Terms of Service

The following terms and conditions of service (the "Terms of Service") govern Your use of ienetwork.com, any subdomains of ienetwork.com, and any other domains operated by Insurance Experts Network, Inc. (collectively and individually, the "Site") and any services or products made available to You by Insurance Experts Network, Inc. (hereinafter, "IENetwork", "We", "Us" or "Our") on or through the Site (the "Services"). For purposes of the Terms of Service, "You" means the person using the Site or the Services or, if You are using the Site or Services on behalf of Your company (or another entity), then "You" means Your company (or such other entity) and its officers, members, agents, successors and assigns.

Effective Date: March 6, 2015

A. Scope


PLEASE READ THE TERMS OF SERVICE CAREFULLY BEFORE USING THE SITE OR THE SERVICES. YOUR USE OF THE SITE OR THE SERVICES CONFIRMS YOUR UNCONDITIONAL ACCEPTANCE OF THE TERMS AND CONDITIONS SET FORTH IN THE TERMS OF SERVICE. IF YOU DO NOT ACCEPT THE TERMS OF SERVICE, DO NOT USE THE SITE OR THE SERVICES. IF YOU ORDER ANY SERVICE PROVIDED BY IENETWORK THROUGH THE SITE, THEN ACCEPTANCE BY IENETWORK IS EXPRESSLY CONDITIONED UPON YOUR ASSENT TO THE TERMS OF SERVICE.

IENetwork is always looking for ways to improve the Site and the Services and, as a result, may amend the Terms of Service at any time by posting an amended Terms of Service on the Site. Any amended Terms of Service shall automatically be effective on the date that it is initially posted on the Site. By using the Site or the Services, You agree to be bound by the current form of the Terms of Service. It is Your responsibility to return to the Terms of Service from time to time to review the most current Terms of Service. IENetwork does not and will not assume any obligation to notify You of changes to the Terms of Service. The current Terms of Service will supersede any prior communications or agreement with respect to the Site or the Services, unless such agreement expressly states that it is not superseded by the Terms of Service.

B. Services and Accounts


Users of the Site, who simply browse the Site ("Guests"), may be able to view information about our Services, request information, submit comments and inquire about opportunities for employment or other business transactions (collectively, "Guest Services"). Other users of the Site, who register an Account (as defined below) with Us ("Members"), may be able to engage in these same activities, as well as other Services, including accessing and using our customer relationship management system, requesting training and technical support for this system and participating in blogs and forums that we provide for Members (the "Member Services"). Guests and Members may be collectively referred to herein as "Users".

To become a Member and receive Member Services You must create an account on the Site (an "Account") by submitting certain requested information, which may include your individual and/or company name, social security number, date of birth, email address, physical address, credit card and other payment information and information relating to Your insurance license. Members will receive a private password that can be used to gain access to the Account. Members may distribute their Account password to employees and others whom the Member has authorized to transact business on the Site on behalf of the Member, but Members and those that they authorize to use their accounts must keep passwords secure because Members are solely responsible for the activity that occurs on their Accounts.

The following additional terms and conditions apply to the creation, maintenance and use of Accounts:
  1. You agree to provide complete and accurate information to create Your Account and to keep Your Account information up-to-date.
  2. You are responsible to choose a secure password for Your Account and to maintain the confidentiality of Your password. If You share Your password with anyone it may jeopardize the security of Your Account. You agree to notify IENetwork promptly if You become aware that Your password or Account has been used without Your consent. To do so, please contact us at support@ienetwork.com.
  3. You agree not to impersonate any other person, thing or entity through Your Account.
  4. You agree not to access anyone else's Account without that person's permission.
  5. Your agree not to use the Site or Services if You are less than 18 years of age without the consent of Your parent or guardian, who agrees, on Your behalf, that You will comply with the Terms of Service.
  6. You agree to be solely responsible for all activities that occur under Your Account and acknowledge that IENetwork is not responsible for any errors or unauthorized transactions or activities by You or others that use Your passwords to access and use Your Accounts.
  7. You agree that any hardware and software required to use the Site or the Services is Your responsibility.
Users, who create or administer an Account on the Site for another person or entity, agree to abide by all of the terms and conditions provided above and represent that they are properly authorized to represent the person or entity for which the User created or administered an Account.

IENetwork reserves the right, for any reason, in its sole discretion, to terminate, change (including, without limitation, modifying, adding or deleting), upgrade, suspend or discontinue any aspect of the Site or the Services, including, but not limited to, the Member Services, prices, content, features, hours of availability or equipment required for access. We may also impose limits on certain features of the Site or Services, or restrict Your access to part or all of the Site or Services without notice to You or penalty to Us.

