We want you to know a few more things about our approach.

Understanding how and why we use your information should be just as easy. Our Terms of Use and Policies provide the latest information about the data we collect and how we use it.



These Novo Insurance Terms and Conditions (the “Terms”), together with the Novo Insurance Privacy Policy shall govern the use by you (“You”) of the Novo Insurance website www.novo.us (the “Website”) and the Novo Insurance mobile application (the “Mobile App”). If You are a minor under the legislation of your state, You are not entitled to use the Website or Mobile App. Please read the following terms and conditions carefully. By using the Website and/or Mobile App You agree to be bound by the terms and conditions contained in these Terms and Privacy Policy. If You do not agree to these terms and conditions and Privacy Policy, then You are not entitled to use the Website or Mobile App. If You are accepting on behalf of a company, You represent and warrant that You have full authority to act for and to bind that company, in which case the term "You" refers to that company.

The Website and Mobile App are copyrighted works belonging to Novo Insurance, LLC and/or its affiliates ("Company") or licensors. Certain features of the Mobile App may be subject to additional guidelines, terms, or rules, which will be posted on the Mobile App in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms.

These Terms require the use of arbitration (Section 9.2) on an individual basis to resolve disputes, rather than jury trials or class actions, and also limit the remedies available to You in the event of a dispute. You have the right to opt out of the Arbitration Agreement as set forth below.



2.1 Account Creation. In order to use certain features of the Mobile App, you must register for an account ("Account") and provide certain information about yourself as prompted by the account registration form. You represent and warrant that: (a) all required registration information you submit is truthful and accurate; and (b) you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions on the Mobile App. Company may suspend or terminate your Account in accordance with Section 8.

2.2 Account Responsibilities. You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree not to give or make available your login information to any unauthorized individual. You agree to immediately notify Company of any unauthorized use, or suspected unauthorized use, of your Account or any other breach of security. Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.



3.1 License. Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Mobile App solely for your own use.

3.2 Certain Restrictions. The rights granted to you in these Terms are subject to the following restrictions: (a) You shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Mobile App, whether in whole or in part, or any content displayed on the Mobile App; (b) You shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Mobile App; (c) You shall not access the Mobile App in order to build a similar or competitive website, product, or service; and (d) except as expressly stated herein, no part of the Mobile App may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition to functionality of the Mobile App shall be subject to these Terms. All copyright and other proprietary notices on the Mobile App (or on any content displayed on the Mobile App) must be retained on all copies thereof.

(a) You agree not to use the Mobile App to collect, upload, transmit, display, or distribute any content (i) that violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual or is otherwise objectionable; (iii) that is harmful to minors in any way; or (iv) that is in violation of any law, regulation, or obligations or restrictions imposed by any third party.

(b) In addition, You agree not to: (i) upload, transmit, or distribute to or through the Mobile App any computer viruses, worms, or any software intended to damage or alter a computer system or data; (ii) send through the Mobile App unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (iii) use the Mobile App to harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent; (iv) interfere with, disrupt, or create an undue burden on servers or networks connected to the Mobile App, or violate the regulations, policies or procedures of such networks; (v) attempt to gain unauthorized access to the Mobile App (or to other computer systems or networks connected to or used together with the Mobile App), whether through password mining or any other means; (vi) harass or interfere with any other user's use and enjoyment of the Mobile App; or (vi) use software or automated agents or scripts to produce multiple accounts on the Mobile App, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data) from the Mobile App (provided, however, that Company conditionally grants to the operators of public search engines revocable permission to use spiders to copy materials from the Mobile App for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials.

3.3 Modification. Company reserves the right, at any time, to modify, suspend, or discontinue the Mobile App (in whole or in part) with or without notice to You. You agree that Company will not be liable to You or to any third party for any modification, suspension, or discontinuation of the Mobile App or any part thereof.

3.4 No Support or Maintenance. You acknowledge and agree that Company will have no obligation to provide You with any support or maintenance in connection with the Mobile App.

3.5 Ownership. You acknowledge that all intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Mobile App, the Website and contents contained therein are owned by Company, Company’s affiliates or Company's suppliers. Neither these Terms (nor your access to the Mobile App) transfers to You or any third party any rights, title or interest in or to such intellectual property rights, except for the limited license rights granted in Section 3.1. Company and its suppliers reserve all rights and licenses not granted in these Terms. There are no implied licenses granted under these Terms.

