App End User License Agreement

Before using, please read carefully this Mobile Application End User License Agreement (“Agreement”) as it is a binding agreement between you (“Licensee” or “you”) and Root, Inc. (“Company”). This Agreement governs your use of the ROOT mobile app, including as available on the Apple App Store and Google Play Store (including all related documentation, the “Application”).

By installing and using the application, you (a) acknowledge that you have read and understand this agreement; (b) represent that you are 18 years of age or older, or the legal age of majority (whichever is greater); and (c) accept this Agreement and agree that you are legally bound by its terms. IN PARTICULAR, THESE TERMS CONTAIN AN ARBITRATION PROVISION THAT WAIVES YOUR RIGHT TO A COURT HEARING AND/OR A JURY TRIAL AND A CLASS ACTION WAIVER THAT WAIVES YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT TO ENFORCE THIS CONTRACT. BY AGREEING TO THESE TERMS, YOU AGREE (A) TO RESOLVE ALL DISPUTES (WITH LIMITED EXCEPTIONS) RELATED TO ROOT’S SERVICES AND/OR PRODUCTS THROUGH BINDING INDIVIDUAL ARBITRATION, WHICH MEANS THAT YOU WAIVE ANY RIGHT TO HAVE THOSE DISPUTES DECIDED BY A JUDGE OR JURY, AND (B) TO WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS, AS SET FORTH BELOW.NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN CONTAINED, YOU HAVE THE RIGHT TO OPT-OUT OF THE ARBITRATION CLAUSE AND THE CLASS ACTION WAIVER AS EXPLAINED IN SECTION 15(1) BELOW. SUBJECT TO THE IMMEDIATELY PRECEDING SENTENCE, IF YOU DO NOT ACCEPT THESE TERMS, YOU ARE NOT GRANTED PERMISSION TO ACCESS OR OTHERWISE USE THE APPLICATION AND ARE INSTRUCTED TO NOT DOWNLOAD, INSTALL OR USE THE APPLICATION OR DELETE IT FROM YOUR MOBILE DEVICE IMMEDIATELY.

1. License Grant. Subject to the terms of this Agreement, Company grants you a revocable, limited, non-exclusive, non transferable, and non-sublicensable license to download, install and use the Application for your personal, non-commercial use on a single mobile device owned or otherwise controlled by you (“Mobile Device”) strictly in accordance with the Application’s documentation.

2. License Restrictions. Licensee shall not:

1. copy the Application, except as expressly permitted by this license;

2. modify, translate, adapt or otherwise create derivative works or improvements, whether or not patentable, of the Application;

3. reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Application or any part thereof;

4. remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property or proprietary rights notices from the Application, including any copy thereof;

5. rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Application or any features or functionality of the Application, to any third party for any reason, including by making the Application available on a network where it is capable of being accessed by more than one device at any time;

6. remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management or security features in or protecting the Application; or

7. access or use the application through manual, voice or other physical manipulation, not including application functionality the Licensee has authorized to function in background mode, while the Licensee is operating a motor vehicle.

Further, you may not access or use the Application or any materials through the Application for any unauthorized purposes. You also acknowledge and agree to the following: (i) Root has the right to control and direct the means, manner, and method by which the Application is provided; (ii) Root may, from time to time, engage independent contractors, consultants, or subcontractors to aid in providing the Application or use thereof; and (iii) Root has the right to provide the Application to others.

3. User Obligations. You must be at least eighteen (18) years of age or the legal age of majority (whichever is greater) to use the Application. By using the Application, you represent and warrant that you have full power, capacity, and authority to agree to this Agreement and have not been previously suspended or removed from using the Application. By purchasing from, downloading from, accessing, or using the Application, you covenant that you will abide by all applicable local, state, and national laws and regulations with respect to your use of the Application, and that you meet all of the above eligibility requirements. You further covenant that you will, at all times, provide true, accurate, current, and complete information (and updates thereto) when submitting information through the Application and agree to provide us reasonable cooperation in connection with operation or support of the Application. Additionally, except as may be expressly permitted by us in writing, the Application, including the messages, data, information, content, or other material provided as part of the Application, are provided only for your personal use and not for resale. Certain information you receive through the Application belongs to Company, and may be subject to one or more copyrights, trademarks, service marks, patents, or other legal protections. You may not (and may not permit or cause any other party to) sell, resell, or otherwise use the Application or any information provided through the Application for commercial purposes.

