Disclaimer

Insurance Snoopers: Terms and Conditions

By Signing up, you are agreeing and accepting Insurance Snoopers© User’s Agreement, Terms & Conditions, and Disclaimers

I AGREE TO ALL TERMS AND CONDITIONS MENTIONED HEREIN FOR MY ACCESS TO THE ISI APP & WEB-BASED SERVICES AND RETURN ME TO THE ISI HOME PAGE

I DISAGREE AND RETURN ME TO THE ISI HOME PAGE

User’s Agreement

The mission of Insurance Snoopers, Inc.© [ISI], is to provide easy-to-understand insurance coverage information/education/comparison to automo- bile drivers and drivers seeking to understand auto insurance protection in California through an app, a web site, or a site hereinafter referred to as “web-based services”.

The information contained in our web-based services is read and information only, which is available on-line, through the office of The Insurance Commissioner of the State of California, and from web-based services of the more than 150 auto insurers licensed and doing business in the State of California. These lists by line of insurance display all insurers writing at least $50,000.00 of premium volume in the last year, and providing in most instances policy data on at least one auto program reported to the California Department of Insurance.

The information provided is equally available to all consumers by visiting the sites described above. ISI seeks only to draw those sites and the information contained therein together for our subscribers to make the task of policy review and comparison easier and available on one, rather than hundreds of web-based services.

Insurance Snoopers, Inc. is not providing you as user/viewer with insurance advice or agent or brokerage services. We are providing access to a database to compare insurance products and services. We are not providing you advice on the extent of coverage or the limits of coverage you should obtain. These items are choices you must make based on your own insurance needs.

ISI does not validate the content contained in our web-based services, nor the accuracy of the information and data provided. The information is gathered from the above locations, and ISI is not responsible for the content or neither the accuracy of the reported information provided by either the Insurance Commissioner nor the web-based services of the insurance carriers.

ISI does not endorse any insurance carrier, which is identified in our web-based services, but provides data from the auto insurance companies to permit our subscribers to compare coverages and benefits available from each of the policies from each of the companies.

ISI does not offer an opinion on the nature of the insurance products provided, or an opinion on which if any of the coverages offered by the California Insurance Companies should be obtained by our subscribers.

ISI does not offer an opinion on the claims handling practices of any of the insurance companies identified in our web-based services. Claims practices may vary from company to company and even vary within one company from one claims office to another.

ISI is not responsible if a company identified in our web-based services does not provide the service described or the benefit described in this web-based services. The listings of and comparisons of the coverage provided in the ISI web-based services are not guaranteed by ISI to exist or to be provided by the companies listed herein. It is up to our subscribers to contact the companies that they are interested in and to confirm the availability of the coverages and benefits described herein.

ISI is not responsible to our subscribers if a company does not provide the coverages identified in our web-based services.

ISI is not responsible to our subscribers if a company does not provide an amount of a benefit or coverages as identified in our web-based services.

ISI is not responsible to our subscribers if a company does not provide the all coverages and information, including amendment of policy provisions for California, endorsements, etc. within their basic automobile policy jacket.

ISI disclaims any liability for any injuries or damages incurred by any of our subscribers as a result of an insurance selection by any of our subscribers based on any of the data, information, benefits, or coverages described in our web-based services.

I agree that I am responsible for the choices I make based on my review of the material provided in this web-based services. I agree that ISI is not responsible to me for any of the choices I make after reviewing the information provided by this web-based services.

I agree to indemnify and hold harmless ISI and its shareholders and employees as against any claims for damage in any way related to my observation, participation, or insurance coverage selected based on my review of the information provided by this web-based services.

To access the web-based services, you hereby agree to these terms and conditions and the below disclaimer.

This web-based services are designed for read and general information only. The information presented at this site should not be construed to be either formal legal or business advice or the formation of a lawyer/client, or business/client, relationship.

You are viewing a web-based services created with ISI technology. You must accept ISI terms of service noted throughout this User’s Agreement, Disclaimer, Terms, and Conditions, in order to use any of the ISI services, including the viewing of or interaction with any web page herein or web-based services hosted by ISI or created by its technology. You can accept the User’s Agreement, Disclaimer, Terms, and Conditions by:

• Clicking to accept the Agreement, Disclaimer, Terms and Conditions, where this option is made available to you by ISI in the user interface for any service therein; or

• By actually viewing and/or using the services

In either case, you understand and agree that ISI shall deem your use of the services as acceptance of the User’s Agreement, Disclaimer, Terms, and Conditions from the point of your use onwards.

Even though ISI makes every attempt to provide accurate and useful information, ISI does not represent or endorse the accuracy or reliability of any of the information, content, or advertisements contained on, distributed through, or linked, downloaded or accessed from any of the services contained on this web-based services. The materials displayed on this web-based services are for read and informational purposes only and are not intended to be construed or implied as insurance, tax, or financial advice. Any special advice you may need should be directed to your insurance company, insurance agent, independent broker and/or insurance producer, accountant, or financial advisor. You hereby acknowledge that any reliance upon any materials within the Insurance Snoopers, Inc. web-based services for decisions made by yourself, are made at your own sole risk and discretion and you take full responsibility for your actions.

Insurance Snoopers, Inc. EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS, OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY MATERIALS AND PRODUCTS. IN NO EVENT SHALL INSURANCE SNOOPERS, INC., ITS PARTNERS, ITS OWNERS OR ANY PERSON OR PERSONS ASSOCIATED WITH INSURANCE SNOOPERS, INC. BE HELD LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE, THE MATERIALS, INSURANCE PROGRAMS, AND ANY PRODUCTS PROVIDED.

Terms and Conditions – Part 1

The user/viewer of the ISI’s services and web-based services agrees to the following terms and conditions:

· The information provided on the ISI blog service site are gathered opinionated answers from third party Internet blogged sources of ‘best answer’ blogged information. The answers offered are not the opinions of ISI, as the ISI service only offers the user/viewer basic information that other policyholders might have and the blogged answers must not be construed as legal opinions or providing legal advice by ISI.

· No special relationship exists between user and ISI. ISI does not advise, guide, or direct the user/viewer about insurance matters. ISI does not receive other compensation apart from the user’s annual subscription fee. Furthermore, no interaction exists between the user/viewer and ISI regarding coverage questions of the user/viewer, as the user/viewer agrees not to rely upon the ISI web-based services information or any perceived expertise of ISI to make a decision about acquiring insurance coverage. Additionally, the user’s/viewer’s frequent use of the web-based services does not put ISI on notice that the ISI web-based services information is being considered by that user/viewer as providing any legal advice being sought and/or relied upon.

· ISI services are not to be construed by the user/viewer as a back-up or replacement for an insurance company’s representative, an agent, independent insurance broker, or producer.

Copyright Infringement Policy and the DMCA (Digital Millennium Copyright Act)

1. Our Policy

1.1 It is our policy to respond to clear notices of alleged copyright infringement.

(a) This page describes the information that should be present in these notices.

(b) It is designed to make submitting notices of alleged infringement to us as straightforward as possible while reducing the number of notices that we receive that is fraudulent or difficult to understand or verify.

(c) The form of notice specified below is consistent with the form suggested by the United States Digital Millennium Copyright Act (the text of which can be found at the U.S. Copyright Office web-based services, www.copyright.gov), but we will respond to notices of this form from other jurisdictions as well.

1.2 Regardless of whether we may be liable for such infringement under local country law or United States law, our response to these notices may include removing or disabling access to material claimed to be the subject of infringing activity and/or terminating subscribers.

(a) If we remove or disable access in response to such a notice, we will make a good-faith attempt to contact the owner or administrator of the affected site or content so that they may make a counter notification.

(b) We may also document notices of alleged infringement on which we act.

2. Copyright Infringement Notification

2.1 To file a notice of infringement with us, you must provide a written communication (by regular mail — not by email, except by prior agreement) that sets forth the items specified below.

(a) Please note that you will be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that a product, service, or activity is infringing your copyrights.

(b) In a recent case, a company that sent an infringement notification seeking removal of online materials that were protected by the fair use doctrine was ordered to pay such costs and attorney’s fees. The company agreed to pay over $100,000. Ref: Link

2.2 Accordingly, if you are not sure whether material available online infringes your copyright, we suggest that you first contact an attorney.

2.3 To expedite our ability to process your request, please use the following format (including section numbers):

(a) Identify in sufficient detail the copyrighted work that you believe has been infringed upon. For example, “The copyrighted work at issue is the image that appears on http://john-doe-lawyer-Dallas.TX-npw.com” or other information sufficient to specify the copyrighted work being infringed. For example, “The copyrighted work at issue is “Solomon’s Song of Love” by Dr. Craig Glickman, published by Howard Publishing, ISBN #1-58229-376-7.

(b) Identify the material that you claim is infringing the copyrighted work listed in item “(a)” above.

(i) YOU MUST IDENTIFY EACH ALLEGED COPYRIGHT INFRINGEMENT YOU ARE CLAIMING BY PROVIDING A DIRECT LINK TO A WEB PAGE THAT CONTAINS THE INFRINGING MATERIAL IN QUESTION.

(ii) This requires you to provide the URL for each alleged copyright infringement that identifies the specific posts, as opposed to entire web-based services.

(c) Provide information reasonably sufficient to permit Insurance Snoopers, Inc. to contact you (email address is preferred).

(d) Provide information, if possible, sufficient to permit Insurance Snoopers, Inc. to notify the owner/administrator of the allegedly infringing webpage or other content (email address is preferred).

(e) Include the following statement: “I have a good faith belief that use of the copyrighted materials described above as allegedly infringing is not authorized by the copyright owner, its insurance company, insurance agent, independent broker and/or insurance producer, or the law.”

(f) Include the following statement: “I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.”

(g) Sign the paper.