3.6 Insurance.

(a) Online Purchases. Company may make certain insurance products and services available to purchase for a fee through the Website and Mobile App. If You purchase an insurance product via the Website or Mobile App, charges will be disclosed to You on the Website or Mobile App (as applicable) before You complete the purchase. If You purchase an insurance product or services via the Website or Mobile App, your Website or Mobile App account may include information You provide to us during the insurance application or claims process. You hereby represent and warrant that You will ensure that this information is kept accurate and up-to-date at all times.

(b) Content; No Advice. The content made available through the Mobile App (the "Content") is owned by the Company, Company’s affiliates or its respective licensors. Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured. The Website, Mobile App and Content should not be construed as rendering tax, legal, investment, or accounting, or insurance advice. The posting of any prospectus or any other information is not a recommendation or opinion for You to buy any product or participate in any transaction involving the Company or any other party. At the time of a claim, coverage will be determined in accordance with the terms and conditions of the insurance policy and not these Terms. Accordingly, You are encouraged to review and understand your actual policy documentation prior to making any purchase decision.

(c) Quotes. All quotes generated by the Company are based upon the information You provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on the Mobile App are general descriptions of available coverages and are not a statement of insurance contract. To obtain coverage you must submit an application to the Company in the manner we permit. All insurance applications are subject to underwriting approval. Coverages and availability may vary by state and additional minimum coverage limits may be required in your state.

(d) Payments. If Company accepts your insurance application, Company may accept payment via credit card or other electronic payment service. Company or its third-party payment processing partner will bill You based on the information You provide and Company accepts. All currency references are in U.S. dollars. If the credit card or other payment information You provide is invalid for any reason, or if You charge back your credit card or other payment mechanism for fees due, Company may suspend or terminate any or all of the services and products Company provides to You. Company may automatically charge the card or other payment mechanism for recurring premiums or other recurring fees, the amount of which may change depending on policy changes You initiate and other factors approved by insurance regulatory authorities. Your policy is for the term specified in your insurance contract.

(f) Insurance Claims. You may elect to report an insurance claim via the Mobile App where available. Any such reporting is subject to the applicable insurance policy. If You have any questions concerning the coverage afforded by your policy, please visit the Company support page on the Mobile App, contact us by phone at 1-866-862-7757, by e-mail at support@novo.us or contact us as described in the "Contact Us" section below.



4.1 Third-Party Links. The Website and Mobile App may contain links to third-party websites and services (collectively, "Third-Party Links"). Company provides access to these Third-Party Links only as a convenience to You, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links. You use all Third-Party Links at your own risk, and should apply a suitable level of caution and discretion in doing so. When You click on any of the Third-Party Links, the applicable third party's terms and policies apply, including the third party's privacy and data gathering practices. You should make whatever investigation You feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Links. 



The Website and Mobile App are provided on an "as-is" and "as available" basis, and Company, its affiliates, and its suppliers expressly disclaim any and all warranties and conditions of any kind, whether express, implied, or statutory, including all warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement. Company, its affiliates and suppliers make no warranty that the Website and/or Mobile App 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. In the event applicable law requires Company, its affiliates, or suppliers to provide any warranties with respect to the Website or Mobile App, all such warranties are limited in duration to ninety (90) days from the date of first use.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to You. Some jurisdictions do not allow limitations on how long an implied warranty lasts, so the above limitation may not apply to You.



To the maximum extent permitted by law, notwithstanding anything to the contrary contained herein, the liability to You by Company, its affiliates or suppliers for any damages arising from or related to the Website, Mobile App or any agreement entered into between You and Company (for any cause whatsoever and regardless of the form of the action), will at all times be limited to a maximum of fifty U.S. dollars ($50.00). The existence of more than one claim will not enlarge this limit.

To the maximum extent permitted by law, in no event shall Company, its affiliates or supplier be liable to You or any third party for any lost profits, lost data, costs of procurement of substitute products, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or relating to these Terms or your use of, or inability to use, the Website or Mobile App, even if Company has been advised of the possibility of such damages. Access to, and use of, the Website and Mobile App are at your own discretion and risk, and You will be solely responsible for any damage to your device or computer system, or loss of data resulting therefrom.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to You.



You agree to indemnify and hold Company (and its officers, employees, agents and affiliates) harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Website or Mobile App, (b) your violation of these Terms, (c) your violation of applicable laws or regulations; or (d) your user content. Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify us, and You agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Company. Company will use reasonable efforts to notify You of any such claim, action or proceeding upon becoming aware of it.



