Terms & Conditions

Last updated on October 5, 2017

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the www.joinroot.com website (the "Service") operated by IBOD Co., Inc. ("us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.

Accounts

When you create an account with us, you guarantee that you are above the age of 16, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.

We reserve the right to refuse service, terminate accounts, remove or edit content in our sole discretion.

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by IBOD Company Inc..

IBOD Company Inc. has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that IBOD Company Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Ohio, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

Privacy Policy

This privacy policy discloses the privacy practices forwww.joinroot.com. This privacy policy applies solely to information collected by this web site and the mobile application associated with this domain and company (the “app”). It will notify you of the following:

By using the “app”, you agree to this Privacy Policy and the collection and use of information contemplated hereby. This is our entire and exclusive Privacy Policy and it supersedes any earlier version.

Information Collection

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via sign on process or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to write a policy, gather your driving data, etc.

Unless you ask us not to, we may contact you via email, push notification, in “app” promotions in the future to tell you about specials, new products or services, or changes to this privacy policy.

We gather personal information from you and from outside sources for business purposes. Some examples of the information we collect from you may include your name, phone number, home and e-mail addresses, driver's license number, marital status, and family member information. Also, we maintain records that include, but are not limited to, policy coverages, premiums, and payment history. We also collect information from outside sources that may include, but is not limited to, your driving record, claims history, and credit information. We will pull accelerometer, GPS and gyroscope data off your device and continue to monitor your device activity until otherwise notified. Your information is stored in an encrypted environment.

In addition, the “app” and its business partners gather information through Internet activity, which may include, for example, your operating system, your phone carrier, your second by second movement, interactions with other features within the phone while the “app” is installed. We will be calculating your speed, driving patterns, and other habits that can be derived through the use of telematics, links you use, web pages you viewed while visiting our site or applications, social media activity, Internet Protocol (IP) addresses, and cookies.

Information use

The “app” gathers and combines data from the mobile device for the purpose of analysis and risk evaluation as well as for premium/rate calculation. A discount and/or reward may be applied to the policy premium based on the accumulated driving data in accordance with the rules and rates on file with the state insurance department where your vehicle is garaged. Data will be disclosed to third parties as required by law or regulation. Data from the device may be deemed discoverable by third parties and used in an accident investigation and⁄or litigation. The “app” may be legally required to provide the data to others and ⁄or their legal counsel, and you should not expect to retain data privacy or confidentiality. We will not disclose or use data obtained from the device to resolve any claims you or another driver of your vehicle may make with us. We will only use data obtained from the device for resolving a claim if you make a specific request to us in writing, asking us to consider the data. We may also provide certain information to insurance regulators to support rate or other insurance related filings.

Information sharing

In the course of normal business activities, we use and share your personal information. We may provide your information to persons or organizations within and outside of the “app”. This would be done as required or permitted by law. For example, we may do this to:

The persons or organizations with whom we may share your personal information may include, among others:

Mobile Analytics

We use Mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We will link the information we store within the analytics software to any personally identifiable information you submit within the mobile app.

Location Services

Your location is obtained, tracked and monitored from the mobile device or the network using your device's GPS functionality, or directly from you.

Your location information is stored on the “app” servers and retained by until you notify us to remove all historical data in the safest way possible. We do not transfer your identity or personally identifiable information to third parties, other than with service providers necessary to help perform the insurance functions. This information is not used to create a profile about you or your activities.

Opting out of Contact

By having a policy with us, you give us your consent to contact you with communications relating to your policy and our services. If you do not have, or no longer have a policy with us, you can contact us at [email protected] and request that we remove you from our marketing distribution lists. Please note that once you request removal, it may take up to 2 weeks to stop receiving email from us.

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Our employees have access to personally identifiable information, but they are prohibited from using or disclosing information for any purpose other than performing their work for Root. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Updates

Our Privacy Policy may change from time to time and all updates will be posted on this page.

We may change this Privacy Policy by posting a new version of this Privacy Policy on our Website or through the Service, and it is your responsibility to review this policy periodically. When we do change the policy, we will also revise the "Revised" date and may notify you or post a message on the Website and/or through the Service. Your continued use of the Website or the Service constitutes your agreement to this Privacy Policy and any updates.

If you feel that we are not abiding by this privacy policy, you should contact us immediately at[email protected].