SMS Text Messaging Terms & Conditions

Please read these SMS/Text Messaging Terms & Conditions carefully. By completing the SMS/Text Messaging Opt-In Form, you expressly consent to receive non-marketing and marketing text messages from  “Calkor.com“, including text messages made with an Auto dialer, at the mobile phone number(s) you provide.
You may opt-out of these communications at any time by replying STOP to any text message from Calkor.com or by otherwise contacting the Calkor.com as indicated below. You can receive help at any time by replying HELP to any text message from the Calkor.com or by otherwise contacting Calkor.com as indicated below. Consent to receive non-marketing or marketing text messages is not required to purchase any products or services from the Calkor.com. Messaging and data rates may apply. By completing the SMS text Messaging Opt-In Form, you also accept and agree to be bound by these SMS Text Messaging Terms & Conditions and any other applicable terms and agreements related to your use of Calkor.com services.
Program Description Calkor.com offers its text messaging program whereby Calkor.com, and any applicable service providers, will text message you to provide you with information concerning your account activity with Calkor.com and other Calkor.com products, services, and promotions (all of the foregoing the “Calkor.com Program”). Calkor.com and its service providers may, from time to time, use standard or an automatic telephone dialing system (“Auto dialer”) to deliver text messages to you under the Calkor.com Program. You agree that you will not use the Calkor.com Program for any illegal or unlawful purposes. No coverage may be bound or amended via text message or the Calkor.com Program.
Message Frequency Under the Calkor.com, the number of Calkor.com text messages that you receive may vary depending upon your account activity and your communication with Calkor.com.
Cost Calkor.com does not impose a separate fee for sending Calkor.com text messages under the Calkor.com Program. However, standard message and data rates may apply to each text message sent or received in connection with the Calkor.com Program, as provided in your mobile telephone service rate plan. Please contact your mobile telephone carrier for pricing plans and information.
How to Opt-In To opt-in to receive text messages from Calkor.com under the Calkor.com Program, complete the SMS/Text Messaging Opt-In Form and submit it to Calkor.com. Calkor.com will then send you a text message asking you to confirm your enrollment in the Calkor.com Program.
How to Opt-Out To STOP receiving text messages from Calkor.com, text STOP to the ten-digit long code from which the text messages are being sent. You will then receive confirmation of your opt-out of the Calkor.com text- messaging program. You may also opt out by providing written notice to the Calkor.com at 3255 Wilshire BLVD Suite 1500, Los Angeles, CA 90010.
Your Mobile Telephone Number You represent that you are the account holder for the mobile telephone number. You agree to maintain accurate, complete, and up-to date information with Calkor.com regarding your use of the Calkor.com Program, including, without limitation, notifying Calkor.com in writing immediately if you change, or cease being the regular user of, your mobile telephone number. You agree to indemnify Calkor.com in full for all claims, expenses, damages, and costs, including reasonable attorneys’ fees, related to or caused in whole or in part by your failure to notify Calkor.com if you change your telephone number, or cease being the regular user of, including, but not limited to, all claims, expenses, damages, and costs related to or arising under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq.
Termination of Text Messaging Calkor.com may suspend or terminate your receipt of Calkor.com text messages if Calkor.com believes you are in breach of these SMS/Text Messaging Terms & Conditions.
Release: No Warranties; Limitation of Liability
By participating in the Calkor.com Program, you agree to release and hold harmless Calkor.com and its representatives, agents, successors, assigns, employees, officers and directors, from any and all liability, for loss, harm, damage, injury, attorneys’ fees, cost or expense whatsoever including without limitation, property damage, personal injury and death that may occur in connection with the Calkor.com, or your use thereof, and for any claims, matters, or disputes based on violation of law or infringement or violation of any rights of any person or entity, including, without limitation, violation of publicity rights, defamation, or invasion of privacy.
In no event shall Calkor.com be liable to you, or to any third party, for any losses or damages whatsoever arising out of or resulting from the Calkor.com Program, or your use thereof, regardless of the theory of recovery, including, without limitation, direct, indirect, consequential, incidental or special damages, lost profits, punitive damages, attorney’s fees or any damages.