Subject to this Section 8, these Terms will remain in full force and effect for your use of the Website or Mobile App. Company may suspend or terminate your rights to use the Website and/or Mobile App (including your Account) at any time for any reason at its sole discretion, including for any use of the Website or Mobile App in violation of these Terms. Upon termination of your rights under these Terms, your Account and right to access and use the Website or Mobile App will terminate immediately. You understand that any termination of your Account may involve deletion of your user content associated with your Account from Company’s databases. Company will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your Account or deletion of your user content. Even after your rights under these Terms are terminated, the following provisions of these Terms will remain in effect: Sections 2, 3.2 through 3.6, and Sections 4 through 10.



9.1 Changes. These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on the Mobile App. You are responsible for providing us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective upon the earlier of thirty (30) calendar days following our dispatch of an e-mail notice to you (if applicable) or thirty (30) calendar days following our posting of notice of the changes on the Mobile App. These changes will be effective immediately for new users of the Mobile App. Continued use of the Mobile App following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

9.2 Dispute Resolution. Please read this Arbitration Agreement carefully. It is part of your contract with Company and affects your rights. It contains procedures for MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

(a) Applicability of Arbitration Agreement. All claims and disputes (excluding claims for injunctive or other equitable relief as set forth below) in connection with the Terms or the use of any product or service provided by the Company that cannot be resolved informally or in small claims court shall be resolved by binding arbitration on an individual basis under the terms of this Section 9.2. Unless otherwise agreed to, all arbitration proceedings shall be held in English. These Terms, including this Section 9.2, applies to you and the Company, and to any subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services or goods provided under the Terms.

(b) Notice Requirement and Informal Dispute Resolution. Before either party may seek arbitration, the party must first send to the other party a written notice of dispute ("Notice") describing the nature and basis of the claim or dispute, and the requested relief. A Notice to the Company should be sent to: 4655 Great America Parkway, Suite 300, Santa Clara, CA 95054 Attn: General Counsel. After the Notice is received, you and the Company may attempt to resolve the claim or dispute informally. If you and the Company do not resolve the claim or dispute within thirty (30) days after the Notice is received, either party may begin an arbitration proceeding. The amount of any settlement offer made by any party may not be disclosed to the arbitrator until after the arbitrator has determined the amount of the award, if any, to which either party is entitled.

(c) Arbitration Rules. Arbitration shall be initiated through the American Arbitration Association ("AAA"), an established alternative dispute resolution provider ("ADR Provider") that offers arbitration as set forth in this section. If AAA is not available to arbitrate, the parties shall agree to select an alternative ADR Provider. The rules of the ADR Provider shall govern all aspects of the arbitration, including but not limited to the method of initiating and/or demanding arbitration, except to the extent such rules are in conflict with the Terms. The AAA Consumer Arbitration Rules ("Arbitration Rules") governing the arbitration are available online at www.adr.org or by calling the AAA at 1-800-778-7879. The arbitration shall be conducted by a single, neutral arbitrator. Any claims or disputes where the total amount of the award sought is less than ten thousand U.S. Dollars (US $10,000.00) may be resolved through binding non-appearance-based arbitration, at the option of the party seeking relief. For claims or disputes where the total amount of the award sought is ten thousand U.S. Dollars (US $10,000.00) or more, the right to a hearing will be determined by the Arbitration Rules. Any hearing will be held in a location within 100 miles of your residence, unless you reside outside of the United States, and unless the parties agree otherwise. If you reside outside of the U.S., the arbitrator shall give the parties reasonable notice of the date, time and place of any oral hearings. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Each party shall bear its own costs (including attorney's fees) and disbursements arising out of the arbitration and shall pay an equal share of the fees and costs of the ADR Provider.

(d) Additional Rules for Non-Appearance Based Arbitration. If non-appearance based arbitration is elected, the arbitration shall be conducted by telephone, online and/or based solely on written submissions; the specific manner shall be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise agreed by the parties.

(e) Time Limits. If you or the Company pursue arbitration, the arbitration action must be initiated and/or demanded within the statute of limitations (i.e., the legal deadline for filing a claim) and within any deadline imposed under the AAA Rules for the pertinent claim.