(h) Send the written communication by the following method:

Mail to: Insurance Snoopers, Inc., Attn: Insurance Snoopers, Inc., Legal Support, Insurance Snoopers, Inc., DMCA Complaints, 2400 North Lincoln Avenue, Altadena, CA 91001.

3. Counter Notification

3.1 The administrator of an affected site or the provider of affected content may make a counter notification pursuant to sections 512(g)(2) and (3) of the Digital Millennium Copyright Act.

3.2 When we receive a counter notification, we may reinstate the material in question. To file a counter notification with us, you must provide a written communication (by regular mail — not by email, except by prior agreement) that sets forth the items specified below.

3.3 Please note that you will be liable for damages (including costs and attorneys’ fees) if you materially misrepresent that a product or activity is not infringing the copyrights of others.

3.4 Accordingly, if you are not sure whether certain material infringes the copyrights of others, we suggest that you first contact an attorney.

3.5 To expedite our ability to process your counter notification, please use the following format (including section numbers):

(a) Identify the specific URLs or other unique identifying information of material that Insurance Snoopers, Inc. has removed or to which Insurance Snoopers, Inc. has disabled access.

(b) Provide your name, address, telephone number, email address, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located, and that you will accept service of process from the person who provided notification under subsection (c)(1)(C) or an insurance company, insurance agent, independent broker and/or insurance producer of such person.

(c) Include the following statement: “I swear, under penalty of perjury, that I have a good faith belief that each search result, message, or other item of content identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled, or that the material identified by the complainant has been removed or disabled at the URL identified and will no longer be shown.”

(d) Sign the paper.

(e) Send the written communication by the following method:

Mail to: Insurance Snoopers, Inc., Attn: Insurance Snoopers, Inc., Legal Support, Insurance Snoopers, Inc., DMCA Complaints, 2400 North Lincoln Avenue, Altadena, CA 91001.

Account Termination

4.1 Many ISI services do not have account holders or subscribers.

(a) For services that do, ISI will, in appropriate circumstances, terminate repeat infringers.

(b) If you believe that an account holder or subscriber is a repeat infringer, please follow the instructions above to contact Insurance Snoopers, Inc. and provide information sufficient for us to verify that the account holder or subscriber is a repeat infringer.

Payment System Software 1. Taxes

1.1 ISI and its affiliated companies may use Payment System Software (“PSS”) provided by a third-party or third-parties.

(a) Such PSS may be used to accept payments from Clients and Affiliates (hereinafter “PSS Customers”) for web-based services subscriptions and to make payments to Affiliates.

(b) The prices for such PSS services are exclusive of taxes.

(c) Clients and/or Affiliates shall pay (and ISI, its affiliated companies and any third-party providers shall have no liability for), any taxes, tariffs, duties and other charges or assessments imposed or levied by any government or governmental agency in connection with its PSS services, including, without limitation, any federal, provincial, state and local sales, use, goods and services, value-added and personal property taxes on any payments due ISI, its affiliated companies and any third-party providers in connection with the PSS services provided hereunder, except for tax based solely on the net income, if any, for ISI, its affiliated companies and any third-party providers.

(d) ISI, its affiliated companies and any third-party providers are each responsible respectively for any tax based on their own net profits, if any, from PSS services.

2. Warranties and Disclaimers

2.1 Quality of Services

ISI warrants that it will make good faith efforts to insure that the third-party provider(s)’ PSS services will substantially conform to industry standards.

(b) For any breach of this warranty or the failure of the third-party provider to perform services (a “Claim”), PSS Customer’s sole and exclusive remedy and Insurance Snoopers, Inc.’s entire obligation shall be to require the third-party provider to perform or re-perform the services that are the subject of the Claim. The remedies in this Section 2.1(b) are expressly in lieu of any or all other remedies, which may be available to PSS Customer resulting from the furnishing, the failure to furnish or the quality of any service. Insurance Snoopers, Inc., and its affiliated companies (and any third-party providers), do not warrant the accuracy of any data or information furnished to PSS Customer that is created from PSS Customer Data, PSS Customer Systems or software supplied by PSS Customer unless expressly agreed to in writing.

2.2 Warranty Disclaimer

(a) EXCEPT AS EXPRESSLY PROVIDED HEREIN, ISI AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY PROVIDERS) EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND OR NATURE, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, REPRESENTATIONS, WARRANTIES AND CONDITIONS OF SATISFACTORY QUALITY, PERFORMANCE, MERCHANTABILITY, MERCHANTABLE QUALITY, DURABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USE OF TRADE.

(b) ISI AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY PROVIDERS) DO NOT REPRESENT OR WARRANT THAT THE SERVICES OR THE APPLICATION SERVICE WILL MEET PSS CUSTOMER’S BUSINESS REQUIREMENTS; THE SERVICES OR APPLICATION SERVICE WILL BE ERROR-FREE OR UNINTERRUPTED OR THAT THE RESULTS OBTAINED FROM ITS USE WILL BE ACCURATE OR RELIABLE; OR THAT ALL DEFICIENCIES IN THE SERVICES OR APPLICATION SERVICE CAN BE FOUND OR CORRECTED. FURTHER, THE APPLICATION SERVICE MAY BE INTERRUPTED OR UNAVAILABLE FOR THE PURPOSES OF PERFORMING MAINTENANCE OR UPGRADES.

(c) ISI AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY PROVIDERS) WILL NOT BE RESPONSIBLE FOR ANY OF THE FOLLOWING:

(i) SERVICE IMPAIRMENTS CAUSED BY ACTS WITHIN THE CONTROL OF PSS CUSTOMER OR ANY AUTHORIZED USER.

(ii) INTEROPERABILITY OF SPECIFIC PSS CUSTOMER APPLICATIONS OR EQUIPMENT.

(iii) INABILITY OF PSS CUSTOMER TO ACCESS OR INTERACT WITH ANY OTHER SERVICE PROVIDER THROUGH THE INTERNET, OTHER NETWORKS OR USERS THAT COMPRISE THE INTERNET OR THE INFORMATIONAL OR COMPUTING RESOURCES AVAILABLE THROUGH THE INTERNET.

(iv) INTERACTION WITH OTHER SERVICE PROVIDERS, NETWORKS, USERS OR INFORMATIONAL OR COMPUTING RESOURCES THROUGH THE INTERNET.

(v) SERVICE PROVIDED BY OTHER SERVICE PROVIDERS.

(vi) PERFORMANCE IMPAIRMENTS CAUSED ELSEWHERE ON THE INTERNET.

(c) PSS CUSTOMER IS RESPONSIBLE FOR TAKING PRECAUTIONARY MEASURES TO PREVENT THE LOSS OR DESTRUCTION OF PSS CUSTOMER DATA AND DATABASES SUCH AS, FOR EXAMPLE, MAKING REGULAR BACKUPS AND VERIFYING THE RESULTS OBTAINED FROM USING THE APPLICATION SERVICE AND SOFTWARE, AND INSURANCE SNOOPERS, INC. AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY PROVIDERS) SHALL HAVE NO OBLIGATIONS OR LIABILITY WHATSOEVER WITH RESPECT TO ANY SUCH LOSS OR DESTRUCTION.

2.3 LIMIT OF LIABILITY

(a) FOR ANY BREACH OR DEFAULT BY ISI OF ANY OF THE PROVISIONS OF THIS AGREEMENT, OR WITH RESPECT TO ANY CLAIM ARISING HEREFROM OR RELATED HERETO, INSURANCE SNOOPERS, INC.’S ENTIRE LIABILITY, REGARDLESS OF THE FORM OF ACTION, WHETHER BASED ON CONTRACT OR TORT, INCLUDING NEGLIGENCE, SHALL IN NO EVENT EXCEED ANY OF THE FOLLOWING: THE FEES PAID TO THE THIRD-PARTY PROVIDER BY PSS CUSTOMER IN THE CALENDAR YEAR IN RESPECT OF WHICH THE CAUSE OF ACTION FIRST AROSE EVEN IF THE CAUSE OF ACTION IS A CONTINUING ONE, OR IN THE AGGREGATE WITH RESPECT TO ALL CLAIMS MADE UNDER OR RELATED TO THIS AGREEMENT, THE AMOUNT PAID BY PSS CUSTOMER.

(b) IN NO EVENT WILL ISI AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY PROVIDERS) BE LIABLE FOR SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL LOSS OR DAMAGE, LOST BUSINESS REVENUE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF COVER, DAMAGES FOR DELAY, PUNITIVE OR EXEMPLARY DAMAGES, FAILURE TO REALIZE EXPECTED PROFITS OR SAVINGS OR ANY CLAIM AGAINST PSS CUSTOMER BY ANY OTHER PERSON, EVEN IF THE THIRD-PARTY PROVIDER (AND ISI AND ITS AFFILIATED COMPANIES) HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH LOSSES OR DAMAGES.

(c) ISI AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY PROVIDERS) SHALL NOT BE LIABLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION, THEFT, LOSS OR DESTRUCTION OF ANY DATA, EQUIPMENT OR SERVICES, INCLUDING WITHOUT LIMITATION THROUGH ACCIDENT, FRAUDULENT MEANS OR DEVICES, OR ANY OTHER METHOD.

(d) ISI AND ITS AFFILIATED COMPANIES SHALL BE LIABLE TO PSS CUSTOMER AS EXPRESSLY PROVIDED IN THIS AGREEMENT BUT IT (AND ANY THIRD-PARTY PROVIDERS) SHALL HAVE NO OTHER OBLIGATION, DUTY, OR LIABILITY WHATSOEVER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE TO PSS CUSTOMER. THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS HEREIN SHALL APPLY IRRESPECTIVE OF THE NATURE OF THE CAUSE OF ACTION, DEMAND, OR ACTION BY PSS CUSTOMER, INCLUDING BUT NOT LIMITED TO BREACH OF CONTRACT, NEGLIGENCE, TORT, OR ANY OTHER LEGAL THEORY AND SHALL SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR THE FAILURE OF THE ESSENTIAL PURPOSE OF THIS AGREEMENT OR OF ANY REMEDY CONTAINED HEREIN.