Call To Action

Privacy Policy

CAL-KOR Insurance Services respects the privacy of our users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. This Privacy Policy is intended to describe for you, as an individual who is a user of CAL-KOR Insurance Services (and all websites and URL’s controlled or operated by Insurance Agents which link to this policy, unless otherwise specified) or our services, or otherwise provide us with information through various means the information we collect, how that information may be used, with whom it may be shared, and your choices about such uses and disclosures.

We encourage you to read this Privacy Policy carefully when using our website or services or transacting business with us. By using our website, you are accepting the practices described in this Privacy Policy.

If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

Information we collect about you

In General. We may collect personal information that can identify you such as your name and email address and other information that does not identify you. When you provide personal information through our website, the information may be sent to servers located in the United States and other countries around the world.

Information you provide.We may collect and store any personal information you enter on our website or provide to us in some other manner. This includes identifying information, such as your name, address, e-mail address, and telephone number, and in addition, for Professionals, your credit card number and other personally identifiable information. We also may request information about your interests and activities, your gender and age, and other demographic information

Information from other sources.We may also periodically obtain both personal and non-personal information about you from other business partners, contractors and other third parties. Examples of information that we may receive include (but are not limited to): updated delivery and address information, purchase history, and additional demographic information.

Information about others.We may also collect and store personal information about other people that you provide to us. If you use our website to send others (friends, relatives, colleagues, etc.) information that may interest them through our system, we may store your personal information, and the personal information of each such recipient

Use of cookies and other technologies to collect information. We use various technologies to collect information from your computer and about your activities on our site.

Information collected automatically.We automatically collect information from your browser when you visit our website. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see “Cookies” below), and the referring website address.

Cookies.When you visit our website, we may assign your computer one or more cookies to facilitate access to our site and to personalize your online experience. Through the use of a cookie, we also may automatically collect information about your online activity on our site, such as the web pages you visit, the links you click, and the searches you conduct on our site. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our website.

Other Technologies.We may use standard Internet technology, such as web beacons and other similar technologies, to track your use of our site. We also may include web beacons in promotional [or other] e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our website visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.

Information collected by third-parties.We may allow third-parties, including (but not limited to) our authorized service providers, advertising companies, and ad networks, to display advertisements on our site. These companies may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements. Our website does not provide any personal information to these third parties. This information allows them to deliver targeted advertisements and gauge their effectiveness. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies (www.networkadvertising.org).

How we use the information we collect

In general. We may use information that we collect about you to:

  • deliver the products and services that you have requested;
  • manage your account and provide you with customer support;
  • perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
  • communicate with you by e-mail, postal mail, telephone and/or mobile devices or send newsletters about products or services that may be of interest to you either from us or other third parties;
  • communicate with you with regard to partially completed service requests;
  • develop and display content and advertising tailored to your interests on our site and other sites;
  • verify your eligibility and deliver prizes in connection with contests and sweepstakes;
  • perform background screening, which may include the use of third parties, on Service Professionals

Enforce our terms and conditions

Financial information. For Professionals, we may use financial information or payment method to process payment for any purchases made on our website, enroll you in the discount, rebate, and other programs in which you elect to participate, to pre-qualify you for credit card and other offers that you might find of interest, to pre-qualify Professionals to participate in our directory service, to protect against or identify possible fraudulent transactions, and otherwise as needed to manage our business.

Job applicants. If your personal information is submitted through our website when applying for a position with our company, the information will be used solely in connection with considering and acting upon your application. We may retain your personal information for a period of time, but only for the purpose of considering your application for current or future available positions. This information may be shared with our other companies for the purpose of evaluating your qualifications for the particular position or other available positions, as well as with third-party service providers retained by us to collect, maintain and analyze candidate submissions for job postings.

