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Terms and Conditions

Date of Last Revision: October 31st, 2020

 

These Terms of Use contain an Arbitration provision.

Orion Financial Services LLC is a state of Connecticut LLC doing business as “Orionfinancialservices.com” (Orionfinancialservices, OrionfsCT). We provide access to the insurance business review services (“Services”) on the Orionfinancialservices.com website at https://www.Orionfinancialservices.com (along with all subdomains, and pages collectively, the “Site”).

Definitions

The terms ‘www.orionfinancialservices.com’  ‘Site’  ‘us’ or ‘we’ refers to the owner and operator of the website www.orionfinancialservices.com Orion Financial Services LLC. The terms ‘you’ ‘user’ or ‘end-user’ refers to the user or viewer of our website. The terms when used with an indication of content provided on the Site is used specifically to describe the aforementioned content.

Compensation

We receive compensation from companies featured or presented in the information, illustrations, and reviews on this Site.

In order to provide our services and products, we receive compensation from the companies we represent through our agreements with those companies. You may read more about the Site’s compensation by visiting https://www.orionfinancialservices.com/prod/compensation.

General Usage Conditions

  • This is a binding agreement between you and the Site.
  • By using this site (and its related sites, tools, and services including without limitation, the Service) you agree to be bound by the Terms of Use Agreement (“TOU”) and the Privacy Policy of the “Site”) If you do not wish to be bound by the TOU and Privacy Policy, you must leave this site immediately.
  • Further use of the Site is considered your acceptance of these TOU together with the Privacy Policy. Orion Financial Services LLC reserves the right to change and update these terms from time to time, this TOU and all associated documents incorporated by reference.
  • You may locate the most recent version of this TOU at https://www.orionfinancialservices.com/prod/about/terms-and-conditions/.
  • Upon update of the TOU Orion Financial Services LLC will post a notice on its home page about the update.
  • Usage of the Site upon change or update constitutes acceptance of the TOU in its current form.
  • The Site provides information and reviews for informational, Research, or Illustration purposes only.
  • The reviews and information provided on the Site are opinions to be used in your research of the specific products and services offered.
  • They are not to be construed as professional or legal advice by our website, its owners, or other staff.
  • Visitors to the Site should know that many factors affect the ability for an illustration or information presented by the Site to be applicable in their unique situation and that they should contact a licensed agent to further understand their options and not rely on the presented information as professional or legal advice.
  • Although an effort is made to ensure that all information presented is accurate and up to date, we cannot and do not provide a warranty for the accuracy of data and information on this site.
  • No agent or representative has the authority to create any warranty regarding the Site on behalf of Orion Financial Services LLC.
  • Orion Financial Services LLC reserves the right to change or discontinue at any time any aspect or feature of the Website for any reason without notice.
  • Neither Orion Financial Services LLC nor its employees, agents, third-party information providers, merchants, integration partners, licensors, or the like warrant that the Site or its operation will be accurate, free from error, reliable, or uninterrupted.
  • Your use and continued use of the Site is at your own risk.
  • This website is provided to you “as is,” without warranty of any kind either express or implied.

User Content

You grant the Site a license to use any User Content you provide. By using the Site, you grant Orion Financial Services LLC a license to use the materials you post to the Site or Service. By posting, downloading, displaying, performing, transmitting, or otherwise distributing information or other content (“User Content”) to the Site or Service, you are granting Orion Financial Services LLC, its affiliates, officers, directors, employees, consultants, agents, and representatives a license to use User Content in connection with the operation of the business of Orion Financial Services LLC, its affiliates, officers, directors, employees, consultants, agents, and representatives, including without limitation, a right to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat User Content. You will not be compensated for any User Content you provide. You agree that Orion Financial Services LLC, may publish or otherwise disclose your name in connection with your User Content. By posting User Content on the Site or Service, you warrant and represent that you own the rights to the User Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute User Content.

Intellectual Property and Copyright

Our Site may contain content produced by Orion Financial Services LLC or others as original content. Our Site and all of its original contents (collectively, the “Intellectual Property”), are protected by copyright, trademark and other laws of the United States, as well as international conventions and the laws of other countries.

The Intellectual Property is owned or controlled by Orion Financial Services LLC or the party credited as the provider of the intellectual property. Additionally, the Site itself is protected by copyright as a collective work or compilation or both.

No portion of this Site may be reproduced, duplicated, copied, sold, or otherwise exploited for any commercial purpose that is not expressly permitted by Orion Financial Services LLC.

You may browse through the Site and download the Services. You must keep intact all copyright, trademark, and other notices contained in your personal copies.

Except as otherwise provided in this TOU, you may not reproduce or allow others to reproduce your personal copies of downloaded materials, nor may you make them available electronically without our express written consent.

You may not save or archive a significant portion of the material appearing on the Site.

You may not attempt to alter or modify the content posted on the Site. Except as expressly set forth in this TOU, you may not copy, download, display, distribute, publish, enter into a database, perform, modify, create derivative works, transmit, post, decompile, reverse engineer, disassemble or in any way exploit any of our Intellectual Property or the Site itself.