4. Proprietary Rights and Reservation of Rights. The Application is owned by Root, Inc. Copyright 2016--2025 © Root, Inc. and/or its licensors. ROOT, INC., ROOT, the Company logo, and all other names, logos, and icons identifying the Company and its services or product offerings are proprietary trademarks of the Company, and any use of such marks without the express written permission of the Company is strictly prohibited. Other services, products, or company names mentioned may be the trademarks and/or service marks of their respective owners. Further, you acknowledge and agree that the Application is provided under license, and not sold, to you. You do not acquire any ownership interest in the Application under this Agreement, or any other rights thereto other than to use the Application in accordance with the license granted, and subject to all terms, conditions and restrictions, under this Agreement. Company reserves and shall retain its entire right, title and interest in and to the Application, including all copyrights, trademarks and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement. Accordingly, you may not modify, translate, decompile, create or attempt to create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, publish, perform, transmit, attempt to reverse engineer, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, private label, grant a security interest in, or otherwise use the Application or materials provided through the Application in any manner not expressly permitted herein. You also acknowledge and agree that you may not use the Application or materials provided through the Application to create, train, or improve an AI Tool (as defined below).

5. Fees. You are solely responsible for any charges incurred through your account and any activities conducted through your account. You represent and warrant that: (i) the payment information supplied to Company is true, correct, and complete; (ii) you are duly authorized to use such payment information for the purchase; (iii) charges incurred by you will be honored by your payment company; and (iv) you will pay the premiums shown on your most recent declarations page,, including all applicable taxes and fees, if any. By using a current, valid, and accepted method of payment to pay for any services through the Application, you expressly authorize Company or its agents to charge all fees and other costs incurred in connection with the Application to the accepted method of payment. Company reserves the right at any time to change the fees or costs for use of the billable services available through the Application. Such changes will be effective on the first billing cycle after notice of such new fees. Company reserves the right to deactivate your access to billable portions of the Application for failure to pay applicable fees. Unless otherwise stated, all fees are stated in U.S. dollars.

6. Collection and Use of Your Information. You acknowledge that when you download, install or use the Application, Company may collect information about your Mobile Device and about your use of the Application, including accessing your device’s geolocation and motion sensor features, which may be processed in accordance with our Consumer Privacy Notice.  This collection may use automatic means (including, for example, mobile device’s impressions and postback events) including when you are not using the Application. You also may be required to provide certain information about yourself as a condition to downloading, installing or using the Application or certain of its features or functionality, and the Application may provide you with opportunities for third parties to send us information about you or for you to share information about yourself with others. All information we collect through or in connection with this Application is subject to our Consumer Privacy Notice. By downloading, installing, using and providing information to or through this Application, you consent to our collection and processing of your information as set forth in the Consumer Privacy Notice. Updates. Company may from time to time in its sole discretion develop and provide Application updates, which may include upgrades, bug fixes, patches and other error corrections and/or new features (collectively, including related documentation, “Updates”). Updates may also modify or delete in their entirety certain features and functionality. You agree that Company has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. You may receive notice of or be prompted to download and install available Updates. You shall promptly download and install all Updates and acknowledge and agree that the Application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the Application and be subject to all terms and conditions of this Agreement.

7. Third Party Materials. The Application may display, include or make available third-party content (including data, information, applications and other products, services and/or materials) or provide links to third-party websites or services, including through third-party advertising (“Third Party Materials”). You acknowledge and agree that Company is not responsible for Third Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. Company hereby disclaims, and you hereby waive, any Company liability or responsibility to you or any other person or entity for any Third Party Materials. Third Party Materials and links thereto are provided solely as a convenience to you and you access and use them at entirely at your own risk and subject to such third parties’ terms and conditions. Because the Application incorporates Google Maps/Google Earth, you are also bound by the Google Maps/Google Earth Additional Terms of Service and Google Privacy Policy. Additional notices, terms, and conditions may apply to form submissions, payment, or other websites or services provided through the Application. You agree to abide by such other notices, terms, and conditions, as applicable. If there is a conflict between this Agreement and such other notices, terms, and conditions, the latter terms shall generally control with respect to their respective subject matter.