(e) Neither party nor third-party shall be responsible or liable for any loss, damage or inconvenience suffered by the other or by any third party, to the extent that such loss, damage or inconvenience is caused by the failure of the other party to comply with its obligations under the agreements governing their mutual duties and obligations.

(f) Neither party or third-party may bring an action, regardless of form, arising out of or related to this Agreement (other than to recover fees or expenses due to the third-party provider) more than two years after the cause of action has arisen or the date of discovery of such cause, whichever is later.

(g) Each party agrees to indemnify and hold the other party, its affiliated companies, employees, officers, directors and shareholders harmless from and against any claims, suits, actions or proceedings (a “claim”) brought and damages, costs (including attorney’s fees) or judgments awarded against such party that arise from or in connection with: (i) claims by any person or entity to the extent that such claims are based upon or arise out of the use of the services; or (ii) breach by such party of this Agreement. The indemnified party shall give the other party prompt written notice of such claims, permit such party to defend and/or settle such claims, and give such party all information and assistance reasonably requested in connection with such claims. Affiliated persons shall not have the right, and each party shall ensure that their respective affiliated persons do not, institute any claim directly against the parties to this Agreement, or any third-party PSS provider.

2.4 Links to Third-Party Sites

(a) The third-party provider web-based services(s) and ISI’s web-based services(s) may contain links to other web-based services(s) (“Linked Sites”). The Linked Sites are not under the control of the third-party provider and the third-party provider (and Insurance Snoopers, Inc. and its affiliated companies) is not responsible for the contents of any Linked Sites, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The third-party provider is not responsible for webcasting or any other form of transmission received from any Linked Site.

(b) The third-party provider is providing these links to PSS Customer only as a convenience, and the inclusion of any link does not imply endorsement by the third-party provider of the site or any association with its operators.

Privacy Policy 1. General Policy

1.1 This Privacy Policy applies to all of the services offered by ISI or its subsidiaries or affiliated companies (hereinafter referred to as the “services”). In addition, if more detailed information is needed to explain our privacy practices, we will post separate privacy notices to describe how particular services process personal information.

1.2 Insurance Snoopers, Inc. recognizes that privacy is important. Our primary goal in collecting information from you is to provide you with a smooth and customized experience while you use our services. Except as otherwise stated in this Privacy Policy, we do not disclose any personally identifiable information about you to any third-party without your permission, unless we believe in good faith that we are required to do so by law.

1.3 If you have any questions about this Privacy Policy, please feel free to contact us as provided on the Contact Us or Support pages at Insurance Snoopers, Inc.

2. Information We Gather

2.1 We offer a number of services that do not require you to register for an account or provide any personal information to us, such as ISI Business Directory. In order to provide our full range of services, we may collect the following types of information:

(a) Information you provide:

(i) When you sign up for an ISI web-based services or other ISI service or promotion that requires registration, we ask you for personal and business information (such as your name, business name, address and contact information, business description, email address and an account password).

(ii) For certain services, such as upgrades for the web-based services service, we also request credit card or other payment account information, which we maintain in encrypted form on secure servers.

(iii) We may combine the information you submit under your account with information from other ISI services or third-parties in order to provide you with a better experience and to improve the quality of our services.

(iv) For certain services, we may give you the opportunity to opt-out of combining such information.

(b) ISI’s cookies:

(i) When you visit ISI, we send one or more cookies – a small file containing a string of characters – to your computer that uniquely identifies your browser.

(ii) We use cookies to improve the quality of our service by storing user preferences and tracking user trends, such as what images are most popular.

(iii) Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent.

(iv) However, some ISI features and services may not function properly if your cookies are disabled.

(c) Log information:

(i) When you use ISI services, our servers automatically record information that your browser sends whenever you visit a web-based services.

(ii) These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.

(d) User communications:

(i) When you send email or other communication to ISI, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.

(e) Affiliated web-based services:

(i) We may offer some of our services in connection with other web-based services.

(ii) Personal information that you provide to those web-based services may be sent to Insurance Snoopers, Inc. in order to deliver the services.

(iii) We process such information in accordance with this Privacy Policy.

(iv) The affiliated web-based services may have different privacy practices and we encourage you to read their privacy policies.

(f) Links:

(i) ISI may present links in a format that enables us to keep track of whether these links have been followed.

(ii) We use this information to improve the quality of our technology, customized content and advertising.

(g) Other web-based services:

(i) This Privacy Policy applies to web-based services and services that are owned and operated by ISI.

(ii) We do not exercise control over the web-based services displayed in advertising on the web-based services created using ISI technology or links from within our various services.

(iii) These other web-based services may place their own cookies or other files on your computer, collect data or solicit personal information from you.

3. How We Use the Information We Gather

3.1 ISI processes personal information only for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include:

(a) Providing our services to users, including the display of customized content and advertising.

(b) Auditing, research and analysis in order to maintain, protect and improve our services.

(c) Ensuring the technical functioning of our network.

(d) Insurance Snoopers, Inc. Business Directory that lists every Insurance Snoopers, Inc. web-based services by business category, city, state and country and includes the ability to search the directory.

(e) Developing new services.

3.2 Insurance Snoopers, Inc. processes personal information on our servers in the United States of America and in other countries.

(a) In some cases, we process personal information on a server outside your own country.

(b) We may process personal information to provide our own services.

(c) In some cases, we may process personal information on behalf of and according to the instructions of a third-party, such as our advertising partners.

4. Choices for Personal Information

4.1 When you sign up for a particular Service that requires registration, we ask you to provide personal information. If we use this information in a manner different from the purpose for which it was collected, then we will ask for your consent prior to such use.

4.2 If we propose to use personal information for any purposes other than those described in this Privacy Policy and/or in the specific Service notices, we will offer you an effective way to opt-out of the use of personal information for those other purposes.

(a) We will not collect or use sensitive information (information we know to be related to confidential medical information, racial or ethnic origins, political or religious beliefs or sexuality and tied to personal information) for purposes other than those described in this Privacy Policy and/or in the specific service notices, unless we have obtained your prior consent.

4.3 You can decline to submit personal information to any of our services, in which case Insurance Snoopers, Inc. may not be able to provide those services to you. Insurance Snoopers, Inc. will not ask for sensitive information as a condition for any of its services.

5. Information Sharing

5.1 Insurance Snoopers, Inc. shares personal information with other companies or individuals outside of Insurance Snoopers, Inc. only in the following limited circumstances:

(a) We have your consent. We require opt-in consent for the sharing of any sensitive information.

(b) We provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

(c) We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to one of the following:

(i) Satisfy any applicable law, regulation, legal process or enforceable governmental request.

(ii) Enforce applicable Terms of Service, including investigation of potential violations thereof.

(iii) Detect, prevent, or otherwise address fraud, security, or technical issues.

(iv) Protect against imminent harm to the rights, property, or safety of Insurance Snoopers, Inc., its users or the public as required or permitted by law.

5.2 If Insurance Snoopers, Inc. becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.

5.3 We may share with third-parties certain pieces of aggregated, non-personal information such as the number of users who built web-based services for a particular kind of business, for example, or how many users clicked on a particular advertisement. Such information does not identify you individually.

5.4 California residents may have special rights as provided by California Civil Code Section 1798.83. See California Residents section below.

6. Information Security

6.1 We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

6.2 We restrict access to personal information to Insurance Snoopers, Inc. employees, contractors and insurance company, insurance agent, independent broker, and/or insurance producers who need to know that information in order to operate, develop, or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

6.3 In addition, we always use a secure connection when collecting personal financial information from you. However, no data transmission over the Internet can be guaranteed 100%.

6.4 Your Insurance Snoopers, Inc. account is password-protected.

(a) So in addition to those partners or insurance company, insurance agent, independent broker and/or insurance producers who may provide you services, only you and those you designate can access it and view the member information relevant to your account.

(b) So you, too, are responsible for maintaining the secrecy of your passwords and any account information.

(c) Remember to log out of your Insurance Snoopers, Inc. account and close your browser window when you are done.

(d) In addition, do not choose to have your browser save your user name and password.

(e) These practices help ensure that others cannot access your personal information if your computer is accessible to others.

7. Third-party Advertisers and Links to Other Web-based services

7.1 Insurance Snoopers, Inc. may allow other companies, called third-party ad servers or ad networks (hereinafter referred to as “advertisers”), to serve advertisements within the web-based services hosted by Insurance Snoopers, Inc.

(a) These advertisers use technology to send, directly to your browser, the advertisements and links that appear on the Insurance Snoopers, Inc.

(b) They automatically receive your IP address when this happens.

(c) They may also use other technologies (such as cookies, JavaScript, QR Codes, BLE Beacons, or Web Beacons) to measure the effectiveness of their advertisements and to personalize the advertising content you see.

7.2 Insurance Snoopers, Inc. does not provide any personally identifiable information to these Advertisers without your consent or except as part of a specific program or feature for which you will have the ability to opt-in or opt-out.

7.3 However, please note that if an advertiser asks Insurance Snoopers, Inc. to show an advertisement to a certain audience (for example, men ages 18-34) or audience segment (for example, men ages 18-24 who have viewed certain channels of content) and you respond to that advertisement, the Advertiser may conclude that you fit the description of the audience they are trying to reach. The Advertiser may also use information regarding your use of the Insurance Snoopers, Inc., such as the number of times you viewed an ad (but not any personally identifiable information), to determine which ads to deliver to you.

