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These Terms and Conditions
of Use govern your use of this website. This website is provided by
1stInsured.com which is owned and operated by Group Insurance Concepts,
Inc. By accessing this site, you are indicating your acknowledgment
and acceptance of these Terms and Conditions of Use. These Terms and
Conditions of Use are subject to change by 1stInsured.com at any time
in its discretion without further notice. Your use of this site after
such changes are implemented constitutes your acknowledgment and acceptance
of the changes. Please consult these Terms and Conditions of Use regularly.
These Terms and Conditions apply exclusively to your access to, and
use of, this website and does not alter in any way the terms or conditions
of any other agreement you may have with Group Insurance Concepts, Inc.,
for products, services or otherwise.
Privacy Policy
1stInsured.com has adopted
a Privacy Policy. Users of this website should refer to the 1stInsured.com
Privacy Policy, available at this website's homepage, before providing
any information.
Consent To Be Contacted
You understand that by submitting
your personal information, you are making a consumer inquiry for insurance
and/or financial services offered by insurance agents and/or sellers
of financial services that have contracted with Group Insurance Concepts.
You also understand that by doing so, you consent and expect to be contacted
by any and all such licensed insurance agents and/or sellers of financial
services via telephone, email or direct mail even if you are registered
on the federal do-not-call list and/or any applicable state do-not-call
list. You may withdraw your consent by notifying Group Insurance Concepts
at admin@1stInsured.com.
Representations and Warranties
You represent and warrant to Group Insurance Concepts that, to the best
of your knowledge and ability, any and all information submitted by
you to this website is true and accurate.
Restrictions On Use
You may use this site for
purposes expressly permitted by this site. You may not use this site
for any other purpose, including any commercial purpose, without 1stInsured.com’s
express prior written consent. For example, you may not (and may not
authorize any other party to co brand this site or frame this site,
without the express prior written permission of an authorized representative
of 1stInsured.com. For purposes of these Terms and Conditions of Use,
“co branding” means to display a name, logo, trademark,
or other means of attribution or identification of any party in such
a manner as is reasonably likely to give a user the impression that
such other party has the right to display, publish, or distribute this
site or content accessible within this site. You agree to cooperate
with 1stInsured.com in causing any unauthorized co-branding, framing
or hyper-linking immediately to cease.
Proprietary Information
The material and content
accessible from this site, and any other World Wide Web site owned,
operated, licensed, or controlled by 1stInsured.com (the “Content”)
is the proprietary information of 1stInsured.com, and 1stInsured.com
retains all right, title, and interest in the Content. Accordingly,
the Content may not be copied, distributed, republished, uploaded, posted,
or transmitted in any way without the prior written consent of 1stInsured.com,
except that you may print out a copy of the Content solely for your
personal use. In doing so, you may not remove or alter, or cause to
be removed or altered, any copyright, trademark, trade name, service
mark, or any other proprietary notice or legend appearing on any of
the Content. Modification or use of the Content except as expressly
provided in these Terms and Conditions of Use violates 1stInsured.com’s
intellectual property rights. Neither title nor intellectual property
rights are transferred to you by access to this site.
Hyperlinks
This site may be hyper-linked
to other sites, which are not maintained by, or related to, 1stInsured.com.
Hyper-links to such sites are provided as a service to users and are
not sponsored by or affiliated with this site or 1stInsured.com. 1stInsured.com
has not reviewed any or all of such sites and is not responsible for
the content of those sites. Hyper-links are to be accessed at the user’s
own risk, and 1stInsured.com makes no representations or warranties
about the content, completeness or accuracy of these hyper-links or
the sites hyper-linked to this site. Further, the inclusion of any hyper-link
to a third-party site does not necessarily imply endorsement by 1stInsured.com
of that site.
Third-Party Content &
Services
1stInsured.com may provide
hyperlinks to WebPages and content of third parties ("Third-Party
Content") as a service to those interested in this information.
1stInsured.com does not monitor nor does 1stInsured.com have control
over any Third-Party Content or Third-Party Websites. 1stInsured.com
does not endorse or adopt any Third-Party Content and can make no guarantee
as to its accuracy or completeness. 1stInsured.com does not warrant
the accuracy of any information contained therein and undertakes no
responsibility to update or review any Third-Party Content. Users use
of these hyperlinks and Third Party-Content contained therein at their
own risk.
Trademarks
Trademarks, service marks,
and logos appearing in this site are the property of 1stInsured.com
or the party that provided the trademarks, service marks, and logos
to 1stInsured.com. 1stInsured.com and any party that provided trademarks,
service marks, and logos to 1stInsured.com retain all rights with respect
to any of their respective trademarks, service marks, and logos appearing
in this site.
Disclaimer
YOUR USE OF THIS SITE IS
AT YOUR OWN RISK. THIS WEBSITE AND THE MATERIALS IN THIS WEBSITE ARE
PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND,
EITHER EXPRESS OR IMPLIED. 1STINSURED.COM DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
1STINSURED.COM DOES NOT REPRESENT OR WARRANT THAT MATERIALS ON THIS
WEBSITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. 1STINSURED.COM
DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR ITS SERVER(S) ARE
FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. 1STINSURED.COM DOES NOT
WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE
UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT
THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES
OR OTHER HARMFUL COMPONENTS. 1STINSURED.COM DOES NOT WARRANT OR MAKE
ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT
IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE
TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND 1STINSURED.COM MAY
MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT 1STINSURED.COM,
ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION
IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE
OR ITS CONTENT. 1STINSURED.COM MAKES NO WARRANTIES THAT YOUR USE OF
THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY
OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
1stInsured.com reserves the right to change any and all content contained
on this website at any time without notice. Reference to any products,
services, processes, or other information, by trade name, trademark,
manufacturer, supplier, or otherwise does not constitute or imply endorsement,
sponsorship or recommendation thereof by 1stInsured.com. All of the
information in this site, whether historical in nature or forward-looking,
speaks only as of the date the information is posted on this site, and
1stInsured.com does not undertake any obligation to update such information
after it is posted or to remove such information from this site if it
is not, or is no longer, accurate or complete.