With whom we share your information

We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our web site or while using our services.

Personal information. We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We may share personal information with:

Authorized service providers:We may share your personal information with our authorized service providers that perform certain services on our behalf. These services may include fulfilling orders, processing credit card payments, delivering packages, providing customer service and marketing assistance, performing business and sales analysis, supporting our website functionality, and supporting contests, sweepstakes, surveys and other features offered through our website or performing background checks of Professionals. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purposes.

Business partners: When you make purchases, reservations or engage in promotions offered through our website or our services, we may share personal information with the businesses with which we partner to offer you those products, services, promotions, contests and/or sweepstakes. When you elect to engage in a particular merchant’s offer or program, you authorize us to provide your email address and other information to that merchant.

Professionals: We match your information and service request against our list of Professionals. When you submit a match request through our website, you consent to our providing your personal information and request to the Professionals we match with your request. Sharing this information with Professionals allows them to contact you using the e-mail address or other contact information you provided. In addition, we have other approved contractual partners that fulfill service requests, or that utilize their own Professionals to supplement our network, and we share your information with them, subject to contractual confidentiality restrictions, in order to attempt to provide the services requested. If using our services pursuant to a membership with one of our partners, Insurance Agents may share your service request activity information with such partner. We may also release information to collection and/or credit agencies for past due Professional accounts.

Direct mail partners: From time to time we may share our postal mailing list with selected providers of goods and services that may be of interest to you. If you prefer not to have us share your postal mailing information with these selected providers, you can notify us at any time by emailing us at [email protected]

Other Situations: We also may disclose your information:

In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.

When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website terms and conditions or other agreements or policies.

In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.

Any third parties to whom we may disclose personal information may have their own privacy policies which describe how they use and disclose personal information. Those policies will govern use, handling and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties. These entities or their servers may be located either inside or outside the United States.

Aggregated and non-personal information. We may share aggregated and non-personal information we collect under any of the above circumstances. We may also share it with third parties to develop and deliver targeted advertising on our websites and on websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to our website and the most popular features or services accessed. This information does not contain any personal information and may be used to develop website content and services that we hope you and other users will find of interest and to target content and advertising. For Professionals, we may share your business contact information with third parties, including but not limited to, business name, address, telephone number, email address and name of owner or proprietor of the business.

Third-party websites

There are a number of places on our website where you may click on a link to access other websites that do not operate under this Privacy Policy. For example, if you click on an advertisement or a search result on our website, you may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites. We recommend that you consult the privacy statements of all third-party websites you visit by clicking on the “privacy” link typically located at the bottom of the webpage you are visiting.

How you can access your information

If you have an online consumer account with us, you have the ability to review and update your personal information online by logging into your account. You can also review and update your personal information by contacting us. More information about how to contact us is provided below.

You can also choose to have your account disabled by contacting [email protected]. After you deactivate your account, you will not be able to sign in to our website or access any of your personal information. However, you can open a new account at any time. If you deactivate your account, we may still retain certain information associated with your account for analytical purposes and recordkeeping integrity, as well as to prevent fraud, collect any fees owed, enforce our terms and conditions, take actions we deem necessary to protect the integrity of our web site or our users, or take other actions otherwise permitted by law. In addition, if certain information has already been provided to third parties as described in this Privacy Policy, retention of that information will be subject to those third parties’ policies.

Your choices about collection and use of your information

You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our website because such information may be required in order for you to register as a member of our directory service; to use our services; purchase products or services; participate in a contest, promotion, survey, or sweepstakes; ask a question; or initiate other transactions on our website.

At any time a consumer user can choose to no longer receive commercial or promotional emails or newsletters from us by accessing your user account and opting out. You also will be given the opportunity, in any commercial e-mail that we send to you, to opt out of receiving such messages in the future. It may take up to 10 days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as service announcements, administrative notices, and surveys, without offering you the opportunity to opt out of receiving them.

