USER AGREEMENT

Welcome, and thanks for using insurancethoughtleadership.com (the “ website”).  By using this website or clicking “I Agree to the Terms of Service” button, you are agreeing to the terms of this User Agreement, as well as our Privacy Policy and our Community Guidelines, both of which are incorporated herein and together constitute the “Terms of Service”, so please take a few minutes to read over the User Agreement below, as well as our Privacy Policy and Community Guidelines..

This is a legally binding and enforceable agreement – Please read carefully.

  1. INTRODUCTION.

The website is owned by Insurance Thought Leadership, Inc. (herein “” or “our” or “us” or “we”).  As used herein, the term ‘you’ or “user” refers to the user of the website (sometimes herein we will refer to you as a “member” (a user who has subscribed as a member, typically for a paid Services) or a “visitor (a user who has not registered as a member)).  By using or visiting the website or any products, software, data feeds, and services provided to you on, from, or through the website, as well as any apps (together with and including, without limitation, our related mobile apps), developer platforms, premium services, or any content or information provided as part of these services (collectively the "Service") you signify your agreement to our “Terms of Service” which as discussed above is comprised of (1) the terms of this User Agreement, (2) 's Privacy Policy, found at https://www.insurancethoughtleadership.com/privacy and incorporated herein by reference, and (3) 's Community Guidelines, found at https://www.insurancethoughtleadership.com/community_guidelines and also incorporated herein by reference. If you do not agree to any of the terms of this User Agreement, the Privacy Policy, or the Community Guidelines, please do not use the Service. 

You understand and acknowledge that by clicking “I Agree to the Terms of Service”, “I Agree”, “I Accept”, “Join Now”, “Join”, “Sign Up” or other similar words or phrases, or by registering, accessing or otherwise using our Services, you are entering into a legally binding agreement (this “User Agreement”) and you agree to all of the terms and provisions of this User Agreement (even if you are using our Services on behalf of a company). You also agree to our Privacy Policy (which covers how we collect, use, share, and store your personal information), Community Guidelines, and other terms that will be displayed to you at the time you first use certain features as they may be amended by from time to time. If you are using on behalf of a company or other legal entity, such entity should have a separate agreement with , but you are nevertheless individually bound by this Agreement.  If you do not agree to this Agreement, please do not use the website and do NOT click the “I Agree to the Terms of Service” (or similar) button and do not access or otherwise use any of our Services.

We may modify, replace, refuse access to, suspend or discontinue the website, or various of its features and functions, partially or entirely, or to change and modify terms of this User Agreement or any other terms concerning use of at any time and from time to time, without notice in ’s sole discretion. All of these changes shall be effective upon their posting on our website or by email communication to you. We reserve all rights not expressly granted to you under this User Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights and interest in and all related items.

Although we may attempt to notify you when major changes are made to these Terms of Service, you should periodically review the most up-to-date version http://www.insurancethoughtleadership.com/terms of service). may, in its sole discretion, modify or revise these Terms of Service and policies at any time, and you agree to be bound by such modifications or revisions. Nothing in these Terms of Service shall be deemed to confer any third-party rights or benefits.

The content of the pages of the website is for your general information and use only and is subject to change without notice.

The Service may contain links to third party websites that are not owned or controlled by . has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites. In addition, will not and cannot censor or edit the content of any third-party site. By using the Service, you expressly relieve from any and all liability arising from your use of any third-party website.

By using the Services, you may encounter content or information that might be inaccurate, incomplete, delayed, misleading, illegal, offensive or otherwise harmful. You agree that we are not responsible for third parties' (including other members') content or information or for any damages as result of your use of or reliance on it.  You are responsible for deciding if you want to access or use third party apps or sites that link from our Services. If you allow a third party app or site to authenticate you or connect with your account, that app or site can access information on related to you and your connections. Third party apps and sites have their own legal terms and privacy policies, and you may be giving others permission to use your information in ways we would not. Except to the limited extent it may be required by applicable law, is not responsible for these other sites and apps - use these at your own risk. Please see our Privacy Policy.  We encourage you to be aware when you leave the Service and to read the terms and conditions and privacy policy of each other website that you visit.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and content found or offered on the website for any particular purpose. You acknowledge that such information and content may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.  Your use of any information or content on the website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through the website meet your specific needs.

These Terms of Service apply to all users of the Service, including users who are also contributors of Content on the Service. “Content” includes the text, software, scripts, graphics, photos, sounds, music, videos, audiovisual combinations, interactive features and other content you may view on, access through, or contribute to the Service and includes, without limitation, any content, ideas, concepts, techniques and data communicated, disclosed or distributed on , in or through the Service.

  1. OBLIGATIONS

  1. Generally.  By using the Services, you agree to comply with applicable law and this User Agreement (as it may be amended from time to time), and you agree to expressly comply with ’s Privacy Policy and Community Guidelines, as they may be amended from time to time.  

  1. Service Eligibility.  To use the Services, you agree that: (1) you are at least eighteen (18) years of age; (2) you will only have one account, which must be in your real name; (3) you have not previously been suspended or removed from and are not restricted by from using the Services, (4) you are not a direct competitor of , nor are you using this website or the Services with the intent to become a competitor to in any way; (5) you have full power and authority to enter into this User Agreement and in doing so will not violate any other agreement to which you are a party.