NOTWITHSTANDING THE FOREGOING, PLEASE NOTE THAT IENETWORK IS NOT IN THE BUSINESS OF PROVIDING LEGAL, FINANCIAL, ACCOUNTING, TAX, HEALTHCARE, INSURANCE OR OTHER PROFESSIONAL SERVICES OR ADVICE. CONSULT THE SERVICES OF A COMPETENT PROFESSIONAL WHEN YOU NEED THIS TYPE OF ASSISTANCE. YOU ARE REQUIRED TO CONDUCT YOUR OWN DUE DILIGENCE TO CONFIRM AND ENSURE THE ACCURACY AND COMPLETENESS OF ALL CONTENT AND OTHER INFORMATION AVAILABLE THROUGH THE SITE AND THE SERVICES BEFORE MAKING OR RECOMMENDING ANY FINAL DECISIONS OR IMPLEMENTING ANY FINANCIAL, INSURANCE OR INVESTMENT RELATED STRATEGY. ANY AND ALL CONTENT CONTAINED WITHIN OR MADE AVAILABLE THROUGH THE SITE IS MADE AVAILABLE TO YOU BASED ON YOUR UNDERSTANDING THAT THE AUTHORS, PUBLISHERS AND DISTRIBUTORS ARE NOT RENDERING LEGAL, FINANCIAL, ACCOUNTING, TAX, HEALTHCARE, INSURANCE OR OTHER PROFESSIONAL ADVICE OR OPINIONS ON SPECIFIC FACTS OR MATTERS AND, ACCORDINGLY, NEITHER IENETWORK NOR ANY THIRD PARTY CONTENT PROVIDER IS LIABLE TO YOU OR ANY THIRD PARTY IN ANY MANNER WHATSOEVER IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY CONTENT.

C. Payment Terms for Member Services


Subject to the terms and conditions of the Terms of Service, IENetwork will provide the Member Services to Members in accordance with its then-current pricing and other policies and procedures, as set forth on the Site or otherwise provided to Members from time to time. For Member Services offered on a payment or subscription basis, the following terms apply unless We notify You otherwise in any payment terms on the Site or otherwise in writing:
  1. Payments for Member Services will be billed to You in U.S. dollars, and Your account will be debited when You subscribe and provide Your payment information.
  2. You must pay with one of the following: (a) a valid credit card acceptable to Us; (b) a valid debit card acceptable to Us; (c) sufficient funds in a checking or savings account to cover an electronic debit of the payment amount due; or (iv) by another payment option We provide to You in writing.
  3. If Your payment and registration information is not accurate, current and complete, and You do not notify Us promptly when such information changes, We may suspend or terminate Your Account and refuse any use of the Member Services.
  4. If You do not notify Us of updates to your payment method (e.g., credit or debit card expiration date or change in card number), to avoid interruption of the Member Services, we may participate in programs supported by Your card provider (e.g., updater services, recurring billing programs, etc.) to try to update Your payment information, and You hereby authorize Us to continue billing Your Account with the updated information that We obtain.
  5. We will automatically renew Your monthly or annual Member Services at the then-current rates unless the Member Services are cancelled by You in accordance with these Terms of Service. Unless the Member Services are cancelled by You in accordance with these Terms of Service, You authorize us to collect the then-current annual or monthly fee using any credit card or other payment mechanism We have on record for You.
  6. In no event will IENetwork have any obligation to provide a refund of any amounts previously paid by You.
  7. Member agrees to pay a late payment charge at the rate of one and one-half percent (1.5%) per month, or at the maximum late payment charge permitted by applicable law, whichever is less, on any amount that remains unpaid past the due date. IENetwork may apply any payment received to any delinquent amount outstanding. Member agrees to pay all applicable taxes levied by any tax authority relating to the Member Services, excluding any and all taxes based on the net income of IENetwork.
  8. Additional ordering, payment, cancellation or renewal terms may be provided to You on the Site or in communications or notices from Us, and the Terms of Services incorporate such terms by reference.

D. User Information and Privacy


In the course of Your use of the Site or the Services, We may collect and You may be asked to provide certain personally identifiable information and other confidential or sensitive information, as well as other non-personally identifiable information, relating to You and third parties (such information is referred to hereinafter as "User Information"). Our information collection and use policies with respect to the privacy of such User Information are set forth in the Site's Privacy Policy which is incorporated herein by reference for all purposes. You acknowledge and agree that You are solely responsible for the accuracy and content of all User Information You submit and agree to be bound by the Privacy Policy, subject to change in accordance with its terms. Without limiting the foregoing, You agree (a) to Us maintaining Your data according to the Privacy Policy, as part of the Services; and (b) that We may aggregate non-personally identifiable User Information which You enter or upload with that of other Users of the Services, as well as analyze, disclose and use such information as set forth in the Privacy Policy. By way of example, this means that We may use that aggregated data to improve Services, offer new Services, design promotions or provide ways for You to compare business practices with other Users, and provide the information to third parties for similar and other purposes.