8. Term and Termination.

1. The term of Agreement commences when you register to use the Application by clicking “Agree” or  “Continue” button ; respond through the Application to a request for information; and/or use, access, or download the Application, whichever is earliest, and will continue in effect until terminated by you or Company as set forth in this Section.

2. You may terminate this Agreement by discontinuing use of the Application and deleting the Application and all copies thereof from your Mobile Device, but all applicable provisions of this Agreement will survive termination, as identified below, and each re-access or use of the Application will reapply this Agreement (then in effect) to you. Upon termination, you must destroy all copies of any aspect of the Application in your possession.

3. Company may terminate this Agreement at any time without notice and for any reason, including but not limited to if it ceases to support the Application, which Company may do in its sole discretion. In addition, this Agreement will terminate immediately and automatically without any notice if you violate any of the terms and conditions of this Agreement.

4. Upon termination:

   1. all rights granted to you under this Agreement will also terminate; and

   2. you must cease all use of the Application and delete all copies of the Application from your Mobile Device and account.

5. Termination will not limit any of Company’s rights or remedies at law or in equity.

9. Contents; Use of Artificial Intelligence. You acknowledge that the use of the Application, including any actions taken or reliance on the information and imagery provided through the Application, are at your own risk. Additionally, the Application and materials or features provided through the Application may include features that use, are powered by, or are artificial intelligence tools, including but not limited to computer systems, software, or features that exhibit or utilize algorithms and training data, and/or human-level cognitive skills to perform tasks, analyze data, or make or assist in making decisions (“AI Tools”). The organization and overall presentation of the materials you receive or access by way of the Application may have been developed or enhanced by the use of AI Tools, including image development and product descriptions. Accordingly, the materials provided through the Application may not be completely error-free or up-to-date. We recommend independently verifying any information available on the Application.

10. Disclaimer of Warranties. THE APPLICATION IS PROVIDED TO LICENSEE “AS IS” AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, COMPANY, ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, WITH RESPECT TO THE APPLICATION, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OR TRADE PRACTICE. WITHOUT LIMITATION TO THE FOREGOING, COMPANY PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE APPLICATION WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS OR BE ERROR FREE OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED. IN ADDITION, COMPANY DOES NOT ASSUME ANY RESPONSIBILITY OR LIABILITY FOR THE USE OR INTERPRETATION OF ANY AI TOOL-GENERATED CONTENT ON THE APPLICATION, AND COMPANY DISCLAIMS ANY LIABILITY FOR DAMAGES OR LOSSES RESULTING FROM THE USE OF OR RELIANCE ON SUCH CONTENT. Additionally, the Application is for informational and educational purposes only, and is not a substitute for professional advice or legal services. Reliance on the information provided by Application is solely at your own risk.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS ON IMPLIED WARRANTIES OR THE LIMITATIONS ON THE APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

11. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COMPANY OR ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE LICENSORS OR SERVICE PROVIDERS, HAVE ANY LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APPLICATION OR THE CONTENT AND SERVICES FOR:

1. PERSONAL INJURY, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COMPUTER FAILURE OR MALFUNCTION OR ANY OTHER CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES

2. DIRECT DAMAGES IN AMOUNTS THAT IN THE AGGREGATE EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE APPLICATION.

THE FOREGOING LIMITATIONS WILL APPLY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY SO SOME OR ALL OF THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.

You agree that Company shall be entitled, in addition to other available remedies, to seek and be awarded an injunction or other appropriate equitable relief from a court of competent jurisdiction restraining any breach, threatened or actual, of your obligations under any provision of this Agreement. Accordingly, you hereby waive any requirement that Company post any bond or other security in the event any injunctive or equitable relief is sought by or awarded to Company to enforce any provision of this Agreement.

