What is this?

​

Welcome to Roo Inc. DBA Dory (“we”, “us”, “our”). These Terms of Use set forth the legally binding terms and conditions for your use of www.meetdory.com or any third-party platform (including mobile-based and/ or web-based applications) that may reference these Terms of Use (collectively, the “Site”) and the features, products, content, or information offered by Dory (together with the Site, the “Services”). Please read these Terms of Use (along with the Dory Privacy Policy), fully and carefully before using any of our Services. If you do not agree with any of the Terms herein, you may opt out by ceasing to use the Site and Services.

Dory reserves the right, in its sole discretion, to revise or modify these Terms at any time, and you agree to be bound by such revisions or modifications. You are responsible for viewing these Terms periodically. When we do change the Terms, we will also revise the "Revised" date without necessarily notifying you. Your continued use of the Services after a change or modification of these Terms has been made will constitute your acceptance of the revised Terms. If you do not agree to the Terms, your only remedy is to discontinue your use of the Services.

 

Acceptance of Terms

​

These Terms of Use are a legal contract between you and us. By accessing, browsing and/ or using the Site or using any of our Services, you hereby represent that (1) you have read, understood and agreed to these Terms of Use, (2) you are of legal age to form a binding contract in your jurisdiction, and in any case, at least 16 years of age, and (3) you agree to be bound by all applicable laws and regulations. If you do not agree with these Terms of Use, then you may not access or use the Site or Services.

 

Collection and use of Data

 

The Dory Privacy Policy (found here), discusses: (i) the information we collect from you when you visit and use our Services, (ii) how we use it, and (iii) how we share and/ or disclose it. It forms a part of this Agreement and is hereby incorporated in its entirety by reference. By accessing, browsing and/ or using the Services you consent to our Privacy Policy and the collection, use and sharing of information as discussed therein.

 

Content

 

For purposes of these Terms of Service, the term “Content” includes, without limitation, information, data, text, photographs, videos, audio clips, written posts and comments, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible on or through the Services. For the purposes of this Agreement, “Content” also includes all User Content (as defined below).

“User Content” includes all Content added, created, uploaded, submitted, distributed, or posted to the Services by users (collectively “User Content”), whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such User Content. You represent that all User Content provided by you is accurate, complete, up-to-date, and in compliance with all applicable laws, rules and regulations. You acknowledge that all Content, including User Content, accessed by you using the Services is at your own risk and you will be solely responsible for any damage or loss to you or any other party resulting therefrom. We do not guarantee that any Content you access on or through the Services is or will continue to be accurate.

The Services may contain Content specifically provided by us, our partners or our users and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Services.

Subject to these Terms of Service, we grant each user of the Services a worldwide, non-exclusive, non-sublicensable and non-transferable license to use Content solely for purposes of using the Services. Use, reproduction, modification, distribution or storage of any Content for other than purposes of using the Services is expressly prohibited without prior written permission from us. You shall not sell, license, rent, or otherwise use or exploit any Content for commercial use or in any way that violates any third party right.

By submitting User Content through the Services, you hereby do and shall grant us a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sublicensable and transferable license to use, edit, modify, truncate, aggregate, reproduce, distribute, prepare derivative works of, display, perform, and otherwise fully exploit the User Content in connection with the Site, the Services and our (and our successors’ and assigns’) businesses, including without limitation for promoting and redistributing part or all of the Site or the Services (and derivative works thereof) in any media formats and through any media channels (including, without limitation, third party websites and feeds), and including after your termination of the Services. For clarity, the foregoing licenses granted to us does not affect your other ownership or license rights in your User Content, including the right to grant additional licenses to your User Content, unless otherwise agreed in writing. You represent and warrant that you have all rights to grant such licenses to us without infringement or violation of any third party rights, including without limitation, any privacy rights, publicity rights, copyrights, trademarks, contract rights, or any other intellectual property or proprietary rights.

We do not guarantee that any Content will be made available on the Site or through the Services. We reserve the right to, but do not have any obligation to, (i) remove, edit or modify any Content in our sole discretion, at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if we are concerned that you may have violated these Terms of Service), or for no reason at all and (ii) to remove or block any Content from the Services.