ALTHOUGH WE WILL TAKE REASONABLE SECURITY PRECAUTIONS REGARDING USER INFORMATION AND OTHER INFORMATION STORED ON THE SITE, DUE TO THE OPEN NATURE OF THE INTERNET, WE CANNOT GUARANTEE THAT ANY INFORMATION STORED ON OUR SERVERS, OR TRANSMITTED TO OR FROM A USER, WILL BE FREE FROM UNAUTHORIZED ACCESS, AND WE DISCLAIM ANY AND ALL LIABILITY FOR ANY THEFT OR LOSS OF, UNAUTHORIZED ACCESS OR DAMAGE TO, OR INTERCEPTION OF ANY USER INFORMATION OR OTHER INFORMATION, DATA OR COMMUNICATIONS. WITHOUT LIMITING THE FOREGOING, IENETWORK MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING ITS ABILITY TO GUARD AGAINST THE LOSS OF USER INFORMATION. ACCORDINGLY, YOU AGREE TO KEEP BACK-UP COPIES OF ALL USER INFORMATION STORED ON OR THROUGH THE SITE OR THE SERVICES. BY USING THE SITE, YOU ACKNOWLEDGE THAT YOU UNDERSTAND AND AGREE TO ASSUME THESE OBLIGATIONS AND RISKS.

E. Proprietary Rights


The Site, all the content (including, for example, audio, photographs, illustrations, graphics, video and software), code, data, works of authorship and materials thereon, the look and feel, design and organization of the Site, and the compilation of the material on the Site (collectively, the "Content") are protected by U.S. and international copyright, trademark and other laws. IENetwork and its licensors own, solely and exclusively, all rights, title and interest in and to the Site, the Content, including, but not limited to, all intellectual property and proprietary rights therein. Your use of the Site and/or the Content does not grant to You any ownership of any Content You may access on the Site.

The trademarks, logos, service marks and trade names (collectively, the "Trademarks") displayed on the Site or in connection with the Content made available through the Site are registered and unregistered Trademarks of IENetwork and its licensors and may not be used except with written permission of the respective Trademark owner. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of IENetwork or the third party that may own the applicable Trademark. Your misuse of the Trademarks displayed on the Site or on or through any of the Services is strictly prohibited.

Notwithstanding anything in the Terms of Service to the contrary, in the event that You submit or post any ideas, creative suggestions, photographs, information, advertisements or proposals, including ideas for new or improved products, services, features, technologies or promotions, You expressly agree that such submissions will automatically be treated as non-confidential and non-proprietary and will become the sole property of IENetwork without any compensation or credit to You whatsoever. IENetwork and its affiliates shall have no obligations with respect to such submissions or posts and may use the ideas contained in such submissions or posts for any purpose in any medium in perpetuity, including, but not limited to, developing, manufacturing and marketing products and services using such ideas.

F. Conflicts of Interest


The Site and the Services are limited to Users who do not have a conflict of interest relating to the Services. Any person or entity offering products or services in competition with IENetwork, including such person's or entity's employees and affiliates, are not eligible to receive the Member Services or access any portions of the Site that require a password for access. Accessing, disclosing or using the Member Services or portions of the Site that require a password for access in any way that compromises their confidentiality or IENetwork's competitive position is strictly prohibited. Violations of these prohibitions will be civilly prosecuted to the maximum extent permissible under law. Explicitly, this bars individuals and entities involved in the development and production of competing products from accessing or using the Member Services or portions of the Site that require a password for access. IP addresses and domain names of people accessing the Site may be logged for verification.

Without limiting the foregoing, the Content relating to the Member Services and portions of the Site that require a password for access are deemed IENetwork's confidential information, and Members agree to (1) hold this confidential information in strict confidence, (2) not disclose this confidential information to any third party and implement practices and procedures necessary to prevent such disclosure, which steps shall include at least those taken by You to protect Your own confidential information, and (3) access and use the confidential information only as expressly authorized in the Terms of Service. You will promptly notify Us in writing of any unauthorized use or disclosure of this confidential information.

You further covenant, represent and warrant that, as of the date You subscribed to any Member Services, You have not created, developed, distributed, sold or licensed others to use any software products or services substantially similar to or competitive with the Member Services. You further covenant, represent and warrant that for a period of twenty-four (24) months immediately following expiration or termination of your subscription to the Member Services (the "Restricted Period"), You shall not build, create, design, develop or finance the building, creation, design or development of software products or services similar to or competitive with the Member Services, or assist any third party to do so. Notwithstanding the foregoing, this covenant shall not prohibit You from (1) owning less than two percent (2%) of the securities of any competitor of IENetwork, if such securities are publicly traded on a nationally recognized stock exchange or over-the-counter market, or (2) acquiring software products or services from a third party, which independently built, created, designed, developed and financed the building, creation, design and development of such software products or services. These covenants, representations and warranties shall cover and apply to Your activities in (i) all counties in the State of Utah, (ii) all other states of the United States of America and its territories, and (iii) all other countries of the world where We derived at least two percent (2%) of Our gross revenues during the term of the Terms of Service (collectively, the "Territory"). These covenants, representations and warranties shall be construed as a series of separate covenants, one for each city, county, state and country of any geographic area in the Territory. If, in any judicial proceeding, a court refuses to enforce any of such separate covenants, representations or warranties (or any part thereof), then such unenforceable covenant, representation or warranty (or such part) shall be eliminated from the Terms of Service to the extent necessary to permit the remaining separate covenants (or portions thereof) to be enforced. In the event these covenants, representations and warranties are deemed to exceed the time, geographic or scope limitations permitted by Utah law, then such provisions shall be reformed to the maximum time, geographic or scope limitations, as the case may be, then permitted by such law. The running of the Restricted Period shall be tolled and suspended for any period of time in which You are in breach or violation of any covenant, representation, warranty or obligation set forth in this Section F. You acknowledge and agree that Your fulfillment of the obligations contained in this Section F, including, but not limited to, the nondisclosure and nonuse obligations and the non-compete covenants, representations and warranties are necessary to protect IENetwork's confidential information and, consequently, to preserve the trade secrets, value and goodwill of IENetwork. You further acknowledge and agree that the time, geographic and scope limitations of the non-compete covenants, representations and warranties are reasonable, especially in light of IENetwork's desire to protect its confidential information and trade secrets, and that You will not be precluded from engaging in Your usual and regular business activities if obligated to comply with the non-compete covenants, representations and warranties contained in this Section F during the Restricted Period and within the Territory as described above.

