Terms of Use

Home
Terms of Use

1. ACCEPTANCE OF TERMS

Safety Net Insurance & Financial Services, the publisher of Insurance Market & News (www.insurancemarketandnews.com), provides a collection of online resources and services, including news, articles, eBooks, press releases, web design, email news subscriptions, content creation, classified ads, forums, catalogs, consumer directories, job boards, event boards, and advertisements, collectively referred to as “the Service.”

Use of the Service is subject to these Terms of Use (“TOU”). By accessing or using the Service in any way, you agree to comply with the TOU. Additionally, when using specific Insurance Market & News services, you agree to adhere to any posted guidelines that may apply, which are subject to change over time. If you object to any term or condition of the TOU, any guidelines, or any subsequent modifications, or if you are dissatisfied with the Service for any reason, your sole remedy is to discontinue use of the Service.

2. MODIFICATIONS TO THIS AGREEMENT

We reserve the right, at our sole discretion, to change, modify or otherwise alter these terms and conditions at any time. Such modifications shall become effective immediately upon the posting thereof. You must review this agreement on a regular basis to keep yourself apprised of any changes.

3. ELIGIBILITY FOR USE

Insurance Market & News reserves some parts of the Service exclusively for professional purchasers, sellers, collectors and resellers of items and accessories who are acceptable to Insurance Market & News in its sole discretion. Although Insurance Market & News attempts to limit the use of these parts of the Service to such purchasers, sellers, collectors and resellers of items and accessories, nothing herein shall create any right of action against Insurance Market & News for failing to adequately screen potential users or prevent the use of Insurance Market & News or the Service by users who are not professional purchasers, sellers, collectors and resellers of items or accessories.

4. CONTENT

You understand that all advertisements, postings, messages, text, files, images, photos, video, sounds, or other materials (“Content”) posted on, transmitted through, or linked from the Service are the sole responsibility of the person from whom such Content originated. More specifically, you are entirely responsible for each individual item of Content that you post, email or otherwise make available via the Service.

Likewise, if you request the assistance of Insurance Market & News to post content, or if you imply consent that Insurance Market & News may post content on your behalf, either by written or oral means, or you fail to inform Insurance Market & News that content should be removed, you are equally responsible for the content. You waive any and all claims against Insurance Market & News of a right of publicity for your image or likeness throughout the world by posting any information or pictures of yourself on Insurance Market & News.

You understand that Insurance Market & News does not control, and is not responsible for personal Content made available through the Service, and that by using the Service, you may be exposed to Content that is offensive, indecent, inaccurate, misleading, or otherwise objectionable. When you post User Content to the Service, you authorize and direct us to make such copies thereof as we deem necessary in order to facilitate the posting and storage of the Content on the Service.

By posting Content to any part of the Service, you automatically grant, and you represent and warrant that you have the right to grant, to the Company an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to use, copy, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part) and distribute such Content for any purpose on or in connection with the Service or the promotion thereof, to prepare derivative works of, or incorporate into other works, such Content, and to grant and authorize sublicenses of the foregoing.

Furthermore, Insurance Market & News and Content available through the Service may contain links to other websites, which are completely independent of Insurance Market & News. Insurance Market & News makes no representation or warranty as to the accuracy, completeness or authenticity of the information contained in any such site. Following links to any other websites is at your own risk.

You agree that you must evaluate, and bear all risks associated with, the use of any Content, that you may not rely on said Content, and that under no circumstances will Insurance Market & News be liable in any way for any Content or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise made available via the Service.

You acknowledge that Insurance Market & News does not pre-screen or approve Content, but that Insurance Market & News shall have the right (but not the obligation) in its sole discretion to refuse, delete or move any Content that is available via the Service, for violating the letter or spirit of the TOU or for any other reason.

5. THIRD PARTY CONTENT, SITES, AND SERVICES

Insurance Market & News and Content available through the Service may contain features and functionalities that may link you or provide you with access to third party content which is completely independent of Insurance Market & News, including web sites, directories, servers, networks, systems, information and databases, applications, software, programs, products or services, and the Internet as a whole. Your interactions with organizations and/or individuals found on or through the Service, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organizations and/or individuals.

You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. We do not guarantee the quality, safety or legality of, any Content, the truth or accuracy of the descriptions of any goods or services offered for sale, the right of the sellers to sell or license any such goods or services, or the ability of any buyer to purchase any such goods or services.

