Please review the following terms and conditions carefully.
You may only use Services and purchase Goods appropriate for Your age, and not otherwise restricted by law. You may only enter into contracts You are legally permitted to enter. Without limiting, and consistent with the age limitations and requirements set forth in the preceding three paragraphs ("Age Requirements"), two types of users may access the Sites, use the Services, and/or purchase the Goods - "Visitors" and "Guests".
We may terminate this agreement at any time, in Our sole discretion, and without any notice to You. Any permission granted herein terminates automatically without further notice if You breach any of the terms of this Agreement. Upon such termination, You agree to immediately destroy any downloaded and/or printed materials. Any unauthorized use of any material contained on this site may violate domestic and/or international copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
2. PASSWORDS AND SECURITY
A Guest account is required to access certain portions of the Sites and/or Services and may be accessed and used only by those authorized individuals who are registered with Insurance Network America. To open a user account, You must complete the registration process by providing Insurance Network America with current, complete, and accurate information as prompted by the applicable registration form. In registering for the Services, You agree to submit accurate, current, and complete information about You and Your organization, if applicable, and promptly update such information, if applicable. Should Insurance Network America suspect that such information is untrue, inaccurate, not current, or incomplete, Insurance Network America has the right, but not the obligation, to suspend or terminate Your access to the Sites or use of the Services and/or seek updated information from You.
You are solely responsible for any and all activities that occur under Your account and for ensuring that You exit or log-off from Your account at the end of each session of use. If You are conducting this session on a public computer or are otherwise using a computer to which multiple people have potential access, be sure to follow all relevant instructions to ensure You are sufficiently disconnected and logged off the Sites and the computer system You are using to prevent unauthorized access to Your account with Insurance Network America.
You agree to notify Insurance Network America immediately of any unauthorized use of Your password or account or any other breach of security that is known or suspected by You. Guest accounts cannot be "shared" or used by more than one individual, except among family members with permission by the primary account holder.
3. RESTRICTED RIGHTS
The materials on the Sites are provided with "Restricted Rights." Use, duplication, or disclosure by the U.S. Government is subject to restrictions as set forth in applicable laws and regulations. Use of the materials by the U.S. Government constitutes acknowledgement of Insurance Network America's proprietary rights in them. No other governments are authorized to use the materials appearing on the Sites without prior written permission from Insurance Network America.
4. PRODUCT AND PROMOTIONAL PRICING AND AVAILABILITY AND EMPLOYMENT AVAILABILITY INFORMATION
5. YOUR CONDUCT
You agree not to:
a. upload, transmit, post, email or otherwise make available to the Sites or the Services, any content or other material in any format that: (i) is false, inaccurate, misleading, fraudulent, unlawful (including, but not limited to, laws governing consumer protection, unfair competition, antidiscrimination, or false advertising), harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, invasive of another's privacy, libelous and/or otherwise objectionable; (ii) infringes any third party's intellectual property, whether a copyright, patent, trademark, trade secret, or other proprietary right or rights of publicity or privacy; or (iii) contains viruses, worms, Trojan horses, time bombs, cancelbots, easter eggs, corrupted files, or any other similar software or programs designed to interrupt, interfere, intercept, expropriate, destroy or limit the functionality of any data, personal information, computer software or hardware or telecommunications equipment;
b. alter, remove, or falsify any attributions or other proprietary designations of origin or source of any other content appearing on the Sites or via the Services or contained in a file that is uploaded to the Sites or the Services;
c. impersonate any person or entity, including, but not limited to, an Insurance Network America official or falsely state or otherwise misrepresent Your affiliation with a person or entity;
d. attempt, through any means, to gain unauthorized access to the Sites or the Services, or another user's account on the Sites and/or the Services;
e. use any robot, scraper, spider, other automatic device, or manual process to monitor or copy any information or content contained in the Sites and/or the Services without Our prior express written permission. Systematic retrieval of data or other content from the Sites to create or compile, directly or indirectly, a collection, compilation, database or directory without Our prior written permission is prohibited;
f. take any action that imposes an unreasonable or disproportionately large load on the Sites' and/or Services' infrastructure;
g. create liability for Insurance Network America or cause Insurance Network America to lose (in whole or in part) the services of its information technology partners or other suppliers;
i. access, monitor, observe, or otherwise use any aspect of the Sites, Services, and/or Goods if You are not in compliance with the Age Requirements.