If you prefer not to have us share your postal mailing information with these selected providers of goods and services that may be of interest to you, you can notify us at any time by emailing us at [email protected].

How we protect your personal information

We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees are permitted to access personal information, and they may do so only for permitted business functions. We use firewalls to help prevent unauthorized persons from gaining access to your personal information.

We want you to feel confident using our website to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches, or other communications will always remain secure. Please refer to the Federal Trade Commission’s website at https://consumer.ftc.gov/ for information about how to protect yourself against identity theft.

Blogs, bulletin boards, reviews and chat rooms

We may provide areas on our websites where you can post information about yourself and others and communicate with others, as well as post reviews of products, establishments, contractors, and the like, or upload content (e.g. pictures, videos, audio files, etc.). Such postings are governed by our Terms & Conditions.  In addition, such postings may appear on other websites or when searches are executed on the subject of your posting. Also, whenever you voluntarily disclose personal information on publicly-viewable web pages, that information will be publicly available and can be collected and used by others. For example, if you post your email address, you may receive unsolicited messages. We cannot control who reads your posting or what other users may do with the information you voluntarily post, so we encourage you to exercise discretion and caution with respect to your personal information. Once you have posted information, you may not be able to edit or delete such information.

Children’s privacy

Our website is a general audience site, and we do not knowingly collect personal information from children under the age of 13.

Visiting our websites from outside the United States

This Privacy Policy is intended to cover collection of information on our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the website.

Changes to this Privacy Policy

We will occasionally update this Privacy Policy to reflect changes in our practices and services. We recommend that you check our website from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

How to contact us

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail as follows: [email protected]

For our Canadian users:

Your rights to access your personal information are not absolute. We may deny access:

When denial of access is required by law

When granting you access would have an unreasonable impact on other people’s privacy;

To protect our Company’s rights and property; or

Where the request if frivolous or vexatious.

If we deny your request for access to, or refuse a request to correct personal information, we will explain why.

Insurance Agents,  All rights reserved.

We may provide this information in a standardized format that is not specific to you. The designated email address for these requests is [email protected].

Linked information:

Cookies:

  • A cookie is a small text file that is stored on a user’s computer for record keeping purposes. Cookies can be either session cookies or persistent cookies. A session cookie expires when you close your browser and is used to make it easier for you to navigate our website. A persistent cookie remains on your hard drive for an extended period of time.
  • For example, when you sign in to our website, we will record your user or member ID and the name on your user or member account in the cookie file on your computer. We also may record your password in this cookie file, if you indicated that you would like your password saved for automatic sign-in. For security purposes, we will encrypt any usernames, passwords, and other user or member account-related data that we store in such cookies. In the case of sites and services that do not use a user or member ID, the cookie will contain a unique identifier. We may allow our authorized service providers to serve cookies from our website to allow them to assist us in various activities, such as doing analysis and research on the effectiveness of our site, content and advertising.
  • You may delete or decline cookies by changing your browser settings. (Click “Help” in the toolbar of most browsers for instructions.) If you do so, some of the features and services of our website may not function properly.
  • We may allow third-parties, including advertising companies and ad networks, to display advertisements on our site. These companies may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements. Our website does not provide any personal information to these third parties, but they may collect information about where you, or others who are using your computer, saw and/or clicked on the advertisements they deliver, and possibly associate this information with your subsequent visits to the advertised websites. They also may combine this information with personal information they collect from you. The collection and use of that information is subject to the third-party’s privacy policy. This information allows them to deliver targeted advertisements and gauge their effectiveness. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies (www.networkadvertising.org).