7.4 You should consult the respective privacy policies of any advertisers (see links below) for more information on their practices and for instructions on how to opt-out of certain practices. Insurance Snoopers, Inc. Privacy Policy does not apply to, and we cannot control the activities of, such other advertisers. Any data obtained by advertisers subsequently shared with Insurance Snoopers, Inc. is maintained and dealt with by Insurance Snoopers, Inc. in accordance with this Privacy Policy.

7.5 Currently, Insurance Snoopers, Inc. may have relationships with the following advertisers:

(a) Yahoo: www.yahoo.com

(b) Google: www.google.com

(c) Apple: www.apple.com

8. Receiving Messages from Insurance Snoopers, Inc.

8.1 You can opt-out of receiving messages from Insurance Snoopers, Inc., in the event that Insurance Snoopers, Inc. chooses to send these messages to you, which are promotional in nature: messages about new features of services, tips on use of services, promotions of various kinds.

8.2 However, as long as you are using Insurance Snoopers, Inc. services, you cannot opt-out of receiving official company announcements about Privacy Policy changes or administrative matters relating to your account, like billing, collections or customer support. We have a duty to inform you of any Privacy Policy changes, and we have a need to inform you of any billing questions or issues of customer support.

9. Data Integrity

9.1 Insurance Snoopers, Inc. processes personal information only for the purposes for which it was collected and in accordance with this Privacy Policy or any applicable service-specific privacy notice. We review our data collection, storage, and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services.

9.2 We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.

10. Accessing and Updating Personal Information

10.1 When you use Insurance Snoopers, Inc. services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required.

10.2 In any case where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort as determined in the sole discretion of Insurance Snoopers, Inc. Some of our services may have different procedures to access, correct or delete users’ personal information.

11. Enforcement

11.1 Insurance Snoopers, Inc. regularly reviews its compliance with this Privacy Policy. Please feel free to direct any questions or concerns regarding this Privacy Policy to Insurance Snoopers, Inc. treatment of personal information by contacting us through via our Contact Us or Support pages at Insurance Snoopers, Inc. web-based services.

11.2 When we receive formal written complaints at the address provided on our Contact Us or Support pages at Insurance Snoopers, Inc. web-based services, it is Insurance Snoopers, Inc. policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between Insurance Snoopers, Inc. and an individual.

12. Changes to this Privacy Policy

12.1 Please note that this Privacy Policy may change from time to time.

(a) We will not reduce your rights under this Privacy Policy without your explicit consent, and we expect changes to the Privacy Policy, if any, to be minor.

(b) Regardless, we will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes).

(c) Each version of this Privacy Policy will be identified at the top of the page by its effective date.

(d) If you have any additional questions or concerns about this Privacy Policy, please feel free to contact us any time through the address on our Contact Us or Support pages at Insurance Snoopers, Inc. web-based services.

13. California Residents

13.1 As provided by California Civil Code Section 1798.83, a California resident who has provided Personal Information to a business with whom he/she has established a business relationship for personal, family, or household purposes (“California customer”) is entitled to request information about whether the business has disclosed Personal Information to any third-parties for the third-parties’ direct marketing purposes. In general, if the business has made such a disclosure of Personal Information, upon receipt of a request by a California customer, the business is required to provide a list of all third-parties to whom personal information was disclosed in the preceding calendar year, as well as a list of the categories of Personal Information that were disclosed.

13.2 However, under the law, a business is not required to provide the above-described lists if the business adopts and discloses to the public (in its Privacy Policy) a policy of not disclosing customer’s Personal Information to third-parties for their direct marketing purposes unless the customer first affirmatively agrees to the disclosure, as long as the business maintains and discloses this policy. Rather, the business may comply with the law by notifying the customer of his or her right to prevent disclosure of Personal Information and providing a cost-free means to exercise that right.

13.3 As stated in this Privacy Policy, we do not share information with third-parties for their direct marketing purposes unless you affirmatively agree to such disclosure – typically by opting-in to receive information from a third-party that is participating in some activity described on one of our web-based services.

(a) If you do ask us to share your information with a third-party for its marketing purposes, we will share information only in connection with that specific activity, as we do not share information with any third-party on a continual basis.

(b) To prevent disclosure of your Personal Information for use in direct marketing by a third-party, do not opt-in to such use when you provide personally identifiable information on one of our web-based services.

(c) Please note that whenever you opt-in to receive future communications from a third-party, your information will be subject to the third-party’s privacy policy.

(d) If you later decide that you do not want that third-party to use your information, you will need to contact the third-party directly, as we have no control over how third-parties use information.

(e) You should always review the privacy policy of any party that collects your information to determine how that entity will handle your information.

13.4 California customers may request further information about our compliance with this law by e-mailing on the Contact Us or Support pages at Insurance Snoopers, Inc. web-based services.

13.5 Please note that we are required to respond only to one request per customer each year, and we are not required to respond to requests made by means other than through this e-mail address.

Rules for Third-party Use of Distinctive Features 1. General Information

1.1 Although we would like to accommodate those who want to add Insurance Snoopers, Inc. trademarks or distinctive features (“Insurance Snoopers, Inc. Distinctive Features” or “Distinctive Features”) to their web-based services, we also need to protect Distinctive Features of our services. Consequently, we must turn down many requests because web-based services imply that Insurance Snoopers, Inc. is endorsing them or is otherwise affiliated with them. We also will not allow Insurance Snoopers, Inc. trademarks, logos, web pages, screen shots, or other Distinctive Features to be associated with objectionable material, as determined by Insurance Snoopers, Inc.

1.2 We therefore require that you have Insurance Snoopers, Inc. explicit written permission before using any Insurance Snoopers, Inc. Distinctive Features.

(a) These Distinctive Features can be used only pursuant to these Rules, our Terms, and for the specific purposes for which Insurance Snoopers, Inc. has given permission.

(b) If you have a written agreement with Insurance Snoopers, Inc. that specifically addresses how you may use its Distinctive Features, you do not need to go through the approval process unless you want to do something other than what has been authorized in your existing agreement.

(c) Otherwise, the only time you can use Distinctive Features without advance written permission is if there is clear and express language on our web-based services stating that you can use those Distinctive Features without first obtaining permission.

1.3 When you use any of our Distinctive Features, you must always follow the Rules for Proper Usage included in these Rules.

(a) In addition, Insurance Snoopers, Inc. may provide you with written requirements as to the size, typeface, colors, and other graphic characteristics of the Insurance Snoopers, Inc. Distinctive Features.

(b) If we provide these requirements to you at the time of our approval, you must implement them before using our Distinctive Features.

(c) If we provide these requirements to you after we initially gave our permission, you must implement them within a commercially reasonable timeframe.

2. Approval Process

2.1 You cannot use Insurance Snoopers, Inc. Distinctive Features until we have expressly granted you approval.

(a) The approval to use Insurance Snoopers, Inc. Distinctive Features is limited to the information provided in your request.

(b) If your anticipated use changes, before or after, Insurance Snoopers, Inc. grants approval, you must update your request accordingly.

2.2 Please note that we can give you permission only to use the Insurance Snoopers, Inc. Distinctive Features. We cannot give you permission to use any Distinctive Features belonging to third parties.

3. Trademark Overview

3.1 What is a trademark?

(a) A trademark is a word, name, symbol or device (or a combination thereof) that identifies the goods or services of a person or company and distinguishes them from the goods and services of others.

(b) A trademark assures consumers of consistent quality with respect to those goods or services and aids in their promotion.

3.2 Why is it important to use marks correctly?

(a) Rights to a trademark can last indefinitely if the owner continues to use the mark to identify its goods and services.

(b) If trademarks are not used properly, they may be lost and one of the company’s most important assets may lose all of its value.

(c) Rights may be lost not only because of a trademark owner’s improper use of the mark, but through improper use of the trademark by the public.

4. Rules for Proper Usage

4.1 Permitted Use.

(a) Distinguish the Insurance Snoopers, Inc. trademark from the surrounding text in some way. Capitalize the first letter, capitalize or italicize the entire mark, place the mark in information, use a different type style or font for the mark than for the generic name.

(b) If you do not capitalize the entire mark, always spell and capitalize the trademark exactly as it is shown in the Insurance Snoopers, Inc. Trademarks and Suggested Accepted Generic Terms below.

(c) Use the trademark only as an adjective, never as a noun or verb, and never in the plural or possessive form.

(d) Use a generic term following the trademark, for example: Insurance Snoopers, Inc. services or Insurance Snoopers, Inc. Business Directory.

(e) Use only Insurance Snoopers, Inc. approved artwork when using Insurance Snoopers, Inc. logos.

(f) If you are using an Insurance Snoopers, Inc. logo on a web page, there must exist a minimum spacing of 25 pixels between each side of the logo and other graphic or textual elements on your web page.

(i) Normally, an unregistered Insurance Snoopers, Inc. Distinctive Feature should be followed by the superscripted letters TM or SM to give notice that the company claims trademark rights in the term.

(ii) A registered Insurance Snoopers, Inc. Distinctive Feature should be followed by the symbol ® to identify the term as a registered trademark.

(iii) In advertising copy, notice of trademark rights may be provided in a footnote format; e.g., by placing an asterisk adjacent to the Insurance Snoopers, Inc. Distinctive Feature and placing an appropriate notice at the bottom of the page on which the asterisk appears. Example: *Insurance Snoopers, Inc. is a trademark of Insurance Snoopers, Inc.

4.2 Impermissible Use.

(a) One of the conditions for all uses is that you cannot alter the marks.

(i) Don’t remove, distort, or alter any element of an Insurance Snoopers, Inc. Distinctive Feature.

(ii) That includes modifying an Insurance Snoopers, Inc. trademark, for example, through hyphenation, combination or abbreviation, such as: ISI sites.

(iii) Do not shorten, abbreviate, or create acronyms out of Insurance Snoopers, Inc. trademarks.

