TERMS & CONDITIONS

IRLetter.com (the "Website") is owned and operated by Insurance Services Network, Inc. (IRLetter.com). Insurance Services Network is dedicated to providing visitors to IRLetter.com with a highly interactive and positive experience, while at the same time protecting our rights and the rights of our users. We have developed these Terms of Service to govern your use of IRLetter.com, and we, along with our affiliates, partners and advertisers, provide content and services to you subject to the following conditions. Your use of IRLetter.com tells us you have read and agreed to these Terms of Service. Please read them carefully. This Terms of Service is a binding contract between you and Insurance Services Network, regarding your use of IRLetter.com. If you do not agree with any of these terms, please exit the Website.

All contents of this Website are: Copyright © 2020 Insurance Services Network, Inc., or third-party content providers and are protected by international copyright law. All rights reserved.

(When applicable) Free Access to the content made available to you on the Website is possible due to the paid advertising that appears on the Website. Without this advertising, we would not be able to provide you with this content for free. In exchange for your free access to this content, you agree that you will not, and will not permit any third party to, remove, obstruct, modify or otherwise interfere with the delivery or display of advertisements on the Website.

All of the information, content, services and software displayed on, transmitted through, or used in connection with the Website, including for example, advertising, directories, guides, articles, opinions, reviews, text, photographs, images, illustrations, audio clips, video, html, source and object code, software, data, and all other matters related to this website, including without limitation, the selection and arrangement of the aforementioned and the "look and feel" of this website (collectively, the "Content"), are protected under applicable copyrights and other proprietary (included but not limited to intellectual property) rights and are the intellectual property of Insurance Services Network (IRLetter.com), and its affiliated companies, licensors and suppliers. Insurance Services Network (IRLetter.com) actively protects its rights to the Content to the fullest extent of the law. The copying, rearrangement, redistribution, modification, use or publication by you, directly or indirectly, of any such matters or any part of the website, including the removal or alteration of advertising, except for limited rights of use granted hereunder, is strictly prohibited. You may not use such material except as provided in these Terms of Service.

You may use the Content online and solely for your personal, non-commercial use, and you may download or print a single copy of any portion of the Content for your personal, non-commercial use, provided you do not remove any trademark, copyright or other notice contained in such Content. No other use is permitted. You may not, for example, republish the Content on any Internet, Intranet or Extranet site or incorporate the Content in any database, compilation, archive or cache. You may not distribute any of the Content to others, whether or not for payment or other consideration, and you may not modify, copy, frame, reproduce, sell, publish, transmit, display or otherwise use any portion of the Content without securing the prior written consent of Insurance Services Network (IRLetter.com).

Requests to use the Content for any purpose other than as permitted in this paragraph should be directed to Insurance Services Network (IRLetter.com) by using the "Contact Us" button or in writing at the postal address above. In certain cases, you may be able to obtain a license to use individual stories that appear on IRLetter.com through an online vendor we have specifically designated as authorized to license Content on our behalf. If we have authorized a third party vendor to grant you a license to any Content, we will tell you that directly in the portion of the Content you may license. If you do not see our express authorization, you should assume no third party has the right to allow you to use the Content.

Insurance Services Network (IRLetter.com) contains text, photo, graphic, audio and/or video material licensed from several third party content providers ("Third Party Content"). Third Party Content shall not be published, broadcast, rewritten for broadcast or publication or redistributed directly or indirectly in any medium. Neither Third Party Content, nor any portion thereof, may be stored in a computer except for personal or non-commercial use. Neither Insurance Services Network (IRLetter.com) nor any third party content provider will be held liable for any delays, inaccuracies, errors or omissions therefrom or in the transmission or delivery of all or any part thereof or for any damages arising from any of the foregoing.

Insurance Services Network, Inc. (IRLetter.com) respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement or are aware of any infringing material placed by any third party on IRLetter.com, please contact us at the address listed below under the heading "Contact Us."

The Content includes logotypes, trademarks and service marks (collectively "Marks") owned by Insurance Services Network, Inc. and Marks owned by other information providers and third parties. For example, 'isn’ is a trademark of Insurance Services Network, Inc. No Marks may be used in any manner unless approved in advance, in writing by Insurance Services Network (IRLetter.com).

If you operate a website and wish to link to IRLetter.com, you may link only to the home page, IRLetter.com, and not to any other page or sub-domain of IRLetter.com without our express written consent. You may not frame or utilize framing techniques that involve any trademark, logo, copyrighted material or other proprietary information (including images, text, page layout, or form) of any portion of IRLetter.com without our express written consent. You may not alter or modify in any way, IRLetter.com including but not limited to using any software to suppress or alter the display of advertising on the pages of IRLetter.com. In addition, you agree not to decompile, reverse engineer or disassemble any software or other products or processes accessible through IRLetter.com, not to insert any code or product or manipulate the content of IRLetter.com in any way that affects the user's experience, and not to use any data mining, robots, cancelbots, Trojan horse, or any data gathering or extraction method in connection with your use of IRLetter.com.

Certain areas of IRLetter.com may require registration or may otherwise ask you to provide information to participate in certain features or access certain content. The decision to provide this information is purely optional, however if you elect not to provide such information, you may not be able to access certain content or features or participate in various areas of IRLetter.com. When you register or become a member of IRLetter.com or provide information to IRLetter.com in any other manner, you agree to provide only true, accurate, current and complete information on all registration pages. Using a name other than your own legal name is prohibited (except in those specific areas of IRLetter.com that specifically ask for unique, fictitious names, e.g., message boards and chat rooms). You agree that Insurance Services Network (IRLetter.com) may use the information you provide to us according to the Privacy Policy on our Website.

If you become a member of IRLetter.com, you agree to accept responsibility for all activities that occur under your account or password, and agree you will not sell, transfer or assign your membership or any membership rights. You are responsible for maintaining the confidentiality of your password and for restricting access to your computer so that others may not access IRLetter.com using your name in whole or in part. Insurance Services Network (IRLetter.com) reserves the right to terminate membership and deny access to the Website to any person who violates this Terms of Service.

By placing material on, or communicating with, IRLetter.com, including for example communication during registration, communication on any IRLetter.com bulletin board or message or chat area, entering any sweepstakes, etc., you represent and warrant that you own or otherwise control all of the rights to the content that you provide, that the content is accurate, that it does not violate these Terms of Service, and that it will not cause injury to any person or entity. You grant Insurance Services Network, its affiliates and related entities, including IRLetter.com, a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, copy, modify, display, archive, store, distribute, reproduce and create derivative works from all information you provide to us in any public area of IRLetter.com, in any form, media, software or technology of any kind now existing or developed in the future. Without limiting the generality of the previous sentence, you authorize Insurance Services Network to include the information you provide in a searchable format that may be accessed by users of the IRLetter.com website. You also grant Insurance Services Network and its affiliates and related entities the right to use your name and any other information about you that you provide in connection with its use and with the reproduction or distribution of such material, and also grant Insurance Services Network (IRLetter.com) the right to use any material, information, ideas, concepts, know-how or techniques contained in any communication you send to us for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products using such information. All rights in this paragraph are granted without the need for additional compensation of any sort to you.

Please note that IRLetter.com does not accept unsolicited materials or ideas for use or publication. IRLetter.com is not responsible for the similarity of any of its content or programming in any media to materials or ideas transmitted to IRLetter.com.

Other Specifics about Interactive Areas (Message Boards, Chat Areas, etc.) (Once active) IRLetter.com bulletin boards and other such interactive areas are provided to give users an interesting and stimulating forum to express their opinions and share their ideas and information. Given the nature of IRLetter.com and the volume of messages and postings, IRLetter.com cannot and does not monitor all of the material posted or transmitted by users and third party information providers. To protect your safety, please use your best judgment when using these forums. We particularly discourage divulging personal phone numbers and addresses or other information that can be used to identify or locate you. IRLetter.com reserves the right to delete, move or edit any communications at any time, for any reason or in its discretion, but has no obligation to review or remove any such content.

Interactive areas, discussion boards, chat rooms, etc., are intended to encourage public debate. We expect people to differ - judgment and opinion are subjective things - and we encourage freedom of speech and a marketplace of ideas. But by using these areas of IRLetter.com, you are participating in a community that is intended for all our users. Therefore, we reserve the right to remove any content posted on our site at any time for any reason. Decisions as to whether content violates any Posting Rule will be made by IRLetter.com in its discretion after we have actual notice of such posting. Without limiting our right to remove content, we have attempted to provide guidelines to those posting content on our Website. When using IRLetter.com, please do not post material that:

• contains vulgar, profane, abusive or hateful language, epithets or slurs, text or illustrations in poor taste, inflammatory attacks of a personal, racial or religious nature, or expressions of bigotry, racism, discrimination or hate.
• is defamatory, threatening, disparaging, grossly inflammatory, false, misleading, deceptive, fraudulent, inaccurate, unfair, contains gross exaggeration or unsubstantiated claims, violates the privacy rights of any third party, is unreasonably harmful or offensive to any individual or community, contains any actionable statement, or tends to mislead or reflect unfairly on any other person, business or entity.
• violates any right of Insurance Services Network or any third party.
• discriminates on the grounds of race, religion, national origin, gender, age, marital status, sexual orientation or disability, or refers to such matters in any manner prohibited by law.
• violates any municipal, state or federal law, rule, regulation or ordinance, or attempts to encourage such an evasion or violation.
• unfairly interferes with any third party's uninterrupted use and enjoyment of IRLetter.com.
• advertises, promotes or offers to trade any goods or services, except in areas specifically designated for such purpose.
• uploads copyrighted or other proprietary material of any kind on IRLetter.com without the express permission of the owner of that material.
• uses or attempts to use another's account, password, service or system except as expressly permitted by the Terms of Service.
• includes images, photos, articles or other content that constitutes, promotes or encourages illegal acts, violation of any right of any individual or entity, violation of any local, state, national or international law, rule, guideline or regulation, or otherwise creates liability.
• uploads or transmits viruses or other harmful, disruptive or destructive files.
• disrupts, interferes with, or otherwise harms or violates the security of IRLetter.com, or any services, system resources, accounts, passwords, servers or networks connected to or accessible through IRLetter.com or affiliated or linked sites.
• "flames" any individual or entity (e.g., sends repeated messages related to another user and/or makes derogatory or offensive comments about another individual), or repeats prior posting of the same message under multiple threads or subjects.
• A violation of certain of these Posting Rules may be referred to law enforcement authorities. Insurance Services Network reserves the right to disclose any information as necessary to satisfy any law, regulation or governmental request.

Insurance Services Network (IRLetter.com) is a distributor with regard to content supplied by third-party suppliers and Users, therefore, Insurance Services Network (IRLetter.com) has no more editorial control over such content than a public library, bookstore or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers and Users are those of the respective author(s) or distributor(s) and not of Insurance Services Network (IRLetter.com).

Your dealings or communications through IRLetter.com with any party other than IRLetter.com are solely between you and that third party. For example, certain areas of IRLetter.com may allow you to conduct transactions or purchase goods or services. In most cases, these transactions will be conducted by our third-party partners and vendors. Under no circumstances will IRLetter.com be liable for any goods, services, resources or content available through such third party dealings or communications, or for any harm related thereto. Please review carefully that third party's policies and practices and make sure you are comfortable with those policies and practices before you engage in any transaction. Any complaints, concerns or questions you may have relating to materials provided by third parties should be forwarded directly to the third party.

Any software that is made available to download from this Website ("Software") is the copyrighted work of Insurance Services Network, Inc’s suppliers. Use of the Software is governed by the terms of the end-user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). End users shall not install or use any Software that is accompanied by or includes a License Agreement, unless the end user first agrees to the License Agreement terms. Any such Software is not available to Users in territories where its distribution is prohibited by law.

www.IRLetter.com is controlled, operated and administered by Insurance Services Network, Inc. from offices within the United States. Insurance Services Network, Inc. (IRLetter.com) makes no representation that materials or Content available through IRLetter.com are appropriate or available for use outside the United States and access to them from territories where their contents are illegal is prohibited. You may not use IRLetter.com or export the Content in violation of U.S. export laws and regulations. If you access IRLetter.com from a location outside the United States, you are responsible for compliance with all local laws.

Insurance Services Network (IRLetter.com) respects the privacy of its readers. However, Insurance Services Network (IRLetter.com) does make available for rental its list of those registrants who have expressly provided us with their permission to receive third party information and offers as part of their user profile. Registrants may change their user profile at any time by visiting the "My Account" page.

Insurance Services Network shall have the right, at its discretion, to change, modify, add or remove terms of this agreement at any time without notice. Changes shall be effective immediately. You agree to review this agreement periodically since subsequent use by you of this site shall constitute your acceptance of any changes. Insurance Services Network shall have the right at any time to change or discontinue any aspect of IRLetter.com, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions shall be effective immediately upon posting and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes, modifications or deletions.

