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Insurance.com Terms of Service

Revised October 20, 2009

Welcome to Insurance.com. This Terms of service applies to Insurance.com, Inc’s websites located at www.insurance.com and www.comparisonmarket.com and any other websites owned and operated by Insurance.com, Inc. (collectively “Site”). By using this Site, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any of these Terms of Service, please do not use this Site. Insurance.com reserves the right to update or change these Terms of Service (“Agreement”) at any time and for any reason, without notice. By continuing to use the Site, you agree to be bound by any such revisions and should therefore periodically visit and print the latest version of this Agreement for your records. For your information, the date of the last update to this Agreement is posted at the top of this page.

THIS AGREEMENT INCLUDES: Agreement to Contract Electronically Links to Third Party Web Sites Links to Insurance.com Registration Intellectual Property Rules of Conduct User Materials License Digital Millennium Copyright Act Contests/Sweepstakes No Warranty Limitation of Liability General Legal Provisions

1. AGREEMENT TO CONTRACT ELECTRONICALLY

You agree that this electronic Terms of Service Agreement, combined with your accessing and using the Site has the same legal force and effect as a written contract with your written signature and satisfies any laws that require a writing or signature. You agree not to challenge the validity, enforceability, or admissibility of this Agreement on the grounds that it was electronically transmitted or authorized. In addition, you acknowledge that you have had the opportunity to print this Agreement.

2. LINKS TO THIRD PARTY SITES

The Sites contain links to third party web sites (“Third Party Sites”). Insurance.com does not endorse and has no control over the content on Third Party Sites. Insurance.com makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third Party Sites. You further acknowledge and agree that Insurance.com is not responsible or liable, either directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with Third Party Sites. Please take the time to read the privacy and security policies of these Third Party Sites.

3. LINKS TO INSURANCE.COM

Links. Insurance.com appreciates your interest in linking your Web Site ("Linking Site") to our Site. In order to avoid misunderstandings regarding the use of Insurance.com’s names, trademarks, service marks, domain names and other proprietary information, please review the following guidelines: Third parties are authorized to include active links on web sites they control to direct a browser to the Site "home page" at http://www.isnurance.com. Third parties do not have any rights to include links from their web sites to any other page maintained on the Site unless they receive prior written permission from Insurance.com or unless the Linking Site is an Internet search engine.

No Framing. Unless you receive prior written permission from Insurance.com, you may not: (i) "frame" or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) Content included on the Site; (ii) alter or modify Content, or (c) "cut and paste" or otherwise reproduce Content on the Linking Site.

No Archiving. Your link must be to the current Site only. In permitting linking, Insurance.com does not grant any rights to reproduce, modify, cache or archive the Content for any purpose.

Link At Your Own Risk. Insurance.com makes no representations or warranties regarding the Site, which is provided "AS IS." Linking Sites link to the Site at their own risk. Insurance.com has no obligation to maintain the Site, provide or update Content or otherwise support your link to the Site.

Termination. Insurance.com may revoke this license immediately, with or without cause or notice to you if you fail to follow these guidelines.

4. REGISTRATION

Certain portions of the Site may include services for which you must register to use the Site. Please refer to our Privacy Policy for information about how we collect, use and store user information.

5. INTELLECTUAL PROPERTY

Ownership. The Site includes copyrights, trademarks, trade dress, service marks, logos, domain names, and other proprietary materials including, but not limited to, text, articles, press releases, survey’s, information, data, artwork, video, audio, images, graphics and software (collectively, the "Content"). Insurance.com, our affiliates and third-party content providers own all right, title and interest in and to the Content. You acknowledge and agree that the Site and Content is protected by copyright, trademark, patent and other proprietary rights and laws. Except for the limited rights and licenses granted herein, nothing in this Agreement confers to you, whether by implication, estoppel or otherwise, any license, title, or ownership of or to the Site and/or Content.

Limited License. Subject to this Agreement, Insurance.com grants you a limited right and license to use the Content on one personal computer and solely for your personal, non-commercial use. You may not revise or modify Content nor may you alter or remove any proprietary notices included in the Content. For any other use, please contact Insurance.com at the addresses included below.