Web Beacons:

  • Web beacons (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. Unlike cookies which are stored on the user’s computer hard drive, web beacons are embedded invisibly on the web pages (or in email) and are about the size of the period at the end of this sentence.
  • Web beacons may be used to deliver or communicate with cookies, to count users who have visited certain pages and to understand usage patterns. We also may receive an anonymous identification number if you come to our site from an online advertisement displayed on a third-party website.

FOR AGENTS:

CAL-KOR Insurance Services LEADS PURCHASE/CONTRACT AGREEMENT

The terms and conditions (“terms”) herein are a legal, binding agreement between CAL-KOR Insurance Services (“Calkor.com” or “we”), and you, receiving the services from us or via our site (“Agent” or “you”). Your acceptance of the terms here is required for your use of the site and any of our services, and to our provision of leads to you.  By clicking “Accept”, which represents your electronic signature on the terms, you accept these terms. You accept that your interaction with the website and each request you make for our services is subject to the terms here. If you disagree with any of the terms here, don’t use our services.

Leads Purchase

You agree to purchase leads in line with the guidelines here. A lead will contain information that has been provided by a person as well as certain lead contact information as available, unless otherwise agreed by you and us in writing, such as: (a) first and last name, (b) phone number, (c) email address, and (d) mailing address. Calkor.com doesn’t guarantee the quantity, quality or adequacy of the leads that offered to you.

You’ll be charged for the leads based on the price stated at the time of the purchase, and fees may differ from purchase to purchase at any time. We do our best to deliver leads between the set hours of set lead delivery type. It may take but may take up to 31 days to deliver an order. However, in some cases, orders can experience slight delays due to daily supply and demand market conditions on the Social media platforms we advertise on. In such a rare case, you will be notified and your leads will be delivered in a timely manner.

Accumulated fees are due upon your receipt of the leads. You accept that you’ll provide us with current and valid credit card information (such as name, type, number, expiration date, and so) and hereby authorize us to charge any credit card you provide in the amount of all or part of the fees payable for the leads purchased alongside any taxes we may be obliged to collect from you. We may require you to fund your account in advance in an amount decided by us at any time. We have the right to charge your account pre-funded balance in the amount of the fees for the leads delivered to you. There will be the need to renew pre-funded balances so as to maintain the balance at the required minimum amounts created by us at any time. Calkor.com retains the right to not deliver the leads if there is not enough balance in your account to pay for the leads.

Purchases of leads are not cancelled, and there is no refund on fees paid. You’re not authorized to use any services that are not paid fully for.

You may reject a lead for a replacement within 72 hours of receipt if: (i) the lead has a disconnected phone number; (ii) the lead person is below 85 years or older; (iii) the lead is over a Maximum radius of their given city or zip code; (iv) If two of the three forms of contact information is bogus: or (v) the lead is a duplicate of another lead we have offered for the same requested services that are generated by the same person (i.e., the leads includes the same name, phone number, address, and email address).

All replacement leads are delivered from the same territory as your order that requires replacements leads.

Authorized Use and Purpose of Leads

All Final Expense & Medicare Leads are rendered Exclusive based on lead type. Standard, Premium, Telesales, Medicare & Spanish lead have 100% Exclusive Lead Rights for the particular purpose for which the consumer submitted the online form (“the specific vertical”), for instance, life insurance. You’re allowed to use the leads provided by us exclusively for your internal marketing purposes in the specific vertical to the consumers. You may not use the lead for purposes other than those that the consumer has expressly inquired about, or of third parties. Agents can’t redistribute or sell our leads.

Leads are confidential information of calkor.com. You agree to not share with others, distribute, license, sell, resell or otherwise disclose any of the leads or the information included in them, to any third party for any purpose, unless only to an entity employed by you as a contractor for the main purpose of assisting you under the terms here as well as in accordance with the authorized use of the leads by you. When leads are generated, we don’t guarantee any certain results. A lead is a prospect, so don’t regard it as a guaranteed sale. All leads delivered over The Maximum Mile Radius are replaced.

