2. Privacy and Security
FreeAnnuityRates does not intentionally target anyone under the age of 16. Our Sites and services are not directed toward people under the age of 16, nor do we knowingly collect information from individuals under the age of 16. Individuals between the ages of 16 and 18 are granted permission to use our Sites only with the permission of their parent or guardian.
4. Links to Third Party Web sites
FreeAnnuityRates' Sites may contain links to third party sites. These links are provided for your convenience, however FreeAnnuityRates' hosting of these links is not an endorsement of any particular company. Be aware that FreeAnnuityRates is not responsible for the privacy practices of other sites; we encourage you to thoroughly read the privacy policies of third party sites linked from our Sites to ensure that you are comfortable with their practices.
5. Content, Copyright and Trademark
All text, graphics, photographs, trademarks, logos, and computer code contained on the Sites (collectively, "Content"), including but not limited to the design, "look and feel" and arrangement of such Content, is owned, controlled or licensed by FreeAnnuityRates and/or its suppliers and participating agents. Except as otherwise provided herein, none of the Content may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, without our express prior written permission. Permission is hereby granted to lawfully access and use the Sites to display, download, archive and print, portions of the Sites on a temporary basis for your individual use. You may not otherwise modify or download any Content on the Site without the prior express written permission of FreeAnnuityRates.
FreeAnnuityRates intends that the information contained on our Sites is accurate and reliable; even so, errors can sometimes occur. We reserve the right to make changes and/or additions to our Sites or the information contained on these Sites at any time.
FreeAnnuityRates is not responsible for errors or delays in matching your quote request with qualified agents if personal information such as email address and phone number are not entered correctly. We are also not responsible for any quotes agents may generate that are the result of incorrectly entered quote request information.
WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE SITES, THE SERVICES YOU MAY OBTAIN THROUGH THE SITES, OR THE CONTENT, WHICH ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SITES, ANY WEBSITE WITH WHICH THEY ARE LINKED, ANY SERVICES PROVIDED ON THE SITES, AND THE RESULTS YOU MAY OBTAIN FROM USING THE SITES OR THE SERVICES. WE DO NOT WARRANT THAT THE SITES, THEIR SERVERS OR E-MAIL SENT FROM US OR AGENTS USING OUR SERVICES WILL BE FREE OF ANY HARMFUL COMPONENTS (INCLUDING VIRUSES). WE DO NOT PROVIDE ANY REPRESENTATIONS OR WARRANTIES AGAINST THE POSSIBILITY OF DELETION, MISDELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS, OR OTHER DATA.
7. Exclusion of Liability
8. Your Use of the Sites
You agree to use the Sites in a manner consistent with any and all applicable laws, rules and regulations. You agree not to upload or transmit through the Sites any computer viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer. Any unauthorized modification, tampering or change of any information, or any interference with the availability of or access to the Sites is strictly prohibited. InsuranceRatesPlus reserves all rights and remedies available to it.
You may not use any "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process to access, acquire, copy or monitor any portion of the Sites or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Sites or any Content, to obtain or attempt to obtain any materials or information through any means not purposefully made available through the Sites. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Sites or any transaction being conducted on the Sites, or with any other person's use of the Sites.
9. Right to Modify or Discontinue Sites
FreeAnnuityRates reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites (or any part thereof) with or without notice. You agree that FreeAnnuityRates will not be liable to you or to any third party for any modification, suspension or discontinuance of the Sites.
10. Other Agreements
This Agreement will be governed and construed in accordance with the laws of the State of California and the United States without regard to any conflict of laws principles that would require the application of the laws of another jurisdiction. Any dispute arising under or in connection with this Agreement will be heard exclusively in the state and federal courts for the County of Orange, California; you hereby expressly and irrevocably consent and waive any objection to the personal jurisdiction, venue and convenience of such courts. No waiver by FreeAnnuityRates of any breach of or right under this Agreement will be a waiver of any preceding or succeeding breach or any other right.