 

Description and Use of Services

 

Our Services include discount submission on your current home insurance policy, maintenance and/ or renewal of discounts, and generation of home insurance quotes for new policies. By requesting a discount submission through our Services, you hereby represent that you understand that any discount value or range of values displayed through our Services, whether percentage or absolute, is an estimate of the maximum possible discount you may be eligible to receive, and as such, is neither guaranteed nor binding. You fully authorize us to contact and follow up with your insurance provider, agent or broker on your behalf, as deemed necessary by us for the fulfillment of our Services. Estimated discount percentages may be applicable to your entire premium, or applicable only to a factored portion of your premium representing the risk being mitigated, depending on the underwriting insurance company and their regulations for your state, policy, and individual circumstances. The application of any discount to your policy depends entirely on the underwriting insurance company and not us. Discount eligibility and amounts vary by state, policy type and individual circumstances. Discount renewal may depend on adequate and continuing verification of risk mitigation, as deemed required by your Insurance Provider in your state. You hereby represent that you understand that in providing you our Services, we do not act as your assigned insurance agent, broker or producer in this process, nor do we underwrite any insurance policy marketed and/ or made available to you through the Services. Dory is not an insurance provider. Dory does not make any warranties regarding the quotes, terms, rates, coverage, discounts or services offered to you by insurance companies through the Service. Dory does not guarantee that the quotes, fees, terms, rates, discounts, coverage or services offered by insurance companies through the Services are the best available. Any insurance policy quotes, premiums and/ or discounts offered on quoted premiums displayed on the Site or through the Services are neither guaranteed nor binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state.

Communication: By entering into these Terms of Use or using the Dory Services, you agree to receive communications from us, including via email, text message, calls, and push notifications, even if your number is on a do not call list. You agree that texts, calls or prerecorded messages may be generated by automatic telephone dialing systems. Communications from us and our affiliated companies may include but are not limited to: operational communications concerning your use of the Services, updates concerning new and existing features of the Services, communications concerning promotions run by us or our third-party partners, and news concerning us and industry developments. Standard text messaging charges applied by your cell phone carrier will apply to text messages that we send.

Necessary Equipment and Software: You must provide all equipment and software necessary to connect to our Services, including but not limited to, a computer and/ or mobile device with a suitable internet connection to use the Services. You are solely responsible for any fees, including Internet connection or mobile fees, that you incur through a third-party when accessing the Services.

Contact information: It is your responsibility to enter a valid, functioning, and accessible email address so that Dory can communicate with you electronically. You understand and agree that if Dory sends you an electronic communication but you do not receive it because your email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic communications, Dory will be deemed to have provided the communication to you. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add Dory to your email address book so that you will be able to receive the communications we send to you.

Certain Restrictions: The Services are made available for personal and non-commercial use only. Therefore, the rights granted to you in the Terms of Use are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, reproduce, distribute, host or otherwise commercially exploit our Services, including the Site; (b) you shall not modify, translate, adapt, merge, make derivative works of, disassemble, decompile, reverse compile or reverse engineer any part of the Services; (c) you shall not use any manual or automated software, devices or other processes (including but not limited to spiders, robots, scrapers, crawlers, avatars, data mining tools or the like) to “scrape” or download data from any web pages contained in the Site; (d) you shall not access the Site or Services in order to build a similar or competitive website, application or service; (e) you acknowledge that no part of the Services may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means; and (f) you shall not remove or destroy any copyright notices or other proprietary markings contained on or in the Services.

External sites: The Site or Services may contain links to third-party websites and applications, including, without limitation, the websites of the insurance carriers offering the third-party insurance products made available to you through the Services (“External Sites”). We provide these External Sites as a convenience. We do not review, approve, monitor, warrant, endorse, control or make any representations with respect to and we are not responsible for the content of any linked External Sites, or any product or service provided in connection therewith. When you click on a link to an External Site, we will not warn you that you have left the Dory Site or Services and are subject to the terms and conditions (including privacy policies) of another website or destination. You use all External Sites at your own risk. When you leave our Site, our Terms of Use and policies no longer govern. Before using any External Site, please refer to the terms of use and privacy policies of the External Sites for more information.