The use of any device, software, or routine that interferes or attempts to interfere with the proper working of the Sites or the Services is expressly prohibited.
6. PROPRIETARY RIGHTS RESTRICTIONS
a. All material on the Sites, including, without limitation, all informational text, design of and "look and feel," layout, photographs, graphics, audio, video, messages, interactive and instant messaging design and functions, files, documents, images or other materials (collectively, the "Materials"), whether publicly posted or privately transmitted, as well as all derivative works, are owned by Insurance Network America or other parties that have licensed their material to Insurance Network America, and are protected by copyright, trademark, and other intellectual property laws. Insurance Network America disclaims any proprietary interest in copyrights, trademarks, service marks, logos, slogans, domain names and trade names other than its own. Trademarks, logos, images, audio, and service marks displayed on the Sites are the property of either Insurance Network America or other third parties; You agree not to display or use such property without Insurance Network America's prior written permission.
b. The Materials on the Sites may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, including by e-mail or other electronic means, without the prior consent of Insurance Network America. Any modification of the Materials, use of the Materials on any web site or networked computer environment, or use of the Materials for any purpose other than personal, non-commercial use, without the prior consent of Insurance Network America, is a violation of the copyright, trademark, and other proprietary rights in the Materials and is expressly prohibited.
c. If You have accessed the Sites, Insurance Network America grants to You a personal, non-exclusive, non-transferable license to use and display the audio and visual information, documents, products and software contained in or made available through the Services (the "Content") solely for Your own personal use. All rights not expressly granted herein by Insurance Network America to You are reserved by Insurance Network America and/or its licensors.
d. Insurance Network America alone shall own all right, title, and interest, including all related intellectual property rights, to any suggestions, ideas, feedback, remarks, innovations, graphics, materials, data, concepts, recommendations, comments, posting, or other information or communications provided by You relating to the Sites and/or the Services ("Submissions"), and You agree to and hereby assign such Submissions to Insurance Network America free of charge. Insurance Network America may use or not use such Submissions as it deems appropriate in its sole discretion. For any submissions that cannot be legally assigned to Insurance Network America, You hereby grant Insurance Network America< an unrestricted, perpetual, royalty-free, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute the Submissions for any and all commercial or non-commercial purposes, and You agree that Insurance Network America is free to use any ideas, concepts, know-how or techniques that You send Insurance Network America for any purpose whatsoever, with no compensation to You. You also hereby waive any "moral rights" associated with the Submissions.
7. LINKS WITH OTHER WEB SITES
8. DISCLAIMER OF WARRANTIES
A. YOU EXPRESSLY AGREE THAT USE OF THE SITES AND THE SERVICES IS AT YOUR SOLE RISK. THE SITES, THE SERVICES AND ANY CONTENT CONTAINED THEREIN OR DOWNLOADABLE THEREFROM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. INSURANCE NETWORK AMERICA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, QUIET ENJOYMENT, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM INSURANCE NETWORK AMERICA OR THROUGH THE SITES OR THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
B. INSURANCE NETWORK AMERICA MAKES NO WARRANTY THAT THE SERVICES OR ANY CONTENT PROVIDED THROUGH THE SITES OR ANY CONTENT CONTAINED THEREIN OR DOWNLOADED THEREFROM WILL MEET YOUR REQUIREMENTS, BE ACCURATE, COMPLETE, CURRENT OR TIMELY, OR THAT THE SITES OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE. IN THE EVENT THAT WEB SITE CONTENT IS INACCURATE, INCOMPLETE, OR OUT OF DATE, INSURANCE NETWORK AMERICA DOES NOT INTENTIONALLY MAKE MATERIAL MISREPRESENTATIONS NOR DOES INSURANCE NETWORK AMERICA INTENTIONALLY PROVIDE INCORRECT INFORMATION.
C. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITES OR THE SERVICES OR ANY CONTENT CONTAINED THEREIN OR DOWNLOADED THEREFROM IS AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.
