TERMS AND CONDITIONS
WWW.FINDYOURPOLICY.COM ("Site") is an Internet property of HART TO HART WORLD TRADERS LLC ("we," "us"). PLEASE READ THE TERMS AND CONDITIONS OF USE ("TERMS") CAREFULLY BEFORE USING THIS SITE.
BY ACCESSING OR USING THE SITE, YOU AND ANY ENTITY YOU ARE AUTHORIZED TO REPRESENT ("YOU" OR "YOUR") AGREE TO BE BOUND BY THESE TERMS. THESE TERMS CONSTITUTE AN AGREEMENT GOVERNING YOUR ACCESS TO AND USE OF THE SITE.
THESE TERMS AND CONDITIONS CALL FOR ARBITRATION OF DISPUTES. PLEASE SEE THE "ARBITRATION" SECTION BELOW FOR DETAILS.
WE MAY MODIFY THESE TERMS AT ANY TIME WITHOUT NOTICE TO YOU BY POSTING REVISED TERMS ON OUR SITE. CONTINUED USE OF THE SITE CONSTITUTES YOUR BINDING ACCEPTANCE OF ANY MODIFICATIONS.
Warranties And Disclaimers
THIS SITE IS FOR INFORMATION USE ONLY. WE DO NOT GIVE LEGAL ADVICE AND NOTHING ON OUR SITE SHOULD BE CONSTRUED AS LEGAL ADVICE DIRECTED TO YOU. WE DO NOT WARRANT THE ACCURACY, ADEQUACY, COMPLETENESS, OR TIMELINESS OF THE INFORMATION CONTAINED IN OR LINKED TO THE SITE. YOUR USE OF INFORMATION AND RESOURCES ON THE SITE OR LINKED TO FROM THE SITE IS ENTIRELY AT YOUR OWN RISK. THE SITE IS NOT THAT OF A LAW FIRM, NOR IS IT A LAWYER REFERRAL SERVICE.
YOU UNDERSTAND AND AGREE THAT TO THE EXTENT PERMITTED BY LAW:
(a) SERVICES AND CONTENT ON THIS SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND AGAINST INFRINGEMENT.
(b) WE MAKE NO WARRANTY THAT: (i) THE FUNCTIONS OF AND SERVICES PROVIDED IN THIS SITE WILL BE UNINTERRUPTED, SECURE OR ERROR- FREE; (ii) DEFECTS WILL BE CORRECTED; OR (iii) THIS SITE OR THE SERVER THAT MAKES THE SERVICES AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. (iv) THE INFORMATION INPUT BY THE CLIENT IS CORRECTLY SUBMITTED OR UP TO DATE.
(c) WE MAKE NO WARRANTY REGARDING THE ACCURACY, VERACITY, INTEGRITY OR QUALITY OF THE CONTENT, SITES OR RESOURCES MADE AVAILABLE ON OR FROM THIS SITE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY THAT SUCH CONTENT, SITES OR RESOURCES WILL BE FREE OF MATERIAL THAT IS OFFENSIVE, INDECENT OR OBJECTIONABLE.
(d) ANY MATERIAL AND INFORMATION THAT YOU INPUT THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY INFORMATION/DATA THAT YOU HAVE INPUT. UPLOAD.
Limitation of Liability
IN NO EVENT SHALL WE BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION, THOSE RESULTING FROM: (1) RELIANCE ON THE MATERIALS PRESENTED OR IT’S ACCURACY, (2) LOSS OF USE, DATA OR INFORMATION, (3) DELAYS OR BUSINESS INTERRUPTIONS, (4) AND ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS SITE WHETHER OR NOT YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY IS TO DISCONTINUE USE OF THE SITE.
Privacy
Your privacy is important to us. All information gathered by us from you in connection with your use of this site is subject to the provisions of the Open List Privacy Statement. We do not control, nor are we responsible for, the privacy practices of those sites to which we link and, therefore, you agree to read the privacy policies of those sites.
Indemnification
You agree to indemnify, defend and hold us, and all our officers, members, managers, directors, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms, including, without limitation, our reasonable attorneys' fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without our written consent.
Arbitration
The arbitrator(s) will have no authority to award punitive or other damages not measured by the prevailing party's actual damages, except as may be required by statute. Any decision rendered by the arbitrators shall include findings of fact and conclusions of law. The arbitration shall take place in New York, New York, and shall be conducted in the English language. Either party also may, without waiving any remedy under these Terms and Conditions, seek from any court having jurisdiction any interim or provisional relief that is necessary to protect the rights or property of that party, pending the establishment of the arbitral tribunal (or pending the arbitral tribunal's determination of the merits of the controversy).
