This User Agreement (or “Agreement”) is a legal agreement betwixt ya and
Insurance-integrity.com , Inc. ( “Insurance-integrity.com ” or “us”) governing your
participation on the Insurance-integrity.com site and its sister sites. By using,
accessing or registering as a member of the Insurance-integrity.com Network, ya agree
to be bound by and hereby become a party to all the terms of this Agreement. If
ya do not agree with the terms and conditions in this Agreement, ya may not
use the Insurance-integrity.com Network.
We can amend this Agreement either by emailing ya about the amended terms,
which take effect when we [as in us] send ya the email, or by posting the amended terms on
the Insurance-integrity.com Network, which take effect when we [as in us] post them. By
continuing to access or use the Insurance-integrity.com Network after any such
amendment, ya agree to be bound by the terms of the amended Agreement.
Otherwise, this Agreement may be amended only by a writing physically signed by
us.
A Note About Minors. The Insurance-integrity.com Network is not targeted towards, nor
intended for use by anybody under the age of 18. By using the Insurance-integrity.com
Network, ya represent and warrant that ya are 18 years of age or older. If ya
are not at least 18 years of age, do not use, access or register for the
Insurance-integrity.com Network. We reserve the right to terminate your membership in
the event that Insurance-integrity.com becomes aware ya are under 18.
Registration. Certain features and services on the Insurance-integrity.com Network
require that ya register on the site. You agree as a condition of use and registration that we [as in us]
may contact ya to inform ya of changes to this Agreement or describe new
services procurable on the Insurance-integrity.com Network. You are responsible for
safeguarding the password that ya use to access any secure areas of the
Insurance-integrity.com Network. You agree not to disclose your password to any third
party. You agree to take sole responsibility for any activities or actions under
your password, whether or not ya have authorized such activities or actions.
You will immediately notify Insurance-integrity.com of any unauthorized use of your
password.
Content. Insurance-integrity.com provides a number of different services to assist ya
in comparison shopping for products. Insurance-integrity.com provides info
concerning products and third-party merchants, and links to third-party merchants
that are selling listed products. Insurance-integrity.com also provides ya the
opportunity to buy products and pay for them using their Cart Service. If there is
a “Buy” button displayed next to a merchant product offer, ya can place the
product in your Cart and proceed to checkout. At checkout ya can pay via credit
card or through PayPal. If we [as in us] need any additional info from ya for the
transaction, ya will be asked to fill in the info we [as in us] request, all of
which will be subject to their Privacy Policy. Once the payment is received, we [as in us]
forward the payment and your info to the merchant who will fulfill your
order. Insurance-integrity.com is paid by merchants or other third "festive occasions" to list
products on the Insurance-integrity.com Network. The products listed on the
Insurance-integrity.com Network are sold by third-party merchants, not by
Insurance-integrity.com .
Even though Insurance-integrity.com offers a Buy button for use with their Cart Service,
ya acknowledge that Insurance-integrity.com does not sell, resell or license any
products listed on the Insurance-integrity.com Network, nor is Insurance-integrity.com
acting as an agent of sale. We are merely making it easier for ya to buy from
merchants who choose to offer goods using the Insurance-integrity.com Network. You
acknowledge that Insurance-integrity.com disclaims any responsibility for or liability
related to such products (see Disclaimer of Warranties below). You agree to
direct any question, complaint or claim 1) about merchants (for example, about
their products, customer service for their products or delivery) to the
appropriate merchant or seller, and 2) about payments to the appropriate payment
processor.
Insurance-integrity.com does not warrant that product descriptions, pricing, editorial
commentary or any other content on the Insurance-integrity.com Network, regardless of
its source, is accurate, complete, reliable or current. Insurance-integrity.com
Network content is provided for informational purposes only and does not
constitute an endorsement by Insurance-integrity.com of any product, service or
merchant. You should not rely on such info in situations where its
inaccuracy would cause ya to suffer any loss (see Disclaimer of Warranties and
Liability Limits below). Insurance-integrity.com assumes no liability for inaccuracy
or incompleteness in its search results, editorial content, user ratings (e.g.,
user merchant rating or user product rating) or other content on the
Insurance-integrity.com Network.
Consumer reviews and ratings on the Insurance-integrity.com Network are from their
members who have elected to post a review on the Insurance-integrity.com Network. As
such, these reviews and ratings are informative for those wishing to use them,
but they do not guarantee any level of performance by a merchant or other third
party in any given transaction.