Except for material in the public domain under United States copyright law, all material contained on the Site (including all software, HTML code, Java applets, Active X controls, and other code) is protected by the United States and foreign copyright laws.

Except as otherwise expressly provided in these terms and conditions, you may not copy, distribute, transmit, display, perform, reproduce, publish, license, modify, rewrite, create derivative works from, transfer, or sell any material contained on the Website without the prior consent of the copyright owner.

None of the material contained on Orion Financial Services LLC (www.orionfinancialservices.com) website and any subpages or other web-accessible areas may be reverse-engineered, disassembled, decompiled, transcribed, stored in a retrieval system, translated into any language or computer language, retransmitted in any form or by any means (electronic, mechanical, photo reproduction, recordation or otherwise), resold or redistributed without the prior written consent of Orion Financial Services LLC.

Violation of this provision may result in severe civil and criminal penalties.

Usage Restriction

You may not use this Site for any purpose that is unlawful or prohibited by this TOU, or cause damage to yourself or others on or through this Site.

You agree not to use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, or copy any part of this Site, except those automated means that Orion Financial Services LLC has expressly approved in writing in advance.

You agree not to:

  • Interrupt or attempt to interrupt the operation of the Orion Financial Services LLC websites in any way;
  • Attempt to obtain or decrypt any passwords or other security protections for any account to which you do not have permitted access;
  • Act on behalf of another person without express permission to do so and you will not misrepresent your affiliation with a person or entity; or misrepresent the origin of any information provided by you;
  • Copy, reverse engineer, reverse assemble, decompile, create derivative works, modify, or otherwise attempt to derive the source code of the websites, nor make any unauthorized use of any content on the websites;
  • Display, disclose, rent, lease, modify, loan, distribute, or create derivative works based on the websites or any part thereof;
  • Remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management, or security features of the websites;
  • Exploit the websites in any unauthorized way whatsoever; or
  • Post, transmit or display any offensive, defamatory, hateful, threatening, obscene or anti-competitive materials or encourage any illegal activities on the websites.

You promise that none of your communications with or through the Site will violate any applicable local, state, national or international law.

Third-Party Sites and Services

This site may contain links to other sites owned by third parties. Your use of each of those sites is at your own risk and is subject to the terms of those sites.

Statements made on third-party Web sites linked to or from this Site reflect only the views of their authors and not of Orion Financial Services LLC. Orion Financial Services LLC inclusion on the Site of any third-party content or a link to a third-party site is not an endorsement of that content or third-party site.

Orion Financial Services LLC has no control over sites we do not own or maintain, Orion Financial Services LLC assumes no responsibility for third-party content or services offered by linked third-party sites, and makes no representations regarding the validity or security of such third party sites.

Miscellaneous Provisions

This TOU and the Privacy Policy constitute the entire understanding between Orion Financial Services LLC and you respecting the use of the Site and the Services, superseding all prior agreements between you and Orion Financial Services LLC. If there is any conflict between the terms of this TOU and those in the Privacy Policy, the terms of this TOU will control, except to the extent that the Privacy Policy imposes additional restrictions and liabilities on your actions.

Governing Law, Jurisdiction, and Attorneys’ Fees.

This Site (excluding linked sites) is controlled by us from our office in Norwalk, Connecticut, United States of America. It can be accessed from all 50 states of the United States and from specific countries around the world however only applies to the states where Orion Financial Services LLC or its Authorized Agents are licensed to do business if applicable. As each of these jurisdictions has laws and regulations that may differ from those of Connecticut, by accessing this Site you and Orion Financial Services LLC agree that the laws of Connecticut will apply to all matters relating to the use of this Site. Exclusive jurisdiction must lie with the courts of Connecticut for all disputes, actions or proceedings arising out of or relating to your use of the Site. In any dispute that arises out of the relationship of Orion Financial Services LLC and you, including tort claims, each party will be entitled to attorneys’ fees and costs unless overridden by statutory minimums or other statutory requirements.

Time to Bring a Claim. Regardless of any applicable law to the contrary, any claim or cause of action arising out of or related to the Site, or the use of the Site, must be brought within one year after such claim or cause of action arose.

This English-language TOU is Orion Financial Services LLC official agreement with users of this Site. In case of any inconsistency between this TOU and its translation into another language, this English-language document controls.

Severability

If a provision of this TOU is held to be illegal, invalid or otherwise unenforceable, then: (i) it must be deemed amended to achieve as nearly as possible the same economic effect as the original provision, and (ii) such determination does not affect the remaining legality, validity and enforceability of the remaining provisions of this TOU and they shall remain enforceable in a matter that most closely matches the intent of the original language and shall not be affected or impaired.

Waiver

No failure or delay on the part of Orion Financial Services LLC in exercising any right, power or remedy under this TOU may operate as a waiver, nor may any single or partial exercise of any such right, power or remedy preclude any other or further exercise of such right, power, or remedy, or the exercise of any other right, power or remedy under this TOU.