Restrictions. Except as expressly provided herein, you shall not: (i) use any portion of the Site or Content, on any other web site, in the source code of any other web site, or in any other printed or electronic materials; (ii)modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute or otherwise use any portion of the Site or frame this Site within any other web site, without our prior written permission; (iii) reverse engineer, reverse assemble, decompile or otherwise attempt to discover any source code of the Site and/or the Content. We reserve the right to block your use of the Site and cancel any memberships or subscriptions for violation of any of these rules.

6. RULES OF CONDUCT

The Site may include areas that allow end-users to participate in forums such as chat rooms and message boards. Insurance.com adopted the following rules of conduct in order to assure that end-users who participate in these forums do so in a lawful and appropriate manner. All information, email, text, graphics, software, messages or other materials (“User Materials”), whether publicly posted, or privately submitted, by end-users are the sole responsibility of the sender. You are solely responsible for any User Materials that you upload, transmit, post, send, email or otherwise make available via the Site. We are not liable for any User Materials or for any errors or omissions in User Materials or for any loss or damage incurred as a result of the use of any User Materials made available on the Site. We may, but are not obligated to, monitor User Material and we reserve the right, in its sole discretion, to block, refuse or remove any User Material from the Site without notice.

The following conduct is prohibited on, or in connection with, the Site: Sending unlawful, harassing, abusive or threatening messages; Sending obscene or pornographic messages or images; Sending hateful, defamatory or libelous messages; Transmitting any information that may harm minors; Transmitting any communication or User Materials that you do not have a right to under a contractual or fiduciary - relationship, that infringes a third party intellectual property right or violates a proprietary right of any third party; Sending viruses or other harmful, disruptive, or destructive files; Attempting to steal passwords or credit card information; Sending messages in furtherance of unlawful, criminal or fraudulent activity; Attempting to conceal or misrepresent the identity of the sender; Forging headers or otherwise manipulating identifiers in order to disguise the origin of a message; Sending any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes" or any other form of solicitation; Deleting any legal notices, disclaimers or proprietary notices; Disrupting the normal flow of dialogue, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges; Interfering or disrupting Site servers or networks or any servers or networks connected to either Site; or Violating any local, state, federal or international law.

These rules of conduct are strictly enforced. Violations of these rules may result in the sender being blocked from use of the Sites. INSURANCE.COM RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO DISCLOSE TO THIRD PARTIES, INCLUDING LAW ENFORCEMENT AUTHORITIES, RELEVANT INFORMATION ABOUT A COMMUNICATION, INCLUDING, BUT NOT LIMITED TO, THE SENDERS NAME, ACCOUNT INFORMATION, MEMBER AND COOKIE NUMBERS, TRANSMISSION DATA, PAST AND SUBSEQUENT SERVICE USE, AND ANY OTHER INFORMATION DEEMED NECESSARY BY ICOM TO ADDRESS PAST VIOLATIONS OF THIS AGREEMENT AND/OR TO PREVENT FUTURE VIOLATIONS. THESE DISCLOSURES MAY BE MADE WITH OR WITHOUT PRIOR NOTICE TO SENDER. BY USING THE SITE, YOU IRREVOCABLY CONSENT TO SUCH DISCLOSURES.

7. USER MATERIALS LICENSE

By transmitting, posting, emailing, uploading or otherwise making User Materials available on or via the Site, you represent and warrant to Insurance.com that you have all right, title and interest in and to such User Materials and grant Insurance.com a perpetual, irrevocable, world-wide, royalty free, right and license to use the User Materials in connection with the Site and Insurance.com services.

9. CONTESTS AND SWEEPSTAKES

From time to time, we may sponsor contests and sweepstakes on the Site. Participation in such contests/sweepstakes is entirely voluntary. If you choose to enter any such contest/sweepstakes, your participation is governed by the contest/sweepstakes rules. You agree to abide by any and all contest/sweepstakes rules. Any personally identifiable information you provide in conjunction with any contest/sweepstakes becomes the property of Insurance.com. If you consent to receive special promotions and offers from Insurance.com and/or our advertisers such communications will be governed by our Privacy Policy. If you are awarded any prizes or other consideration, you give Insurance.com permission, with no additional consideration, to identify you as a winner and to advertise, publicize, or promote Insurance.com in connection with the contest/sweepstakes.

