ACCETANCE OF TERMS OF USE AND AMENDMENTS

Each time you use or cause access to this web site, you agree to be bound by these Terms of Use, and as amended from time to time with or without notice to you.  In addition, if you are using a particular service on or through this web site, you will be subject to any rules or guidelines applicable to those services and they shall be incorporated by reference into these Terms of Use.  Please see our Privacy Policy, which is incorporated into these Terms of Use by reference.

OUR SERVICE

Our web site and services provided to you on and through our web site on as "AS IS" basis.  You agree that the owners of this web site exclusively reserve the right and may, at any time and without notice and any liability to you, modify or discontinue this web site and its services or delete the data you provide, whether temporarily or permanently.  We shall have no responsibility or liability for the timeliness, deletion, failure to store, inaccuracy, or improper delivery of any data or information.

COVERAGE CAN  NOT BE BOUND OR CHANGES MADE TO YOUR POLICY NEW OR EXISTING WITHOUT A PHYSICAL PHONE CALL AND WRITTEN BINDER FROM OUR OFFICE.

SUBMISSION OF FORMS FROM THIS SITE DO NOT CONSTITUTE A BINDING COVERAGE AGREEMENT.

YOUR RESPONSIBILITIES AND REGISTRATION

In order to use this web site, you must register on our site, agree to provide truthful information when requested, and be at least the age of 18 or older.  When registering, you explicitly agree to our Terms of Use and as may be modified by us from time to time and available here.

PRIVACY POLICY

Registration data and other personally identifiable information that we may collect is subject to the terms of our Privacy Policy.

YOUR CONDUCT

You agree that all information of data of any kind, whether text, software, code, music or sound, photographs or graphics, video or other materials (Consent), publicly or privately provided, shall be the sole responsibility of the person providing the Content or the person whose user account is used.  You agree that our web site may expose you to Content that may be objectionable or offensive.  We shall not be responsible to you in any way for the Content that appears on this web site nor for any error or omission.  You explicitly agree, in using this web site or any service provided, that you shall not:

1)  Provide an Content or perform any conduct that may be              unlawful, illegal, threatening, harmful, abusive,                            harassing, stalking, tortuous, defamatory, libelous, vulgar,

           obscene, offensive, objectionable, pornographic,                          designed to or does interfere or interrupt this web site or              any service provided, infected with a virus or other                       destructive or deleterious programming routine, give rise

    to civil or criminal liability, or which may violate an                       applicable local, national or international law.

2)  Impersonate or misrepresent your association with any

            person or entity, or forge or otherwise seek to conceal

            or misrepresent the origin of any Content provided by

    you.

3)  Collect or harvest any data about other users.

4)  Provide or use this web site and any Content or service

   in any commercial manner or in any manner that would

    involve junk mail, spam, chain letter, pyramid schemes,

    or any other form of unauthorized advertising without our                prior written consent.

5)  Provide any Content that may give rise to our civil or                    criminal liability or which may constitute or be

           a violation of any local, national or international law,

           including but not limited to laws relating to copyright,

           trademark, patent, or trade secrets.

SUBMISSION OF CONTENT ON THIS SITE

By providing any Content to our web site you agree to:

1)  Grant to us a worldwide, royalty-free, perpetual, non-

            exclusive right and license (including any moral rights or              other necessary rights) to use, display, reproduce,                      modify, adapt, publish, distribute, perform, promote,

     archive, translate, and to create derivative works and                   compilations, in whole or in part.  Such license will                     apply with respect to any form, media, technology known

   or later developed.

2)  You warrant and represent that you have all legal, moral

            and other rights that may be necessary to grant us

           with the license set forth in Section Third Party Services.

3)  You acknowledge and agree that we shall have the right               (but not obligation), in our sole discretion, to refuse to

            publish or to remove or block access to any Content

            you provide at any time and for any reason, with or

            without notice.

THIRD PARTY SERVICES

Goods and services of third parties may be advertised and/or made available on or through this web site.  Representations made regarding products and services provided by third parties are governed by the policies and representations made by these third parties.  We shall not be liable for or responsible in any manner for any of your dealings or interactions with third parties.

INDEMNIFICATION

You agree to indemnify and hold us harmless, our subsidiaries, affiliates, related parties, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from any claim or demand,  including reasonable attorney's fees, that may be made by any third party, that is due  or arising out of your conduct or connection with this web site or service, your provision of Content, your violation of this Terms of Use or any other violation of the rights of another person or party.

DISCLAIMER OF WARRANTIES

You understand and agree that your use of this web site and any services or content provided (the "service") is made available and provided to you at your own risk.  it is provided to you as is and we expressly disclaim all warranties of any kind, implied or express, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement.

WE MAKE NO WARRANTY, IMPLIED OR EXPRESS THAT ANY PART OF THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE TIMELY, SECURE, ACCURATE, RELIABILE OR ANY QUALITY, NOR THAT ANY CONTENT IS SAFE IN ANY MANNER FOR DOWNLOAD.  YOU UNDERSTAND AND AGREE THAT NEITHER US NOR ANY PARTICIPANT IN THE SERVICE PROVIDES PROFESSIONAL

ADVICE OF ANY KIND AND THAT USE OF SUCH ADVICE OR ANY OTHER INFORMATION IS SOLEY AT YOUR OWN RISK AND WITHOUT OUR LIABILITY OF ANY KIND.

Some jurisdictions may not allow disclaimers of implied warranties and the above disclaimer may not apply to you only as it relates to implied warranties.

TERMS OF USE