G. IENetwork's Rights


IENetwork reserves the following rights: (1) to suspend or terminate the Account of anyone who violates the Terms of Service; (2) to change or alter the Site, the form and nature of the Site or any Services provided through the Site, including requiring payment for some or all uses of the Site and/or the Services, at any time; (3) to review, modify, filter, disable, delete and remove any and all content and information from the Site; (4) to update and download automatically any software provided on or through the Site, even if it affects the Services provided to You; (5) to cooperate or comply with any law enforcement, court, government investigation, order or third party requesting or directing that We disclose information or content, including any information that You provide if We decide that such disclosure is in Our or Our customers' best interests; (6) to display advertising and promotions, which may be targeted to certain Users or sections of the Site based upon queries made or preferences indicated, and may not be identified as paid advertisements or promotions. You agree that the foregoing are rights of, but not obligations of, IENetwork and that IENetwork may, but is not obligated to exercise any of these rights.

H. Prohibited Uses


You may use the Site and the Services only for lawful purposes. You may not transmit, post, store, distribute, display or present any information, software, data, file or material in violation of any applicable law or regulation. You may not use the Site or the Services to facilitate, or otherwise assist others in, the violation of any law or regulation.

You are solely responsible for ensuring that materials transmitted, posted, stored, distributed, displayed or presented using the Site or the Services comply with the Terms of Service and all applicable laws and regulations. IENetwork does not have any obligation to review, edit, censor or take responsibility for any information that You, or other Users, may create, transmit, post, store, distribute, display or present using the Site or the Services.

You may not use the Site or the Services to: (1) post content or information that is obscene, hateful, threatening, defamatory, includes child pornography, or creates a risk to anyone's privacy or safety; (2) promote, do or further any unlawful, misleading, discriminatory or malicious activity; (3) solicit personal information from anyone under 18 years of age; (4) transmit unsolicited commercial messages (Spam), junk mail, pyramid schemes, chain letters or similar materials or information; (5) upload or transmit viruses, worms or other malicious code; (6) violate or infringe anyone's intellectual property rights, including copyrights, trademarks, patents and trade secrets (for instance, You may not use the Site or the Services to provide pirated or counterfeit works, information to circumvent copyright protection devices or links to such works or information or impermissibly use someone else's copyrighted work or trademarks); (7) violate or infringe anyone's privacy or publicity rights, such as impersonating another person or entity or posting images of someone without their permission; (8) forge or otherwise manipulate headers, tags or identifiers in order to disguise the origin of any message or transmittal that You send or receive on or through the Site or the Services; (9) falsely express or imply that IENetwork sponsors, endorses or is otherwise affiliated with You or Your content; (10) violate any law, statute, ordinance or regulation including export, intellectual property and privacy laws; (11) interfere with, circumvent, disable or attempt to interfere with, circumvent or disable the Site or the Services, the proper working of the Site or the Services, security features of the Site or the Services, or the equipment connected to the Site or the Services; (12) impose an unreasonable or disproportionately large load on the infrastructure of the Site or IENetwork's systems or networks; (13) restrict or inhibit any other person from using the Site or the Services (including without limitation by hacking or defacing any portion of the Site); (14) create a database by downloading and storing the Content or any part thereof; or (15) violate the Terms of Service or encourage or assist anyone else to violate the Terms of Service.

You may not do any of the following without IENetwork's written permission: (1) use, copy, republish, upload, distribute, collect, modify, transmit, or post the Content or the Site for commercial purposes; (2) modify, remove, delete, augment, add to, publish, transmit, participate in the transfer, rental or sale of, create derivative works from, or in any way exploit any of the Content, in whole or in part; (3) access or attempt to access the Site or collect or index information provided IENetwork using any automated means, such as robots, spiders, scrapers, scripts, harvesting 'bots, or the similar means or equivalent manual processes; (4) solicit, trace or otherwise collect any information from Users; (5) frame or use framing techniques to enclose the Site or any part thereof; (6) use any metatags or any other "hidden text" using any Trademarks of IENetwork; or (7) reverse engineer, decompile or otherwise extract source code provided on or through the Site or the Services.

In addition to any remedies that IENetwork may have at law or in equity, if IENetwork reasonably determines that You have violated or are likely to violate the foregoing prohibitions, IENetwork may take any action it reasonably deems necessary to cure or prevent the violation, including, without limitation, the immediate removal of materials that violate the foregoing prohibitions from the Site. IENetwork may cooperate with any law enforcement authorities or court order or subpoena or third party requesting or directing IENetwork to disclose the identity of anyone posting such materials.

I. Forums and Promotions


The Site may provide certain areas for Users to communicate with other Users, including through blogs, chat rooms, online communities and the like (the "Forums"). IENetwork does not endorse the content in the Forums and specifically disclaims any responsibility or liability to any person or entity for any loss, damage, injury, claim, liability or other cause of any kind or character based upon or resulting from any material, content or other communication provided through a Forum. IENetwork reserves the right, but is not obligated, to review messages in the Forums and is not responsible for the content of any such messages. IENetwork also reserves the right, but is not obligated, to delete, edit or remove a message, in whole or in part, posted to a Forum for any reason and to exclude any User from using a Forum. Please be aware that when You post to a Forum, You may be disclosing certain information to others. To protect Your safety, please use Your best judgment when using the Forums and carefully consider the information that You disclose in the Forums. IENetwork reserves the right to cooperate with any law enforcement, court, third party or government investigation or order requesting or directing IENetwork to disclose information posted to a Forum, or if IENetwork decides that such disclosure is in its or its customers' best interests.

We may, from time to time, include contests, promotions, sweepstakes or other activities ("Promotions") that require You to submit material or information concerning Yourself. Please note that all Promotions may be governed by separate rules that may contain certain eligibility requirements, such as restrictions as to age or geographic location. You are responsible to read all Promotions rules to determine whether or not You are eligible to participate. If You enter any Promotion, You agree to abide by and to comply with all Promotions rules.

J. Permission Based Communications


You may use the Services to transmit permission-based (opt-in) communications for purposes of marketing Your goods and services, provided that You otherwise comply with the standards set out in the Terms of Service, the IENetworks Privacy Policy and all applicable laws including, but not limited to, the CAN-SPAM Act. All marketing conducted using the Services must be permission (opt-in) based. You must keep adequate and verifiable records to prove that Your marketing is strictly permission-based. In addition, should You purchase mailing lists or other types of data that are to be used to contact third parties via the Services, You must verify that the lists have been compiled on a strict "opt-in" basis.

In addition to the above, all permission-based communications sent using the Services must include the following (and You are required to take the corresponding actions set forth below): (1) a working "unsubscribe" link (You must honor all unsubscribe requests within 72 hours of receipt); (2) the recipient's accurate e-mail address in the "to" line and the sender's accurate e-mail address in the "from" line; (3) an accurate "re" line; (4) a working link to Your privacy policy; (5) a working "abuse" address and/or link (You must answer all complaints forwarded to this address within 72 hours from receipt); an (6) an up-to-date website that corresponds with the domain portion of the response e-mail.

You are solely responsible for the transmission of all such permission-based communications related to Your Files and Your use of the Services. IENetwork reserves the right to suspend or terminate Services to You in the event IENetwork receives, in its sole and exclusive discretion, an excessive number of complaints related to Your permission-based communications, whether such complaints are made by parties whom "opt-in" or otherwise.

K. Copyright and Trademark Infringement


Copyrights

IENetwork respects the intellectual property rights of others and expects Users to do so as well. If You believe that Your copyrighted work has been copied or posted on or through the Site or Services in a way that constitutes copyright infringement, then You may send a written notice to our Designated Agent that contains the following:
  • A description of the copyrighted work that You believe has been infringed;
  • A description of what the allegedly infringing work is;
  • A description of the location where the allegedly infringing work is located on the Site;
  • An address and telephone number where You can be contacted, including an email address if possible;
  • A statement that You have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law;
  • A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright; and
  • A statement, made under penalty of perjury, that the above information in the notice is accurate and that the signatory is the copyright owner or is authorized to act on behalf of the copyright owner.
If You receive a copyright notice from Us that You believe is incorrect, then You may send a counter notice to Our Designated Agent. After receiving a counter notice, We may reinstate the content in question under Sections 512(g)(2) and (3) of the Copyright Act. A counter notice must include:
  • A physical or electronic signature of the alleged infringer;
  • A description of the material that was removed or to which access was disabled;
  • A description of the location where the allegedly infringing work was located on the Site before it was removed or access was disabled;
  • A statement, under penalty of perjury, that the alleged infringer has a good faith belief that the material was removed or that access was denied as a result of a mistake or misidentification;
  • The alleged infringer's name, address and telephone number; and
  • A statement that the alleged infringer consents to the jurisdiction of the federal court with jurisdiction over the address provided by the alleged infringer, or if the alleged infringer is outside of the United States, then that the alleged infringer consents to jurisdiction in Salt Lake City, Utah and will accept service of process from the party who is alleging the infringement.
Our Designated Agent for copyright notice claims can be reached at:

