RESTRICTIONS ON USE OF MATERIALS. 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 Wells Media Group, Inc. 3570 Camino del Rio N., San Diego, CA 92108, U.S.A. (hereafter “Insurance.TV”) 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.
No Content from the Web site may be copied, reproduced, framed, hyperlinked, republished, downloaded, uploaded, posted, transmitted, or distributed in any way; provided, however, you may download, where specifically permitted, one copy of the Content on any single computer for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices. Copying or storing of any Content for other than personal use is expressly prohibited without prior permission from firstname.lastname@example.org, or the copyright holder identified in the copyright notice contained in the Content.
If you wish to build a hyperlink to the Web site, you may do so provided you agree to cease such link upon request from Insurance.TV. No other use is permitted without prior written permission of Insurance.TV.
Use of any robot, spider, other automatic device, or manual process to monitor or copy our Web pages or the Content is strictly forbidden.
USAGE BY CHILDREN UNDER 13. The Web site is directed to adults and is not directed to children under the age of 13. Insurance.TV cannot prohibit minors from visiting the Web site. Insurance.TV 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.TV does not permit registration by and will not knowingly collect personally identifiable information from anyone under 13.
MEMBER ACCOUNT. If you register as a user of this Web site, you will be assigned a username and password that is unique to you. You are responsible for maintaining the confidentiality of the username and password, and responsible for all activities that occur under your username and password. You agree to notify Insurance.TV of any unauthorized use of your username and password or other breach of security at email@example.com.
FEES AND PAYMENTS. Insurance.TV reserves the right at any time to charge fees for access to portions of the Web site or the Web site as a whole. However, in no event will you be charged for access to the Web site unless we obtain your prior agreement to pay such charges. You will pay all fees and charges incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred. You will pay all applicable taxes relating to use of the Web site through your account.
REFUND POLICY. Monthly subscriptions are not refundable. If you would like to cancel the autorenewal of your monthly subscription, please contact us at (800) 897-9965 x129 or email firstname.lastname@example.org. For subscriptions longer than 12 months, you may cancel and receive a credit for the unused portion of your subscription. If purchase was made within 60 days, your refund credit will be credited to the purchasing card, otherwise a check will be issued.
CONTENT & SERVICES OFFERED. Insurance.TV has the right at any time to change or discontinue any aspect of the Web site, including, but not limited to, the community areas, Content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions will be effective immediately upon posting and any subsequent use by you after such posting will conclusively be deemed to be acceptance by you of such changes, modifications or deletions.
FORUMS & POSTS. “Forum” means letters, e-mails or other types of communications to the editors, Webmaster(s) or employees of Insurance.TV, and messages posted in connection with online discussions on the Web site. Insurance.TV welcomes comments from insurance professionals and members of the public relative to the industry. However, as we are a specialized publication, please limit your postings to matters concerning the insurance industry or to significant events affecting it. Personal (ad hominem) attacks, social diatribes and political statements (unless they pertain to insurance) are an improper use of the forum.
You will not upload to, distribute through, or otherwise publish through a Forum 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.
The Forums 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.
SUBMISSIONS. Submissions of video clips, audio clips, articles, photographs or images for posting on the Web site (“submissions”) by approved third-party Content providers are encouraged at any time and must be submitted in electronic format via email to email@example.com. Please inform us if any part of your submission has been previously published, and if so, where and when it has appeared. The right to refuse to post or to accept for publication any submission on the Web site is our sole discretion.
To become an approved third-party Content provider, you must sign a Content Submission Agreement, a copy of which can be obtained by email request to firstname.lastname@example.org. Generally, approved third-party Content providers will be limited to clients of Insurance.TV, and Insurance.TV reserves the right to reject any request to become a third-party Content provider in its sole and absolute 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 Web site only. 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 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 (including, without limitation, all music synchronization rights, still photo, film or videotape footage licenses or other appropriate licenses); (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, patent, trademark, trade name or any other proprietary right of any third party (including, without limitation, any moral rights or any right of privacy or publicity); and (iii) with respect to video and audio submissions, you have obtained all required approvals and permits to film at the locations shown in the submission and all required approvals to use the sound recordings heard in the submission. We do not guarantee any confidentiality with respect to your submissions.
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 submission that you provide to us. Any submission will remain in the archives on the Web site in perpetuity or until such time as Insurance.TV removes the material.
We may transfer this license and our 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.TV and all officers, directors, shareholders, employees, authorized representatives and agents from and against all claims and expenses, including attorneys’ fees, arising out of any submissions, messages, information or materials uploaded, posted, distributed, or transmitted to or though this site by you.
Insurance.TV has no responsibility for the content of any submissions, messages, information or materials uploaded, posted, distributed, or transmitted by users of this site. However, Insurance.TV 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.TV deems to be objectionable.
