Last Updated: April 15, 2025
OnCall Advisors, LLC dba Pattern, a Nebraska company, welcomes you to our website (the “Site”) and the applications and services we offer, through the Site or other links (the “Services”). Please read these terms and conditions (Terms”) of use carefully before accessing, using, or obtaining any materials, information, products or services. By accessing the Pattern Site you agree to be bound by these Terms and our Privacy Policy. If you do not accept all of these Terms, then you may not use our Site. In these Terms, “we”, “us”, “our”, and “Pattern” refers to OnCall Advisors, and “you” and “your” refers to you, the user of our Site.
THESE TERMS INCLUDE AN ARBITRATION CLAUSE AND A WAIVER OF YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE LAWSUIT.
We may modify these Terms for any reason and at any time by posting a new version on our Site. These changes are effective on the date they are posted.
When you use the Site, you represent that you are at least 18 years of age. You represent that any information you submit to us when using the Services is accurate, truthful, complete, and current. You also represent that your use of the Services does not violate any State or Federal law or regulation.
By using our Site and Services you agree that we have the right to collect and analyze data and other information relating to the use and performance of the Site and Services. We will be free to use this data to improve and enhance the Site and for other diagnostic, developmental, and corrective purposes in connection with the Site and Services. We will disclose such data solely in aggregate or other form that does not identify individual usage in connection with its business.
You expressly permit us to disclose to third parties certain data about you that you provide for purposes of providing the Services to you. Such data is subject to our Privacy Policy.
You understand that the third-party insurance companies may maintain the data you submitted whether you choose to use their services or not. If you no longer wish to receive communication from a third party insurance company, you agree to notify said party directly.
By applying for insurance, you expressly consent to being contacted by one or more of our third-party insurance partners based on the information you have provided us, even if you have registered on the National Do-Not-Call List, any state Do-Not-Call List, or the Do-Not-Call List of an internal company.
You agree to receive informational messages such as appointment reminders, account notifications, and other information from Pattern. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at service@patternlife.com. You can opt out at any time by replying STOP or emailing us at optout@patternlife.com.
You are permitted to access and use the Site for the sole purpose of using the Services. You may not sell, sublicense, copy, or create derivative works from the Site or the Services. You are not permitted to use any robot, spider, or any other automatic device or manually copy the Site or any of its content without the prior express written permission by Pattern. If you fail to abide by these conditions you will immediately forfeit your right to access the Site or to use the Services and you may violate our intellectual property rights or the intellectual property rights of third parties.
Our Site may contain links to third-party websites we do not operate, control, or maintain. We do not endorse any third-party websites, and we make no representation or warranty in respect to any third-party websites. These links are provided specifically for your convenience. Should you access any third-party websites, you do so at your own risk and waive any and all claims against us regarding the third-party websites.
By using our Site and Services you agree that the Services are on an “as is” basis, without any warranty, and that you use the Services at your own risk. We disclaim any and all warranties, whether express or implied, including: warranties of fitness for a particular usage, warranties relating to delays, errors, or omissions, warranties regarding the accuracy of data on the Services, and any other warranties related to our performance, non-performance, or other acts or omissions.
We do not warrant that the Site or the Service will operate error free. We do not warrant that the Site is free of computer viruses or other harmful materials.
In no event shall we or any of our affiliates be liable to you for any damages arising or resulting from any interruption in or disruption to the Site or Services. In no event shall we be liable to you for any indirect, incidental, or consequential damages.
You agree to indemnify and hold us harmless for any breach of security or any compromise of your data.
In the event that you have a dispute with a third-party related to our Sites or Services, you release Pattern from all claims, demands, and damages connected with such disputes.
Any claim related to these Terms or the use of our Site and Services is governed by the State of Nebraska. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Omaha, Nebraska.
Before either party seeks arbitration, the party with the dispute must send the other party a written notice describing the nature of the dispute and the relief requested. Such notices can be sent to: OnCall Advisors, LLC dba Pattern, 11808 Miracle Hills Drive, Suite 200, Omaha, NE 68154. When the notice is received, we may attempt to resolve the dispute informally. If it is not resolved within thirty (30) days, either party may start an arbitration proceeding.
The arbitration will be conducted by a single, neutral arbitrator. Any hearing will be held in Omaha, NE unless both parties agree otherwise. Each party will bear its own costs (including attorney’s fees) and will pay an equal share of the arbitrator fees. The arbitration may be conducted by phone, online, by written submissions, or by personal appearance as agreed to by the parties.
Both parties hereby waive their constitutional rights to go to court and have a trial, whether in front of a judge or a jury. All disputes will be resolved by arbitration. All disputes will be arbitrated on an individual basis and not on a class basis. Each dispute will be arbitrated individually, without respect to any other matters, disputes, or additional parties.