Service Usage

It is solely your responsibility to know about all laws, rules, and regulations applicable to the access, use, storage and security of data identifying consumers that we offer to you, and to act in line with them. You agree that you’ll maintain commercially reasonable physical, electronic and procedural controls, care and protection to protect any such consumer information received under the terms herein from any unauthorized use or disclosure, including the maintenance of proper security to limit access to the consumer data solely to carry out the purposes for which such information was disclosed.

Buyer’s Fraud

We make necessary event to ensure fraud prevention. Therefore, if we believe that any agent is committing or attempting to commit buyer fraud to get a refund on his/her purchase, we may take legal actions against such an agent. Every agent is required to not violate any relevant law against buyer fraud such as the Act against Telemarketing and Consumer Fraud and Abuse Prevention, as well as other federal, state and local laws, and regulations governing the sales of leads.

Warranties & Disclaimer

As an Agent, you warrant and represent that:

the use of the leads and any interactions with and information provided to consumers will be in compliance with all applicable federal, state and local laws, statutes, rules and regulations, governing the marketing, sales, and/or promotion of goods and/or services, including with no limitation to the general consumer protection laws and regulations, or any other consumer protection laws that hinder unfair or misleading acts or practices;

without restraining the foregoing, you’ll make no calls to any person on any federal or state national Do-Not-Call (DNC) registry in the exception of an exemption;

you’ll use no lead information for the purpose of determining a person’s eligibility for employment, credit or otherwise in any manner that violates the Fair Credit Reporting Act;

you’ve disclosed the existence of any federal or state decrees, orders, or consent agreements, as well as any pending informal or formal government investigations. Also, you warrant that if you’re involved or named in any kind of action, complaint, investigation or any other proceeding by or before any governmental or regulatory agency, or any private party, you’ll provide immediate notice to Calkor.com of any such action, complaint, investigation or any other proceeding; and

you’ll make sure that your agents, employees, as well as contractors,  comply with all the above.

The leads services and the site are provided “as is”, “where is”. Neither party makes any sort of warranties to the other. Also, all statutory, implied or other warranties are disclaimed to the highest extent permitted by law, including with no limitation to any warranties of merchant ability, fitness for a purpose, non-infringement, compliance with relevant laws, title, or while dealing or trading. We don’t guarantee in any way that any information provided by the consumer will be correct or complete, or that the results will be realized from the leads, including any customer conversion rates.

You understand that leads and contact information gathered has not been screened or validated by us, and aren’t guaranteed to be accurate or error-free and all risks of condition, design, use, fitness, or quality are completely yours.

Changes

Calkor.com retains the right, based on sole discretion, to modify any part of this Agreement. It is totally your responsible to check this Agreement periodically for changes. Your continued usage of the site following the posting of any changes to this Agreement suggests an acceptance of those changes. Also, Calkor.com may, in the future, provide new services and/or features via the site (including, the release of new tools as well as resources). Any new features or/and services shall be subject to the Terms of this Agreement.

Termination

Calkor.com may terminate your access to all or any part of the site at any time, with or without cause, with or without notice. If you decide to terminate this Agreement or your account, you may simply discontinue using the site. Notwithstanding the foregoing, if you have an account, such account can only be terminated by Calkor.com if you materially breach this Agreement and fail to cure such breach within thirty (30) days of Calkor.com’s notice to you thereof; provided that, Calkor.com can cease the site at any time as part of a general shut down of our service.

Disclaimer of Warranties

The site is provided ‘as is’.Calkor.com and its suppliers, licencors and affiliate companies hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchant ability, fitness for a particular purpose and non-infringement. Neither Calkor.com nor its suppliers and licencors make any warranty that the site will be error-free or that access to it will be continuous or uninterrupted. You acknowledge that you download from, or otherwise acquire content or services via, the site at your own discretion and risk.