REMOVAL REQUESTS. The Insurance.TV editorial staff strives to publish news stories which are accurate, based on credible sources, and verified. The Wells Media Group, Inc. management team reserves the right to remove any news story from any Wells Media Group, Inc. Web site at any time and for any reason solely within the team’s discretion. Generally, however, it is the policy of Wells Media Group, Inc. not to remove news stories from the Insurance.TV Web site simply upon the request of an individual, a corporation or counsel. If a request is made for a story to be removed from any Wells Media Group, Inc. Web site, the request will be reviewed by the management team to determine if the basis for the request has merit. Generally, if the team determines that the news story was based on a reliable and credible source, the story will not be removed from the Web site. If new or updated information is available on the story, at the discretion of the editorial management team, an “editor’s note” with the new information will be added to the original Web site story.
NON-TRANSFERABILITY. Your right to use this Web site is not transferable. Any password or right given to you to obtain information is not transferable.
JURISDICTION. Unless otherwise specified, the Content on the Web site is presented solely for the purpose of promoting publications and other products available in the United States, its territories, possessions, and protectorates. The Web site is controlled and operated by Insurance.TV from its offices within the State of California. Insurance.TV makes no representation that Content on the Web site is appropriate or available for use in other locations. Those who choose to access the Web site from other locations do so on their own initiative and are responsible for establishing the useability or correctness of any information or Content under any or all jurisdictions and the compliance of that information or Content with local laws, if and to the extent local laws are applicable. All users, including those users who access the Web site from a country other than the U.S., agree that the laws of the State of California will govern any dispute, including those arising from Insurance.TV’s use of personal information or otherwise relating to privacy.
DISCLAIMER. THE CONTENT IN THE WEB SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, INSURANCE.TV DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. INSURANCE.TV DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER(S) THAT MAKES THE WEB SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. INSURANCE.TV DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THE WEB SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT INSURANCE.TV) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL INSURANCE.TV BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE WEB SITE, EVEN IF INSURANCE.TV OR AN INSURANCE.TV AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL INSURANCE.TV’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEB SITE.
NOT ADVICE. This site may contain advice, opinions, and statements of various information providers and Content providers. The Content contained on the Web site has been prepared by Insurance.TV as a service to its readers and the Internet community and is not intended to constitute legal or professional advice, which is always fact specific. Insurance.TV has used reasonable efforts in collecting, preparing and providing quality information and material, but does not warrant or guarantee the accuracy, completeness, adequacy or currency of the information contained on or linked to the Web site. Users of information from the Web site or links do so at their own risk. Reliance upon any such opinion, advice, statement, or other information will also be at your own risk. Neither Insurance.TV nor its affiliates, nor any of their respective agents, employees, information providers or Content providers will be liable to any user or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any Content herein, regardless of cause, or for any damages resulting therefrom.
OTHER PRODUCTS. Any reference made by the Web site to any specific commercial product, process, or service (or provider of such product, process or service) by trade name, trademark, hyperlink, or otherwise, does not constitute or imply an endorsement, recommendation, or favoring by Insurance.TV. Content on the Web site may be provided by third parties and users. Any opinions, advice, statements, services, offers or other information expressed or made available by third parties, including information providers, users or others, are those of the respective author(s) or distributor(s) and do not necessarily state or reflect those of Insurance.TV.
LINKS TO OTHER WEB SITES AND SERVICES. To the extent that the Web site contains links to outside services and resources, Insurance.TV does not control the availability and content of those outside services and resources. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular service or resource.
REUTERS CONTENT. Reuters Content is the intellectual property of Reuters or its third party content providers. Any copying, republication or redistribution of Reuters Content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Reuters. Reuters shall not be liable for any errors or delays in Content, or for any actions taken in reliance thereon. Reuters and the Reuters Sphere Logo are registered trademarks of the Reuters group of companies around the world. For additional information on other Reuters Services please visit the Reuters public Web site – www.reuters.com.
SERVICE CONTACT. Contact email@example.com with questions or problems with this Web site.
NOTICE AND TAKEDOWN PROCEDURE. It is expected that all users of any part of Insurance.TV’s Web site will comply with applicable copyright laws. However, if Insurance.TV is notified of claimed copyright infringement, or otherwise becomes aware of facts and circumstances from which infringement is apparent, it will respond expeditiously by removing, or disabling access to, the material that is claimed to be infringing or to be the subject of infringing activity. Insurance.TV will comply with the appropriate provisions of the DMCA in the event a counter notification is received by its Designated Agent.
REPEAT INFRINGERS. Under appropriate circumstances, Insurance.TV may, in its discretion, terminate authorization of users of its Web site or network who are repeat infringers.
ACCOMMODATION OF STANDARD TECHNICAL MEASURES. It is Insurance.TV’s policy to accommodate and not interfere with standard technical measures it determines are reasonable under the circumstances, i.e., technical measures that are used by copyright owners to identify or protect copyrighted works.
3570 Camino del Rio North
San Diego, CA 92108
Telephone: (619) 584-1100