Rules of Conduct: As a condition of use, you promise not to use the Services for any purpose that is prohibited by these Terms of Service. You are responsible for all of your activity in connection with the Services. You shall not (and shall not permit any third party to) either (a) take any action or (b) upload, download, post, submit or otherwise distribute or facilitate distribution of any Content on or through the Service, including without limitation any User Content, that: (i) infringes any patent, trademark, trade secret, copyright, right of publicity or other right of any other person or entity or violates any law or contractual duty; (ii) you know is false, misleading, untruthful or inaccurate; (iii) is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortious, obscene, vulgar, pornographic, offensive, profane, contains or depicts nudity, contains or depicts sexual activity, or is otherwise inappropriate as determined by us in our sole discretion; (iv) constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (“spamming”); (v) contains software viruses or any other computer codes, files, or programs that are designed or intended to disrupt, damage, limit or interfere with the proper function of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any system, data, password or other information of ours or of any third party; (vi) impersonates any person or entity, including any of our employees or representatives; (vii) or includes anyone’s identification documents or sensitive financial information. You shall not: (a) take any action that imposes or may impose (as determined by us in our sole discretion) an unreasonable or disproportionately large load on our (or our third party providers’) infrastructure; (b) interfere or attempt to interfere with the proper working of the Services or any activities conducted on the Services; (c) bypass, circumvent or attempt to bypass or circumvent any measures we may use to prevent or restrict access to the Services (or other accounts, computer systems or networks connected to the Services); (d) run any form of auto-responder or “spam” on the Services.

Unsolicited information: By submitting any unsolicited information and materials, including comments, ideas, questions, designs, and other similar communications (collectively, “Unsolicited Information”), you agree to be bound by the following terms and conditions. If you do not agree with these Terms, you should not provide any Unsolicited Information through the Site. All Unsolicited Information will be considered non-confidential and non-proprietary. We, or any of our affiliates, may use such communication or material for any purpose whatsoever, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and further posting. Further, we and our affiliates are free to use any ideas, concepts, know-how, or techniques contained in any communication or material you send to the site for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products. By submitting any Unsolicited Information, you are granting us a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer and sell such Unsolicited Information and to use your name and other identifying information in connection with such Unsolicited Information.

Termination: We may terminate your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your use. All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, licenses of User Content, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

 

Disclaimers of Warranty

 

“As is”: You acknowledge and agree that the Services are provided “as is,” “as available”, without warranty of any kind, either express or implied, including, without limitation, any warranties of title, non-infringement, accuracy, quiet enjoyment, merchantability or fitness for a particular purpose. Neither Dory, its parents, subsidiaries, affiliates, officers, employees, agents, partners, suppliers, and licensors (collectively, the “Dory Parties”) make any warranty that the Services will meet your requirements, will be available on an uninterrupted, timely, secure, or error-free basis, or will be accurate, reliable, free of viruses or other harmful code, complete, legal or safe. The Dory Parties will not be liable for any damages to, or viruses that may infect, your computer equipment, devices or other property on account of your access to or use of the Site, the Services, or any Content. If applicable law requires any warranties with respect to the Site, all such warranties are limited in duration to ninety (90) days from the date of first use. Information and opinions received via the Services should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

The services may be subject to delays, cancellations and other disruptions. The Dory Parties make no warranty, representation or condition with respect to Services, including but not limited to, the quality, effectiveness, reputation and other characteristics of Services. No advice or information, whether oral or written, obtained from us or through the Services will create any warranty not expressly made herein.

 

Indemnification

 

You shall defend, indemnify, and hold harmless us, our affiliates and each of our and their respective employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys' fees, that arise from or relate to your use or misuse of, or access to, the Services, Content, or otherwise from your User Content, violation of these Terms of Service, or infringement by you, or any third party using your identity in the Services, of any intellectual property or other right of any person or entity. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.

 

Limitation of Liability

 

In no event shall we, nor our directors, employees, agents, partners, suppliers or content providers, be liable under contract, tort, strict liability, negligence or any other legal or equitable theory with respect to the services (i) for any lost profits, data loss, cost of procurement of substitute goods or services, or special, indirect, incidental, punitive, compensatory or consequential damages of any kind whatsoever (however arising), (ii) for any bugs, viruses, trojan horses, or the like (regardless of the source of origination).