The Service is designed for experienced buyers accustomed to buying goods and services based on photographs and/or descriptive text. Buyers should assume that any goods offered are not new, unless otherwise stated, nor in perfect condition, and may require touch-up or repairs prior to use and that the available information about the items may be limited. It is not possible for Insurance Market & News to verify information provided by the seller of any item.

You agree that Insurance Market & News shall not be responsible or liable for any loss or damage of any sort incurred as the result of any dealings between users of the Service. If there is a dispute between users of the Service, or between users and any third party, you understand and agree that Insurance Market & News is under no obligation to become involved. In the event that you have a dispute with one or more other users, you hereby forever release Insurance Market & News, its officers, employees, agents and successors in rights from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes and/or our service.

6. NOTIFICATION OF CLAIMS OF INFRINGEMENT

If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please send your notice (“Notice”) to Insurance Market & News’s agent for notice of claims of copyright or other intellectual property infringement:

by email: team@insurancewhitepages.com

Please include the following with your Notice to our Abuse Agent:

The identity of the material on Insurance Market & News that you claim is infringing, in sufficient detail so that we may locate it on the website;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
Your address, telephone number, and email address;
A statement by you declaring under penalty of perjury that (i) the above information in your Notice is accurate, and (ii) that you are the owner of the copyright interest involved or that you are authorized to act on behalf of that owner;
Your physical or electronic signature.

7. PRIVACY AND INFORMATION DISCLOSURE

Insurance Market & News may, in its sole discretion, preserve or disclose your Content, as well as your information, such as email addresses, IP addresses, timestamps, and other user information. Your personal information is further governed by Insurance Market & News’s Privacy Policy.

8. CONDUCT

You agree not to post, email, or otherwise make available Content:

that is unlawful, harmful, threatening, abusive, harassing, defamatory, libelous, invasive of another’s privacy, or is harmful to minors in any way;
that is pornographic or depicts a human being engaged in sexual activities or exposing sexual organs unfitting for the Service;
that harasses, degrades, intimidates or is hateful toward an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
that suggests a discriminatory preference based on race, color, national origin, religion, sex, familial status or handicap (or violates any state or local law prohibiting discrimination on the basis of these or other characteristics);
that violates federal, state, or local equal employment opportunity laws, including but not limited to, stating in any advertisement for employment a preference or requirement based on race, color, religion, sex, national origin, age, or disability;
with respect to employers that employ four or more employees, that violates the anti-discrimination provision of the Immigration and Nationality Act, including requiring U.S. citizenship or lawful permanent residency (green card status) as a condition for employment, unless otherwise required in order to comply with law, regulation, executive order, or federal, state, or local government contract;
that impersonates any person or entity, including, but not limited to, an Insurance Market & News employee, or falsely states or otherwise misrepresents your affiliation with a person or entity (this provision does not apply to Content that constitutes lawful non-deceptive parody of public figures.);
that includes personal or identifying information about another person without that person’s explicit consent;
that is fraudulent, false, deceptive, misleading, deceitful, misinformative, or constitutes “bait and switch”;
that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party, or Content that you do not have a right to make available under any law or under contractual or fiduciary relationships;
that constitutes or contains “affiliate marketing,” “link referral code,” “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or unsolicited commercial advertisement;
that constitutes or contains any form of advertising or solicitation if: posted in areas of Insurance Market & News which are not designated for such purposes;
or emailed to Insurance Market & News users who have not indicated in writing that it is ok to contact them about other services, products or commercial interests. that includes links to commercial services or web sites, except as specifically permitted;
that advertises any illegal service or the sale of any items the sale of which is prohibited or restricted by any applicable law;
that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
that disrupts the normal flow of dialogue with an excessive amount of Content (flooding attack) to the Service, or that otherwise negatively affects other users’ ability to use the Service;
or that employs misleading email addresses, or forged headers or otherwise manipulated identifiers in order to disguise the origin of Content transmitted through the Service.

Additionally, you agree not to:

contact anyone who has asked not to be contacted;
“stalk” or otherwise harass anyone;
collect personal data about other users for commercial or unlawful purposes;
use automated means, including spiders, robots, crawlers, data mining tools, or the like to download data from the Service – unless expressly permitted by Insurance Market & News;
post irrelevant Content, repeatedly post the same or similar Content or otherwise impose an unreasonable or disproportionately large load on our infrastructure;
post the same item or service in more than one classified category or forum;
attempt to gain unauthorized access to Insurance Market & News’s computer systems or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of, the Service or Insurance Market & News;
or use any form of automated device or computer program that enables the submission of Content on Insurance Market & News without such Content being manually entered by the author thereof (an “automated posting device”), including without limitation, the use of any such automated posting device to submit Content in bulk, or for automatic submission of Content at regular intervals.