Limitation of Liability

In no event will Calkor.com, or its licencors or suppliers, be liable regarding any subject matter of this agreement under any contract, tort, negligence, liability or other legal or equitable theory for: (i) any incidental, special, or consequential damages; (ii) the cost of acquisition or substitute products or/and services; (iii) for the interruption of usage or loss or the corruption of data; or (iv) for any amounts that raise the fees paid by you to Calkor.com under this agreement during the twelve (12) month period prior to the date the cause of the action accrues. Calkor.com shall have no form of liability for any failure or delay owing to matters beyond its reasonable control. The foregoing may not apply to the extent prohibited by relevant law.

General Representation and Warranty

Each user represents and warrants that (i) your use of the site will be in strict accordance with the Calkor.com Privacy Statement, with this Agreement as well as with all relevant laws and regulations (including any local laws or regulations in your country, state, city, or other governmental area, as regards online conduct and acceptable content, and including all relevant laws as regards the transmission of technical data exported from the U.S. or the country in which you dwell) and (ii) your usage of the site won’t infringe on the intellectual property rights of any third party.

Indemnification

You agree to indemnify and hold harmless Calkor.com, its contractors, and its licencors`, as well as their respective directors, employees, agents and officers from and against any claims and expenses, including attorneys’ fees, resulting from your usage of the site, including from your violation this Agreement.

Miscellaneous

This Agreement constitutes the entire agreement between Calkor.com and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Calkor.com, or by the posting by Calkor.com of a revised version.

The dominant party in any action or proceeding to implement this Agreement shall be entitled to any costs as well as attorneys’ fees. If any area of this Agreement is deemed to be invalid or unenforceable, that area will be interpreted to reproduce the parties’ original intent, and the remaining

SMS Text Messaging Terms & Conditions

  • Please read these SMS/Text Messaging Terms & Conditions carefully. By completing the SMS/Text Messaging Opt-In Form, you expressly consent to receive non-marketing and marketing text messages from  “Calkor.com“, including text messages made with an Auto dialer, at the mobile phone number(s) you provide.
  • You may opt-out of these communications at any time by replying STOP to any text message from Calkor.com or by otherwise contacting the Calkor.com as indicated below. You can receive help at any time by replying HELP to any text message from the Calkor.com or by otherwise contacting Calkor.com as indicated below. Consent to receive non-marketing or marketing text messages is not required to purchase any products or services from the Calkor.com. Messaging and data rates may apply. By completing the SMS text Messaging Opt-In Form, you also accept and agree to be bound by these SMS Text Messaging Terms & Conditions and any other applicable terms and agreements related to your use of Calkor.com services.
  • Program Description
    • Calkor.com offers its text messaging program whereby Calkor.com, and any applicable service providers, will text message you to provide you with information concerning your account activity with Calkor.com and other Calkor.com products, services, and promotions (all of the foregoing the “Calkor.com Program”). Calkor.com and its service providers may, from time to time, use standard or an automatic telephone dialing system (“Auto dialer”) to deliver text messages to you under the Calkor.com Program. You agree that you will not use the Calkor.com Program for any illegal or unlawful purposes. No coverage may be bound or amended via text message or the Calkor.com Program.
  • Message Frequency
    • Under the Calkor.com, the number of Calkor.com text messages that you receive may vary depending upon your account activity and your communication with Calkor.com.
  • Cost
    • Calkor.com does not impose a separate fee for sending Calkor.com text messages under the Calkor.com Program. However, standard message and data rates may apply to each text message sent or received in connection with the Calkor.com Program, as provided in your mobile telephone service rate plan. Please contact your mobile telephone carrier for pricing plans and information.
  • How to Opt-In
    • To opt-in to receive text messages from Calkor.com under the Calkor.com Program, complete the SMS/Text Messaging Opt-In Form and submit it to Calkor.com. Calkor.com will then send you a text message asking you to confirm your enrollment in the Calkor.com Program.
  • How to Opt-Out
    • To STOP receiving text messages from Calkor.com, text STOP to the ten-digit long code from which the text messages are being sent. You will then receive confirmation of your opt-out of the Calkor.com text- messaging program. You may also opt out by providing written notice to the Calkor.com at 3255 Wilshire BLVD Suite 1500, Los Angeles, CA 90010.
  • Your Mobile Telephone Number
    • You represent that you are the account holder for the mobile telephone number. You agree to maintain accurate, complete, and up-to date information with Calkor.com regarding your use of the Calkor.com Program, including, without limitation, notifying Calkor.com in writing immediately if you change, or cease being the regular user of, your mobile telephone number. You agree to indemnify Calkor.com in full for all claims, expenses, damages, and costs, including reasonable attorneys’ fees, related to or caused in whole or in part by your failure to notify Calkor.com if you change your telephone number, or cease being the regular user of, including, but not limited to, all claims, expenses, damages, and costs related to or arising under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq.
  • Termination of Text Messaging
    • Calkor.com may suspend or terminate your receipt of Calkor.com text messages if Calkor.com believes you are in breach of these SMS/Text Messaging Terms & Conditions.