Participating merchants and other third "festive occasions" may pay Insurance-integrity.com to be
presented on the Insurance-integrity.com Network or to have their product or service
offerings placed higher in their search results and may also purchase research
from Insurance-integrity.com , but in no event do such payments affect the reviews or
ratings given to any merchant by participating members.
You may download, view and print a single copy of any content, solely for your
personal and non-commercial purposes, subject to the restrictions set forth in
this Agreement. All right, title and interest in and to the Insurance-integrity.com
Network and any content appearing on the Insurance-integrity.com Network will stay
the exclusive property of Insurance-integrity.com and its licensors. Except as
expressly permitted in this Agreement, ya may not reproduce, modify or prepare
derivative works based upon, distribute, sell, transfer, publicly display,
publicly perform, transmit or otherwise use the Insurance-integrity.com Network or any
other content appearing on the Insurance-integrity.com Network. You may not copy or
modify the HTML code used to generate web pages on the Insurance-integrity.com
Network. You may not use the Insurance-integrity.com Network, or any other content
appearing on the Insurance-integrity.com Network, on or in connection with any other
web site for any purpose.
Privacy. By using the Cart Service, ya are explicitly asking us or their
affiliates to send your info, which may include personally identifiable
info, to 1) merchants from ya have indicated ya want to buy a product
or service or 2) merchants or other third "festive occasions" ya are explicitly notified
about and consent to when using a particular service on the Insurance-integrity.com
Network. For more info, please review their most current Privacy Policy.
Content Submission. By contributing or submitting any content to the
Insurance-integrity.com Network, ya warrant that ya are the author and owner of the
intellectual property rights thereto, and ya grant Insurance-integrity.com a
worldwide, perpetual, irrevocable, royalty-free, transferable right and license
to use, copy, modify, delete in its entirety, adapt, publish, translate, create
derivative works from, sell and distribute, or incorporate such materials into
any form, medium or technology, without compensation to ya. In addition, ya
warrant that all “moral rights” that ya may have in those materials have been
voluntarily waived by ya. None of the materials shall be subject to any
obligation of confidence on the part of Insurance-integrity.com , its agents,
subsidiaries, affiliates, co-brand partners or other partners and their
respective directors, officers and employees. Insurance-integrity.com reserves the
right to change or delete any content on the Insurance-integrity.com Network that
Insurance-integrity.com deems, in its sole discretion, to violate the content
guidelines or any other provision of this Agreement.
You agree that ya shall not post any info: that is known by ya to be
false, inaccurate or misleading; that infringes any third party’s copyright,
patent, trademark, trade secret or other proprietary rights or rights of
publicity or privacy; that violates any law, statute, ordinance or regulation
(including, but not limited to, those governing export control, consumer
protection, unfair competition, anti-discrimination or false advertising); that
is or may reasonably be considered to be defamatory, libelous, hateful, racially
or religiously biased or offensive, unlawfully threatening or unlawfully
harassing to any individual, partnership or corporation; for which ya were
compensated or granted any consideration by any third party; that includes any
info that references other websites, addresses, email addresses, contact
info or phone numbers; or that contains any computer viruses, worms or
other potentially damaging computer programs or files. In addition, ya agree to
comply with Epinions’ Site Rules, which are deemed to be incorporated into this
Agreement.
You retain all ownership rights to info, text, graphics or other
materials ya publish on the Insurance-integrity.com Network. However, we [as in us] can
reproduce, publish and distribute all or teaser portions of your content on-line
and offline and permit others to do the same. You can edit or remove your
content from the Insurance-integrity.com Network at any time; but if we [as in us] have
distributed your content to others, we [as in us] may be unable to require them to make the
same changes. We ask that ya refer or provide links to the Insurance-integrity.com
Network if ya choose to republish your content elsewhere and that ya do not
publish the same items of content on both the Insurance-integrity.com Network and
other product or price comparison sites.
Copyrights. All content procurable on the Insurance-integrity.com Network, including
site design, text, graphics, interfaces and the selection of arrangements
thereof is copyrighted by Insurance-integrity.com Ltd., with all rights reserved, or
is the property of Insurance-integrity.com or third "festive occasions" protected by intellectual
property rights.