(f) Authority of Arbitrator. If arbitration is initiated, the arbitrator will decide the rights and liabilities, if any, of you and the Company, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages, and to grant any non-monetary remedy or relief available to an individual under applicable law, the AAA Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and the Company.

(g) Waiver of Jury Trial. THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration under Section 9.2. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in a court and are subject to very limited review by a court. In the event any litigation should arise between you and the Company in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, YOU AND THE COMPANY WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge.


(i) Confidentiality. All aspects of the arbitration proceeding, including but not limited to the award of the arbitrator and compliance therewith, shall be strictly confidential. The parties agree to maintain confidentiality unless otherwise required by law. This paragraph shall not prevent a party from submitting to a court of law any information necessary to enforce this Agreement, to enforce an arbitration award, or to seek injunctive or equitable relief.

(j) Small Claims Court. Notwithstanding the foregoing, either you or the Company may bring an individual action in small claims court.

(k) Emergency Equitable Relief. Notwithstanding the foregoing, either party may seek emergency equitable relief before a state or federal court in order to maintain the status quo pending arbitration. A request for interim measures shall not be deemed a waiver of any other rights or obligations under this Arbitration Agreement.

(l) Right to Opt Out. You have the right to opt-out and not be bound by Section 9.2 by mailing written notice of your decision to opt out to the following address: 4655 Great America Parkway, Suite 300, Santa Clara, CA 95054, Attn: General Counsel. The written notice must be signed by you and include your name, mailing address, and the email address you used to access these Terms. The Notice must be received by us within thirty (30) days of the date you registered.

(m) Claims Not Subject to Arbitration. Notwithstanding the foregoing, claims of defamation, violation of the Computer Fraud and Abuse Act, and infringement or misappropriation of the other party's patent, copyright, trademark or trade secrets shall not be subject to this Arbitration Agreement.

(n) Courts. In any circumstances where Sections 9.2(l) or 9.2(m) permits the parties to litigate in court, the parties hereby agree to submit to the personal jurisdiction of the courts located within Santa Clara County, California, for such purpose

9.3 Export. The Mobile App may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of the United States export laws or regulations.

9.4 Entire Terms. These Terms along with our Privacy Policy constitute the entire agreement between Company and you with respect to use of the Website and Mobile App. Company’s or your failure to require performance of any provision shall not affect that party's right to require performance at any time thereafter, nor shall a waiver of any breach or default of these Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself. The section titles in these Terms are for convenience only and have no legal or contractual effect. The word "including" means "including without limitation".

9.5 Severability & Waiver. If any provision herein is held unenforceable, then such provision will be modified to reflect the intention of the parties, and the remaining provisions of this Agreement will remain in full force and effect. Any or all rights and limitations set forth in these Terms may be waived by the party against whom the claim is asserted. Such waiver shall not waive or affect any other portion of these Terms.

9.6 No Assignment. You may not resell, assign, or transfer any of your rights hereunder. Any such attempt will be void. Notwithstanding the foregoing, Company may assign these Terms at any time without notice.

9.7 By using the Mobile App, you consent to receive from Company all communications, including notices, agreements, legally required disclosures or other information in connection with the Application (collectively, "Communications") electronically. Company may provide such Communications by posting them on Company's website (www.novo.us) or by downloading such Communications to your wireless device. If You desire to withdraw your consent to receive Communications electronically, You must discontinue your use of the Mobile App. Company may email or send text messages to you from time to time to inform you about our products and services that we think will interest You, unless You inform us that you opt out from receiving such communications.

9.8 No Partnership. Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other.

9.7 Survival of Terms. These Terms will survive the termination of your relationship with Company.

9.8 Copyright/Trademark Information. Copyright © 2021 Novo Insurance, LLC and its affiliates. All rights reserved. All trademarks, logos and service marks ("Marks") displayed on the Website or Mobile App are the property of Novo Insurance, LLC or the property of other third parties. You are not permitted to use these Marks without the prior written consent of the Company or the consent of such third party which may own the Marks.


Novo Insurance, LLC

4655 Great America Parkway, Suite 300, Santa Clara, CA 95054




Novo Insurance, LLC

4655 Great America Parkway, Suite 300, Santa Clara, CA 95054




The Mobile App may use third party libraries, content or code to implement various functions (“Third Party Software”). Third Party Software is not licensed under these Terms but is licensed under terms accompanying such Third Party Software and is included as a convenience only. Third Party Software provided in the Mobile App is set forth in Exhibit A, attached hereto and incorporated by reference.