12. Indemnification. You agree to indemnify, defend and hold harmless Company and its officers, directors, employees, agents, affiliates, successors and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including reasonable attorneys’ fees, arising from or relating to your violation of any applicable laws, rules, or regulations, your violation of any personal or proprietary rights of a third party, your negligent actions or omissions, your use or misuse of the Application, or your breach of this Agreement. Furthermore, you agree that Company assumes no responsibility for the content you submit or make available through this Application. Company reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Company in asserting any available defenses.

13. Dispute Resolution and Arbitration. 

1. Informal Dispute Resolution. Either party asserting a dispute shall first try in good faith to resolve it by providing written notice to the other party, as specified below, describing the facts and circumstances relating to the dispute (including any relevant documentation) (the “Informal Dispute Resolution Process”). You must send any notice to legal@joinroot.com or to the U.S. mailing address listed in the “Contact” section of this Agreement. Any notice we send to you will be sent to the most recent contact information that you provide us. If no such information exists or if such information is not current, we have no obligation under this section. For a period of sixty (60) days from the date of receipt of notice from the other party, you and Company will attempt in good faith to resolve the dispute, though nothing will require either you or Company to resolve the dispute on terms that either you or Company, in each of our sole discretion, find unacceptable. Both you and Company agree that this Informal Dispute Resolution Process is a condition precedent that must be satisfied before the initiation of arbitration against the other party. Failure to engage in the Informal Dispute Resolution Process will not prevent either party from filing a claim if the applicable statute of limitations might otherwise expire.

2. Arbitration Procedure. Subject to the right of Company to seek injunctive relief, you agree that all disputes between you and Company (whether such dispute involves a third party) regarding your relationship with Company, including, without limitation, disputes related to this Agreement, your use of the Application, and/or rights of privacy and/or publicity, will be resolved by binding, individual arbitration. Any disputes, claims, or controversies that are subject to arbitration under this Agreement shall be arbitrated on an individual basis. No dispute, controversy, or claim shall be arbitrated on a consolidated, class, or collective basis, or under the guise of an individual arbitration proceeding. Each claimant must pursue their claim individually, and the outcomes of one claimant's arbitration shall not bind or be used to bind any other claimant's individual arbitration.Without limiting Company’s right to seek injunctive or other equitable relief (as set forth below), any disputes arising with respect to this Agreement between you and Company shall be referred to an arbitrator affiliated with the Judicial Arbitration and Mediation Services, Inc. (“JAMS”). The arbitrator shall be selected by joint agreement of the parties. In the event the parties cannot agree on an arbitrator within thirty (30) days of the initiating party providing the other party with written notice that it plans to seek arbitration, the parties shall each select an arbitrator affiliated with JAMS, which arbitrators shall jointly select a third such arbitrator to resolve the dispute. Arbitration shall be conducted under the rules then prevailing of the JAMS Streamlined Arbitration Rules and Procedures in effect at the time of filing of the demand for arbitration. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. The arbitration proceeding shall be carried on and heard in a jurisdiction to be determined by the parties, and using the English language. In any action or proceeding to enforce rights under this Agreement, the prevailing party will be entitled to recover costs and reasonable attorneys’ fees from the other party. This dispute resolution  will be conducted in the state of Ohio and governed by the Federal Arbitration Act. Either party may initiate arbitration of a dispute upon completion of the Informal Dispute-Resolution Process for that dispute, and any arbitration under this Agreement will take place on an individual basis. Class arbitrations and class actions are not permitted. The arbitration fees and costs shall be allocated according to the JAMS consumer arbitration rules, which typically limit the consumer’s filing fee obligation to $250, with the remainder paid by Root.

If twenty-five (25) or more individual arbitration demands are filed or served against Root that present common legal or factual issues and are represented by the same or coordinated counsel, the parties agree to the following staged process:

1. Initial Filings. The parties shall group such demands into randomized batches of no more than ten (10) cases each. The first batch will proceed to arbitration, and the remaining cases shall be stayed.