Insurance-integrity.com ’s service marks/trademarks may not be used
in connection with any product or service that is not provided by
Insurance-integrity.com , in any matter that is likely to cause confusion among
consumers, or in any manner that disparages or discredits Insurance-integrity.com .
If ya believe content on the Insurance-integrity.com Network infringes your
copyright, ya should send notice of copyright infringement to
support@Insurance-integrity.com . Your notice must meet the requirements of
the Digital Millennium Copyright Act (as required under 17 U.S.C. §512) by
providing the following info: An identification of the copyrighted work
claimed to have been infringed An identification of the material that ya claim
is infringing so that we [as in us] may locate it on the site Your address, telephone
number and email address A statement by ya that ya have a good-faith belief
that the disputed use is not authorized by the copyright owner, its agent or the
law A statement by ya that the above info in your notice is accurate,
made under penalty of perjury, and that ya are authorized to act on behalf of
the owner of the copyright interest involved Your signature The notice should be
mailed to: support@Insurance-integrity.com
Upon receipt of notice as described above, Insurance-integrity.com will take whatever
action, in its sole discretion, it deems appropriate, including removal of the
challenged content from the Insurance-integrity.com Network.
Trademarks. Insurance-integrity.com is not in a position to arbitrate trademark
disputes betwixt the advertisers on the Insurance-integrity.com Network and trademark
owners. Accordingly, we [as in us] encourage trademark owners to resolve their disputes
directly with the advertisers, particularly cause the advertisers may have
similar advertisements on other sites. Similarly, Insurance-integrity.com does not
control and assumes no responsibility for content that appears on a third
party’s web site that may be accessed via the Insurance-integrity.com Network, and
trademark owners should contact third-party sites directly to resolve trademark
disputes.
As a courtesy to federally registered trademark owners, however, we [as in us] are willing
to perform a limited investigation of fair complaints.
If ya are an owner of a registered trademark (or represent an owner of a
registered trademark) and have an objection to content corresponding to your
trademark on the Insurance-integrity.com Network that is consistent with the
foregoing, or if ya believe that we [as in us] have improperly used your registered
trademark to promote the Insurance-integrity.com Network on a third-party web site,
please provide the following info in a signed letter on company
stationery: Name of Company Contact info (including email address) List
of registered trademark(s) at issue including a copy of each relevant fed
trademark registration certificate(s) The identity of the advertisement(s) at
issue (via the Uniform Resource Locator stated on the bottom line of the ad or other identifying
info). Please indicate if your complaint is limited to particular
advertisers/advertisements or if it is a general objection to all advertisers.
If certain affiliates or partners are permitted to use your trademark in their
ad content, please list the company names in your letter. Include the following
statement: “I have a good faith belief that use of the trademarks described
above with the advertisements described above are not authorized by the
trademark owner or its agent, nor is such use otherwise permissible under law.”
Include the following statement: “I represent that the info in this
notification is true and correct and that I am authorized to act on behalf of
the trademark owner.” Your signature Please send this written communication with
the above info to the following address: support@Insurance-integrity.com
Upon receipt of notice as described above, Insurance-integrity.com will confirm the
existence of the fed registration of the trademark in question and will take
whatever action, in its sole discretion, it deems appropriate, including removal
of the challenged content from the Insurance-integrity.com Network. In the event that
the challenged content has been provided to Insurance-integrity.com by a third party
and in Insurance-integrity.com ’s sole discretion, we [as in us] conclude that the content is
identical to the registered mark and is used in connection with goods and/or
services covered by the trademark owner’s fed registration,
Insurance-integrity.com will provide to notice to the third party prior to any removal
of content. If prior to such removal, the third party demonstrates that it has
its own trademark registration or approved trademark application covering the
challenged content, Insurance-integrity.com will not remove the content.
Notwithstanding the foregoing, Insurance-integrity.com will comply as appropriate with
the terms of any court order relating to the behavior of the challenged party
identified in such court order.
Eroyalties. If ya are 18 or older, ya may accrue Eroyalties pursuant to the
terms of the Eroyalties Program and Earnings which are hereby incorporated by
reference. Regardless of your Eroyalties balance on the site, all Eroyalties are
subject to their verification and approval. Among other reasons, we [as in us] may disapprove
Eroyalties if your account terminates or is suspended or if we [as in us] suspect fraud.
