These terms, which we commonly refer to as the “Terms of Use,” specify how you may use our websites (the “Website”). You acknowledge and agree to be bound by the following terms and conditions, which are subject to change at any moment, by using the website:
1. The terms “we,” “us,” “our,” and “USA Finance Saving” refer to the Life Insurance Market and its affiliates, which are organizations that either share control or are controlled by the Life Insurance Company. For the purposes of this Section, “control” refers to having the ability to direct or significantly influence the direction of an entity’s management, policies, and operations, whether through formal or informal means, ownership of voting securities, contracts, positions of authority, financing, marketing, product supply, or other means. As a customer of one of our companies, you will not become a customer of any other company as a result of this Agreement.
2. You promise to abide by these Terms of Use when using the Website.
3. Your rights or duties under this Agreement may not be sold or otherwise assigned.
4. Your use of the Website and access to it may be terminated by us at any time.
5. The Privacy Statement published on this website is included into this Agreement, but it may change from time to time.
6. You understand that no rights in the Website are transferred to you by your use of it; rather, all intellectual property and proprietary rights, title, and interest are owned and held by USA Finance Saving or its licensors. You concur:
(i) It is forbidden to duplicate, replicate, disseminate, publish, exhibit, perform, alter, or create works that are derivative of the website. You may only download content from this website for personal use in the following ways: you may print one copy that is restricted to infrequently occurring individual interest items and/or make one machine-readable copy. No trademark, copyright, or other property notice may be altered or removed. You may not sell or offer this Website for sale, nor disseminate any portion of it over any network, without restricting the generality of the aforementioned. The Website may not be duplicated, disassembled, reverse-engineered, compiled, altered, or the subject of derivative works. The terms of the applicable open source software license govern the usage of open source software on the Website; USA Finance Saving is not a party to any such licenses. All rights not expressly given to you are reserved by us.
(ii) That it is specifically forbidden for you to show the Website in a setting that you or a third party established (for example, by framing it). This is especially forbidden, but not limited to, where the setting contains advertising or other content that we have not given permission for you to display alongside the Website.
(iii) That whatsoever you email, post, or otherwise send to us (your “Communications”) about the Website or the services, including any queries, feedback, or recommendations for improvement, will be considered USA Finance Saving property. The right and title to operate, use, re-use, implement, copy, display, and create derivative works from those Communications, including any ideas, concepts, know-how, or techniques contained in your Communications, for any purpose, is expressly assigned and relinquished by you to USA Finance Saving, royalty free.
7. The Website’s functionality and all content that is displayed, supplied, reproduced, or distributed by us are solely for informational purposes; they are not meant to replace expert advice on subjects pertaining to investments, law, or taxation.
8. We only offer links to third-party websites for informational purposes; we do not assume any responsibility for how you use them.
9. We reserve the right to monitor all communications and to delete any that, in our sole judgment, violate these terms of use or are offensive or defamatory. You understand, however, that we are under no need to keep an eye on anything you or anybody else posts. By using this website, you accept responsibility for any costs and responsibilities, as well as for any actions done and damage sustained.
10. By using this website, you consent to indemnify and hold us harmless from and against any losses, costs, damages, and expenses—including reasonable attorneys’ fees—resulting from any breach of this agreement or from your failure to uphold your end of the bargain.
11. You guarantee that you will not post any content that violates the rights of third parties, upload or transmit any viruses or other malware, and use the Website’s electronic communication features for any purpose that is abusive, tortious, invading another person’s privacy, harassing, libelous, defamatory, obscene, threatening, hateful, or otherwise illegal.
12. The software and systems used or provided on this website, along with the website itself, are provided “as is” and “as available.” With regard to the content of this website, its functionality, and the materials we have provided under this agreement, WE hereby DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES RELATING TO OWNERSHIP, ACCURACY, TIMELINESS, COMPLETENESS, AND AVAILABILITY, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE RISKY ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.
13. To the maximum extent permitted by applicable law, WE DISCLAIM LIABILITY AND YOU AGREE THAT WE ARE NOT LIABLE FOR ANY LOSSES AND EXPENSES OF ANY KIND AND HOWSOEVER ARISING OUT OF YOUR USE OF THIS WEBSITE OR ANY WEBSITE THAT IT IS LINKED TO, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. The total amount of liability that we, our license holders, employees, or agents may have towards you or any other party must never exceed the total amount of the average monthly charges that you have actually paid us over the previous three (3) months. In the event that we breach this agreement, your only and exclusive remedy is to sue us for such damages. EVEN IF ANY OF YOUR REMEDIES FAIL TO SERVE THE ESSENTIAL PURPOSE, THE ABOVE SHALL APPLY. You may not file an action, in any form, arising out of the transactions under this agreement more than twelve (12) months after the cause of action first became apparent.
14. In accordance with the Electronic Signatures in Global and National Commerce Act (E-Sign Act), as it may be amended from time to time, you and we agree to accept electronic tokens of assent from you and from us as legally enforceable indications of our consent to contracts.
15. We reserve the right to update this website with revised terms of use. Any such changes will take effect as soon as they are published and made accessible for your inspection. Your continued use of the website after these modifications indicates that you agree to the new terms.
16. The whole understanding between us about the use of the Website is included in these Terms of Use and any auxiliary agreements you have signed in relation to the use of the Services offered through this Website. In the event that a court of competent jurisdiction finds any portion of the Terms of Use to be invalid or unenforceable, the validity of the remaining portions will remain unaffected, and they will continue to be in full force and effect as though the invalid portion had been removed.
17. The pictures, logos, trademarks, service marks, and icons that are on this website, unless otherwise stated, are the property of USA Finance Saving or its licensors and cannot be used without our prior written permission. Regarding any of our individual trademarks, service marks, and logos that appear on our website, we and our licensors maintain all ownership rights. Any unapproved use of the pictures could be against the law in terms of copyright, trademarks, privacy, and publicity.