Limitation of Liability
IN NO EVENT SHALL 1STINSURED.COM,
ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT
PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS BE LIABLE FOR
ANY INCIDENTAL, DIRECT, SPECIAL, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL,
SPECIAL, OR EXEMPLARY DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING,
BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER
IN AN ACTION IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE),
OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF
THIS WEBSITE OR THE MATERIALS CONTAINED ON, OR ACCESSED THROUGH, THIS
WEBSITE.
Indemnity
You will indemnify and hold
1stInsured.com, its subsidiaries, affiliates, licensors, content providers,
service providers, employees, agents, officers, directors, and contractors
(the “Indemnified Parties”) harmless from any breach of
these Terms and Conditions of Use by you, including any use of Content
other than as expressly authorized in these Terms and Conditions of
Use. You agree that the Indemnified Parties will have no liability in
connection with any such breach or unauthorized use, and you agree to
indemnify any and all resulting loss, damages, judgments, awards, costs,
expenses, and attorneys’ fees of the Indemnified Parties in connection
therewith. You will also indemnify and hold the Indemnified Parties
harmless from and against any claims brought by third parties arising
out of your use of this site.
Security
Any passwords used for this
site are for individual use only. You will be responsible for the security
of your password (if any). 1stInsured.com will be entitled to monitor
your password and, at its discretion, require you to change it. If you
use a password that 1stInsured.com considers insecure, 1stInsured.com
will be entitled to require the password to be changed and/or terminate
your account.
You are prohibited from using
any services or facilities provided in connection with this site to
compromise security or tamper with system resources and/or accounts.
The use or distribution of tools designed for compromising security
(e.g., password guessing programs, cracking tools or network probing
tools) is strictly prohibited. If you become involved in any violation
of system security, 1stInsured.com reserves the right to release your
details to system administrators at other sites in order to assist them
in resolving security incidents. 1stInsured.com reserves the right to
investigate suspected violations of these Terms and Conditions of Use.
1stInsured.com reserves the
right to fully cooperate with any law enforcement authorities or court
order requesting or directing 1stInsured.com to disclose the identity
of anyone posting any e-mail messages, or publishing or otherwise making
available any materials that are believed to violate these Terms and
Conditions of Use.
BY ACCEPTING THIS AGREEMENT
YOU WAIVE AND HOLD HARMLESS 1STINSURED.COM FROM ANY CLAIMS RESULTING
FROM ANY ACTION TAKEN BY 1STINSURED.COM DURING OR AS A RESULT OF ITS
INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS
BY EITHER 1STINSURED.COM OR LAW ENFORCEMENT AUTHORITIES.
Applicable Law
These terms and conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its choice of law principles to the contrary. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the Counties of Pinellas and Hillsborough, Florida, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Notice.
Termination
Notwithstanding any of these
terms and conditions, 1stInsured.com reserves the right, without notice
and in its sole discretion, to terminate your license to use this website,
and to block or prevent future access to and use of this website.
Severability
If any provision of these
terms and conditions shall be deemed unlawful, void, or for any reason
unenforceable, then that provision shall be deemed severable from these
terms and conditions and shall not affect the validity and enforceability
of any remaining provisions. If you have any questions about this legal
notice, the practices of this site, or your dealings with this website,
please contact us at admin@1stInsured.com.
Legal Disclaimer
All text and information
provided on or through this site is protected by federal copyright law
and as such commercial use by insurance agents or brokers is prohibited.
No part of any information from 1stinsured™ may be duplicated,
published, broadcast, photocopied, faxed, mailed, uploaded, distributed,
transmitted or redistributed in any manner for any purpose without prior
written authorization by 1stinsured™.
1stinsured™ is always
interested in high quality sites to link to 1stinsured™, provided
that permission is obtained from 1stinsured™ prior to the posting
of any link. If you are interested in linking your site to 1stinsured™,
please contact us. Please make sure to clearly state your request and
include your URL. All links to 1stinsured™ from a permissible site
must be to the 1stinsured™ home page -- links to internal pages
within 1stinsured™ are not permitted. No link to 1stinsured™
may be "framed" by the permissible site where the link originated.
1stinsured is a trademark
owned by Group Insurance Concepts, Inc.
1stinsured™ does not
sell, solicit, procure, or quote insurance of any kind. The purpose
of its existence is to make referrals to independent agents who have
contracted with Group Insurance Concepts, Inc. of St. Petersburg, Florida,
USA.
This site is for informational
purposes only and is provided without charge to assist consumers who
may be seeking information regarding life insurance whether or not an
independent agent who has contracted with Group Insurance Concepts,
Inc. will receive a commission.
1stinsured™ does not
assume any responsibility for any information received or extracted
from any links. The text included on this site is provided by and reflects
the views of the director of Group Insurance Concepts, Inc. and is null
and void where free insurance advice or freedom of speech is limited
or regulated by law. The director can be contacted via the contact page.
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