, non-commercial use. The Site's photographs are used under free-use licenses.

10.0Disclaimers

The services and all content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the services will be uninterrupted, error-free, or secure, or that any message will be delivered or delivered on time.

Fenderiva does not offer insurance, legal, or financial advice, and makes no representation about any policy, coverage, price, savings amount, or claim outcome.

11.0Limitation of liability

To the fullest extent permitted by law, Fenderiva and The Nelson M Group LLC, and their members, managers, officers, employees, and agents, will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, or goodwill, arising from or related to your use of (or inability to use) the services, or from any insurance decision you make or do not make. Our total liability for any claim relating to the services will not exceed one hundred U.S. dollars ($100).

Some of the limits above can be unenforceable where you live, since some jurisdictions disallow certain limitations. Liability that cannot be limited by law is not limited by these Terms.

12.0Indemnification

You agree to hold The Nelson M Group LLC, its affiliates, and its personnel harmless, and to indemnify them, for claims, damages, and expenses (appropriate attorneys' fees included) arising from your violation of these Terms, from misuse of the Services, or from giving a phone number or other information that you were not authorized to provide.

13.0Disputes, governing law, and arbitration

Informal resolution first. Start by writing to us at [email protected] and give us a 30-day window to try to settle it.

Binding arbitration. Apart from small-claims matters and injunctive-relief claims over intellectual-property misuse, every dispute between you and Fenderiva or The Nelson M Group LLC arising from or relating to these Terms or the Services shall be resolved through final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. At your choice, the arbitration is held in your county of residence or by video or phone. An arbitrator may award the same individual relief as a court, and judgment on the award may be entered in any court with jurisdiction.

Class-action waiver. Both you and Fenderiva agree, as far as the law permits, to pursue claims individually only, never as a plaintiff or member of a class, collective, or representative action.

Opt-out. Arbitration is optional if, within 30 days of first accepting these Terms, you email [email protected] using the subject line "Arbitration Opt-Out" and giving your name and mobile number.

Governing law. These Terms are under the Federal Arbitration Act and to the law of the state of The Nelson M Group LLC's principal place of business, disregarding conflict-of-law rules. Other than as the arbitration clause offers, courts of that state, state and federal, have exclusive jurisdiction.

14.0Termination

You may stop using the Services at any time, and may opt out of messages by replying STOP. We reserve the right to suspend or terminate access at our discretion, including for violations of these Terms. Disclaimers, limitation of liability, indemnification, disputes, and any other section that by its nature should survive will survive termination.

15.0Changes

We may update these Terms. We will post the new version with a new "Last updated" date. If you continue to use the Services after the effective date, you accept the updated Terms. For material changes, we will supply notification as mandated by law.

16.0General

These Terms, together with the Privacy Policy and SMS Terms, are the entire agreement between you and us on this subject. If any part is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent, and we may assign them in connection with a merger or sale of the business.

17.0Contact us

Questions about these Terms? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: