When you access the InsuranceDesk.com web site, we provide you with the opportunity to take advantage of our services and features contingent upon your acceptance of certain conditions. You may also be asked to enter into additional agreements before being permitted to access certain of our services. These further agreements are in addition to these terms and conditions and will govern your use of the services covered by the additional agreements in the event of a conflict between the terms of this agreement and those additional agreements.
With your access and use of this web site and services, you agree to use the web site and services only for lawful purposes. You also agree that you will not: (a) license, sublicense, rent, lease, loan, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party our web site or services; (b) modify or make derivative works based upon our web site or services; or (c) reverse engineer, disassemble, decompile, or otherwise attempt to derive the source code or method of operation of our web site or services, or authorize any third party to do any of the foregoing.Copyright and Trademarks
InsuranceDesk.com owns the rights, title, and interest in and to our web site and services, including the intellectual property rights. Intellectual property rights are all worldwide patent, patent applications, copyrights, trade secrets, trademarks, service marks, trade names and any other intellectual property, proprietary, and database protection rights. Furthermore, the InsuranceDesk.com name and logo are our trademarks, and no right or license is granted to you herein to use such trademarks.Linked Web Sites
Our web site may contain links to third party web sites that are offered as a convenience. Those third party web sites are not under our control and we are not responsible for any content on any linked web site. Our inclusion of third party links does not imply that we endorse or accept any responsibility for the content on those web sites. If you access a third party web site from our web site, then you do so with the understanding that the risk is yours.Representations and Warranties
You represent, warrant and covenant that: (1) You have the legal right and authority to enter into this agreement, and, if you are accepting this agreement on behalf of a company or other entity, to bind the company or other entity to the terms of this agreement; (2) You have the legal right and authority to perform your obligations under this agreement and to grant the rights and licenses described in this agreement and in any applicable additional agreement you enter into in connection with our web site and any of our services; (3) All information that you provide to us in connection with this agreement and your access to our web site and use of the services is correct and current.Indemnification
You agree that you will indemnify, defend, and hold harmless InsuranceDesk.com and each of its respective employees, officer, directors, and affiliates, from any and all claims, losses, liabilities, damages, fees, expenses and costs (including attorneys' fees, court costs, damage awards, and settlement amounts) which result from any claim or allegation against any of those indemnified parties arising from: (a) your accessing our web site or use of our services including any materials disseminated or transmitted by you and/or your affiliates; (b) your breach of any term of this agreement; or (c) your negligence or intentional misconduct hereunder. We will provide you with notice of any such claim or allegation, and we will have the right to participate in the defense of any such claim at our expense.Disclaimer
THE PARTIES ACKNOWLEDGE THAT THE SERVICES ARE PROVIDED TO YOU STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS WITH NO WARRANTIES WHATSOEVER. YOU RECOGNIZE THAT THE CURRENT STATE OF TECHNOLOGY DOES NOT ALLOW FOR ERROR-FREE ACCESS TO THE WEB SITE AND USE OF THE SERVICES AND INTERRUPTIONS, CRASHES AND DOWNTIME THAT MAY OCCUR FROM TIME TO TIME. INSURANCEDESK.COM DOES NOT REPRESENT OR WARRANT THAT: (A) THE USE OF THE SERVICES WILL BE SECURE, TIMELY, UNINTERRUPTED OR ERROR-FREE OR OPERATE IN COMBINATION WITH ANY OTHER HARDWARE, SOFTWARE, SYSTEM OR DATA; (B) THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; OR (C) ANY RESULTS GENERATED BY USING THE SERVICES WILL BE ACCURATE, UP-TO-DATE, COMPLETE OR RELIABLE. INSURANCEDESK.COM DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. NO ORAL OR WRITTEN INFORMATION GIVEN BY INSURANCEDESK.COM WILL INCREASE THE SCOPE OF THE ABOVE WARRANTIES OR CREATE ANY NEW WARRANTIES. YOU AGREE THAT YOUR ACCESS TO THE WEB SITE AND THE INFORMATION THEREON IS AT YOUR OWN RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO THE WEB SITE OR USE OF THE SERVICES.Limitation of Liability