9. POSTING AGENTS

A “Posting Agent” is a third-party agent, service, or intermediary that offers to post Content to the Service on behalf of others. To moderate demands on Insurance Market & News’s resources, you may not use a Posting Agent to post Content to the Service without express permission or license from Insurance Market & News. Correspondingly, Posting Agents are not permitted to post Content on behalf of others, to cause Content to be so posted, or otherwise access the Service to facilitate posting Content on behalf of others, except with express permission or license from Insurance Market & News.

10. NO SPAM POLICY

You understand and agree that sending unsolicited email advertisements to Insurance Market & News email addresses or through Insurance Market & News computer systems is expressly prohibited by these TOU. Any unauthorized use of Insurance Market & News computer systems is a violation of the TOU and certain federal and state laws, including without limitation the Computer Fraud and Abuse Act (18 U.S.C. § 1030 et seq.). Such violations may subject the sender and his or her agents to civil and criminal penalties.

11. PAID POSTINGS

We may charge a fee to post Content in some areas of the Service. The fee is an access fee permitting Content to be posted in a designated area. Each party posting Content to the Service is responsible for said Content and compliance with the TOU. All fees paid will be non-refundable in the event that Content is removed from the Service for violating the TOU. Fees collected for specific services, such as subscription services and advertising, are non-refundable unless otherwise stated in writing for a specific promotional program.

12. LIMITATION OF SERVICE AND CONTENT RETENTION

You acknowledge that Insurance Market & News may establish limits concerning use of the Service, including the maximum number of days that Content will be retained by the Service, the maximum number and size of postings, email messages, or other Content that may be transmitted or stored by the Service, and the frequency with which you may access the Service. You agree that Insurance Market & News has no responsibility or liability for the deletion or failure to store any Content maintained or transmitted by the Service. You acknowledge that Insurance Market & News reserves the right at any time to modify or discontinue the Service (or any part thereof) with or without notice, and that Insurance Market & News shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

13. ACCESS TO THE SERVICE

Insurance Market & News grants you a limited, revocable, nonexclusive license to access the Service for your own personal use. This license does not include: (a) access to the Service by Posting Agents; or (b) any collection, aggregation, copying, duplication, display or derivative use of the Service nor any use of data mining, robots, spiders, or similar data gathering and extraction tools for any purpose unless expressly permitted by Insurance Market & News. A limited exception to (b) is provided to general purpose internet search engines and non-commercial public archives that use such tools to gather information for the sole purpose of displaying hyperlinks to the Service, provided they each do so from a stable IP address or range of IP addresses using an easily identifiable agent and comply with our robots.txt file. “General purpose internet search engine” does not include a website or search engine or other service that specializes in classified listings or in any subset of classifieds listings such as decorative goods or furniture, or which is in the business of providing classified ad listing services.

14. TERMINATION OF SERVICE

You agree that Insurance Market & News, in its sole discretion, has the right (but not the obligation) to delete or deactivate your account, block your email or IP address, or otherwise terminate your access to or use of the Service (or any part thereof), immediately and without notice, and remove and discard any Content within the Service, for any reason, including, without limitation, if Insurance Market & News believes that you have acted inconsistently with the letter or spirit of the TOU. Further, you agree that Insurance Market & News shall not be liable to you or any third-party for any termination of your access to the Service. Further, you agree not to attempt to use the Service after said termination. Sections 2-7 and 13-20 shall survive the termination of the TOU.

15. PROPRIETARY RIGHTS

The Service is protected to the maximum extent permitted by copyright laws and international treaties. Content displayed on or through the Service is protected by copyright as a collective work and/or compilation, pursuant to copyrights laws, and international conventions. Any reproduction, modification, creation of derivative works from or redistribution of the site or the collective work, and/or copying or reproducing the sites or any portion thereof to any other server or location for further reproduction or redistribution is prohibited without the express written consent of Insurance Market & News. You further agree not to reproduce, duplicate or copy Content from the Service without the express written consent of Insurance Market & News, and agree to abide by any and all copyright notices displayed on the Service. You may not decompile or disassemble, reverse engineer or otherwise attempt to discover any source code contained in the Service. Without limiting the foregoing, you agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any aspect of the Service. Insurance Market & News, as well as certain other of the names, logos, and materials displayed on Insurance Market & News, constitute trademarks, trade names, service marks or logos (“Marks”) of Insurance Market & News or other entities. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associate therewith remains with Insurance Market & News or those other entities.

