The ROI Group, LLC, (hereafter “The ROI Group” or “we”) welcomes you to this website!

By accessing this site and any of its pages, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site or any of its pages. Please read these terms and conditions carefully.


Please review our Privacy Policy, which also governs your visit to our website, to understand our practices.


When you visit The ROI Group’s websites or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We may communicate with you by e-mail or by posting notices on this website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any and all legal requirements that such communications be in writing.


All content included on this website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of The ROI Group or its content suppliers and is protected by U.S. and international copyright laws. The compilation of all content on this site is the exclusive property of The ROI Group and is protected by U.S. and international copyright laws.


The ROI Group’s trademarks and trade dress are the sole property of The ROI Group and may not be used in any manner whatsoever, especially in connection with any product or service that is not The ROI Group’s, and in any manner that is likely to cause confusion among The ROI Group’s customers or in any manner that disparages or discredits The ROI Group. All other trademarks not owned by The ROI Group or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by The ROI Group or its subsidiaries.


This website is provided by The ROI Group on an “as is” and “as available” basis. The ROI Group makes no representations or warranties of any kind, express or implied, as to the operation of this website or the information, content, materials, or products included on this website. You expressly agree that your use of this website is at your sole risk. To the full extent permissible by applicable law, The ROI Group disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. The ROI Group does not warrant that this website, its servers, or e-mail sent from The ROI Group are free of viruses or other harmful components. By your use of this website, you agree that The ROI Group shall not be liable for any damages of any kind arising from the use of this website, including, but not limited to direct, indirect, incidental, punitive, and consequential damages. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.



The ROI Group grants you a limited license to access this website and not to download (other than page caching and except where otherwise explicitly provided in this website) or modify it, or any portion of it, except with express written consent of The ROI Group. This license does not include any resale or commercial use of this website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this website or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This website or any portion of this website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of The ROI Group. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of The ROI Group and our associates without express written consent. You may not use any meta tags or any other “hidden text” utilizing The ROI Group’s name or trademarks without the express written consent of The ROI Group. Any unauthorized use terminates the permission or license granted by The ROI Group. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of The ROI Group so long as the link does not portray The ROI Group, its associates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any The ROI Group logo or other proprietary graphic or trademark as part of the link without express written permission from The ROI Group.


Visitors may post reviews, blogs, comments, and other content and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “SPAM.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. The ROI Group reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise, you grant The ROI Group and its associates a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You also grant The ROI Group and its associates and sub-licensees the right to use the name that you submit in connection with such content. You represent and warrant that you own or otherwise control all of the rights to the content that you post: that the content is accurate: that use of the content you supply does not violate this policy and will not cause injury to any person or entity: and that you will indemnify The ROI Group or its associates for all claims resulting from content you supply. The ROI Group has the right but not the obligation to monitor and edit or remove any activity or content. The ROI Group takes no responsibility and assumes no liability for any content posted by you or any third party.


This website may contain links to websites controlled or offered by third parties not affiliated with us and The ROI Group hereby disclaims liability for any information, materials, products or services posted or offered at any of the third party sites linked to this website. By creating a link to a third party website, The ROI Group neither endorses nor recommends any products or services offered or information contained at that website and is also not liable for any failure of products or services offered or advertised at those websites.


By visiting this website, you agree that these terms of use shall be governed by the laws of the Commonwealth of Pennsylvania in the United States of America, without regard to principles of conflict of laws.


Any dispute relating in any way to your visit to The ROI Group or to Fixed Insurance products you purchase through The ROI Group shall be submitted to confidential arbitration in Montgomery County in the Commonwealth of Pennsylvania in the United States of America, except that, to the extent you have in any manner violated or threatened to violate The ROI Group’s intellectual property rights, The ROI Group may seek injunctive or other appropriate relief in any state or federal court in the Commonwealth of Pennsylvania in the United States of America, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.


Please contact us with questions regarding our Terms of Use, Privacy Policy, or other policies.