ALL MATERIALS AND SERVICES IN THIS SITE AND THIRD-PARTY SITES TO WHICH IT LINKS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. THE CONTENT PUBLISHED ON THIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. INSURANCE SERVICES NETWORK, INC. [IRLETTER.COM] AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS WEBSITE AT ANY TIME INCLUDING CHANGES TO THESE TERMS OF SERVICE. INSURANCE SERVICES NETWORK, INC. [IRLETTER.COM] AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS AND, TO THE FULLEST EXTENT ALLOWED BY LAW, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE REGARDING THE SUITABILITY OF THE INFORMATION; THE ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE CONTENT, SERVICES, PRODUCTS, TEXT, GRAPHICS, LINKS, OR OTHER ITEMS CONTAINED WITHIN THIS SITE, OR THE RESULTS OBTAINED FROM ACCESSING AND USING THIS SITE AND/OR THE CONTENT CONTAINED HEREIN. INSURANCE SERVICES NETWORK, INC. [IRLETTER.COM] DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, INCLUDING BULLETIN BOARDS OR THE SERVER THAT MAKES IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE USER ASSUMES THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION OF THE USERS COMPUTER AND OTHER EQUIPMENT.

This Website may contain advice, opinions, and statements of various information providers and content providers. Insurance Services Network (IRLetter.com) does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Neither Insurance Services Network (IRLetter.com) nor its affiliates, nor any of their respective agents, employees, information providers or content providers shall be liable to any User or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, or for any damages resulting therefrom.

Prior to the execution of a purchase or sale or any security or investment, you are advised to consult with your broker or other financial advisor or other professionals as appropriate to verify pricing and other information. Neither Insurance Services Network, its affiliates, information providers or content providers shall have any liability for investment decisions based upon, or the results obtained from, the information provided. Neither Insurance Services Network, its affiliates, information providers or content providers guarantee or warrant the timeliness, sequence, accuracy, or completeness of any such information. Nothing contained in this Website is intended to be, nor shall it be construed as, investment advice.

Under no circumstances, including, but not limited to, negligence, shall Insurance Services Network (IRLetter.com), or its affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, the Content, unauthorized access to or alteration of your transmissions or data, the Content or any errors or omissions in the Content, even if advised of the possibility of such damages. You specifically acknowledge and agree that Insurance Services Network is not liable for any conduct of any User.

AS A CONDITION OF USE OF THIS WEBSITE, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS, INSURANCE SERVICES NETWORK, INC. (IRLETTER.COM) AND ITS SUPPLIERS, EACH OF THEIR PARENT AND AFFILIATED COMPANIES, AND EACH OF THEIR RESPECTIVE PARTNERS, SUPPLIERS, LICENSORS, OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS AND AGENTS, FROM ANY AND ALL CLAIMS (INCLUDING, BUT NOT LIMITED TO, CLAIMS FOR DEFAMATION, TRADE DISPARAGEMENT, PRIVACY AND INTELLECTUAL PROPERTY INFRINGEMENT) AND DAMAGES (INCLUDING ATTORNEYS' FEES AND COURT COSTS) ARISING FROM OR RELATING TO ANY ALLEGATION REGARDING: (A) YOUR USE OF IRLETTER.COM; (B) IRLETTER.COM USE OF ANY CONTENT OR INFORMATION YOU PROVIDE, AS LONG AS OUR USE IS NOT INCONSISTENT WITH THIS AGREEMENT; (C) INFORMATION OR MATERIAL POSTED OR TRANSMITTED THROUGH YOUR MEMBERSHIP ACCOUNT, EVEN IF NOT POSTED BY YOU; AND, (D) ANY VIOLATION OF THESE TERMS OF SERVICE BY YOU.

If you are dissatisfied with any IRLetter.com (Insurance Services Network) material, or with any of IRLetter.com (Insurance Services Network) terms and conditions, your sole and exclusive remedy is to discontinue using the Insurance Services Network website.

This Agreement shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this Website; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall control.

This Agreement has been made in and shall be construed and enforced in accordance with Illinois law. Any action to enforce this agreement shall be brought in the federal or state courts located in the State of Illinois. If any provision is deemed to be unlawful or unenforceable, that shall not affect the validity and enforceability of the remaining provisions. Any failure of Insurance Services Network to enforce or exercise any provision of this Agreement or related right shall not constitute a waiver of that right or provision. The section titles used in this Agreement are purely for convenience and carry with them no legal or contractual effect. In the event of termination of this Agreement for any reason, you agree that the following provisions will survive: the provisions regarding the limitations on your use of Content, the license(s) you have granted to Insurance Services Network, and all other provisions for which survival is equitable or appropriate.

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