16. DISCLAIMER OF WARRANTIES

You agree that use of Insurance Market & News and the Service is entirely at your own risk. Insurance Market & News and the Service are provided on an “as is” or “as available” basis, without any warranties of any kind. All express and implied warranties, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights are expressly disclaimed to the fullest extent permitted by law. To the fullest extent permitted by law, Insurance Market & News disclaims any warranties for the security, reliability, timeliness, accuracy, and performance of Insurance Market & News and the Service.

To the fullest extent permitted by law, Insurance Market & News disclaims any warranties for other services or goods received through or advertised on Insurance Market & News or the Service, or accessed through any links on Insurance Market & News or the Service, including without limitation, warranty of title to or delivery of any good or service, any warranty with respect to intellectual property rights in any good or service, any warranty that any good or service conforms to its description or the colors, texture and detail shown on the user’s computer monitor. To the fullest extent permitted by law, Insurance Market & News disclaims any warranties for viruses or other harmful components in connection with Insurance Market & News or the Service.

No advice or information, whether oral or written, obtained by you from Insurance Market & News, Insurance Market & News or through the Service shall create any warranty not expressly made herein. Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, some of the foregoing disclaimers may not apply to you insofar as they relate to implied warranties.

17. LIMITATIONS OF LIABILITY

Under no circumstances shall Insurance Market & News be liable for direct, indirect, incidental, special, consequential or exemplary damages (even if Insurance Market & News has been advised of the possibility of such damages), resulting from any aspect of your use of Insurance Market & News or the Service, whether the damages arise from use or misuse of Insurance Market & News or the Service, from inability to use Insurance Market & News or the Service, or the interruption, suspension, modification, alteration, or termination of Insurance Market & News or the Service.

Such limitation shall also apply with respect to damages incurred by reason of other services or products received through or advertised in connection with Insurance Market & News or the Service or any links on Insurance Market & News or the Service, as well as by reason of any information or advice received through or advertised in connection with Insurance Market & News or the Service or any links on Insurance Market & News. These limitations shall apply to the fullest extent permitted by law. In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, some of the foregoing limitations may not apply to you.

18. INDEMNITY

You agree to indemnify and hold Insurance Market & News, its officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers, and employees, harmless from any claim or demand, including reasonable attorney fees and court costs, made by any third party due to or arising out of Content you submit, post, or make available through the Service, your use of the Service, your violation of the TOU, your breach of any of the representations and warranties herein, or your violation of any rights of another.

19. GENERAL INFORMATION

The TOU, and any additional terms to which you agree when using particular elements of the Service, constitutes the entire agreement between you and Insurance Market & News and governs your use of the Service, superseding any prior agreement between you and Insurance Market & News. The failure of Insurance Market & News to exercise or enforce any right or provision of the TOU shall not constitute a waiver of such right or provision.

If any provision of the TOU is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the TOU remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOU must be filed within one (1) year after such claim or cause of action arose or be forever barred.

20. VIOLATION OF TERMS AND LIQUIDATED DAMAGES

Please report any violations of the TOU by sending an email to team@insurancemarketandnews.com.
Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

You understand and agree that, because damages are often difficult to quantify, if it becomes necessary for Insurance Market & News to pursue legal action to enforce the TOU, you will be liable to pay Insurance Market & News the following amounts as liquidated damages, which you accept as reasonable estimates of Insurance Market & News’s damages for the specified breaches of the TOU:

