Contents:
By selecting a product or service, you agree to pay Insurance Best Tips the
one-time and/or monthly or annual subscription fees indicated (additional
payment terms may be included in other communications). Subscription payments
will be charged on a pre-pay basis on the day you sign up for an Upgrade and
will cover the use of that service for a monthly or annual subscription period
as indicated. Payments are not refundable.
Unless you notify Insurance Best Tips before the end of the applicable
subscription period that you want to cancel a subscription, your subscription
will automatically renew and you authorize us to collect the then-applicable
annual or monthly subscription fee for such subscription (as well as any taxes)
using any credit card or other payment mechanism we have on record for you.
Upgrades can be canceled at any time by submitting your request to Insurance
Best Tips in writing.
Contents:
Terms of Service:
The following terms
and conditions govern all use of the http://insurance-besttips.blogspot.com
website and all content, services and products available at or through the
website (taken together, the Website). The Website is owned and operated by
Insurance Best Tips ("Insurance Best Tips"). The Website is offered
subject to your acceptance without modification of all of the terms and
conditions contained herein and all other operating rules, policies (including,
without limitation, Insurance Best Tips Privacy Policy) and
procedures that may be published from time to time on this Site
by Insurance Best Tips (collectively,
the "Agreement").
Please read this
Agreement carefully before accessing or using the Website. By accessing or
using any part of the web site, you agree to become bound by the terms and
conditions of this agreement. If you do not agree to all the terms and
conditions of this agreement, then you may not access the Website or use any
services. If these terms and conditions are considered an offer
by Insurance Best Tips, acceptance is expressly limited to these
terms. The Website is available only to individuals who are at least 13 years
old.
1. Your http://insurance-besttips.blogspot.com Account
and Site. If you create a blog/site on the Website, you are responsible
for maintaining the security of your account and blog, and you are fully
responsible for all activities that occur under the account and any other
actions taken in connection with the blog. You must not describe or assign
keywords to your blog in a misleading or unlawful manner, including in a manner
intended to trade on the name or reputation of others, and Insurance Best
Tips may change or remove any description or keyword that it considers
inappropriate or unlawful, or otherwise likely to cause Insurance
Best Tips liability. You must immediately notify Insurance Best
Tips of any unauthorized uses of your blog, your account or any other
breaches of security. Insurance Best Tips will not be liable for
any acts or omissions by You, including any damages of any kind incurred
as a result of such acts or omissions.
2. Responsibility of Contributors. If
you operate a blog, comment on a blog, post material to the Website, post links
on the Website, or otherwise make (or allow any third party to make) material
available by means of the Website (any such material, "Content"), You
are entirely responsible for the content of, and any harm resulting from, that
Content. That is the case regardless of whether the Content in question
constitutes text, graphics, an audio file, or computer software. By making
Content available, you represent and warrant that:
o the downloading, copying and use of
the Content will not infringe the proprietary rights, including but not limited
to the copyright, patent, trademark or trade secret rights, of any third party;
o if your employer has rights to
intellectual property you create, you have either (i) received permission from
your employer to post or make available the Content, including but not limited
to any software, or (ii) secured from your employer a waiver as to all rights
in or to the Content;
o you have fully complied with any
third-party licenses relating to the Content, and have done all things
necessary to successfully pass through to end users any required terms;
o the Content does not contain or
install any viruses, worms, malware, Trojan horses or other harmful or
destructive content;
o the Content is not spam, is not
machine- or randomly-generated, and does not contain unethical or unwanted
commercial content designed to drive traffic to third party sites or boost the
search engine rankings of third party sites, or to further unlawful acts (such
as phishing) or mislead recipients as to the source of the material (such as
spoofing);
o the Content is not pornographic, does
not contain threats or incite violence towards individuals or entities, and
does not violate the privacy or publicity rights of any third party;
o your blog is not getting advertised
via unwanted electronic messages such as spam links on newsgroups, email lists,
other blogs and web sites, and similar unsolicited promotional methods;
o your blog is not named in a manner
that misleads your readers into thinking that you are another person or
company. For example, your blog's URL or name is not the name of a person other
than yourself or company other than your own; and
o you have, in the case of Content that
includes computer code, accurately categorized and/or described the type,
nature, uses and effects of the materials, whether requested to do so
by Insurance Best Tips or otherwise.