 

Arbitration and Dispute Resolution

 

IMPORTANT: PLEASE REVIEW CAREFULLY AS THIS AFFECTS YOUR LEGAL RIGHTS

You agree that all disputes between you and us (whether or not such dispute involves a third party) with regard to your relationship with us, including without limitation disputes related to these terms of use, your use of the services, and/or rights of privacy and/or publicity, will be resolved by binding, individual arbitration under the American Arbitration Association's rules for arbitration of consumer-related disputes and you and we hereby expressly waive trial by jury; provided, however, that to the extent that you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in any state or federal court. Discovery and rights to appeal in arbitration are generally more limited than in a lawsuit, and other rights that you and we would have in court may not be available in arbitration.

As an alternative, you may bring your claim in your local “small claims” court, if permitted by that small claims court's rules and if within such court’s jurisdiction, unless such action is transferred, removed or appealed to a different court. You may bring claims only on your own behalf. Neither you nor we will participate in a class action or class-wide arbitration for any claims covered by this agreement to arbitrate. You are giving up your right to participate as a class representative or class member on any class claim you may have against us including any right to class arbitration or any consolidation of individual arbitrations.

You also agree not to participate in claims brought in a private attorney general or representative capacity, or consolidated claims involving another person's account, if we are a party to the proceeding. This dispute resolution provision will be governed by the Federal Arbitration Act and not by any state law concerning arbitration. In the event the American Arbitration Association is unwilling or unable to set a hearing date within one hundred and sixty (160) days of filing the case, then either we or you can elect to have the arbitration administered instead by the Judicial Arbitration and Mediation Services. Judgment on the award rendered by the arbitrator may be entered in any court having competent jurisdiction. Any provision of applicable law notwithstanding, the arbitrator will not have authority to award damages, remedies or awards that conflict with these Terms of Use. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, related to or connected with the use of the Services or these Terms of Use must be filed within one (1) year after such claim of action arose or be forever banned.

If the prohibition against class actions and other claims brought on behalf of third parties contained above is found to be unenforceable, then all of the preceding language in this Arbitration section will be null and void. This arbitration agreement will survive the termination of your relationship with us.

 

Miscellaneous

 

Severability: These Terms of Use are the entire agreement between you and us with respect to the Services, including use of the Site, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us with respect to the Services. If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Use will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

Force Majeure: We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation.

Assignment: These Terms of Use are personal to you, and are not assignable, transferable or sublicensable by you except with our prior written consent. We may assign, transfer or delegate any of our rights and obligations hereunder without consent.

Agency: No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use and neither party has any authority of any kind to bind the other in any respect.

No Waiver: Our failure to enforce any part of these Terms of Use shall not constitute a waiver of our right to later enforce that or any other part of these Terms of Service. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms of Use to be binding, we must provide you with written notice of such waiver through one of our authorized representatives.

​

Insurer-Specific Terms

​

Progressive

 

You agree to share your personal information, such as contact information and home type with Progressive Advantage Agency to obtain a homeowner’s insurance policy quote. Progressive Home, through Progressive Advantage Agency, provides homeowners insurance policies through affiliated and third-party insurers and may receive a commission if you purchase a policy. Refer to Progressive’s Privacy Policy for more information

​

Branch

 

To provide your accurate price, we'll ask you for information as well as gather information such as your claims, driving, and credit information, including credit report, from other sources for you and your household. Texas only: see Use of Credit Disclosure https://www.ourbranch.com/s/blog/texas-department-of-insurance-information

​

Nationwide

​

Customers may be eligible for a Nationwide discount of up to 6% on Nationwide home insurance purchased online via Nationwide Express. Security products may or may not trigger these discounts. The Central Burglar and/or Central Fire discounts only apply on certain portions of the policy premium. Savings eligibility and amount vary by state, product type, coverage selections, rating factors and policy changes. Subject to policy terms and eligibility. Nationwide may terminate or modify this offer at any time. Savings compared to stand-alone price of average Nationwide home policy, based on national data from October 2022. You are responsible for ensuring offer eligibility and reviewing Nationwide’s Terms and Conditions before requesting any quotes. You acknowledge that the use of any information you provide to Nationwide will be governed by Nationwide’s Privacy Policy, and other agreements you have with them.

​

Contact us

​

If you have any questions, complaints or claims with respect to the Services or Terms of Use, please contact us at: support@meetdory.com. We will do our best to address your concerns. If you feel that your concerns have been addressed incompletely, we invite you to let us know for further investigation.