If you post a message that (i) impersonates any person or entity; (ii) falsely states or otherwise misrepresents your affiliation with a person or entity; or (iii) that includes personal or identifying information about another person without that person’s explicit consent, you agree to pay Insurance Market & News one thousand dollars ($1,000) for each such message. This provision does not apply to messages that are lawful non-deceptive parodies of public figures.
If Insurance Market & News establishes limits on the frequency with which you may access the Service, or terminates your access to or use of the Service, you agree to pay Insurance Market & News one hundred dollars ($100) for each message posted in excess of such limits or for each day on which you access Insurance Market & News in excess of such limits, whichever is higher.
If you send unsolicited email advertisements to Insurance Market & News email addresses or through Insurance Market & News computer systems, you agree to pay Insurance Market & News twenty-five dollars ($25) for each such email.
If you post Content in violation of the TOU, other than as described above, you agree to pay Insurance Market & News one hundred dollars ($100) for each item of Content posted. In its sole discretion, Insurance Market & News may elect to issue a warning before assessing damages.
If you are a Posting Agent that uses the Service in violation of the TOU, in addition to any liquidated damages under clause (d), you agree to pay Insurance Market & News one hundred dollars ($100) for each and every item of Content posted in violation of the TOU. A Posting Agent will also be deemed an agent of the party engaging the Posting Agent to access the Service (the “Principal”), and the Principal (by engaging the Posting Agent in violation of the TOU) agrees to pay Insurance Market & News an additional one hundred dollars ($100) for each item of Content posted by the Posting Agent on behalf of the principal in violation of the TOU.
If you aggregate, display, copy, duplicate, reproduce, or otherwise exploit for any purpose any Content (except for your own Content) in violation of the TOU without Insurance Market & News’s express written permission, you agree to pay Insurance Market & News three thousand dollars ($3,000) for each day on which you engage in such conduct.

Notwithstanding any other provision of the TOU, Insurance Market & News retains the right to seek the remedy of specific performance of any term contained in the TOU, or a preliminary or permanent injunction against the breach of any such term or in aid of the exercise of any power granted in the TOU, or to seek to recover damages arising from or relating to a violation of this TOU or any combination thereof.

21. FEEDBACK

We welcome your questions and comments. Please send them to team@insurancemarketandnews.com.

22. TERMS OF USE FOR ALL SERVICES

Insurance Market & News offers a variety of online programs (the “Programs”) as a convenience to its participating professionals and persons interested in engaging a professional (the “Consumer”) to perform or receive services (“Services”) or information about such Services.

As a condition to your use of the Programs and as material inducement on the part of Insurance Market & News and its Affiliates to offer the Programs, you expressly acknowledge and agree that:

For Consumers:

The Programs
The Professional
The Services to be performed by any Professional.

Your use of the Programs
The engagement by you of any Professional
Any acts, negligence, breach of contract, or other conduct engaged in by you or by any of the Professional’s agents, vendors, consultants, and the like
Any other matter relating to the Programs.

– In no event will Insurance Market & News’s liability to you for any reason whatsoever exceed in the aggregate the sum of $25.00.

For Professionals:

The Programs
The Consumers
The agreement between you and the Consumer.

Insurance Market & News, its Officers, Directors, Members, and Employees, as well as Insurance Market & News Affiliates, shall not be liable to you for any direct, indirect, incidental, special, consequential, or exemplary damages or other losses resulting from or relating in any manner to:

Your use of the Programs
The engagement of you by any Consumer
Any acts, negligence, breach of contract, or other conduct engaged in by you or by any of the your or the Consumer’s agents, vendors, consultants, and the like
Any other matter relating to the Programs.

Questions about our services programs may be directed to: team@insurancemarketandnews.com

23. BRAND AGREEMENT

Legal Disclaimer: By logging in to your Insurance Market & News account, you are agreeing to the terms below and you are stating that you have the authority to represent the manufacturer’s products, pricing, and copyrighted material online. If you do not agree to the terms, or if you do not have the legal right to represent this brand relative to the terms below, please do not login to the account.

1) Parties:

This “Agreement” between “I” or “me” or the “Company” and Insurance Market & News (“Insurance Market & News”, together with me, “we” or the “parties”) governs the relationship between the parties. The parties agree to conduct this transaction and permit the creation of this Agreement by electronic means.

2) Content:

I hereby license to Insurance Market & News the use of the images (including logo, products, installation photos, etc.), product catalog, and related data, such as and including product pricing, that I provide or have placed on my website (such images, product catalog, related data, the “Content”) for display on Insurance Market & News and “Affiliated Sites,” including related websites, social media websites, picture hosting websites, and all other websites Insurance Market & News at its sole discretion believes will provide beneficial exposure to me, and for use in emails, quote requests, and promotional materials.

I may make suggestions for the best way to showcase my products or display the Content at any time, but Insurance Market & News retains full discretion regarding what Content (if any) to display, how, and where. I represent and warrant that I have obtained all rights in the Content necessary for Insurance Market & News to exercise the rights granted hereunder, that the Content is accurate and representative of my products, and that I will update my Insurance Market & News account with any updates to the Content necessary to keep such Content accurate and representative of my products. Insurance Market & News and Affiliated Sites are not responsible for any damages associated with the Content or its interpretation.