10. NO WARRANTY

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. NEITHER INSURANCE.COM NOR ANY OF ITS EMPLOYEES, AFFILIATES, AGENTS, THIRD-PARTY CONTENT PROVIDERS, OR SUPPLIERS WARRANTS THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; NOR DOES INSURANCE.COM MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF EITHER SITE OR AS TO THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SITE.

11. LIMITATION OF LIABILITY

INSURANCE.COM SHALL NOT BE LIABLE FOR ANY INJURY OR LOSS, CLAIM OR DAMAGE, NOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, WHETHER BASED IN CONTRACT, TORT OR STRICT LIABILITY OR OTHERWISE, WHICH ARISES OUT OF OR IN ANY WAY CONNECTED WITH (i) THE USE OR PERFORMANCE OF THE SITE; (ii) THE DELAY OR INABILITY TO USE THE SITE; (iii) THE PROVISION OF OR FAILURE TO PROVIDE ANY INFORMATION AND SERVICES CONTAINED ON OR MADE AVAILABLE THROUGH THE SITE (iv) THE INABILITY TO ACCESS OR USE THE SITE OR FROM YOUR RELIANCE ON ANY CONTENT AND/OR INFORMATION PROVIDED ON THE SITE, OR ON THIRD PARTY SITES LINKED TO FROM THE SITE, EVEN IF INSURANCE.COM IS ADVISED OF THE POSSIBILITIES OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

12. GENERAL LEGAL PROVISIONS

Reservation of Rights. Insurance.com reserves the right to deny or block access to the Site to anyone at anytime and to terminate this Agreement at anytime without notice, in its sole discretion.

Termination. At any time and without prior notice, Insurance.com may immediately terminate your access to the Site for: (1) breach of this Agreement; (2) requests by law enforcement or other government agencies; (3) discontinuance or material modification to the Site (or any part thereof); and/or (4) unexpected technical or security issues or problems. You agree that Insurance.com may terminate your use of the Site for cause in its sole and Insurance.com is not liable to you or any third party for termination of your access to the Site. You agree that any account you set up with Insurance.com will be terminated upon your death.

Indemnification. You agree to defend, indemnify and hold Insurance.com, its affiliates and their respective employees, directors, partners, contractors, officers, trustees, and other third parties assisting in the operation of the Site, harmless from and against all claims, liabilities and expenses (including attorneys' fees) that may arise from your use of the Site and/or Content, any accounts set up in connection with the Site, User Materials, violation of the rights of others and/or breach of this Agreement.

Applicable Law and Jurisdiction. The Site is controlled and operated by Insurance.com, Inc., from its offices in Cleveland, Ohio. This Terms of Service Agreement is governed and controlled by the laws of the State of Ohio. By accessing, and/or using the Site you accept this Agreement and agree that all matters arising from or relating to the use and operation of the Site will be heard and resolved in the courts of Cuyahoga County, Ohio. In addition, you consent to personal jurisdiction of such courts, stipulate to the fairness and convenience of proceeding in such courts, and covenant not to assert any objection to proceeding in such courts. A printed version of this Agreement with respect to the Site and of any notice given in electronic form is admissible in judicial and administrative proceedings.

International Use. Neither Insurance.com nor its affiliates make any representation that the Site or Content is appropriate or available for use in locations outside the United States. Those who choose to access the Site from other locations are responsible for compliance with any applicable local laws and any applicable laws regarding the transmission of technical data exported from the United States of the country in which you reside.

