Insurance Headlines - Insurance Headlines.com is the premier online news source that insurance & financial professional rely on - making Insurance Headlines.com the top choice for syndicating news on the world wide web.

 

 

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Terms & Conditions

ACCEPTANCE OF TERMS

Insurance Headlines provides its service to you subject to the following Terms of Service ("TOS"), which may be updated by us from time to time without notice to you. You can review the most current version of the TOS at any time at: http://www.insuranceheadlines.com/terms_conditions.php. In addition, when using particular Insurance Headlines owned or operated services, you and Insurance Headlines shall be subject to any posted guidelines or rules applicable to such services, which may be posted from time to time. All such guidelines or rules (including but not limited to our Spam Policy) are hereby incorporated by reference into the TOS. Insurance Headlines may also offer other services that are governed by different Terms of Service.

DESCRIPTION OF SERVICE

Insurance Headlines provides users with access to a rich collection of resources, including various communications tools, forums, news feeds, search services, personalized content, financial content and branded programming through its network of properties which may be accessed through any various medium or device now known or hereafter developed (the "Service"). You also understand and agree that the Service may include advertisements and that these advertisements are necessary for Insurance Headlines to provide the Service. You also understand and agree that the Service may include certain communications from Insurance Headlines, such as product & service announcements, sponsor messages and the Insurance Headlines Newsletters, and that these communications are considered part of Insurance Headlines subscriber services and you are allowed to opt out of receiving them. Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new Insurance Headlines properties, shall be subject to the TOS. You understand and agree that the Service is provided "AS-IS" and that Insurance Headlines assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings. You are responsible for obtaining access to the Service, and that access may involve third-party fees (such as Internet service provider or airtime charges). You are responsible for those fees, including those fees associated with the display or delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.

Unless otherwise noted, all materials, including, but not limited to, news articles, images, illustrations, designs, icons, photographs, video clips and audio clips that are part of the web site (collectively, the "Content") are protected by copyright and owned, controlled or licensed by Insurance Syndication, LLC, 9273 N Armenia Ave Suite #201, Tampa, FL, U.S.A. (hereafter "Insurance Headlines.com") or the party credited as the provider of the Content. You will abide by all additional copyright notices, information or restrictions contained in any Content accessed through the web site.

YOUR SUBSCRIBER & PUBLISHER OBLIGATIONS

In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service's  ("Newsletter Subscription Form" and "News Posting Form") and (b) maintain and promptly update the data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Insurance Headlines has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Insurance Headlines has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof). Insurance Headlines is concerned about the safety

The Insurance Headlines web site Service is directed to adults and is not directed to children under the age of 13. Insurance Headlines cannot prohibit minors from visiting the web site. Insurance Headlines must rely on parents, guardians and those responsible for supervising children under 13 to decide which materials are appropriate for such children to view and/or purchase. Insurance Headlines does not permit registration by and will not knowingly collect personally identifiable information from anyone under 13.

 PRESS RELEASES, NEWS POST & BLOGS.

Insurance Headlines welcomes press releases, news post and blogs from professionals and members of the public relative to the insurance and financial industry. Insurance Headlines is a specialized publication, so please limit your postings to matters concerning the insurance and financial industry or to significant events affecting it.

Press releases, news posts & blogs may be sent by completing our online post form at http://www.insuranceheadlines.com/post_news.php. There is a daily process for all press releases received.

Insurance Headlines objective is to post the top daily insurance articles and newsletters that are interesting, informative and valuable to our subscribers and readers. We reject some press releases because they are really ads and not press releases, even though we are aware there can be just a fine line between the two. Your press release should be sure to include information that is newsworthy and/or educational. Users will remain solely responsible for the content of their communications. Insurance Headlines has the right but not the obligation to monitor, reproduce, copy, distribute, modify, edit, create derivative works from and publish your submissions (in original or edited form) on the Insurance Headlines.com websites, newsletters, syndicated RSS feeds and java scripts.

Your postings will be used only in a noncommercial manner. You will not, without our express approval, distribute or otherwise publish any material containing any solicitation of funds, promotion, advertising, or solicitation for goods or services. You specifically acknowledge that soliciting other guests of the web site to join or become members of any commercial online or offline service or other organization is expressly prohibited.

You agree that you will not upload to, distribute through, or otherwise publish on the web site any content which is libelous, defamatory, obscene, pornographic, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable that would constitute or encourage a criminal offense, violate the rights of any party, or that would otherwise give rise to liability or violate any law. In addition, personal (ad hominem) attacks, social diatribes and political statements (unless they pertain to insurance) are an improper and are strictly prohibited on this web site.

SUBMISSIONS OF  PRESS RELEASES, NEWS POST & BLOGS.

Submissions of articles, press releases, news post, blogs and/or photographs/images for posting on the Website ("submissions") are encouraged at any time and must be submitted on our online posting form located at http://www.insuranceheadlines.com/post_news.php. Please inform us if any part of your submission has been previously published, and if so, where and when it has appeared. Insurance Headlines reserves the right to refuse to post or to accept for publication any submission on the web site is our sole discretion.

By providing your submissions to us, you grant us a perpetual, non-exclusive, irrevocable and royalty-free right and license to reproduce, copy, distribute, modify, edit, create derivative works from and publish your submissions (in original or edited form) on the Insurance Headlines.com websites, newsletters, syndicated RSS feeds and java scripts. You retain your copyright interest as owner and/or author of your submissions and you retain all other proprietary rights in and to such submissions. In our discretion we may add Insurance Headlines copyright notices to submissions, where appropriate, if your submissions don't already bear an appropriate copyright notice. When you provide submissions to us, you represent and warrant that: (i) you are the sole author of the submission and/or you own the copyright and/or you have sufficient authority from the author or authors to grant us the rights and licenses set above; and (ii) the submission is a work original to the author (unless identified by you as containing original works of third parties) and that such submission, including all third party works of authorship, does not infringe any copyright, trademark, trade name (or knowingly infringe any patent or any other proprietary right) of any third party.

Unless we execute a written agreement with you stating otherwise, neither you nor any of your licensors will be paid for our use of any article, text, photograph, image or other submission that you provide to us. Any article, text, photograph, image or other published submission will remain in the archives on the web site in perpetuity or until such time as the web site removes the material.

We may transfer this license and its obligations hereunder at any time and without prior consent to any corporate successor in interest, acquirer or other entity that purchases or otherwise obtains substantially all of our business assets or stock, or to any parent corporation or entity, any subsidiary corporation or entity, or any of our divisions that are operated as a separate business.

You will indemnify and hold harmless Insurance Headlines and all officers, directors, shareholders, employees, authorized representatives and agents form and against all claims and expenses, including attorneys' fees, arising out of any messages, information or materials uploaded, posted, distributed, or transmitted to or though this site by you.

Insurance Headlines has no responsibility for the content of any messages, information or materials uploaded, posted, distributed, or transmitted by you of this site. However, Insurance Headlines retains the right, but not the obligation in its sole discretion, to monitor, review, delete or refuse to post any third-party content that Insurance Headlines deems to be objectionable.

 INSURANCE HEADLINES PRIVACY POLICY

Registration Data and certain other information about you is subject to our Privacy Policy. For more information, click here to see our full privacy policy. You understand that through your use of the Service you consent to the collection and use (as set forth in the Privacy Policy) of this information, including the transfer of this information to the United States and/or other countries for storage, processing and use by Insurance Headlines and its affiliates.

SPECIAL ADMONITIONS FOR INTERNATIONAL USE

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

INDEMNITY

You agree to indemnify and hold Insurance Headlines and its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.

NO RESALE OF SERVICE

You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of Insurance Headlines articles, press releases, news post, blogs, newsletters and services.

MODIFICATIONS TO SERVICE

Insurance Headlines reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Insurance Headlines shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

TERMINATION

You agree that Insurance Headlines may, under certain circumstances and without prior notice, immediately terminate your Insurance Headlines account, any associated email address, and access to the Service. The privileges granted to you by these terms, including the maintenance of a member account, will terminate immediately without notice from Insurance Headlines if, in our sole discretion, you fail to comply with any provision of these terms. Upon termination, you must destroy all content obtained from the web site and all copies thereof, whether made under these terms or otherwise. Insurance Headlines may take such further action as Insurance Headlines determines to be appropriate under the circumstances to eliminate or preclude repeat violations, and Insurance Headlines will not be liable for any damages of any nature suffered by any customer, user, or any third party resulting in whole or in part from Insurance Headlines exercise of its rights under these terms and conditions.

DEALINGS WITH ADVERTISERS


Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that Insurance Headlines shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.

LINKS

The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because Insurance Headlines has no control over such sites and resources, you acknowledge and agree that Insurance Headlines is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Insurance Headlines shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

INSURANCE HEADLINES PROPRIETARY RIGHTS

You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or by advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Insurance Headlines or advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part.

RSS, RDF & JAVA SCRIPTS NEWS FEEDS

Insurance Headlines grants you a personal, non-commercial, non-transferable and non-exclusive right and license to use our RSS, RDF & Java Script News Feeds on a single domain URL; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the news feeds. You agree not to modify the RSS, RDF & Java Script news feeds in any manner or form, nor to use modified versions of the news feeds, including (without limitation) for the purpose of profiting by unauthorized commercial use which are strictly prohibited. You agree not to access the Service by any means other than through the interface that is provided by Insurance Headlines for use in accessing the Service.

The RSS, RDF & Java Script feeds are provided free of charge for use by individuals and non-profit organizations for personal, non-commercial uses. We ask that you provide attribution to Insurance Headlines.com in connection with your use of the feeds. If you provide this attribution in text, please use: "Insurance Headlines.com." If you provide this attribution with a graphic, please use the Insurance Headlines.com logo that we have included in the feed itself. We reserve all rights in and to the Insurance Headlines.com logo, and your right to use the Insurance Headlines.com logo is limited to providing attribution in connection with these RSS feeds. We are also including the provider of each individual news story in the feed alongside each headline. Please do not alter this for display. We want our news partners to be attributed for their work. Insurance Headlines.com also reserves the right to require you to cease distributing these feeds at any time for any reason.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. INSURANCE HEADLINES AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

INSURANCE HEADLINES AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS; (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; AND (v) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM INSURANCE HEADLINES OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.

LIMITATION OF LIABILITY


YOU EXPRESSLY UNDERSTAND AND AGREE THAT INSURANCE HEADLINES AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF INSURANCE HEADLINES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

EXCLUSIONS AND LIMITATIONS

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 17 AND 18 MAY NOT APPLY TO YOU.

SPECIAL ADMONITION FOR SERVICES RELATING TO FINANCIAL MATTERS

If you intend to create or join any service, receive or request any news, messages, alerts or other information from the Service concerning companies, stock quotes, investments or securities, please read the above Sections 18 and 19 again. They go doubly for you. In addition, for this type of information particularly, the phrase "Let the investor beware" is apt. The Service is provided for informational purposes only, and no Content included in the Service is intended for trading or investing purposes. Insurance Headlines and its licensors shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the Service, and shall not be responsible or liable for any trading or investment decisions based on such information.

NO THIRD-PARTY BENEFICIARIES

You agree that, except as otherwise expressly provided in this TOS, there shall be no third-party beneficiaries to this agreement.

NOTICE

Insurance Headlines may provide you with notices, including those regarding changes to the TOS, by email, regular mail or postings on the Service.

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT

Insurance Headlines respects the intellectual property of others, and we ask our users to do the same. Insurance Headlines may, in appropriate circumstances and at its discretion, disable and/or terminate the accounts of users who may be repeat infringers. If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide Insurance Headlines Copyright Agent the following information:

  • an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

  • a description of the copyrighted work or other intellectual property that you claim has been infringed;

  • a description of where the material that you claim is infringing is located on the site;

  • your address, telephone number, and email address;

  • a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

  • a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

Insurance Headlines's Agent for Notice of claims of copyright or other intellectual property infringement can be reached as follows:

By mail:
Copyright Agent
c/o Insurance Headlines
9724 N Armenia Ave Suite #201
Tampa, FL 33612
By phone: (800) 323-5759
By email: copyright@insuranceheadlines.com

GENERAL INFORMATION


Entire Agreement. The TOS constitutes the entire agreement between you and Insurance Headlines and governs your use of the Service, superseding any prior agreements between you and Insurance Headlines with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other Insurance Headlines services, affiliate services, third-party content or third-party software.

Choice of Law and Forum. The TOS and the relationship between you and Insurance Headlines shall be governed by the laws of the State of Florida without regard to its conflict of law provisions. You and Insurance Headlines agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Hillsborough, Florida.

Waiver and Severability of Terms. The failure of Insurance Headlines to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.

No Right of Survivorship and Non-Transferability. You agree that your Insurance Headlines login information are non-transferable and any rights to your Insurance Headlines services or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The section titles in the TOS are for convenience only and have no legal or contractual effect.

VIOLATIONS


Please report any violations of the TOS to our Customer Care group.

 

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