24. SUBMISSIONS

By submitting any content (including but not limited to articles, comments, feedback, or other materials) to this website, you grant us a perpetual, irrevocable, non-exclusive, royalty-free, transferable, and sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content worldwide in any media.

You represent and warrant that you own or have the necessary rights to the content you submit and that it does not violate the intellectual property rights, privacy rights, or other rights of any third party.

We reserve the right, at our sole discretion, to refuse, reject, or remove any submission or article for any reason, including but not limited to content that is inappropriate, inaccurate, or violates these terms. Additionally, we reserve the right to monitor, edit, or remove any submissions that we determine, at our sole discretion, to be objectionable or in violation of these terms.

25. MEMBER ACCOUNT

If you register as a user of this website, you will be assigned a username and password that is unique to you. You are responsible for maintaining the confidentiality of your username and password, as well as for all activities that occur under your account credentials.

You agree to promptly notify us of any unauthorized use of your username and password or any other breach of security.

26. REMOVAL REQUEST

The editorial staff of this website strives to publish news stories that are accurate, based on credible sources, and thoroughly verified. The management team reserves the right to remove any news story from the website at any time and for any reason, solely at its discretion.

Generally, however, it is the policy of this website not to remove news stories simply upon the request of an individual, a corporation, or their legal counsel. If a request is made for a story to be removed, the management team will review the request to determine if the basis for the request has merit.

In most cases, if the management team determines that the news story was based on a reliable and credible source, the story will not be removed. However, if new or updated information becomes available, the editorial management team may, at its discretion, add an “editor’s note” to the original story with the updated information.

27. USAGE BY CHILDREN UNDER 13

This website is directed to adults and is not intended for children under the age of 13. While we cannot prohibit minors from visiting the website, we rely on parents, guardians, and those responsible for supervising children under 13 to determine which materials are appropriate for them to view or access.

We do not permit registration by, and will not knowingly collect, personally identifiable information from anyone under the age of 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will promptly delete such information from our records.

28. DIGITAL MILLENNIUM COPYRIGHT ACT POLICY (DMCA)

Digital Millennium Copyright Act (DMCA) Policy

This DMCA Policy outlines the procedures for reporting alleged copyright infringement on our website. We respect the intellectual property rights of others and expect our users to do the same. In accordance with the Digital Millennium Copyright Act (DMCA), we will respond to notices of alleged copyright infringement that comply with the DMCA and other applicable laws.

1. Reporting Copyright Infringement

If you believe that content on our website infringes your copyright, you may submit a written notification to our designated Copyright Agent. To be effective, your notification must include the following information, as required by the DMCA (17 U.S.C. § 512(c)(3)):

A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
Identification of the copyrighted work claimed to have been infringed, or a representative list if multiple copyrighted works are covered by a single notification.
Identification of the material that is claimed to be infringing or to be the subject of infringing activity, along with information reasonably sufficient to permit us to locate the material (e.g., a URL).
Your contact information, including your name, address, telephone number, and email address.
A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

2. Counter-Notification by the Accused Party

If you believe that your content was removed or disabled as a result of a mistake or misidentification, you may submit a counter-notification to our Copyright Agent. To be effective, the counter-notification must include the following information:

Your physical or electronic signature.
Identification of the material that has been removed or to which access has been disabled, and the location where the material appeared before it was removed or disabled.
A statement, under penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification.
Your name, address, telephone number, and email address.
A statement that you consent to the jurisdiction of the federal court in your judicial district (or, if outside the United States, the jurisdiction of any judicial district where we may be found), and that you will accept service of process from the person who provided the original notification or their agent.

3. Designated Copyright Agent

All DMCA notifications and counter-notifications should be sent to our Designated Copyright Agent at:

Contact Information:
Safety Net Digital Medica, Inc.
Attn: Copyright Agent
2445 Otay Center Dr. Suite 116-G, San Diego CA 92154-7633
Email: team@insurancewhitepages.com
Phone Number: (747) 320-4110

4. Repeat Infringers

In accordance with the DMCA and other applicable laws, we have adopted a policy of terminating, in appropriate circumstances, users or account holders who are deemed to be repeat infringers.

5. Misrepresentation

Any person who knowingly materially misrepresents that material is infringing, or that material was removed or disabled by mistake, may be subject to liability under the DMCA.

6. Modifications to Policy

We reserve the right to modify this DMCA Policy at any time. Changes and clarifications will take effect immediately upon their posting on the website.