(b) Don’t display an Insurance Snoopers, Inc. Distinctive Feature as the most prominent element on your web page.

(c) Don’t display an Insurance Snoopers, Inc. Distinctive Feature in any manner that implies a relationship or affiliation with, sponsorship, or endorsement by Insurance Snoopers, Inc., or that can be reasonably interpreted to suggest editorial content has been authored by, or represents the views or opinions of Insurance Snoopers, Inc. or Insurance Snoopers, Inc. personnel.

(d) Don’t display an Insurance Snoopers, Inc. Distinctive Feature on any web-based services that contains or displays adult content, promotes gambling, involves the sale of tobacco or alcohol to persons less than twenty-one years of age, or otherwise violates applicable law.

(e) Don’t display an Insurance Snoopers, Inc. Distinctive Feature in a manner that is in Insurance Snoopers, Inc. sole opinion misleading, unfair, defamatory, infringing, libelous, disparaging, obscene or otherwise objectionable to Insurance Snoopers, Inc.

(f) Don’t display an Insurance Snoopers, Inc. Distinctive Feature on a web-based services that violates any law or regulation.

(g) Don’t frame or mirror any Insurance Snoopers, Inc. page (including the page that appears in response to a click on the Insurance Snoopers, Inc. logo or Insurance Snoopers, Inc. link to any of its Services).

(h) Don’t incorporate Insurance Snoopers, Inc. Distinctive Features into your own product name, service names, trademarks, logos, or company names.

(i) Don’t copy or imitate Insurance Snoopers, Inc. appearance, including the look and feel of Insurance Snoopers, Inc. web design properties or Insurance Snoopers, Inc. distinctive packaging, distinctive color combinations, typography, graphic designs, product icons, or imagery associated with Insurance Snoopers, Inc.

(j) Don’t adopt marks, logos, slogans, or designs that are confusingly similar to Insurance Snoopers, Inc. Distinctive Features.

(k) Don’t register Insurance Snoopers, Inc. trademarks as second-level domain names.

(l) Don’t use Insurance Snoopers, Inc. trademarks in a way that suggests a common, descriptive, or generic meaning.

(m) Trademark rights vary from country to country. Some countries have severe criminal and civil penalties for improper use of the registration symbol. Therefore, do not use the registration symbol (®) in countries where the mark has not been registered.

5. Insurance Snoopers, Inc. Trademarks

5.1 The following are some of the trademarks owned by Insurance Snoopers, Inc. and the suggested generic terms for those trademarks.

(a) Insurance Snoopers, Inc. web-based services creator

(b) Insurance Snoopers, Inc. business directory

(c) Insurance Snoopers, Inc. hosting services

(d) Insurance Snoopers, Inc. promotional videos

6. Permissions

6.1 When Do I Need Permission to Use Insurance Snoopers, Inc. Distinctive Features?

(a) We are very careful about how our trademarks, logos, web pages, screenshots or other distinctive features, are used. We never permit any of our Distinctive Features to be altered, edited or misrepresented.

(b) All of our trademarks, logos, web pages, screen shots and other distinctive features (“Insurance Snoopers, Inc. Distinctive Features”) are protected by applicable trademark, copyright and other intellectual property laws. If you would like to use any of Insurance Snoopers, Inc. Distinctive Features on your web-based services, in an ad, in an article or book, or reproduce them anywhere else, you may need to first receive permission from Insurance Snoopers, Inc. We have tried to make this process as painless as possible.

(c) Instructive/illustrative screenshots:

(i) The one instance when you do not need to ask our permission is when you want to use a standard, unaltered Insurance Snoopers, Inc. screenshot in a print (book, magazine, journal, newspaper) or electronic (web page, DVD, CD) format for an instructive or illustrative purpose. This must be an unaltered (meaning there are no graphics, photos, or advertising copy superimposed on the screenshot you plan to use, nor have you changed the look of the image in any way) image from most of our services (see special cases below). Examples of instructive or illustrative purposes are using a screenshot of an Insurance Snoopers, Inc. web-based services to show where the sponsored links are located or using a screenshot of an Insurance Snoopers, Inc. business directory page to illustrate how businesses are listed in that directory.

(ii) If you have any concern that your intended use is not allowed, please contact us by filling out the Permission Request Form after you have read the Rules for Third Party Use (the “Rules”).

(d) All other uses:

(i) So now, if you have determined that you need to apply for permission to use Insurance Snoopers, Inc. Distinctive Features, please review the Rules, which provide an overview of the process and set forth certain things you cannot do.

Trademark Complaint Procedure 1. General Policy

1.1 Insurance Snoopers, Inc. may provide space for advertisements from third-party advertisers on web-based services hosted by Insurance Snoopers, Inc. We also provide a business directory, Insurance Snoopers, Inc. Directory™, which lists many of the businesses, which have created web-based services at Insurance Snoopers, Inc.

1.2 As a courtesy to trademark owners, Insurance Snoopers, Inc. is willing to investigate reasonable complaints of trademark violations submitted in accordance with instructions below.

1.3 If you have concerns about the use of your trademark within a web-based services created by a business using Insurance Snoopers, Inc. software, or that is listed in the Insurance Snoopers, Inc. Directory™, please contact the business directly that has created that web-based services and that you believe is violating your trademark rights.

1.4 If you have concerns about the use of your trademark in a domain name that is hosted by Insurance Snoopers, Inc., or that is featured in Insurance Snoopers, Inc. Directory™, please contact that business directly that you believe is violating your trademark rights. If you have concerns about business products created by users of Insurance Snoopers, Inc., or listed in Insurance Snoopers, Inc. Directory™, please contact that business directly that you believe is violating your trademark rights.

1.5 If you have concerns about the use of your trademark in our advertiser’s ads, please contact the third party advertiser directly, like Google or Yahoo, or contact the advertiser himself or herself, like John Doe Cleaning Service.

1.6 As a provider of space for advertisements, please note that Insurance Snoopers, Inc. is not in a position to arbitrate trademark disputes between the advertisers and trademark owners.

(a) The advertisers themselves are responsible for the keywords and ad content that they choose to use in their advertisements with third-party advertisers.

(b) Accordingly, we encourage trademark owners to resolve their disputes directly with the advertisers, particularly because the advertisers may have similar advertisements on other web-based services.

(c) In addition, some third-party advertisers may as a courtesy investigate trademark violation claims.

1.7 As a courtesy to trademark owners, Insurance Snoopers, Inc., too, is willing to perform a limited investigation of reasonable complaints.

1.8 Additionally, please note that our complaint procedure regarding the use of a trademark may differ depending on the country in which trademark rights exist.

2. Submitting Complaint 2.1 Trademark owners may submit a complaint by providing the following information:

  • (a) Information about yourself:
    • (i) Your name
    • (ii) Your title
    • (iii) Company name
    • (iv) Your relationship to trademark owner
    • (v) Address
    • (vi) Email
    • (vii) Phone number
  • (b) Information about trademark owner (if not yourself):
    • (i) Trademark owner name
    • (ii) Address
    • (iii) Email
    • (iv) Phone number
  • (c) Trademark details required for trademarks at issue:
    • (i) Trademark
    • (ii) Country
    • (iii) Word and design
    • (iv) Registration status: registered, pending, use rights
    • (v) Registration or application number
    • (vi) Advertisers involved
    • (vii) The exact URLs in question
  • (d) Statements of good faith that should be added to your letter of complaint:
    • (i) 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 insurance company, insurance agent, independent broker and/or insurance producer, nor is such use otherwise permissible under law.
    • (ii) I represent that the information in this notification is true and correct and that I am authorized to act on behalf of the trademark owner.
  • (e) Sign the paper, and send the written communication by the following method:

Mail to: Insurance Snoopers, Inc., Attn: Legal Support, Insurance Snoopers, Inc. DMCA Complaints, 2400 North Lincoln Avenue, Altadena, CA 91001.

The use of this web-based services is also subject to the following terms of use:

  • The content of the pages of this web-based services is for your general information and use only. It is subject to change without notice.
  • Neither any third parties nor we provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials either found or offered on this web-based services for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this web-based services is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this web-based services meet your specific requirements.
  • This web-based services contains material, which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • Unauthorized use of this web-based services may give rise to a claim for damages and/or be a criminal offence.
  • From time to time this web-based services may also include links to other web-based services. These links are provided for your convenience to provide further information. They do not signify that we endorse the web-based services(s). We have no responsibility for the content of the linked web-based services(s).
  • Please note we are not associated with Companies mentioned on the site and that we acknowledge that products, company names and logos mentioned on this site are trademarks of their respected owners. The Insurance Snoopers, Inc. web-based services is a resource containing details and price comparison information for Insurance Snoopers, Inc.

Terms and Conditions – Part 2

If in the event that the Term and Conditions–Part 1 does not apply to the subject query, and/or dispute, then the following Terms and Conditions–Part 2 must apply:

Please read this Terms of Service agreement (the “Agreement”) carefully. Your use of the Site (as defined below) constitutes your agreement to be bound by this Agreement.

This Agreement is between user/viewer (“you”) and Insurance Snoopers, Inc. (“ISI,” “Company,” “we,” “us”) concerning your use of the web-based services owned and controlled by us from which you are accessing this Agreement (together with any successor site(s), and all Site Services and Site Content, the “Site”).

1. Acceptance of Terms. By using the Site, you agree to the terms of this Agreement and to any additional rules and guidelines that we post on the Site. We may make changes to this Agreement from time to time; we may notify you of such changes by any reasonable means, including by posting the revised version of this Agreement on the Site. You can determine when we last changed this Agreement by referring to the “LAST UPDATED” legend above. Your use of the Site following changes to this Agreement will constitute your acceptance of those changes; provided, however, absent your express consent, any material change to this Agreement shall not apply retroactively to any claim or dispute between you and us in connection with this Agreement that arose prior to the “LAST UPDATED” date applicable to that version of this Agreement in which we included such material change. We may, at any time, modify or discontinue all or part of the Site; charge, modify or waive fees required to use the Site; or offer opportunities to some or all Site users.