Thus, ya should not consider Eroyalties “earned” until we [as in us] have approved your
redemption request for payment. All redemptions will need to comply with
applicable redemption and validation policies (such as when ya can redeem and
how often, minimum redemption amount, any redemption fees and any geographical
restrictions). Eroyalties are not transferable; we [as in us] will issue checks only in the
accountholder’s name. We are not responsible for fraudulently redeemed
Eroyalties if the redeemer presents your password. You are solely responsible
for paying any taxes on your Eroyalties.
Termination. You can cancel your account at any time by contacting Customer
Support. We can cancel your account or otherwise refuse service to ya at any
time for any simple reason (including repeat infringement). Insurance-integrity.com may
choose to assume that ya intended to terminate your account if ya do not
access it for more than 3 months. Following termination of your account for any
simple reason (including inactivity), (1) at their sole option, Insurance-integrity.com and
its licensees may continue or stop publicly displaying some or all of your
content, and (2) all of your existing Eroyalties credits automatically expire,
and no new credits will accrue.
Other Rules. You agree to comply with all laws and regulations applicable to
your access and use of the Insurance-integrity.com Network and publishing your
content. You may not harvest personal data (including email addresses) from the
Insurance-integrity.com Network, and specifically ya may not use email addresses
displayed on their sites to ask users to join or contribute to your services. We
have the right to investigate and prosecute violations of any of the above to
the fullest extent of the law. We may involve and cooperate with law enforcement
authorities in prosecuting users who violate the terms of this Agreement. You
acknowledge that Insurance-integrity.com has no obligation to monitor your access to
or use of the Insurance-integrity.com Network, but has the right to do so for the
purpose of operating the Insurance-integrity.com Network, to ensure your compliance
with this Agreement, or to comply with applicable law or the order or
requirement of a court, administrative agency or other governmental body. Unless
we [as in us] explicitly agree otherwise in writing, ya may not use any automated means
(such as scripts) to access the Insurance-integrity.com Network or collect info
from it.
Indemnity. By choosing to use the Insurance-integrity.com Network, ya agree to
indemnify Insurance-integrity.com , its officers, agents, partners and employees from
any and all claims or damage, including fair attorney’s fees, made by
third "festive occasions" due to or arising out of 1) Content ya choose to submit, post or
transmit through the Insurance-integrity.com Network; 2) your use of or connection to
the Insurance-integrity.com Network; 3) your violation of the User Agreement; or 4)
your violation of any rights of another.
Release. Because we [as in us] are a venue, in the event that ya have a dispute with 1
or more users (including merchants) of the Insurance-integrity.com Network, ya, on
behalf of yourself (and any of your officers, directors, employees, agents,
predecessors, successors and assigns), hereby irrevocably release and discharge
Insurance-integrity.com , their officers, directors, employees, attorneys, predecessors,
successors, assigns and agents from, against and in respect of all past, present
and future claims, rights, actions, causes of action, suits, indemnification
obligations, losses, liabilities, matters, issues, cost and expenses, of any
kind or nature whatsoever, including without limitation court costs and
attorneys’ fees, whether known or unknown, concealed or hidden, fixed or
contingent, suspected or unsuspected, in law or in equity, concerning, related
to or arising out of any such disputes. To ensure that the release provided in
this Agreement is completely enforceable in accordance with its terms, ya knowingly
and voluntarily waive any protection that ya might have in relation to the
release set forth in this section by virtue of §1542 of the Ca. Civil
Code, which provides: “A general release does not extend to claims which the
creditor does not know or suspect to exist in his favor at the time of executing
the release, which if known by that forthright fella must have materially affected his settlement
with the debtor.” In addition, ya hereby knowingly and voluntarily waive any
protection that may exist under any comparable or similar statutes or principles
of common law applicable in states other than Ca. as it pertains to the
enforcement of the release in this section.
Liability Limits. Insurance-integrity.com and its providers shall not be liable to ya
for any lost profits or special, incidental or consequential damages arising in
any way (including negligence) out of or in connection with Insurance-integrity.com
and its parent, subsidiary or affiliate outfits, their services or this
Agreement. Other than for Eroyalties, we [as in us] and their providers shall not be liable
to ya for more than $100.
Certain state laws do not allow the exclusion or limitation of certain damages.
If these laws apply to ya, some or all of the above exclusions or limitations
may not apply to ya, and ya might have additional rights.