28. DIGITAL MILLENNIUM COPYRIGHT ACT POLICY (DMCA)

Digital Millennium Copyright Act (DMCA) Policy

1. Reporting Copyright Infringement

A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
Identification of the copyrighted work claimed to have been infringed, or a representative list if multiple copyrighted works are covered by a single notification.
Identification of the material that is claimed to be infringing or to be the subject of infringing activity, along with information reasonably sufficient to permit us to locate the material (e.g., a URL).
Your contact information, including your name, address, telephone number, and email address.
A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

2. Counter-Notification by the Accused Party

Your physical or electronic signature.
Identification of the material that has been removed or to which access has been disabled, and the location where the material appeared before it was removed or disabled.
A statement, under penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification.
Your name, address, telephone number, and email address.
A statement that you consent to the jurisdiction of the federal court in your judicial district (or, if outside the United States, the jurisdiction of any judicial district where we may be found), and that you will accept service of process from the person who provided the original notification or their agent.

3. Designated Copyright Agent

All DMCA notifications and counter-notifications should be sent to our Designated Copyright Agent at:

4. Repeat Infringers

In accordance with the DMCA and other applicable laws, we have adopted a policy of terminating, in appropriate circumstances, users or account holders who are deemed to be repeat infringers.

5. Misrepresentation

Any person who knowingly materially misrepresents that material is infringing, or that material was removed or disabled by mistake, may be subject to liability under the DMCA.

6. Modifications to Policy

We reserve the right to modify this DMCA Policy at any time. Changes and clarifications will take effect immediately upon their posting on the website.

29. Advertisement Terms and Cancellation Policy

Advertisement Terms

By purchasing advertising services, you agree to the following:

1. Ad Placement and Duration:

Advertisements, including banner ads and directory listings, are sold on a monthly basis.
The advertisement period begins on the agreed start date and continues for the duration of the billing cycle (30 days).

2. Fully Earned Fees:

All banner ad placements are sold on a monthly, fully earned basis. Payments are non-refundable once the billing cycle begins, regardless of the number of impressions, clicks, or interactions.
Advertisers may review basic performance metrics for transparency but acknowledge that the fee is solely for the duration of placement, not tied to specific performance guarantees.

3. No Performance Guarantees:

We do not guarantee any specific level of traffic, visibility, or engagement with your advertisement.
Metrics such as impressions or clicks may be provided for transparency but do not influence the cost of the advertisement.

4. Content Guidelines:

All advertisement content must comply with our content policies and applicable laws.
We reserve the right to reject or remove advertisements deemed inappropriate, misleading, or non-compliant without prior notice.

5. Renewal and Termination:

Advertisers may choose to renew their advertisement manually or opt for automatic renewal.
Failure to renew before the end of the current billing cycle may result in the removal of the advertisement.

6. Specific Payment Terms:

Some services may require payment of fees described in the specific conditions where those services are offered.

7. Flexibility in Payment Methods:

We reserve the right to add new payment methods and to discontinue acceptance of any particular payment method.

8. Changes to Fees:

Upon notice, if required by applicable laws, we may change the amount of, or basis for determining, any fee or charge, or institute new fees or charges.

9. Currency Reference:

Unless otherwise noted, all currency references are in U.S. dollars.

10. Responsibility for Fees and Taxes:

Advertisers agree to pay all fees and charges, including applicable taxes, incurred through their account at the rates in effect for the billing period in which such fees and charges are incurred.

Directory Listing Cancellation Policy

1. Fees:

Membership Pricing: The price for membership is as stated at the time of purchase and remains locked as long as the membership is kept current.
Payment Schedule:
- Monthly Memberships: Payments are made upfront at the beginning of each 30-day billing cycle.
- Yearly Memberships: Payments are made upfront at the beginning of each 365-day billing cycle.
Automatic Payments: Payments are automatically deducted from the account on file at the start of each billing cycle unless the membership is canceled in advance.

2. Length of Contract:

This Agreement remains valid until the account is canceled by either party.

3. Billing:

If a payment is due but the credit card or payment method on file is no longer valid or active, we will attempt to contact the account holder to update payment information.
A grace period of 30 days will be provided for updating billing details. If the issue is not resolved within this time, the membership may be canceled.

4. Termination:

By the Account Holder: Membership may be canceled at any time by submitting a cancellation request. Cancellation will take effect at the end of the current billing cycle.
By the Platform: We reserve the right to terminate this Agreement at our discretion. If termination is initiated by us and the account holder is not in violation of any terms, a prorated refund will be issued for the unused portion of the billing cycle.

