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TERMS OF USE:

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The materials on this Web site are provided by Insurance Service Net Inc. (ISN) for informational purposes only. Copies may be downloaded subject to the provisions below. By downloading from this site, you agree to these terms. If you do not accept these terms, do not use this site and do not download any materials from it.

TRADEMARK INFORMATION
ISNís trademarks include the names Insurance Service Net, InsuranceServiceNet.com, ISN,  (All other brands and names are the property of their respective owners.) Thus unauthorized use of ISN trademarks is prohibited.

OWNERSHIP OF SITE MATERIALS
Unless otherwise noted, all text, images, graphics and other materials on this site are subject to the copyrights and other intellectual property rights of ISN. You may download materials found on ISN's site only as set forth. Any unauthorized use of materials may violate copyright, trademark and other laws.

SINGLE COPY LICENSE
You may download and/or print one copy of the materials on a ISN site on a single computer solely for your own personal or internal non-commercial use within your organization. Permission is granted to copy and freely distribute ISN newsletters in their entirety without changes. This is a non-transferable and non-exclusive limited usage license (and not a transfer of ownership) and you may not (a) decompile or reverse engineer any software materials, (b) remove any copyright or other proprietary notices, (c) sell or rent the materials, or (d) create any derivative works for any public or commercial purpose or otherwise modify the materials. Any software, including demonstration software, will be subject to additional license terms accompanying the software. Any use, reproduction or distribution of such software not in compliance with those additional licensing terms is prohibited. Pages on this site that require a password or access code are restricted to authorized users.

DISCLAIMER
While ISN uses its best efforts to make accurate postings on its sites, from time to time errors will occur. ISN therefore does not guarantee the accuracy or completeness of the materials. Note that there may be differences between the print and the electronic versions of news articles available through this site. If you discover any item which you believe may be in error, please contact us about it. ISN publications, including materials available through this site, are designed to provide accurate and authoritative information in regard to the subject matter covered. Such materials are provided with the understanding that ISN, as the publisher, is not engaged in rendering legal, accounting or other professional service. If legal advice or other expert assistance is required, the services of a competent professional person should be sought. Other than for orders by parties with pre-existing written purchasing agreements with ISN, all orders for products or services placed through this site are subject to ISN's then current terms and conditions for such products and services. Copies of those terms will be furnished upon request. ALL MATERIALS ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS, ARE EXCLUDED AND DISCLAIMED. IN NO EVENT WILL PREMIUMWARE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, BUSINESS INTERRUPTION OR LOSS OR DAMAGE TO DATA) ARISING OUT OF THE USE OF THIS SITE OR ANY MATERIALS APPEARING ON ITS PAGES, EVEN IF PREMIUMWARE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER A CLAIM IS ASSERTED IN CONTRACT, NEGLIGENCE, TORT OR OTHERWISE.

USER SUBMISSIONS
To the extent ISN offers chat rooms or interactive forums, ISN disclaims any responsibility for the comments of individual users. All participants are expected to observe normal commercial standards of behavior, however, and any user violating those standards may be barred from further participation. All user submissions to ISN, either through this site or via e-mail, will be considered non-confidential and non-proprietary. Users may not submit copyrighted or confidential information belonging to another party without the express permission of the owner of such material and without identifying it as such. Users should note that any material or communications submitted by users (whether in original or edited form) may be republished, copied or otherwise used commercially or non-commercially by ISN without compensation and with or without attribution.

PERSONAL DATA/USER COMMUNICATIONS
ISN's policies with respect to user identification data, user comments, and the use of cookies are described in ISN's Privacy Policy Statement.

LINKS TO THIRD PARTY SITES/ADVERTISEMENTS
As a convenience for our users, ISN sites may contain links to third party sites. These third-party sites are not under the control of ISN and ISN is not responsible for the content or accuracy of those sites. With the exception of the content of Web sites identified as being co-sponsored by ISN, the provision of a link and/or the display of an advertisement is not to be interpreted as an endorsement of the site, its sponsor or its products. The user assumes all risk of accessing third party sites, including responsibility for reviewing the terms of usage and privacy policies of those sites.

APPLICABLE LAWS
This site is based in the United States of America. Access to materials, including product orders, is subject to U.S. export control laws. Users who access this site from other countries are responsible for compliance with applicable local laws. Access from locations where the site content is restricted or illegal is prohibited.

INQUIRIES
Questions as to the usage of this site or requests for special licenses should be directed to ISN.

GENERAL 
ISN reserves the right to revise these terms at any time by updating this posting. Even though you may have visited this site before, any access is subject to the then current terms and you are responsible for checking for any updates.    

 

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