Insurance Experts Network, Inc.
Attn: Insurance Experts Network DMCA Counter-Notification
1501 N Canyon Rd
Provo, UT 84604

OR fax to:

(801) 436-5445, Attn: Insurance Experts Network DMCA Counter-Notification

Or email to:

DMCA_Compliance@ienetwork.com

Trademarks

IENetwork also takes trademark rights seriously and will investigate reasonable trademark issues that are brought to its attention. Please keep in mind, however, that trademark rights are territorial and more than one party can own a trademark in different territories. More than one party may also use a trademark on sufficiently different goods or services. If You believe that a trademark that You own has been infringed on or through the Site or the Services, then You may send a notice to our Designated Agent that includes the following:
  • Sufficient information to identify the trademark that was allegedly infringed;
  • Your ownership rights in such trademark, including the territories in which You have rights or registrations;
  • Information as to the goods and services on which You use the trademark and the length of time You have been using the trademark on each of the identified goods and services;
  • A statement of Your basis for why Your trademark rights have been infringed, including a description of the allegedly infringing trademark and the goods and services on which it is used;
  • The location of the allegedly infringing material on the Site;
  • Your contact information, including address, telephone number and email address; and
  • A statement, made under penalty of perjury, that the above information in the notice is accurate and that the signatory is the trademark owner or is authorized to act on behalf of the trademark owner.
False Claims and Other Things To Note
  1. You may be liable for damages if You materially misrepresent that Your intellectual property rights have been violated, for instance if the alleged infringement is a fair use of Your copyright or trademark. Therefore, if You are not sure whether or not Your intellectual property rights have been infringed, please contact an attorney before contacting IENetwork.
  2. We may provide a copy of Your notice or counter notice to the other parties concerned and may also provide it to third parties, including posting any communications in place of the disabled content.
  3. We will not act as an arbiter of disputes, but it reserves the right to remove any material or to disable access of anyone who violates the Terms of Service.

L. Violations of Terms of Service and Termination


YOUR USE OF THE SITE OR SERVICES MAY NOT VIOLATE ANY OF THE PROVISIONS IN THE TERMS OF SERVICE. IENETWORK MAY SUSPEND OR TERMINATE YOUR ACCOUNT OR SERVICES AND/OR REMOVE (TO THE EXTENT POSSIBLE) ANY MATERIALS, IF IT DETERMINES, IN ITS SOLE AND EXCLUSIVE DISCRETION, THAT YOU HAVE ENGAGED IN ANY ACTIVITY THAT VIOLATES THE TERMS OF SERVICE.

IENetwork may suspend and terminate Your use of the Site or Services without notice to You for breach of the Terms of Service. IENetwork may also report Your activities to federal and/or state law enforcement agencies.

Without limiting its other remedies, IENetwork may immediately issue a warning, temporarily suspend, indefinitely suspend or terminate the Terms of Service and Your access to the Site or the Services and Your Accounts if You fail to comply with any term or condition of the Terms of Service. IENetwork may take such actions without providing You prior notice and at its sole discretion. Upon the occurrence of such a violation, You agree to terminate access to the Site and Services. Upon termination, those provisions of the Terms of Service that expressly or by their nature survive will continue in full force and effect.

M. Third Party Products and Links to and from the Site


The Site and Services may contain information and content provided by third parties not related to IENetwork. Such third party information and content do not constitute or imply an endorsement, sponsorship, or recommendation by IENetwork of the third party or such information or content. You acknowledge and agree that IENetwork is not responsible for the availability of any such information or content and that IENetwork does not endorse or warrant, and is not responsible for, any such information or the content.

Subject to the Privacy Policy, We may offer You products and services on behalf of third parties who are not affiliated with Us ("Third Party Products") or the Services may include links to third party websites ("Third Party Sites"). You agree that We can use Your contact information, including name, address, and email address, for the purposes of offering Third Party Products to You in accordance with Your stated contact preferences. The Site or the Services may link to Third Party Products and Third Party Sites which require Your contact information. When you click on any link to these Third Party Products and Services, You understand and consent that We may use Your contact information as necessary to provide you with these Third Party Products and Third Party Sites without informing you that we are sharing Your contact information. If You decide to use any Third Party Products or access any Third Party Sites, You are responsible for reviewing the third party's separate product terms, website terms and privacy policies. You acknowledge and agree that IENetwork has no responsibility for the information, content, products, services, advertising, code or other materials which may or may not be provided by or through Third Party Sites, even if they are owned or run by Our affiliates. Links to Third Party Sites do not constitute an endorsement or sponsorship by Us of such websites or the information, content, products, services, advertising, code or other materials presented on or through such websites. In addition, IENetwork disclaims any liability for links (1) from another website to the Site and (2) to another website from the Site. IENetwork cannot guarantee the standards of any website to which links are provided on the Site and IENetwork will not be held responsible for the contents of such Site, or any subsequent links. IENetwork does not represent or warrant that the contents of any Third Party Site are accurate, compliant with state or federal law, or compliant with copyright or other intellectual property laws. IENetwork is not responsible for any transmission received from any Third Party Site. Any reliance on the contents of a third party website is done at Your own risk and You assume all responsibilities and consequences resulting from such reliance.