Cancellation Policy

1. Advertiser-Initiated Cancellation:

You may cancel your advertisement at any time by submitting a written request through your account dashboard or contacting customer support.
Cancellation requests must be submitted at least 7 days before the next billing cycle to avoid being charged for the upcoming month.

2. No Refunds for Early Termination:

If you cancel before the end of a billing cycle, your advertisement will remain active until the end of the paid period.
No refunds or prorated credits will be issued for unused time within the billing cycle.

3. Non-Payment or Failed Payments:

If payment cannot be charged to your credit card or is returned for any reason, including chargebacks, we reserve the right to suspend or terminate your account and all obligations under this Agreement.

4. Platform-Initiated Termination:

We reserve the right to terminate or suspend advertisements due to non-compliance with our terms, unpaid fees, or at our sole discretion.
If termination occurs due to a Terms of Service violation, no refunds will be issued, including for unused portions of a membership subscription.

5. General Provisions:

Modification of Terms:
- We reserve the right to update or modify these terms at any time. Advertisers will be notified of significant changes via email or platform announcements.
Acknowledgment:
- By purchasing advertising services, you acknowledge and agree to abide by these terms and policies, including updates communicated to you.
Contact Information:
- If you require assistance or have questions regarding your advertisement, please contact our support team at [support email] or call us at [phone number].

By proceeding with an advertisement purchase or directory listing subscription, you confirm that you have read, understood, and agreed to the terms outlined in this Advertisement Terms and Cancellation Policy.

Terms of Use

1. ACCEPTANCE OF TERMS

2. MODIFICATIONS TO THIS AGREEMENT

3. ELIGIBILITY FOR USE

4. CONTENT

5. THIRD PARTY CONTENT, SITES, AND SERVICES

6. NOTIFICATION OF CLAIMS OF INFRINGEMENT

7. PRIVACY AND INFORMATION DISCLOSURE

8. CONDUCT

9. POSTING AGENTS

10. NO SPAM POLICY

11. PAID POSTINGS

12. LIMITATION OF SERVICE AND CONTENT RETENTION

13. ACCESS TO THE SERVICE

14. TERMINATION OF SERVICE

15. PROPRIETARY RIGHTS

16. DISCLAIMER OF WARRANTIES

17. LIMITATIONS OF LIABILITY

18. INDEMNITY

19. GENERAL INFORMATION

20. VIOLATION OF TERMS AND LIQUIDATED DAMAGES

21. FEEDBACK

22. TERMS OF USE FOR ALL SERVICES

For Consumers:

For Professionals:

23. BRAND AGREEMENT

1) Parties:

2) Content:

24. SUBMISSIONS

25. MEMBER ACCOUNT

26. REMOVAL REQUEST

27. USAGE BY CHILDREN UNDER 13

28. DIGITAL MILLENNIUM COPYRIGHT ACT POLICY (DMCA)

Digital Millennium Copyright Act (DMCA) Policy

1. Reporting Copyright Infringement

2. Counter-Notification by the Accused Party

3. Designated Copyright Agent

4. Repeat Infringers

5. Misrepresentation

6. Modifications to Policy

28. DIGITAL MILLENNIUM COPYRIGHT ACT POLICY (DMCA)

Digital Millennium Copyright Act (DMCA) Policy

1. Reporting Copyright Infringement

2. Counter-Notification by the Accused Party

3. Designated Copyright Agent

4. Repeat Infringers

5. Misrepresentation

6. Modifications to Policy

29. Advertisement Terms and Cancellation Policy

Advertisement Terms

1. Ad Placement and Duration:

2. Fully Earned Fees:

3. No Performance Guarantees:

4. Content Guidelines:

5. Renewal and Termination:

6. Specific Payment Terms:

7. Flexibility in Payment Methods:

8. Changes to Fees:

9. Currency Reference:

10. Responsibility for Fees and Taxes:

Directory Listing Cancellation Policy

1. Fees:

2. Length of Contract:

3. Billing:

4. Termination:

Cancellation Policy

1. Advertiser-Initiated Cancellation:

2. No Refunds for Early Termination:

3. Non-Payment or Failed Payments:

4. Platform-Initiated Termination:

5. General Provisions:

End Agreement

Announce New Markets

Get Listed Today

Insurance Wholesalers

Get Listed Today

Insurance Adjusters

Get Listed Today