2. Jurisdictional Issues. The Site is controlled and/or operated from the United States, and is not intended to subject us to non-U.S. jurisdiction or laws, except as otherwise expressly stated in this Agreement. The Site may not be appropriate or available for use in some jurisdictions outside of the United States. In choosing to access the Site, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations, including any export controls, embargoes or other rules and regulations restricting exports. We may limit the Site’s availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.

3. Information Submitted Through the Site. Your submission of information through the Site is governed by our Privacy Policy, which is located at 2400 North Lincoln Avenue, Altadena, CA 91001 (the “Privacy Policy”), and which is hereby incorporated into this Agreement by this reference. You represent and warrant that any information you provide in connection with your use of the Site is and shall remain true, accurate, and complete, and that you will maintain and update such information regularly. You agree that if any information you provide is false, inaccurate, obsolete or incomplete, we may terminate your use of the Site.

4. Site Services and Content. The Site provides you with access to certain services, such as referrals to products, services and suppliers that may be of interest to you (the “Site Services”), and to certain content provided by us or by third parties, such as news and information regarding such products, services and suppliers in various industries (the “Site Content”). In addition to the other terms and conditions of this Agreement, please carefully note the following regarding our services and content:

a. Services. We may provide Site users with the opportunity to submit requests for information on a wide variety of products and services offered by certain service providers (each such service provider, a “Service Provider”; each such request, a “Request”). We cannot and do not guarantee that these Service Providers will provide information for every Request received or that the Service Providers who do respond to your Request can in fact meet all of your requirements. We may reject any Request and/or elect not to forward a Request to participating Service Providers, for any reason or no reason. In submitting a Request to us, you agree to allow us to refer all of the information that you provide in connection with your Request to third parties, including any Service Providers. If any Service Provider(s) wish to provide information to you in connection with your Request, you will be contacted regarding the offerings and related pricing. We request that the Service Providers make contact with you via the preferred medium that you have listed (e.g., phone or email); however, this does not preclude such Service Providers from contacting you by any other means that they deem appropriate. In working with Service Providers, we seek to work with companies that are reputable and professional; however, we strongly recommend that you perform your own due diligence on each potential Service Provider prior to selecting and/or entering into any type of agreement or other arrangement with any particular Service Provider. In addition, once we refer your request to the Service Providers in the Service Provider network, we have no further involvement in any transactions that occur between you and the Service Provider(s). We are not responsible or liable for ANY Service Provider’s acts or omissions (including, WITHOUT LIMITATION, WITH RESPECT TO any insurance programs, insurance products, insurance services, insurance quotes OR SERVICES THAT ANY SUCH SERVICE PROVIDER may provide), for SUCH SERVICE PROVIDER’S contacting or failure to contact you, FOR SUCH SERVICE PROVIDER’S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY SERVICE PROVIDER.

b. Content. The Site may include Site Content. We provide any such Site Content solely for your convenience, and such Site Content (i) is not intended as a substitute for professional advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any decision or action, including without limitation the suitable amount of insurance protection, the eligibility for or appropriateness of any benefit or service, or the making of a financial decision. We are not responsible for the accuracy or reliability of any Site Content. Site Content is not exhaustive and should not be considered complete or up-to-date. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any Site Content available through the Site. The relationship between you and us is not a professional or similar relationship; always seek the advice of a qualified professional with respect to any questions that you may have, and never disregard professional advice or delay in seeking it because of something that you have read on the Site. We neither recommend nor endorse any specific products, opinions, or other Site Content that may be made available through or mentioned on the Site.

Site Content may be provided by our affiliates or assigns as well as by third parties. Please note that third parties may post messages, provide materials or make statements that are inaccurate, misleading or deceptive. We, our affiliates, assigns and our and their employees, officers, directors, agents, representatives, licensors, suppliers and service providers (collectively with us, the “Company Entities”) do not endorse and are not responsible or liable for any Site Content, or any opinion, advice, information or statements in such Site Content, or your use of any Site Content. Under no circumstances will the Company Entities be liable for any loss or damage caused by your reliance on Site Content or for any results obtained by using any such Site Content. The opinions expressed in the Company Entities reflect solely the opinions of the individuals who submitted such opinions, and may not reflect our opinions. YOUR USE OF THE SITE AND Reliance on any SITE CONTENT is solely at your own risk.

5. Rules of Conduct. While accessing and using the Site you will comply with all applicable laws, rules and regulations. In addition, we expect users of the Site to respect the rights and dignity of others. Your use of the Site is conditioned on your compliance with the rules of conduct set forth in this section; your failure to comply with such rules may result in termination of your access to the Site pursuant to Section 15 below. You agree that you will not:

  • Post, transmit, or otherwise make available, through or in connection with the Site:
  • Anything that is or may be (a) threatening, harassing, degrading, hateful or intimidating; (b) defamatory; (c) fraudulent or tortious; (d) obscene, indecent, pornographic or otherwise objectionable; or (e) protected by copyright, trademark, trade secret, right of publicity or other proprietary right without the express prior consent of the owner of such right.
  • Any material that would give rise to criminal or civil liability; that promotes gambling; that encourages conduct that constitutes a criminal offense; or that encourages or provides instructional information about illegal activities or activities such as “hacking,” “cracking,” or “phreaking.”
  • Any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file, or program that is harmful or invasive or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment.
  • Any unsolicited or unauthorized advertising, promotional material, “junk mail,” “spam,” “chain letter,” “pyramid scheme” or investment opportunity, or any other form of solicitation.
  • Any material, non-public information about a company without the proper authorization to do so.
  • Use the Site for any fraudulent or unlawful purpose.
  • Use the Site to defame abuse, harass, stalk, threaten or otherwise violate the legal rights of others, including without limitation others’ privacy rights or rights of publicity, or harvest or collect personally identifiable information about other users of the Site.
  • Impersonate any person or entity, including without limitation any of our (or our affiliates) representatives; falsely state or otherwise misrepresent your affiliation with any person or entity; or express or imply that we endorse any statement or posting you make.
  • Interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available; or violate any requirements, procedures, policies or regulations of such networks.
  • Restrict or inhibit any other person from using the Site (including without limitation by hacking or defacing any portion of the Site).
  • Use the Site to advertise or offer to sell or buy any goods or services without our express prior written consent.
  • Reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Site.
  • Except as expressly permitted by applicable law, modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site.
  • Remove any copyright, trademark or other proprietary rights notice from the Site or materials originating from the Site.
  • Frame or mirror any part of the Site without our express prior written consent.
  • Create a database by systematically downloading and storing all or any Site content.
  • Use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather Site content or reproduce or circumvent the navigational structure or presentation of the Site without our express prior written consent. Notwithstanding the immediately foregoing sentence (but subject to the other items listed above), we grant the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of such materials, but not caches or archives of such materials. We reserve the right to revoke these exceptions, either generally or in specific cases, at any time.

Additionally, you acknowledge and agree that you (and not Company) are responsible for obtaining and maintaining all telecommunications, broadband, and computer hardware, equipment, and services needed to access and use the Site, and paying all charges related thereto.

6. Registration; User Names and Passwords. You may be required to register with us in order to access certain services or areas of the Site. With respect to any such registration, we may refuse to grant you, and you may not use, a user name (or e-mail address) that personally identifies you; that violates the intellectual property or other rights of any person; that is offensive; or that we reject for any other reason in our sole discretion.

Your user name and password are for your personal use only, and not for use by any other person. You are responsible for maintaining the confidentiality of any password you may use to access the Site, and agree not to transfer your password or user name, or lend or otherwise transfer your use of or access to the Site, to any third party. You are fully responsible for all interaction with the Site that occurs in connection with your password or user name. You agree to immediately notify us of any unauthorized use of your password or user name or any other breach of security related to your account or the Site, and to ensure that you “log off”/exit from your account with the Site (if applicable) at the end of each session. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.

7. Submissions. For purposes of clarity, you retain ownership of any information, content and/or materials that you submit through the Site (each, a “Submission”). Please note, however, that we need certain rights to your Submissions to be able to make them available on the Site. Accordingly, you hereby grant to the Company Entities a worldwide, non-exclusive, transferable, sublicenseable (through multiple tiers), royalty-free, perpetual, irrevocable right and license, without compensation to you: to use, reproduce, distribute, adapt (including without limitation edit, modify, translate, and reformat), create derivative works of, transmit, publicly display, publicly perform and otherwise exploit such Submission, in any media now known or hereafter developed. For each Submission, you represent and warrant that you have all rights necessary for you to grant the licenses granted in this section, and that such Submission, and your provision thereof to and through the Site, comply with all applicable laws, rules and regulations. Further, to the extent permitted under applicable law, you irrevocably waive any “moral rights” or other rights with respect to attribution of authorship or integrity of materials regarding each Submission that you may have under any applicable law under any legal theory. We request this waiver to help ensure that we have all the rights we may need to provide the Services available through the Site. In addition, the Company Entities have no control over, and shall have no liability for, any damages resulting from the use (including without limitation republication) or misuse by any third party of information voluntarily made public through any other part of the Site. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A SUBMISSION, YOU DO SO AT YOUR OWN RISK.

