Terms & ConditionsLast updated September 30, 2026

Introduction

This web page represents a legal document and serves as the Terms and Conditions of our website, Pauldron.net, and its associated web-based and mobile applications (collectively, "Website"), as owned and operated by Pauldron, Inc. By using our Website, you agree to comply with and be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with these Terms and Conditions, you should not access or use our Website.

Definitions

• "Us," "we," or "our" refers to Pauldron, Inc, the owner of the Website.
• A "User" is anyone who accesses or uses our Website.
• "Service" refers to the functionality and features as offered through our Website.

Your Use of the Service

Our Service provides a SaaS platform designed for car dealers, insurance agents, and others to sell automotive extended protection packages directly to consumers. You agree to use our Service only for lawful purposes and in compliance with all applicable laws.

SMS / Text Messaging Program

Pauldron may offer an optional SMS / text messaging program for customers who opt in. By providing your mobile number and affirmatively opting in (for example, via an unchecked-by-default checkbox on a Pauldron or Pauldron-powered agency web form), you consent to receive automated text messages from Pauldron and/or your selling agency about your vehicle coverage quote, purchase, documents, renewals, expiration notices, digital wallet passes, and related account updates.

Consent is not a condition of purchase. Message frequency varies by your activity and is typically limited to a small number of messages during quoting, signing, and renewal windows. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

To opt out at any time, reply STOP to any program message. For help, reply HELP or email info@pauldron.net. Additional details about how we handle mobile information are described in our Privacy Policy.

User Registration and Accounts

To access certain features of our Service, you may need to register and create an account. You are responsible for maintaining the confidentiality of your account information.

Fees and Payments

Our Service may involve certain fees. Your use of our Service constitutes your agreement to pay these fees in accordance with our billing terms.

Intellectual Property

All content on our Website, including text, graphics, logos, and software, is the property of Pauldron, Inc. Your use of our Website does not grant you any ownership rights to our intellectual property.

Your Content

You may post content on our Website, including text, images, logos, and other materials you publish on Pauldron-hosted pages or forms for your agency or dealership (for example, an agency landing page). You retain ownership of your content, but grant us a non-exclusive, royalty-free, worldwide license to host, display, reproduce, adapt, and distribute your content in connection with operating and promoting our Service.

You are solely responsible for the content you publish. You represent that you own or have the necessary rights to the content, that it is accurate and not misleading, and that it does not infringe the rights of any third party or violate any applicable law, including consumer protection and advertising regulations that apply to the sale of vehicle protection products. We may remove or disable any content that we believe violates these Terms and Conditions, without notice.

Feedback

Any feedback you provide about our Website or Service is non-confidential and will become our sole property. We may use this feedback for any purpose without obligation to you.

Limited License

We grant you a limited, revocable, and non-exclusive license to access and use our Website in accordance with these Terms and Conditions.

Legal Compliance

You agree to comply with all laws in your use of our Website and will not use our Website for illegal purposes.

Copyright Takedown Procedure

If you believe that your intellectual property rights have been infringed upon by our Website, please contact us at info@pauldron.net and we will initiate a takedown procedure if warranted.

Links to Other Websites

Our Website may contain links to third-party websites, over which we have no control. We are not responsible for the content or privacy practices of these sites.

Warranty Disclaimer

Our Website is provided on an "as-is" and "as available" basis. We disclaim all warranties and will not be liable for any damages arising from your use of our Website.

Limitation of Liability

To the fullest extent permitted by law, Pauldron, Inc and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of or inability to use our Website or Service, regardless of the form of the action and even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for all claims arising out of or related to our Website or Service will not exceed the greater of (a) the amounts you paid to us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms and Conditions or your use of our Website or Service will be resolved by binding arbitration administered by JAMS in accordance with its Comprehensive Arbitration Rules and Procedures (or its Streamlined Arbitration Rules and Procedures where applicable) then in effect. The arbitration will be conducted by a single arbitrator in the State of Delaware, or remotely by video conference if the parties agree. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

You and we agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights. Nothing in this section prevents you from bringing an individual action in small claims court for disputes within that court's jurisdiction.

General Terms

These Terms and Conditions are governed by the laws of Delaware, USA. Any legal action against us must be commenced within one (1) year after the claim arises.

Changes to our Terms

We reserve the right to modify these Terms and Conditions at any time. Continued use of our Website after changes indicates your acceptance of the new Terms.

Contact Information

If you have any questions about these Terms and Conditions, please contact us at info@pauldron.net.