D. INSURANCE NETWORK AMERICASHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY THE INFORMATION OR IDEAS CONTAINED, SUGGESTED OR REFERENCED AT THE SITES, THROUGH THE SERVICES, OR ANY USE OF SAME BY YOU.
E. INSURANCE NETWORK AMERICA AND ITS LICENSORS MAKE NO REPRESENTATION OR WARRANTIES THAT THE SITES, THE SERVICES, OR ANY CONTENT CONTAINED THEREIN OR DOWNLOADED THEREFROM IS APPROPRIATE OR AVAILABLE FOR USE IN ALL GEOGRAPHIC LOCATIONS. IF YOU USE THE SERVICES FROM OUTSIDE THE UNITED STATES OF AMERICA, YOU ARE SOLELY RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LAWS, INCLUDING WITHOUT LIMITATION EXPORT AND IMPORT REGULATIONS OF OTHER COUNTRIES.
9. LIMITATION OF LIABILITY
INSURANCE NETWORK AMERICA AND ITS EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE SITES, THE SERVICES OR ANY CONTENT CONTAINED THEREIN OR DOWNLOADABLE THEREFROM, OR ANY INFORMATION OBTAINED AT THE SITES, THROUGH THE SERVICES, OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES EVEN IF FORESEEABLE OR IF INSURANCE NETWORK AMERICA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT INSURANCE NETWORK AMERICA'S TOTAL LIABILITY HEREUNDER FOR DAMAGES, REGARDLESS OF THE FORM OF ACTION, SHALL NOT EXCEED THE ACTUAL TOTAL AMOUNT RECEIVED BY INSURANCE NETWORK AMERICA FROM YOU TO ACCESS THE SITES AND/OR USE THE SERVICES. IF YOUR USE OF THE SITES, SERVICES AND/OR GOODS RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF.
Certain states and/or jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, so the exclusions set forth above may not apply to You.
You agree to indemnify, hold harmless and release Insurance Network America and its properties (and their respective employees, officers, directors, stockholders, agents, licensors and their respective successors and assigns), from and against any and all claims, damages, costs and expenses, including reasonable attorney's fees, arising from or related to Your use or misuse of the Sites, the Services and/or any content contained therein or provided thereby, including, but not limited to, information from third-party web sites linked to the Sites.
11. LOCAL LAWS AND EXPORT CONTROLS
The Sites and the Services may provide services and/or use software and technology that may be subject to United States export controls administered by the U.S. Department of Commerce, the United States Department of Treasury Office of Foreign Assets Control, and other U.S. agencies and the export control regulations of the European Union. You acknowledge and agree that the Sites shall not be used, and none of the underlying information, software or technology may be transferred or otherwise exported or re-exported to Afghanistan, Burma, Cuba, Iraq, Iran, Libya, Sudan or any other country to which the United States and/or the European Union maintains an embargo (collectively, the "Embargoed Countries"), or to or by a national or resident thereof, or any person or entity on the U.S. Department of Treasury's List of Specially Designated Nationals or the U.S. Department of Commerce's Table of Denial Orders (collectively, the "Designated Nationals"). The lists of Embargoed Countries and Designated Nationals are subject to change without notice. By using the Sites, You represent and warrant that You are not located in, under the control of, or a national or resident of an Embargoed Country or a Designated National.
These Sites may use encryption technology that is subject to licensing requirements under the U.S. Export Administration Regulations, 15 C.F.R. Parts 730-774 and Council Regulation (EC) No. 1334/2000.
12. CHANGES TO THE SITES
13. FAILURE TO ABIDE BY THESE TERMS
14. DISPUTE RESOLUTION; GOVERNING LAW; CONSENT TO JURISDICTION
THIS POLICY IS INTENDED TO COMPLY FULLY WITH THE REQUIREMENTS OF THE ONLINE COPYRIGHT INFRINGEMENT LIABILITY LIMITATION ACT AND THE DIGITAL MILLENIUM COPYRIGHT ACT.
Revised: October 2013
© COPYRIGHT 2013 INSURANCE NETWORK AMERICA. ALL RIGHTS RESERVED.