Information We Collect
General
When you register, and at other times, we will collect personally identifiable information from you that may include your name, age, address, e-mail address, credit-card number information.
Usage Information
We automatically collect IP addresses and registration, license and usage information from you when you use the service. This information helps us to understand how our users utilize the services on an aggregate basis as well as understanding the frequency and duration of usage of the different aspects and information elements included within the services.
How We Use Information Collected
We may use information in the following ways:
- For the purposes for which you specifically provided the information including, for example, to enable us to process, validate and verify membership applications or subscriptions.
- To identify you and assist you to register, subscribe or login to the services more easily.
- To conduct appropriate checks for credit-worthiness or fraud.
- To enhance existing features or develop new features products and services.
- To provide advertisers and other third parties with aggregate information about our user base and usage patterns.
We may use third party network advertisers to deliver Post Cards to you on our behalf. We may also use third-party service providers to contact you on our behalf, or facilitate some aspects of our services. These network advertisers and service providers may be supplied with or have access to your personally identifiable information solely for the purpose of providing these services to us or on our behalf. Except as specifically set forth in this Privacy Policy, we will not share your personally identifiable information outside of the developers.
We may disclose and use personally identifiable information in special circumstances where it is necessary to enforce our Terms of Use (for example, when necessary to protect our intellectual property rights). We may also disclose your personal information to our professional advisers, including our accountants, auditors and lawyers. We may, further, disclose and use your personal information when we, in good faith, believe that the law requires us to do so.
Cookies
We may employ cookie technology to help visitors, members and subscribers get better response time from our services. When you utilize the services we may pass cookies to your computer. A cookie is a string of information that is sent by a Web site and stored on your hard drive or temporarily in your computer's memory. The use of cookies is an industry standard and you will find that most major websites use them. Most Internet browsers are pre-set to accept cookies. If you prefer not to receive cookies, you can adjust your Internet browser to reject cookies or to warn you when cookies are being used.
Security
The personally identifiable information we collect about you is stored in limited access servers. We will maintain safeguards to protect the security of these servers and your personally identifiable information.
Credit card information is among the most important data that we collect. This is collected on limited access servers and stored and transmitted using advanced encryption technology. This information will only be released to our bankers for the purpose of processing authorized payments, unless required by law. For obvious reasons, please do not send credit card information via unsecured e-mail.
Policy Modifications
We may change this Privacy Policy from time to time. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent. This policy was last updated on 19TH of September 2007.
Termination
We may discontinue or suspend the Site at any time without notice. We may also may block, terminate or suspend your access to the Members' section of the Site at any time for any reason in our sole discretion, even if access to the Site continues to be allowed to other users. Upon such suspension or termination, you must immediately discontinue use of the Site. You acknowledge and agree that we shall not be liable to you or any person or entity making a claim through you for any termination or suspension of your access to the Site.
Restrictions On Use
(a) you may not use the Site or any materials obtained from the Site to develop, of as a component of, any information, storage and retrieval system, database, information base, website, or similar resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism;
(b) you may not create compilations or derivative works of any Content from the Site;
(c) you may not use any Content from the Site in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of us or any third parties;
(d) you may not remove, change or obscure any copyright notice or other proprietary notice or terms of use contained in the Site; ;
(e) you may not use any automatic or manual process to harvest information from the Site;
(f) you may not download, post, email or otherwise transmit any software virus or other computer code, files or programs designed to interrupt, destroy, limit the functionality, or cause a denial or interruption of service of any computer software or hardware or telecommunications equipment of ours or any third party, including without limitation any telecommunications network;
(g) you may not copy, transmit, use, broadcast, distribute or modify any information or material in violation of patent, copyright, trademark or trade secret rights of any other person;
(h) you may not use this Site in any manner that violates any rules or regulations imposed on you by the owner of the computer equipment or by the Internet Service Provider you have chosen to use to access this Site;
(i) you may not violate or attempt to violate the security, efficiency, reliability, or integrity of this Site or its content in any way, including, without limitation, by accessing data, servers or accounts which you are not authorized to access, forging TCP/IP packet headers or payloads or accessing or attempting to access parts of this Site that are subject to access restrictions;
(l) you may not use the Site in a manner that violates any state or federal law
General Information
These Terms constitute the entire agreement between you and us with respect to the subject matter hereof, and govern your use of this site, superseding any prior agreements between you and us. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party Content or third-party software. These Terms and the relationship between you and us will be governed by the laws of the State of Florida without regard to its conflict of law provisions. The parties agree to submit to the personal and exclusive jurisdiction of the courts located within Broward County, Florida, for any dispute arising under or relating to the subject matter of these Terms. Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is found invalid or unenforceable, that provision will be enforced to the maximum extent possible, while the remaining provisions of these Terms will remain in full force and effect.