You may link to the Site so long as you (a) link to the full version of an HTML formatted page of the Site; (b) do not link directly to any image hosted on the Site, such as using an "in-line" linking method to cause the image hosted by us to be displayed on another website; and (c) do not link from any other website to the Site in any manner such that the Site, or any page of the Site, is "framed," surrounded or obfuscated by any third party content, materials or branding. We reserve all of our rights under the law to insist that any link to the Site be discontinued, and to revoke Your right to link to the Site from any other website at any time.

N. Indemnification


To the maximum extent permitted by law, You agree to indemnify, defend and hold IENetwork and its affiliates, members, officers, directors, employees, agents, and licensors harmless from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including, without limitation, reasonable attorneys' fees), arising out of or related in any way to (1) Your use of the Site and Services, (2) Your submission, posting, transmittal, display, storage, distribution, removal or any other use of any User Information, Content and/or any other materials or content, (3) Your violation of the Terms of Service, (4) Your violation of any law or regulation, or violation of any proprietary or privacy right, (5) Your violation of any third party intellectual property right, including, without limitation, copyright, patent, trademark or trade secret; or (6) any claim that Your User Information or submission of any other information or content by You caused damage to a third party. This indemnification obligation will survive any termination of the Terms of Service and Your use of the Site and Services. IENetwork reserves the right, but not the obligation, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You, and in such case, You agree to cooperate with IENetwork's defense of such claim.

O. Disclaimer of Warranties


YOU AGREE TO ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE, THE SERVICES AND THE CONTENT. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER IENETWORK NOR ITS OFFICERS, MEMBERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, INFORMATION PROVIDERS, LICENSORS OR LICENSEES ("RELATED PARTIES") MAKE ANY EXPRESS, IMPLIED OR STATUTORY WARRANTIES OR REPRESENTATIONS WHATSOEVER WITH RESPECT TO THE SITE, THE SERVICES OR THE CONTENT, AND HEREBY SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NEITHER IENETWORK NOR ANY RELATED PARTIES ENDORSE OR MAKE ANY REPRESENTATION OR WARRANTY WITH RESPECT TO THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF THE SITE, THE SERVICES OR THE CONTENT OR THAT THE SITE, THE SERVICES OR THE CONTENT IS NON-DEFAMATORY, NON-INFRINGING OR OTHERWISE LAWFUL. NEITHER IENETWORK NOR ANY RELATED PARTIES WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE, THE SERVICES OR THE CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE SITE, THE SERVICES OR THE CONTENT WILL BE CORRECTED. NEITHER IENETWORK NOR ANY RELATED PARTIES GUARANTEE OR WARRANT THAT FILES AVAILABLE FOR DOWNLOADING WILL BE FREE FROM INFECTION BY SOFTWARE VIRUSES OR OTHER HARMFUL COMPUTER CODE, FILES OR PROGRAMS. IN ADDITION, INFORMATION PROVIDED ON OR THROUGH THE SITE, SUCH AS PRICE QUOTES AND COVERAGE INFORMATION MAY BE TIME SENSITIVE, MAY BE OUTDATED, MAY BE SUBJECT TO CERTAIN REQUIREMENTS OR MAY BE INACCURATE FOR ADDITIONAL REASONS; ACCORDINGLY, IENETWORK DISCLAIMS THE ACCURACY AND COMPLETENESS OF ALL CONTENT ON THE SITE. THE SITE, THE SERVICES AND THE CONTENT ARE PROVIDED ON AN "AS IS," "WHERE IS," "WHERE AVAILABLE" AND "AS AVAILABLE" BASIS. YOU ACKNOWLEDGE THAT ANY RELIANCE ON OR USE OF THE SITE, THE SERVICES OR THE CONTENT IS AT YOUR SOLE RISK. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, IENETWORK HAS NO OBLIGATION TO INDEMNIFY, DEFEND OR HOLD YOU HARMLESS FROM OR AGAINST ANY CLAIMS RELATED TO INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS.

Some jurisdictions limit or do not allow the disclaimer of implied or other warranties so the above disclaimer may not apply to You.

P. Limitation of Liability


TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER IENETWORK NOR ANY RELATED PARTY WILL BE LIABLE TO ANY PERSON OR ENTITY FOR ANY CLAIM RELATING TO THE SUBJECT MATTER OF THE TERMS OF SERVICE, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY, FOR (I) ANY AMOUNTS IN EXCESS OF THE AGGREGATE AMOUNT OF FEES PAID BY YOU TO IENETWORK DURING THE TWELVE (12) MONTH PERIOD PRIOR TO SUCH CLAIM ARISING, (II) ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR LOST PROFITS OR REVENUE, (III) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS, TECHNOLOGY OR SERVICES, OR (IV) LOSS OR CORRUPTION OF DATA OR INTERRUPTION OF USE. YOU SPECIFICALLY AGREE THAT IENETWORK WILL NOT BE LIABLE FOR ANY USERS' CONTENT, USER FILES OR DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT YOU ASSUME THE FULL RISK OF HARM OR DAMAGE FROM THE FOREGOING.