Release: No Warranties; Limitation of Liability

By participating in the Calkor.com Program, you agree to release and hold harmless Calkor.com and its representatives, agents, successors, assigns, employees, officers and directors, from any and all liability, for loss, harm, damage, injury, attorneys’ fees, cost or expense whatsoever including without limitation, property damage, personal injury and death that may occur in connection with the Calkor.com, or your use thereof, and for any claims, matters, or disputes based on violation of law or infringement or violation of any rights of any person or entity, including, without limitation, violation of publicity rights, defamation, or invasion of privacy.

In no event shall Calkor.com be liable to you, or to any third party, for any losses or damages whatsoever arising out of or resulting from the Calkor.com Program, or your use thereof, regardless of the theory of recovery, including, without limitation, direct, indirect, consequential, incidental or special damages, lost profits, punitive damages, attorney’s fees or any damages.

Arbitration/Class Action Waiver/Applicable Law

ALL DISPUTES, MATTERS, OR CLAIMS BETWEEN YOU AND Calkor.com ARISING OUT OF OR RELATING IN ANY WAY TO THESE SMS/TEXT MESSAGING TERMS & CONDITIONS, ANY TEXT MESSAGES BETWEEN YOU AND Calkor.com OR ANYONE ACTING ON YOUR OR Calkor.com BEHALF, OR THE AGENCY PROGRAM, REGARDLESS OF THE THEORY OF LIABILITY OR RECOVERY, MUST BE RESOLVED SOLELY BY ARBITRATION CONDUCTED EXPEDITIOUSLY IN ACCORDANCE WITH THE AMERICAN ARBITRATION ASSOCIATION CONSUMER ARBITRATION RULES (“AAA RULES”) BY A SOLE ARBITRATOR.

Attorney Fees

In the event of any claim, matter, or dispute between you and Calkor.com arising out of or relating in any way to these Terms & Conditions, any text messages between you and agency or anyone acting on your or Calkor.com’s behalf, or the Calkor.com Program, Calkor.com, if it prevails, must be awarded all costs of bringing or defending the claim, matter, or dispute, including, without limitation, reasonable attorneys’ fees and the ordinary costs and expenses incurred in resolving the claim, matter, or dispute, including, without limitation, all arbitration related fees and expenses.

Applicable Law

The law of the United States of America including its statutes of limitations and without reference to any conflict of laws principles, shall be applied to any claim, matter, or dispute between the parties or when governing, constraining, or enforcing these SMS/Text Messaging Terms & Conditions, the Calkor.com Program, or any text messages between you and Calkor.com or anyone acting on your or Calkor.com behalf, or any of the rights, duties, or obligations of the parties arising from or relating in any way to the subject matter of these Terms & Conditions.

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