By submitting Content
to Insurance Best Tips for inclusion on your Website, you grant Insurance
Best Tips a world-wide, royalty-free, and non-exclusive license to
reproduce, modify, adapt and publish the Content solely for the purpose of
displaying, distributing and promoting your blog. If you delete
Content, Insurance Best Tips will use reasonable efforts to remove it
from the Website, but you acknowledge that caching or references to the
Content may not be made immediately unavailable.
Without limiting any
of those representations or warranties, Insurance Best Tips has the
right (though not the obligation) to, in Insurance Best Tips sole
discretion (i) refuse or remove any content that, in Insurance Best Tips
reasonable opinion, violates any Insurance Best Tips policy or is in any way
harmful or objectionable, or (ii) terminate or deny access to and use of the
Website to any individual or entity for any reason, in Insurance Best Tips sole
discretion. Insurance Best Tips will have no obligation to provide a refund of
any amounts previously paid.
3. Payment and Renewal.
o General Terms.
By selecting a product or service, you agree to pay Insurance Best Tips the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications). Subscription payments will be charged on a pre-pay basis on the day you sign up for an Upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. Payments are not refundable.
By selecting a product or service, you agree to pay Insurance Best Tips the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications). Subscription payments will be charged on a pre-pay basis on the day you sign up for an Upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. Payments are not refundable.
o Automatic Renewal.
Unless you notify Insurance Best Tips before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled at any time by submitting your request to Insurance Best Tips in writing.
Unless you notify Insurance Best Tips before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled at any time by submitting your request to Insurance Best Tips in writing.
4. Services.
o Fees; Payment. By signing up for
a Services account you agree to pay Insurance Best Tips the applicable setup
fees and recurring fees. Applicable fees will be invoiced starting from the day
your services are established and in advance of using such services. Insurance
Best Tips reserves the right to change the payment terms and fees upon thirty
(30) days prior written notice to you. Services can be canceled by you at
anytime on thirty (30) days written notice to Insurance Best Tips.
o Support. If your service includes
access to priority email support. "Email support" means the ability
to make requests for technical support assistance by email at any time (with
reasonable efforts by Insurance Best Tips to respond within one business day)
concerning the use of the VIP Services. "Priority" means that support
takes priority over support for users of the standard or
free http://insurance-besttips.blogspot.com services. All support
will be provided in accordance with Insurance Best Tips standard services
practices, procedures and policies.
5. Responsibility of Website
Visitors. Insurance Best Tips has not reviewed, and cannot review, all of
the material, including computer software, posted to the Website, and cannot
therefore be responsible for that material's content, use or effects. By
operating the Website, Insurance Best Tips does not represent or imply that it
endorses the material there posted, or that it believes such material to be
accurate, useful or non-harmful. You are responsible for taking precautions as
necessary to protect yourself and your computer systems from viruses, worms,
Trojan horses, and other harmful or destructive content. The Website may
contain content that is offensive, indecent, or otherwise objectionable, as
well as content containing technical inaccuracies, typographical mistakes, and
other errors. The Website may also contain material that violates the privacy
or publicity rights, or infringes the intellectual property and other
proprietary rights, of third parties, or the downloading, copying or use of
which is subject to additional terms and conditions, stated or unstated.
Insurance Best Tips disclaims any responsibility for any harm resulting from
the use by visitors of the Website, or from any downloading by those visitors
of content there posted.
6. Content Posted on Other
Websites. We have not reviewed, and cannot review, all of the material,
including computer software, made available through the websites and webpages
to which http://insurance-besttips.blogspot.com links, and that
link to http://insurance-besttips.blogspot.com. Insurance Best Tips does
not have any control over those non-Insurance Best Tips websites and webpages,
and is not responsible for their contents or their use. By linking to a
non-Insurance Best Tips website or webpage, Insurance Best Tips does not
represent or imply that it endorses such website or webpage. You are
responsible for taking precautions as necessary to protect yourself and your
computer systems from viruses, worms, Trojan horses, and other harmful or
destructive content. Insurance Best Tips disclaims any responsibility for any
harm resulting from your use of non-Insurance Best Tips websites and webpages.
