Terms and Conditions

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.joinroot.com website (“Website”, “Site”) operated by Root (“the Company”, “us”, “we”, or “our”).

Your access to use the Site is conditioned on your acceptance of and compliance with these Terms. These terms apply to all www.joinroot.com visitors, users, and others who wish to use the Site.

By accessing or using the Site you agree to be bound by these Terms. If you disagree with any part of the Terms you are not granted permission to access or otherwise use the Site. These terms apply only to your use of www.joinroot.com and do not change or modify any other agreement of contract between you and Root.

Root reserves the right, in its sole discretion, to change these Terms and Conditions at any time without prior notice to you. Your continued use of the Site after any change may be made to the Terms constitutes acceptance of the change or changes.

To the extent permitted by law, Root disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Root does not warrant that the functionality or operation of the Site will be uninterrupted or free from error, that any defects in the Site will be corrected, or that the Site or the server(s) that make it available are free of viruses or other harmful conditions or components.

If you access or use the Root App (“App”) from or through www.joinroot.com or in any other manner, access and use of the App is subject to acceptance of the terms of Root’s Mobile Application End User license Agreement.

Intellectual Property Rights

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Root, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms and Conditions permit you to use the Website for your personal, non-commercial use only. Except as expressly provided herein, you must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, or otherwise use any of the material on our Website or frame this Website within any other Website without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Root, is prohibited.

Trademarks

The Company name, all registered trademarks, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Root or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

Privacy policy

The Privacy Policy for www.joinroot.com can be accessed here. The Privacy Policy discloses Root’s privacy practices and will notify you of the following regarding your use of www.joinroot.com.

• What personally identifiable information and/or other information is collected from you, how it is used and with whom it may be shared.

• What choices are available to you regarding the use of your personally identifiable information.

• The security procedures Root has in place to protect your personally identifiable information.

• How you can correct any inaccuracies in collected personally identifiable information.

Accounts on www.joinroot.com

Creating an Account. You have the option at your discretion to create an Account when using the Site (www.joinroot.com). Creating an Account at www.joinroot.com requires you to submit to use an email address and password that you as the user create. When you create an Account at www.joinroot.com, you are attesting that you are 16 years old or older at the time the Account is created and that the information you provide us is accurate, complete and current at all times. If you submit inaccurate, incomplete or not current information, Root may, at Root’s sole discretion, take any action with respect to your account that it deems appropriate under the circumstances, including, without limitation, immediate suspension or termination of your Account.

Your Responsibility. You are responsible for maintaining the confidentiality of your Account, including but not limited to the restriction of access to your computer and/or Account, and protection of your password. You agree to accept responsibility for any and all activities or actions that occur under your Account and/or password. You must notify us immediately by sending an email to help@joinroot.com upon becoming aware of any breach of security or unauthorized use of your Account.

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

Marketing Communications. By creating an Account at www.joinroot.com you agree that Root can contact you with email or other communications relating to your Account and/or the Site. If you create an Account at www.joinroot.com and have not had or no longer have an insurance policy with Root, you can contact us at help@joinroot.com to request that we remove you from our marketing distribution lists.

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

SMS Text Messaging Terms & Conditions

By completing the SMS/Text Messaging opt-in, you consent to receive alerts and promotional text messages from Root Insurance Company, including text messages using an automatic telephone dialing system. You are not required to opt in as a condition of purchasing any property, goods, or services.

You may opt out of SMS communication at any time by replying UNSUBSCRIBE or STOP to any text messages from Root Insurance Company or by contacting Customer Support for assistance. Once your text message is received to opt out of SMS communication, we will text message you to confirm you have been unsubscribed. Following this, you will no longer receive SMS messages from us. If you would like to opt in again, you can reply START or UNSTOP to any text messages from Root Insurance Company or contact customer support. Root Insurance message frequency varies and if you are experiencing any issues with the SMS messaging program, you can reply to any text message using the keyword HELP for more assistance. Messaging and data rates may apply. Carriers are not liable for delayed or undelivered messages. If you have any questions regarding your text or data plan, it is best to contact your wireless provider.

You can also reach Customer Support 9 a.m. to 8 p.m. ET, M-F at 1-866-980-9431 or anytime via email at help@joinroot.com.

For any questions related to privacy, please read our Privacy Policy.

Links to other websites

Our Site may contain links to third party websites or services that are not owned or controlled by Root. Root has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Root shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third party websites or services that you visit.

Underwriting Companies

Motor vehicle insurance policies are underwritten by the following Root insurance companies:

*Root Insurance Company

80 E. Rich St., Ste 500, Columbus, OH 43215

(C.A. #6177-0)

Root Property & Casualty Insurance Company

80 E. Rich St., Ste 500, Columbus OH, 43215

* Companies maintaining a Certificate of Authority to transact insurance in California. The Certificate of Authority number (C.A. #) appears after the company name.

Governing law

In general, these Terms shall be governed and construed in accordance with the laws of Ohio, United States, without regard to its conflict of law provisions. Notwithstanding the foregoing, all policies for motor vehicle insurance are governed by the laws in the state in which such policies are written.

Specific enforcement of rights

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

Termination

We may terminate or suspend your account and bar access to the Site immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. Please note that termination described in this section pertains to your use of www.joinroot.com and creating an account on that site. Termination or cancellation of an insurance policy with Root is governed by the various state insurance laws and regulations.

If you wish to terminate your use of the Site, you may simply discontinue using the Site. If you wish to disable your account, simply email us at help@joinroot.com.

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