Exclusion of Liability and Disclaimer of Warranties

ORION FINANCIAL SERVICES LLC DOES NOT GUARANTEE THE ACCURACY OF INFORMATION FOUND ON THE SITE OR THROUGH THE SERVICES. USE OF THE SITE, THE SERVICES, AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS AT YOUR SOLE RISK. THE SITE, THE SERVICES AND ALL CONTENTS OF EACH ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

ORION FINANCIAL SERVICES LLC DOES NOT REPRESENT THAT THE SITE, THE SERVICES OR ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES IS APPROPRIATE OR AVAILABLE FOR USE OUTSIDE THE UNITED STATES.

ORION FINANCIAL SERVICES LLC DOES NOT WARRANT THAT THE SITE OR SERVICES WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR SERVICES WILL OPERATE ERROR-FREE, OR IN AN UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED, OR THAT THE SITE OR SERVICES ARE COMPATIBLE WITH ANY PARTICULAR PLATFORM. ORION FINANCIAL SERVICES LLC IS NOT OBLIGATED TO PROVIDE ANY UPDATES TO THE SITE OR SERVICES.

ORION FINANCIAL SERVICES LLC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE MATERIALS ON THIS SITE OR SERVICES IN TERMS OF THEIR TIMELINESS, CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WHILE ORION FINANCIAL SERVICES LLC MAKES REASONABLE EFFORTS TO PROVIDE ACCURATE AND TIMELY INFORMATION ON THE SITE, YOU SHOULD NOT ASSUME THAT THE INFORMATION PROVIDED IS ALWAYS UP TO DATE OR THAT THE SITE CONTAINS ALL THE RELEVANT INFORMATION AVAILABLE ABOUT ORION FINANCIAL SERVICES LLC. ORION FINANCIAL SERVICES LLC UNDERTAKES NO OBLIGATION TO VERIFY OR MAINTAIN THE ACCURACY OF SUCH INFORMATION.

ORION FINANCIAL SERVICES LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, OR THE ACCURACY, TIMELINESS, COMPLETENESS, OR ADEQUACY OF THE SITE, THE SERVICES AND ANY DATA ACCESSED WHILE USING THE SITE OR THE SERVICES, INCLUDING THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Orion Financial Services LLC is not liable to you for claims or liabilities of any kind, including without limitation, for any direct, indirect, incidental, consequential or any other damages arising out of or related to the use of the site or services by you or by third parties or arising out of or related to any third-party software, any data accessed while using the site or services, your use or inability to use or access the site or services, whether such damage claims are brought under any theory of law or equity even if you have advised Orion Financial Services LLC in advance of the possibility of such damage, including, without limitation, damages for loss of business profits, injury to person or property, business interruption, loss of business or personal information.

If, notwithstanding the limitations of liability set forth above, Orion Financial Services LLC is found liable under any theory, Orion Financial Services LLC liability under this agreement or otherwise with respect to the site and the services and your exclusive remedy will be limited to money damages not to exceed $100.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages as set forth in this agreement. Accordingly, some of the limitations set forth in this agreement may not apply to you. In such cases, the terms related to severability will apply.

Indemnification

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.

It shall be your own responsibility to ensure that any products, services, or information available through this website meet your specific requirements.

This website contains material, which is owned by or licensed to us.

This material includes, but is not limited to, the design, layout, look, appearance, and graphics.
Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks reproduced in this website, which is not the property of, or licensed to, the operator is acknowledged to be owned by their respective owners and at no point does Orion Financial Services LLC’s in the display of any registered marks or trademarks claim ownership of said marks on the website.

Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information.
They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

You will defend, indemnify and hold Orion Financial Services LLC harmless from any claim or demand, including attorneys’ fees and costs, made by any third party in connection with or arising out of your use of the Site, your violation of any terms of this TOU, your violation of applicable laws, or your violation of any rights of another person or entity.

Arbitration Agreement

THIS ARBITRATION AGREEMENT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT, AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT (“FAA”). NEITHER YOU NOR ORION FINANCIAL SERVICES LLC SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.

YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND ORION FINANCIAL SERVICES LLC, ITS PARENTS, AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES, INCLUDING, WITHOUT LIMITATION, TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION AT A LOCATION DETERMINED BY THE ARBITRATOR.

ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY A CONNECTICUT OR FEDERAL COURT HAVING JURISDICTION THEREOF. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL UNLESS EXPRESSLY PROHIBITED BY LAW

Termination

Orion Financial Services LLC may terminate your rights to use this and any other internet property or website at any time for any violation of these terms and conditions and for any business purpose. Any provisions relating to proprietary rights, limitations of liability and warranties, non-disclosure, or privacy and security provisions will survive the termination of rights unless expressly prohibited by statute.

Acknowledgment

BY USING THE SERVICE OR ACCESSING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.

If you have questions about this TOU or want to contact us, please send an email to [email protected] or write to us at:

Physical Address:

ORION FINANCIAL SERVICES LLC
101 MERRITT 7
STE 300
NORWALK, CT 06851-1059