8. Monitoring. You acknowledge and agree that we reserve the right (but have no obligation) to do any or all of the following, at our sole discretion: (a) monitor, evaluate or alter Submissions before or after they appear on the Site (including, without limitation, through the use of automated filtering software); (b) seek to verify that all rights, consents, releases and permissions in or relating to such Submission have been obtained by you in accordance with your representations above; and (c) refuse, reject or remove any Submission at any time or for any reason (including, without limitation, through the use of automated filtering software or if we determine, in our sole discretion, that all rights, consents, releases and permissions have not been obtained by you despite your representations above). You agree to cooperate with us in our verification or inquiries related to the foregoing. We may disclose any Submissions and the circumstances surrounding their transmission to anyone for any reason or purpose, and in accordance with our Privacy Policy. If you become aware of any unlawful, offensive or objectionable material(s) on the Site (except for material that infringes copyright, which is addressed in Section 19 below), contact us at info@isnoopers.com with your name and address, a description of the material(s) at issue and the URL or location of such materials.

9. Proprietary Rights. The information and materials made available through the Site are and shall remain the property of Company and its licensors and suppliers, and are protected by copyright, trademark, patent, and/or other proprietary rights and laws. Subject to your compliance with this Agreement, and solely for so long as you are permitted by us to access and use the Site, you may view one (1) copy of any content on the Site to which we provide you access hereunder on any single computer solely for your personal, non-commercial home use, provided that you keep intact all copyright and other proprietary notices. Except as expressly authorized in advance by us in writing, you agree not to reproduce, modify, rent, lease, loan, sell, distribute, or create derivative works based (whether in whole or in part) on, all or any part of the Site or any materials made available through the Site.

Company owns all trademarks and service marks, and any associated logos of Company. All trademarks and service marks on the Site not owned by us are the property of their respective owners. The trade names, trademarks and service marks owned by Company, whether registered or unregistered, may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion. Nothing contained on the Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade names, trademarks or service marks without the express prior written consent of the owner of such trade names, trademarks or service marks.

10. Purchases. We may make available products and services for purchase through the Site, and we may use third-party suppliers and service providers to enable e-commerce functionality on our Site. If you wish to purchase any product or service made available by us through the Site (each such purchase, a “Transaction”), you may be asked to supply certain information relevant to your Transaction, including without limitation your credit card number, the expiration date of your credit card, your billing address, and your shipping information. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE ANY CREDIT CARD(S) UTILIZED IN CONNECTION WITH ANY TRANSACTION. By submitting such information, you grant to Company the right to provide such information to third parties for purposes of facilitating the completion of Transactions initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any Transaction.

All descriptions, images, references, features, content, specifications, products and prices of products and services described or depicted on this Site, are subject to change at any time without notice. Company reserves the right, with or without prior notice, to limit the available quantity of or discontinue any product or service; to honor, or impose conditions on the honoring of, any coupon, coupon code, promotional code or other similar promotions; to bar any user from making any or all Transaction(s); and/or to refuse to provide any user with any product or service. You agree to pay all charges that may be incurred by you or on your behalf through the Site, at the price(s) in effect when such charges are incurred, including without limitation all shipping and handling charges. In addition, you remain responsible for any taxes that may be applicable to your Transactions.

11. Links. The Site may provide links to other web-based services and online resources. Because we have no control over such sites and resources, you acknowledge and agree that the Company Entities are not responsible for the availability of such external sites or resources, and the Company Entities neither endorse nor are responsible or liable for any content, advertising, products or other materials on or available through such sites or resources. Other web-based services may provide links to the Site with or without our authorization. You acknowledge and agree that the Company Entities do not endorse such sites, and are not and shall not be responsible or liable for any links from those sites to the Site, any content, advertising, products or other materials available on or through such other sites, or any loss or damages incurred in connection therewith.

YOU AGREE THAT YOUR USE OF THIRD PARTY WEB-BASED SERVICES AND RESOURCES, INCLUDING WITHOUT LIMITATION, YOUR USE OF ANY CONTENT, INFORMATION, DATA, ADVERTISING, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE THROUGH SUCH WEB-BASED SERVICES AND RESOURCES, IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND CONDITIONS OF USE APPLICABLE TO SUCH SITES AND RESOURCES.

We shall have the right, but not the obligation, at any time and in our sole discretion, to block links from and to the Site through technological or other means without prior notice.

12. Promotions. In addition to the terms and conditions of this Agreement, any contests, sweepstakes, surveys, games or similar promotions (collectively, “Promotions”) made available through the Site may be governed by specific rules that are separate from this Agreement. By participating in any such Promotion, you will become subject to those rules, which may vary from the terms and conditions set forth herein. We urge you to review any specific rules applicable to a particular Promotion, which will be linked from such Promotion, and to review our Privacy Policy which, in addition to this Agreement, governs any information you submit in connection with such activities. To the extent that the terms and conditions of such rules conflict with this Agreement, the terms and conditions of such rules shall control.

13. DISCLAIMERS; LIMITATION OF LIABILITY. THE SITE AND ANY GOODS, SERVICES. CONTENT, INFORMATION AND MATERIALS MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SITE ARE PROVIDED TO YOU “AS IS” WITHOUT ANY EXPRESS REPRESENTATIONS OR WARRANTIES OF ANY KIND, AND EACH OF THE COMPANY ENTITIES DISCLAIMS ALL STATUTORY OR IMPLIED REPRESENTATIONS, WARRANTIES, TERMS AND CONDITIONS WITH RESPECT TO THE SITE AND ALL GOODS, SERVICES, CONTENT, INFORMATION AND MATERIALS (INCLUDING WITHOUT LIMITATION, THIRD PARTY GOODS, SERVICES, CONTENT, INFORMATION AND MATERIALS) MADE AVAILABLE THROUGH THE SITE, INCLUDING ANY REPRESENTATIONS OR WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE. WE AND THE OTHER COMPANY ENTITIES MAKE NO REPRESENTATION OR WARRANTY THAT THE SITE (OR ANY PART THEREOF) IS OR WILL BE ACCURATE, COMPLETE OR ERROR-FREE, NOR THAT ANY PARTICULAR SOFTWARE OR HARDWARE WILL BE COMPATIBLE WITH THE SITE. YOU HEREBY AGREE THAT IT IS YOUR SOLE RESPONSIBILITY TO (A) OBTAIN AND PAY FOR ANY SOFTWARE, HARDWARE OR SERVICES (INCLUDING INTERNET CONNECTIVITY) NEEDED TO USE THE SITE AND (B) ENSURE THAT ANY SOFTWARE, HARDWARE OR SERVICES THAT YOU USE WILL FUNCTION CORRECTLY WITH THE SITE. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SITE, INCLUDING WITHOUT LIMITATION, ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY MATERIALS AVAILABLE THROUGH THE SITE.

NONE OF THE COMPANY ENTITIES SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND in connection with the site, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OR INTERRUPTION OF BUSINESS, LOSS OF USE, LOSS OF DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SITE, OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. IN PARTICULAR, AND WITHOUT LIMITATION, THE COMPANY ENTITIES WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR FROM ANY CONTENT POSTED ON THE SITE BY ANY OF THE COMPANY ENTITIES OR BY ANY THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING THE SITE. THE MAXIMUM LIABILITY OF THE COMPANY ENTITIES FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO US TO ACCESS AND USE THE SITE.

IT IS POSSIBLE THAT APPLICABLE LAW MAY NOT ALLOW FOR LIMITATIONS ON CERTAIN IMPLIED WARRANTIES OR EXCLUSIONS OR LIMITATIONS OF CERTAIN DAMAGES; SOLELY TO THE EXTENT THAT SUCH LAW APPLIES TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

While we try to maintain the security of the Site, we do not guarantee that the Site will be secure or that any use of the Site will be uninterrupted. Additionally, third parties may make unauthorized alterations to the Site. If you become aware of any unauthorized third party alteration to the Site, contact us at info@isnoopers.com with a description of the material(s) at issue and the URL or location of such material(s).

14. Indemnity. Except to the extent prohibited under applicable law, You agree to defend, indemnify and hold harmless the Company Entities, from and against all claims, losses, costs and expenses (including attorney’s fees) arising out of (a) your use of, or activities in connection with, the Site; (b) any violation or alleged violation of this Agreement by you; (c) any use or other exploitation, or failure or omission to use or otherwise exploit, any Submission (including any portion thereof) that you post; or (d) any claim that your Submission or any use or exploitation thereof caused damage to or infringed upon or violated the rights of a third party, including without limitation past, present or future infringement, misappropriation, libel, defamation, invasion of privacy or right of publicity or violation of rights related to the foregoing.

15. Termination. This Agreement is effective until terminated. This Agreement is effective until terminated. We may, at any time and for any reason, terminate your access to or use of: (a) the Site, (b) your user name and password or (c) any files or information associated with your user name and password. Upon any such termination, your right to use the Site will immediately cease. You agree that any termination of your access to or use of the Site may be effected without prior notice, and that we may immediately deactivate or delete your password and user name, and all related information and files associated with it, and/or bar any further access to such information or files. You agree that the Company Entities shall not be liable to you or any third party for any termination of your access to the Site or to any such information or files, and shall not be required to make such information or files available to you after any such termination. Sections 2, 4(a), 4(b), 7-9, 11, 13-16 and 19-21 shall survive any expiration or termination of this Agreement.

16. Governing Law; Jurisdiction. This Agreement is governed by and shall be construed in accordance with the laws of the State of California, U.S.A., without regard to its principles of conflicts of law. You agree to exclusive jurisdiction of the federal and state courts located in Los Angeles County, California, U.S.A., and waive any jurisdictional, venue or inconvenient forum objections to such courts. You further agree that the United Nations Convention on the International Sale of Goods will not apply to this Agreement.

17. Filtering. We hereby notify you that parental control protections (such as computer hardware, software or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections is available on the two web-based services GetNetWise (http://kids.getnetwise.org/) and OnGuard Online (http://onguardonline.gov/). Please note that we do not endorse any of the products or services listed at such sites.