7. Copyright Infringement and DMCA
Policy. As Insurance Best Tips asks others to respect its intellectual
property rights, it respects the intellectual property rights of others. If you
believe that material located on or linked to
by http://insurance-besttips.blogspot.com violates your copyright,
you are encouraged to notify Insurance Best Tips in accordance with Insurance
Best Tips Digital Millennium Copyright Act ("DMCA") Policy. Insurance
Best Tips will respond to all such notices, including as required or
appropriate by removing the infringing material or disabling all links to the
infringing material. Insurance Best Tips will terminate a visitor's access to
and use of the Website if, under appropriate circumstances, the visitor is
determined to be a repeat infringer of the copyrights or other intellectual
property rights of Insurance Best Tips or others. In the case of such
termination, Insurance Best Tips will have no obligation to provide a refund of
any amounts previously paid to Insurance Best Tips.
8. Intellectual Property. This
Agreement does not transfer from Insurance Best Tips to you any Insurance Best
Tips or third party intellectual property, and all right, title and interest in
and to such property will remain (as between the parties) solely with Insurance
Best Tips. Insurance Best Tips, http://insurance-besttips.blogspot.com, the http://insurance-besttips.blogspot.com logo,
and all other trademarks, service marks, graphics and logos used in
connection with http://insurance-besttips.blogspot.com, or the Website
are trademarks or registered trademarks of Insurance Best Tips or Insurance
Best Tips licensors. Other trademarks, service marks, graphics and logos used
in connection with the Website may be the trademarks of other third parties.
Your use of the Website grants you no right or license to reproduce or
otherwise use any Insurance Best Tips or third-party trademarks.
9. Advertisements. Insurance Best
Tips reserves the right to display advertisements on your blog unless you have
purchased an ad-free account.
10. Attribution. Insurance Best Tips reserves the right
to display attribution links such as 'Blog
at http://insurance-besttips.blogspot.com,' theme author, and font
attribution in your blog footer or toolbar.
11. Partner Products. By activating a partner product
(e.g. theme) from one of our partners, you agree to that partner's terms of
service. You can opt out of their terms of service at any time by de-activating
the partner product.
12. Domain Names. If you are registering a domain name,
using or transferring a previously registered domain name, you acknowledge and
agree that use of the domain name is also subject to the policies of the
Internet Corporation for Assigned Names and Numbers ("ICANN"),
including their Registration Rights and Responsibilities.
13. Changes. Insurance Best Tips reserves the right, at
its sole discretion, to modify or replace any part of this Agreement. It is
your responsibility to check this Agreement periodically for changes. Your
continued use of or access to the Website following the posting of any changes
to this Agreement constitutes acceptance of those changes. Insurance Best Tips
may also, in the future, offer new services and/or features through the Website
(including, the release of new tools and resources). Such new features and/or services
shall be subject to the terms and conditions of this Agreement.
14. Termination. Insurance Best Tips may terminate your
access to all or any part of the Website at any time, with or without cause,
with or without notice, effective immediately. If you wish to terminate this
Agreement or your http://insurance-besttips.blogspot.com account (if
you have one), you may simply discontinue using the
Website. Notwithstanding the foregoing, if you have a paid services
account, such account can only be terminated by Insurance Best Tips if you
materially breach this Agreement and fail to cure such breach within thirty
(30) days from Insurance Best Tips notice to you thereof; provided that,
Insurance Best Tips can terminate the Website immediately as part of a general
shut down of our service. All provisions of this Agreement which by their
nature should survive termination shall survive termination, including, without
limitation, ownership provisions, warranty disclaimers, indemnity and
limitations of liability.
15. Disclaimer of Warranties. The Website is provided
"as is". Insurance Best Tips and its suppliers and licensors hereby
disclaim all warranties of any kind, express or implied, including, without
limitation, the warranties of merchantability, fitness for a particular purpose
and non-infringement. Neither Insurance Best Tips nor its suppliers and
licensors, makes any warranty that the Website will be error free or that
access thereto will be continuous or uninterrupted. You understand that you
download from, or otherwise obtain content or services through, the Website at
your own discretion and risk.