Some jurisdictions do not allow the limitation of liability for certain damages so the above limitation of liability may not apply to You. If applicable law limits the application of the provisions of this Section, IENetwork's liability will be limited to the maximum extent permitted by applicable law.

Q. Your Representations and Warranties


By using the Site, the Services or the Content You represent and warrant that (1) if You have an Account, you have truly, accurately and completely identified Yourself through Your Account and will maintain the accuracy and completeness of such identification; (2) You are a corporation or other business entity authorized to do business pursuant to applicable law, or an individual 18 years of age or older; (3) You have the full right and authority to enter into, execute and perform Your obligations under the Terms of Service and that no pending or threatened claim or litigation known to You would have a material adverse impact on Your ability to perform as required by these Terms of Service; (4) Your activities on the Site do not and will not violate the Terms of Service or the rights of any third party, including infringing or misappropriating any third parties' intellectual property and publicity rights; (5) You understand and agree that the Terms of Service is a legally binding agreement and the equivalent of a signed, written contract; (6) You will use the Site and the Services in a manner consistent with all laws and regulations and in accordance with the terms and conditions of the Terms of Service; (7) You are authorized to sign for and bind the person or entity using the Site or the Services; and (8) You will not impersonate any person or entity, misrepresent any affiliation with another person, entity, or association, use false headers, or otherwise conceal Your identity from IENetwork or in any material that You post or submit on the Site for any purpose.

R. Notices


We may be required by law or the Terms of Service, or otherwise desire to send You communications about the Services or Third Party Products. You agree that We may send these communications to Your contact points listed in Your Account, and such notices will be deemed received three (3) days after they are sent. We may also post these communications on the Site, in which case the communications will be deemed received upon posting on the Site. You may send notices pursuant to these Terms of Use to support@ienetwork.com, and such notices will be deemed received three (3) days after they are sent.

S. Force Majeure


In no event will We be liable to You for any failure or delay by Us (or Our agents, contractors, owners, officers, directors, employees, representatives and other applicable third parties) in performing our obligations under the Terms of Service, if the failure or delay is caused by an event or condition beyond our control.

T. Remedies


You acknowledge and agree that damages are an inadequate remedy in the event of an actual, intended or threatened breach of the Terms of Service and that any such breach by You will cause Us irreparable injury and damage. Accordingly, You agree that We shall be entitled to preliminary and permanent injunctive relief in the event of an actual, intended or threatened breach by You, without any requirement to post a bond or prove any actual damages to You (and without waiving any additional rights or remedies, including monetary damages, otherwise available to Us at law, in equity or by statute).

U. Governing Law; Exclusive Jurisdiction


The Terms of Use and any disputes relating to the Site, the Services or the Terms of Use shall be governed by and construed in accordance with the laws of the State of Utah. The Uniform Computer Information Transactions Act is hereby excluded and shall not apply to the Terms of Service. Any disputes hereunder shall be within the exclusive jurisdiction of the state and/or federal courts located within Utah County, Utah (or, if none, Salt Lake County, Utah), and the parties hereby consent to such exclusive jurisdiction and waive objections to venue therein and jurisdiction thereof. In any action to enforce the Terms of Service, the prevailing party will be entitled to recover its costs and attorney's fees. Any cause of action You may have with respect to Your use of the Site or the Services must be commenced within one (1) year after the claim or cause of action arises.

V. Severability


If any portion of the Terms of Service is held by a court of competent jurisdiction to be invalid or unenforceable, the remaining portions of the Terms of Service will remain in full force and effect and, upon our request, the court will construe any invalid or unenforceable portions in a manner that most closely reflects the effect and intent of the original language. If such construction is not possible, the provision will be severed from the Terms of Service and the rest of the Terms of Service shall remain in full force and effect.

W. Miscellaneous


The Terms of Service together with all policies and agreements referenced herein constitutes the entire agreement between IENetwork and You with respect to the Site, the Services and the Content, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between You and IENetwork with respect to the Site, the Services and the Content, unless an agreement specifically provides that it is not superseded by the Terms of Service. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. You may not assign the Terms of Service or any part of the Terms of Service without the express written consent of IENetwork. You agree that IENetwork may assign the Terms of Service or any part of the Terms of Service at any time and for any reason without notice or Your consent. IENetwork may also delegate, subcontract or engage any third party to perform any part of the Services or any of IENetwork's obligations under these Terms of Service at any time and for any reason without notice or Your consent. The parties are independent contractors and will so represent themselves in all regards. Neither party is the agent of the other and neither may bind the other in any way. Neither party will be deemed to have waived any of its rights under the Terms of Service by lapse of time or by an statement or representation other than (a) by an authorized representative and (b) in an explicit written waiver. No waiver of a breach of the Terms of Service constitute a waiver of any prior or subsequent breach of the Terms of Service.

X. Notice for California Users


This notice is for California users of the Site: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (914) 445-1254 or (800) 952-5210.