Contact Insurance.com. If you have any questions or comments regarding this Agreement and/or our Privacy Policy please send an e-mail to Customer Support at feedback@insurance.com or call 1-866-801-2529 or write Insurance.com Inc., Corporate Headquarters, Customer Support, 29000 Aurora Road, Solon, Ohio 44139

Registered Seller of Insurance. Insurance.com Insurance Agency, Inc., Insurance.com Insurance Agency of Ohio, ComparisonMarket Insurance Agency, Inc., and Samuel L. Belden are registered as agents licensed to offer automobile insurance in each of the states listed below:

State	Agency/Agent Name	Property & Casualty License Number	Life & Health License Number
Alabama	Insurance.com Insurance Agency, Inc	172955	172955
Alaska	Insurance.com Insurance Agency, Inc	25040	25040
Arizona	Insurance.com Insurance Agency, Inc	112528	112528
Arkansas	Insurance.com Insurance Agency, Inc	249083	249083
California	ComparisonMarket Insurance Agency Inc	0D34010	0D34010
Colorado	Insurance.com Insurance Agency, Inc	125690	125690
Connecticut	Insurance.com Insurance Agency, Inc	1063672	1063672
Delaware	Insurance.com Insurance Agency, Inc	152106	152106
District of Columbia	Insurance.com Insurance Agency, Inc	9901354	9901354
Florida	Insurance.com Insurance Agency, Inc	L000627	L000627
Georgia	Insurance.com Insurance Agency, Inc	101966	101966
Hawaii	Insurance.com Insurance Agency, Inc	315603	315603
Idaho	Insurance.com Insurance Agency, Inc	85090	85090
Illinois	Insurance.com Insurance Agency, Inc	341126672	341126672
Indiana	Insurance.com Insurance Agency, Inc	31620	31620
Iowa	Samuel L. Belden	IA0000000234191	IA0000000234191
Kansas	Insurance.com Insurance Agency, Inc	341126672-000	341126672-000
Kentucky	Insurance.com Insurance Agency, Inc	DOI526746	DOI526746
Louisiana	Insurance.com Insurance Agency, Inc	276521	276521
Maine	Insurance.com Insurance Agency, Inc	AGN37440	AGN37440
Maryland	Insurance.com Insurance Agency, Inc	NPF156506	NPF156506
Massachusetts	Insurance.com Insurance Agency, Inc	1847546	1847546
Michigan	Insurance.com Insurance Agency, Inc	341126672	341126672
Minnesota	Insurance.com Insurance Agency, Inc	20276839	20276839
Mississippi	Insurance.com Insurance Agency, Inc	0106981	0315359
Missouri	Insurance.com Insurance Agency, Inc	AG8012484	AG8012484
Montana	Insurance.com Insurance Agency, Inc	909145	909145
Nebraska	Insurance.com Insurance Agency, Inc	276217	276217
Nevada	Insurance.com Insurance Agency, Inc	10232	10232
New Hampshire	ComparisonMarket Insurance Agency Inc	355883	355883
New Jersey	Insurance.com Insurance Agency, Inc	0198953	0198953
New Mexico	Insurance.com Insurance Agency, Inc	550367	550367
New York	Insurance.com Insurance Agency of Ohio	PC-944172	LA-944172
North Carolina	Insurance.com Insurance Agency, Inc	34-112-6672	34-112-6672
North Dakota	Insurance.com Insurance Agency, Inc	34-1126672-01	34-1126672-01
Ohio	Insurance.com Insurance Agency, Inc	10240	10240
Oklahoma	Insurance.com Insurance Agency, Inc	10926	10926
Oregon	Insurance.com Insurance Agency, Inc	812460	812460
Pennsylvania	Insurance.com Insurance Agency, Inc	63001	63001
Rhode Island	Samuel L. Belden	1090325	1090325
South Carolina	Insurance.com Insurance Agency, Inc	149851	149851
South Dakota	Insurance.com Insurance Agency, Inc	C8267	C8267
Tennessee	Samuel L. Belden	847009	847009
Texas	Insurance.com Insurance Agency, Inc	12734	12734
Utah	Insurance.com Insurance Agency, Inc	97920	97920
Vermont	Samuel L. Belden	96358	96358
Virginia	Insurance.com Insurance Agency, Inc	105310	105310
Washington	Insurance.com Insurance Agency, Inc	181832	181832
West Virginia	Insurance.com Insurance Agency, Inc	9	9
Wisconsin	Samuel L. Belden	2402607	2402607
Wyoming	Insurance.com Insurance Agency, Inc	7456	7456