16. Limitation of Liability. In no event will Insurance
Best Tips, or its suppliers or licensors, be liable with respect to any subject
matter of this agreement under any contract, negligence, strict liability or
other legal or equitable theory for: (i) any special, incidental or consequential
damages; (ii) the cost of procurement for substitute products or services;
(iii) for interruption of use or loss or corruption of data; or (iv) for any
amounts that exceed the fees paid by you to Insurance Best Tips under this
agreement during the twelve (12) month period prior to the cause of action.
Insurance Best Tips shall have no liability for any failure or delay due to
matters beyond their reasonable control. The foregoing shall not apply to the
extent prohibited by applicable law.
17. General Representation and Warranty. You represent
and warrant that (i) your use of the Website will be in strict accordance with
the Insurance Best Tips Privacy Policy, with this Agreement and with all
applicable laws and regulations (including without limitation any local laws or
regulations in your country, state, city, or other governmental area, regarding
online conduct and acceptable content, and including all applicable laws
regarding the transmission of technical data exported from the United States or
the country in which you reside) and (ii) your use of the Website will not
infringe or misappropriate the intellectual property rights of any third party.
18. Indemnification. You agree to indemnify and hold
harmless Insurance Best Tips, its contractors, and its licensors, and their
respective directors, officers, employees and agents from and against any and
all claims and expenses, including attorneys' fees, arising out of your use of
the Website, including but not limited to your violation of this Agreement.
19. Miscellaneous. This Agreement constitutes the entire
agreement between Insurance Best Tips and you concerning the subject matter
hereof, and they may only be modified by a written amendment signed by an
authorized executive of Insurance Best Tips, or by the posting by Insurance
Best Tips of a revised version. Except to the extent applicable law, if any,
provides otherwise, this Agreement, any access to or use of the Website will be
governed by the laws of the state of California, U.S.A., excluding its conflict
of law provisions, and the proper venue for any disputes arising out of or
relating to any of the same will be the state and federal courts located in San
Francisco County, California. Except for claims for injunctive or equitable
relief or claims regarding intellectual property rights (which may be brought
in any competent court without the posting of a bond), any dispute arising
under this Agreement shall be finally settled in accordance with the
Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation
Service, Inc. ("JAMS") by three arbitrators appointed in accordance
with such Rules. The arbitration shall take place in San Francisco, California,
in the English language and the arbitral decision may be enforced in any court.
The prevailing party in any action or proceeding to enforce this Agreement
shall be entitled to costs and attorneys' fees. If any part of this Agreement
is held invalid or unenforceable, that part will be construed to reflect the
parties' original intent, and the remaining portions will remain in full force
and effect. A waiver by either party of any term or condition of this Agreement
or any breach thereof, in any one instance, will not waive such term or
condition or any subsequent breach thereof. You may assign your rights under
this Agreement to any party that consents to, and agrees to be bound by, its
terms and conditions; Insurance Best Tips may assign its rights under this
Agreement without condition. This Agreement will be binding upon and will inure
to the benefit of the parties, their successors and permitted assigns.
Privacy
Policy:
Insurance Best Tips
("Insurance Best Tips")
operates http://insurance-besttips.blogspot.com and may operate other
websites. It is Insurance Best Tips policy to respect your privacy
regarding any information we may collect while operating our websites.
Website Visitors
Like most website
operators, Insurance Best Tips collects non-personally-identifying information
of the sort that web browsers and servers typically make available, such as the
browser type, language preference, referring site, and the date and time of
each visitor request. Insurance Best Tips purpose in collecting non-personally
identifying information is to better understand how Insurance Best Tips visitors
use its website. From time to time, Insurance Best Tips may release
non-personally-identifying information in the aggregate, e.g., by publishing a
report on trends in the usage of its website.
Insurance Best Tips
also collects potentially personally-identifying information like Internet
Protocol (IP) addresses for logged in users and for users leaving comments
on http://insurance-besttips.blogspot.com blogs/sites. Insurance Best
Tips only discloses logged in user and commenter IP addresses under the same
circumstances that it uses and discloses personally-identifying information as
described below, except that commenter IP addresses and email addresses are
visible and disclosed to the administrators of the blog/site where the comment
was left.