2. Bellwether Arbitrations. The arbitrations in the first batch will be conducted on an expedited basis. The parties agree that the outcomes of those cases will not have binding or preclusive effect on the remaining cases, but the parties will engage in good faith discussions, including mediation if agreed, to resolve the remaining cases in light of the results.

3. Subsequent Batches. If resolution is not reached after the first batch, additional batches of no more than ten (10) cases will proceed sequentially. This process will continue until all demands are resolved.

4. Administrative Fees. The parties agree that JAMS’s Mass Arbitration Procedures & Guidelines shall apply to any such group of cases, even if the number of filings is below the JAMS threshold for such procedures. The arbitrator(s) may modify the batching process to promote efficiency and fairness.

5. Preservation of Rights. Nothing in this section limits a claimant’s right to pursue their arbitration individually. Each claimant remains entitled to seek all remedies available under applicable law in their individual arbitration.

14. Class Action Waiver. BY USING THIS APPLICATION AND AGREEING TO THIS AGREEMENT, YOU HEREBY WILLINGLY, EXPRESSLY, AND KNOWINGLY WAIVE TO THE FULLEST EXTENT OF THE LAW ALL RIGHT TO A TRIAL BY JURY OR TO BRING OR PARTICIPATE IN ANY CLASS-ACTION LAWSUIT, CLASS-WIDE ARBITRATION, OR PRIVATE ATTORNEY-GENERAL ACTION BROUGHT UNDER OR IN CONNECTION WITH THIS AGREEMENT OR YOUR USE OF THE APPLICATION. YOU MAY NOT BRING ANY CLAIM, SUIT, OR OTHER PROCEEDING TO ENFORCE THIS AGREEMENT AS THE MEMBER OF ANY CLASS OR AS PART OF ANY SIMILAR COLLECTIVE OR CONSOLIDATED ACTION. 

1. Opt-out. You have the right to opt-out and not be bound by the arbitration and/or class-action provisions set forth above by sending an email to: legal@joinroot.com or a written notice of your decision to opt-out to: Root Inc., 80 E. Rich Street, Suite 500, Columbus, OH 43215, which notice must include your decision to opt-out, and your name, address, phone number, and signature. The notice must be sent to Company within thirty (30) days of your first agreeing to this Agreement; otherwise, you shall be bound to arbitrate disputes on a non-class basis in accordance with this Agreement. If you opt-out of only the arbitration provisions, and not also the class action waiver provision, the class action waiver still applies. You may not opt-out of only the class action waiver provision and not also the arbitration provisions. If you opt-out of the arbitration provisions, or if you opt out of both the arbitration and the class action waiver provisions, Company will also not be bound by them. Opting out will not affect your use of the Application.

15. Export Regulation. The Application may be subject to US export control laws, including the US Export Administration Act and its associated regulations. You shall not, directly or indirectly, export, re-export or release the Application to, or make the Application accessible from, any jurisdiction or country to which export, re-export or release is prohibited by law, rule or regulation. You shall comply with all applicable federal laws, regulations and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing or otherwise making the Application available outside the US.

16. Severability. If any provision of this Agreement is illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of this Agreement will continue in full force and effect.

17. Governing Law. This Agreement is governed by and construed in accordance with the internal laws of the State of Ohio without giving effect to any choice or conflict of law provision or rule. Any legal suit, action or proceeding that may arise out of this Agreement or the Application shall be instituted exclusively in the federal courts of the United States or the courts of the State of Ohio in each case located in Franklin County. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Notwithstanding the foregoing, all policies for motor vehicle insurance obtained through or with the assistance of the application are governed by the laws in the state in which such policies are written.

18. Entire Agreement. This Agreement and our Consumer Privacy Notice constitute the entire agreement between you and Company with respect to the Application and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Application.

19. Waiver. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.

20. Contact. If you have questions regarding the Application or if you are interested in obtaining more information concerning Root, please contact us at Root Inc., 80 E. Rich Street, Suite 500 Columbus, OH 43215, (866) 980-9431, or help@joinroot.com.