18. Information or Complaints. If you have a question or complaint regarding the Site or the meaning of application of this Agreement, please send an email to info@isnoopers.com. You may also contact us by writing to 2400 North Lincoln Avenue, Altadena, CA 91001. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. Please note that email communications will not necessarily be secure; accordingly, you should not include information that you consider to be sensitive in your email correspondence with us.

19. Claims of Copyright Infringement. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials available on the Site infringe your copyright, you (or your agent) may send us a notice requesting that we remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices should be sent to:

Attn: Copyright Agent 
950 Tower Lane, 6th Fl., 
Foster City, CA 94404 
E-mail: copyrightagent@quinstreet.com 
Phone: (650) 578-7700Fax: 
(650) 350-1423

We suggest that you consult your legal advisor before submitting a notice or counter-notice.

20. Ability to Enter Into This Agreement. BY USING THE SITE, YOU REPRESENT AND WARRANT THAT YOU ARE EITHER: (A) OF LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT; OR (B) THE PARENT OR LEGAL GUARDIAN OF A CHILD UNDER THE LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THIS AGREEMENT ON BEHALF OF YOUR CHILD. If you are the parent or legal guardian of a child under the legal age to enter into this Agreement, then, as used in this Agreement, “you,” “yourself,” “your,” and “user” means and refers to you on behalf of yourself and your child who is the user of the Site.

21. Miscellaneous. This Agreement does not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and us. If any provision of this Agreement is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any remaining provision. You may not assign, transfer or sublicense any or all of your rights or obligations under this Agreement without our express prior written consent. We may assign, transfer or sublicense any or all of our rights or obligations under this Agreement without restriction. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof. This Agreement hereby incorporates by this reference any additional terms that we post on the Site and, except as otherwise expressly stated herein, this Agreement is the entire agreement between you and us relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and us relating to such subject matter. Notices to you may be made via posting to the Site, by e-mail, or by regular mail, in our discretion. The Site may also provide notices of changes to this Agreement or other matters by displaying such notices or by providing links to such notices. Without limitation, you agree that a printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. We will not be responsible for failures to fulfill any obligations due to causes beyond our control.

Affiliate Disclaimer

Insurance Snoopers, Inc. is a web-based services created so you can get the basic information about insurance protection. All information presented on this site are not based upon ISI’s own research and findings, as most of the information exhibited are derived from third-party entities. ISI is not responsible for errors and omissions of any affiliate company. Furthermore, there is no compulsion for the user/viewer to go with the information offered by an affiliate or ISI.

Business Insurance Information Disclaimer

This is a web service that provides information only and is not an insurance policy. It is not an offer of insurance. This information provided contains some data about coverage, but it does not list all of the conditions and exclusions that apply to any described coverage. The actual wording of a policy governs all situations. This information is only available to person’s resident in the State of California. The services described are subject to change without notice at any time.

Additional Legal Disclaimers and Terms

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify, endorse, or supplement any insurance policy. Consult the actual policy or your insurance company, insurance agent, independent broker and/or insurance producer for details regarding terms, conditions, coverage, exclusions, products, services, and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This web-based services do not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Terms

The following Terms and Conditions also apply to the use of this web-based services as well as all transactions conducted through the site.

Legal Notice

All notices from Insurance Snoopers, Inc. to You may be posted on our web-based services and will be deemed delivered within thirty (30) days after posting. Notices from You to Insurance Snoopers, Inc. shall be made either by e-mail, sent to the address we provide on our Web-based services, or first class mail to our address at:

2400 North Lincoln Avenue 
Altadena, California 91001

Delivery shall be deemed to have been made by you to Insurance Snoopers, Inc. five (5) days after the date sent.

Copyright 
All ISI service content appearing on this Web-based services is the property of:

Insurance Snoopers, Inc. 
2400 North Lincoln Avenue 
Altadena, California 91001

Copyright © 2014-2018 Insurance Snoopers, Inc. All rights reserved. As a user, you are authorized only to view, copy, print, and distribute documents on this web-based services so long as (1) the document is used for informational purposes only, and (2) any copy of the document (or portion thereof) includes the following copyright notice: Copyright © 2014-2018 Insurance Snoopers, Inc. All rights reserved.

Trademarks

All brand, product, service, and process names appearing on this web-based services are trademarks of their respective holders. Reference to or use of a product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that product, service, or process by Insurance Snoopers, Inc. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of Insurance Snoopers, Inc. or any third party, except as expressly granted herein.

Use of Site

This site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this site may contain technical inaccuracies or typographical errors. Information, including product pricing and availability, may be changed or updated without notice. Insurance Snoopers, Inc. and its subsidiaries reserve the right to refuse service, terminate accounts, and/or cancel orders in its discretion, including, without limitation, if Insurance Snoopers, Inc. believes that customer conduct violates applicable law or is harmful to the interests of Insurance Snoopers, Inc. and its subsidiaries.

Privacy Policy

Insurance Snoopers, Inc. use of personal information that you may submit to Insurance Snoopers, Inc. through this web-based services are governed by the Insurance Snoopers, Inc. Privacy Policy.

Warranties

The Content included in this web-based services has been compiled from a variety of sources and is subject to change without notice as are any products, programs, offerings, or technical information described in this Web-based services. Insurance Snoopers, Inc. makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the web-based services or Content, or the suitability, functionality, or operation of this web-based services or its Content. By using this web-based services, you assume the risk that the Content on this web-based services may be inaccurate, incomplete, offensive, or may not meet your needs and requirements. Insurance Snoopers, Inc. SPECIFICALLY DISCLAIMS ALL WARRANTIES, EXPRESS, OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT WITH RESPECT TO THESE WEB PAGES AND CONTENT. IN NO EVENT WILL INSURANCE SNOOPERS, INC., BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

— OR Depending on State —

The information and content on this server is provided “as is” with no warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Any warranty that is provided in connection with any of the products and services described on this web-based services is provided by the advertiser or manufacturer only, and not by Insurance Snoopers, Inc.

The references and descriptions of products or services within the web-based services materials are provided “as is” without any warranty of any kind, either express or implied. Insurance Snoopers, Inc. is not liable for any damages, including any consequential damages, of any kind that may result to the user from the use of the materials on this Web-based services or of any of the products or services described hereon.

The descriptions of, and references to, products, services and companies on this web-based services are the sole responsibility of the companies providing the information (“advertisers”), and not Insurance Snoopers, Inc.

The inclusion of material on this server does not imply any endorsement by Insurance Snoopers, Inc., which makes no warranty of any kind with respect to the subject matter of the server materials advertised.

A possibility exists that the server materials could include inaccuracies or errors. Additionally, a possibility exists that unauthorized additions, deletions, and alterations could be made by third parties to the server materials. Although Insurance Snoopers, Inc. tries to ensure the integrity and the accurateness of the server materials, it makes no guarantees about their correctness or accuracy. Before relying on any representation made in any of the server materials, check with the advertiser of the product or service to ensure that the information you are relying upon is correct.

Miscellaneous

VOID WHERE PROHIBITED:

Although the information on this web-based services is accessible worldwide, not all products or services discussed in this web-based services are available to all persons or in all geographic locations or jurisdictions. Insurance Snoopers, Inc. and the advertisers each reserve the right to limit the provision of their products or services to any person, geographic area, or jurisdiction they so desire and to limit the quantities of any products or services that they provide. Any offer for any product or service made in the materials on this Web-based services is void where prohibited.

GOVERNING LAW: In the event of Arbitration, both parties agree that the Law of the State of business registration of Insurance Snoopers, Inc. shall apply and both parties shall consent to the jurisdiction of said State’s courts, or in the event of diversity of citizenship, the United States District Court for the (District). Both parties expressly waive a trial by court or jury, and all disputes will be resolve through Arbitration, in which the rules and law are described herein this agreement.

MISCELLANEOUS: The Terms and Conditions constitute the entire agreement between you and Insurance Snoopers, Inc. with respect to this web-based services. The Terms and Conditions supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and Insurance Snoopers, Inc. with respect to this Web-based services. No modification of the Terms and Conditions shall be effective unless it is authorized by Insurance Snoopers, Inc. If any provision of the Terms and Conditions is found to be contrary to law, then such provision(s) shall be constructed in a manner to closely reflect, as much as possible, the intentions of the parties, with the other provisions remaining in full force and effect.

I agree that I am responsible for the choices I make based on my review of the material provided in this web-based services. I agree that ISI is not responsible to me for any of the choices I make after reviewing the information provided by this web-based services.

I agree to indemnify and hold harmless ISI and its shareholders and employees as against any claims for damage in any way related to my observation, participation, or insurance coverage selected based on my review of the information provided by this web-based services. Copyright © 2014-2018 Insurance Snoopers, Inc.

Public Disclosure and Disclaimer

Public Disclosure – from the California Department of Insurance

In the State of California, laws exist to ensure that government is open and that the public has a right to access appropriate records and information possessed by state government. At the same time, there are exceptions to the public’s right to access public records. These exceptions serve various needs including maintaining the privacy of individuals. Both state and federal laws provide exceptions.

All information collected at the California Department of Insurance web-based services becomes public record that may be subject to inspection and copying by the public, unless an exemption in law exists. In the event of a conflict between the Privacy Notice and the Public Records Act, the Information Practices Act or other law governing the disclosure of records, the Public Records Act, the Information Practices Act or other applicable law will control.

I agree that I am responsible for the choices I make based on my review of the material provided in this web-based services. I agree that ISI is not responsible to me for any of the choices I make after reviewing the information provided by this web-based services.

I agree to indemnify and hold harmless ISI and its shareholders and employees as against any claims for damage in any way related to my observation, participation, or insurance coverage selected based on my review of the information provided by this web-based services.

I AGREE TO AND ACCEPT THE ABOVE TERMS AND CONDITIONS FOR MY ACCESS TO THE ISI WEB-BASED SERVICES _________

I Agree & Continue I Disagree