Gathering of
Personally-Identifying Information
Certain visitors to
Insurance Best Tips websites choose to interact with Insurance Best Tips in
ways that require Insurance Best Tips to gather personally-identifying
information. The amount and type of information that Insurance Best Tips
gathers depends on the nature of the interaction. For example, we ask visitors
who sign up at http://insurance-besttips.blogspot.com to
provide a username and email address. Those who engage in transactions with
Insurance Best Tips are asked to provide additional information, including as
necessary the personal and financial information required to process those
transactions. In each case, Insurance Best Tips collects such information only
insofar as is necessary or appropriate to fulfill the purpose of the visitor's
interaction with Insurance Best Tips. Insurance Best Tips does not disclose
personally-identifying information other than as described below. And visitors
can always refuse to supply personally-identifying information, with the caveat
that it may prevent them from engaging in certain website-related activities.
Aggregated Statistics
Insurance Best Tips
may collect statistics about the behavior of visitors to its websites.
Insurance Best Tips may display this information publicly or provide it to
others. However, Insurance Best Tips does not disclose personally-identifying
information other than as described below.
Protection of Certain
Personally-Identifying Information
Insurance Best Tips
discloses potentially personally-identifying and personally-identifying
information only to those of its employees, contractors and affiliated
organizations that (i) need to know that information in order to process it on
Insurance Best Tips behalf or to provide services available at Insurance Best
Tips websites, and (ii) that have agreed not to disclose it to others. Some of
those employees, contractors and affiliated organizations may be located
outside of your home country; by using Insurance Best Tips websites, you consent
to the transfer of such information to them. Insurance Best Tips will not rent
or sell potentially personally-identifying and personally-identifying
information to anyone. Other than to its employees, contractors and affiliated
organizations, as described above, Insurance Best Tips discloses potentially
personally-identifying and personally-identifying information only in response
to a subpoena, court order or other governmental request, or when Insurance
Best Tips believes in good faith that disclosure is reasonably necessary to
protect the property or rights of Insurance Best Tips, third parties or the
public at large. If you are a registered user of an Insurance Best Tips website
and have supplied your email address, Insurance Best Tips may occasionally send
you an email to tell you about new features, solicit your feedback, or just
keep you up to date with what's going on with Insurance Best Tips and our
products. If you send us a request (for example via email or via one of our
feedback mechanisms), we reserve the right to publish it in order to help us
clarify or respond to your request or to help us support other users. Insurance
Best Tips takes all measures reasonably necessary to protect against the
unauthorized access, use, alteration or destruction of potentially
personally-identifying and personally-identifying information.
Cookies
A cookie is a string
of information that a website stores on a visitor's computer, and that the
visitor's browser provides to the website each time the visitor returns.
Insurance Best Tips uses cookies to help Insurance Best Tips identify and track
visitors, their usage of Insurance Best Tips website, and their website access
preferences. Insurance Best Tips visitors who do not wish to have cookies
placed on their computers should set their browsers to refuse cookies before
using Insurance Best Tips websites, with the drawback that certain features of
Insurance Best Tips websites may not function properly without the aid of
cookies.
Business Transfers
If Insurance Best Tips,
or substantially all of its assets, were acquired, or in the unlikely event
that Insurance Best Tips goes out of business or enters bankruptcy, user
information would be one of the assets that is transferred or acquired by a
third party. You acknowledge that such transfers may occur, and that any
acquirer of Insurance Best Tips may continue to use your personal information
as set forth in this policy.
Ads
Ads appearing on any
of our websites may be delivered to users by advertising partners, who may set
cookies. These cookies allow the ad server to recognize your computer each time
they send you an online advertisement to compile information about you or
others who use your computer. This information allows ad networks to, among
other things, deliver targeted advertisements that they believe will be of most
interest to you. This Privacy Policy covers the use of cookies by Insurance
Best Tips and does not cover the use of cookies by any advertisers.
Privacy Policy Changes
Although most changes
are likely to be minor, Insurance Best Tips may change its Privacy Policy from
time to time, and in Insurance Best Tips sole discretion. Insurance Best Tips
encourages visitors to frequently check this page for any changes to its Privacy
Policy. If you have a http://insurance-besttips.blogspot.com account,
you might also receive an alert informing you of these changes. Your
continued use of this site after any change in this Privacy Policy will
constitute your acceptance of such change.
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