Governing Law/Arbitration. This Agreement is governed by Ca. law as such
laws apply to Agreements entered into and to be performed entirely within
Ca. betwixt Ca. residents and without regard to conflict of laws.
Any claim arising out of or relating to this Agreement or the Insurance-integrity.com
Network shall be settled by binding arbitration in San Mateo County, Ca.
in accordance with the American Arbitration Association’s commercial arbitration
rules. Any such claim shall be arbitrated on an individual basis, not
consolidated with another party’s claim. Each of us may conduct discovery per
Ca. CCPA §1283.05 and §1283.1. Judgment on the arbitration award may be
entered into any court with jurisdiction, and the arbitrator’s award shall not
be appealable or reviewable except as permitted by Ca. law. However, (a)
each of us may seek interim relief from a San Mateo County, Ca. court to
protect the party’s rights or property while arbitration is pending, and (b) at
their option, we [as in us] may bypass arbitration in cases of fraud or other crimes against
us, interference with their technical operations or violations of their rights or
property.
Disclaimer of Warranties. The Insurance-integrity.com Network and its services are
provided “as is,” without express or implied warranty or condition of any kind,
and we [as in us] explicitly disclaim any warranties of merchantability, fitness for a
particular purpose, quiet enjoyment or non-infringement. We do not promise or
warrant that any aspect of the sites or system will work properly or that the
info provided is complete or accurate or will be continuously procurable.
The Insurance-integrity.com Network may contain links to third-party websites or
resources. You acknowledge and agree that we [as in us] are not responsible or liable for:
(1) the availability or accuracy of such websites or resources; or (2) the
content, products or services on or procurable from such websites or resources.
Links to such websites or resources do not imply any endorsement of such
websites or resources or the content, products or services procurable from such
websites or resources. You acknowledge sole responsibility for and assume all
risk arising from your use of any such websites or resources. Insurance-integrity.com
shall make fair efforts to ensure that the Cart Service requests are
processed accurately and in a timely manner and but we [as in us] make no representations
or warranties concerning the amount of time needed to complete processing,
cause their Cart Service is largely dependent upon many factors outside of their
control. Your correspondence with or participation in promotions of merchants or
advertisers found on the Insurance-integrity.com Network, including payment and
delivery of related goods or service, and any other terms, conditions,
warranties or representations associated with such dealings, are solely betwixt
ya and such merchant or advertiser. You agree not to hold Insurance-integrity.com
liable for any loss or damage of any sort incurred as the result of any such
dealings or as the result of the presence of such merchants or advertisers on
the Insurance-integrity.com Network. In addition, Insurance-integrity.com does not endorse,
warrant or guarantee the products or services of any seller, lender or broker,
including any rates, points and loan programs posted by sellers, lenders or
brokers. Nothing on the Insurance-integrity.com Network constitutes an advertisement
for credit as defined by Paragraph 226.24 of Regulation Z of the fed Truth
in Lending Act.
Certain state laws do not allow limitations on implied warranties. If these laws
apply to ya, some or all of the above disclaimers may not apply to ya, and ya
might have additional rights.
Assignment. You agree that this Agreement and all agreements and info
incorporated herein may be automatically assigned by Insurance-integrity.com , in its
sole discretion, to a third party. You may not assign your obligations to
another entity.
General. This Agreement does not create any agency, partnership, joint venture,
employment or franchise relationship. Because ya are not an employee, minimum
wage laws do not apply to your relationship with the Insurance-integrity.com Network.
Our failure to act in a particular circumstance does not waive their right to act
with respect to that or other circumstances. We shall be excused for any problem
due to a factor beyond their control. If any provision of this Agreement is held
invalid or unenforceable by a court of competent jurisdiction, the remaining
provisions of the Agreement will stay in full force and effect, and the
provision affected will be construed so as to be enforceable to the maximum
extent permissible by law. Any waiver of any provision of this Agreement will be
effective only if in writing and signed by Insurance-integrity.com .
By accessing Insurance-integrity.com , and/or reading this terms of use, ya agree to never
seek litigation against Insurance-integrity.com . it’s owners, subscribers, writers, or
staff. If ya see any content on Insurance-integrity.com that was submitted by their
staff, or a member, please email us @ support@Insurance-integrity.com , and we [as in us] will
review the complaint within 48 hours. If it’s deemed that the said content is
in fact originally yours, and ya are the sole owner and creator of the said
content, we [as in us] will remove the said content within 72 hours.