  1. Your profile.  As a user you visitor you will have the opportunity to create a profile.  As a member you will be required to create a profile.  You further agree to inform in the event that any such information has changed since your registration with . You agree to keep all information (including your contact information) on your profile up to date.  You also agree that your profile information will be truthful. may be required by law to remove certain information or content in certain countries.  There are several Do’s and Don’ts set forth and provided throughout the terms of Service related to your profile, each of which is incorporated herein by this reference.

  1. Password and Account Responsibility.  You agree to keep your password secure and a secret.  Your account belongs to you and you are responsible for your account and anything that happens through your account, unless you close it, until you notify us of a breach (service@insurancehoughtleadership.com), or you prove that your account security was compromised due to a fault of our systems. You are prohibited from selling, trading or otherwise transferring your account or any information therein to another party or charging anyone for access to any portion of , or any information therein.  You agree not to share an account with anyone else and will follow our rules and all applicable law. Please note and understand that in the event another party pays for your access or membership to any portion of the website (e.g. company pays for your use of the Innovator’s Edge) such third party will control your access or membership to such portion of the website, which is different from your personal account, and therefore may terminate your access or membership to such portion of the website.

  1. Payment.  If you purchase or subscribe to any products or services that we offer for a charge (“Premium Service”), you will pay the applicable fees as they become due plus all related taxes and reimburse us for any collection costs including, without limitation, reasonable attorney’s fees, court costs and interest for any overdue amounts. Failure to pay these fees may result in the termination of your subscription.  Our Premium Services are based on 12 month (annual) membership periods (each a “Service Period”).  All fees attributable to such Premium Services are deemed earned when purchased.  All Premium Services will automatically renew for an additional 12 month period, unless you cancel or terminate such Premium Services prior to the end of your current Service Period.  Also:

  • Your purchase may be subject to foreign exchange fees or differences in prices based on location (e.g. exchange rates).
  • You authorize us to store and continue billing your payment method (e.g. credit card) even after it has expired, to avoid interruptions in your service (e.g. subscriptions) and to facilitate easy payment for new services.
  • You must pay us for applicable fees and taxes unless you cancel the Premium Service, in which case you agree to still pay these fees through the end of the applicable subscription period. Learn how to  cancel or change your Premium Services and read about our refund policy .
  • Taxes are calculated based on the billing information that you provide us at the time of purchase.

You can get a copy of your invoice through Customer Support.

  1. Refund Policy.  All purchases of Premium Services are deemed earned when purchased.  There will be no refunds.

  1. Notifications and Service Messages.  You agree to allow us to use our websites, mobile apps, and email to provide you with important notices. This User Agreement applies to mobile applications as well. Also, you agree certain additional information can be shared with us. You agree that we may provide notices to you in the following ways: (1) a banner notice on the Service, or (2) an email sent to an address you provided, or (3) through other means including mobile number, telephone, or mail. Please review your settings to  control and limit  what kind of messages you receive from us.

  1. Content, Messages and Sharing.  Certain of our Services, particularly in the Premium Services area of our website, you will be able to share information and content in many ways (e.g. through your profile, posts on the social feeds, and all sorts of other ways).    The information and content that you share or post may be seen by other members or, if public, by Visitors. Where we have made settings available, we will honor the choices you make about who can see content or information (e.g., sharing within a peer group instead of your network, changing the default setting for content from public to a more restricted view, limiting your profile visibility, or not letting people know when you change your profile, make recommendations or follow companies or categories). We are not obligated to publish any information or content on our Service and can remove it in our sole discretion, with or without notice.

You do not have to upload, share, post or submit anything, but if you choose to upload, share, post or submit anything including, without limitation, any of your Content (defined above), you grant, and hereby represent that you have all legal right and power to grant, to and its successors and assigns an irrevocable, perpetual, nonexclusive, transferable, fully paid, royalty-free, worldwide license (with the right to sublicense) to store, use, copy, publish, transmit using any form of communication or display, publicly perform, publicly display, reformat to conform to the interface or display requirements of the Services or of other communications media, and/or to render such Content compatible with technical performance or media format criteria, translate, excerpt (in whole or in part), prepare derivative works of, incorporate into other works, and distribute, such Content for any purpose at any time, reproduce, represent, adapt, translate, digitize, use for advertising purposes, whether commercial or non-commercial, to transfer the Content in any transmission or distribution, including, without limitation, through any electronic communication media (email, SMS, MMS, WAP, Internet, CD Rom or DVD), or otherwise, on or in connection with the website or the promotion thereof, and to grant and authorize sublicenses of the foregoing. You specifically waive any residual or moral rights you may have in any Content you provide including, without limitation, any rights of attribution or integrity. By submitting any information or Content to us, you represent and warrant that your submission is accurate, is not confidential, and is not in violation of any contractual restrictions or other third party rights. This license survives, among other things, your removal of your Content from . We have the right, without compensation to you or others, to serve ads near your content and information, and your comments on sponsored content may be visible as noted in the Privacy Policy.  While we may edit and make formatting changes to your content (such as translating it, modifying the size, layout or file type or removing metadata), we will not modify the meaning of your expression.  Because you own your content and information and we only have non-exclusive rights to it, you may choose to make it available to others.

By uploading, sharing, posting or submitting information or Content to the website, for any purpose or in any context, you grant the right to use your name, likeness, image and voice (and the name, logo, and other branding icons, or phrases of your company or employer, to the greatest extent possible), in connection with offering, delivering, marketing, promoting, demonstrating, and selling the Content and the Services and you waive any and all rights of privacy, publicity, or any other rights of a similar nature in connection therewith.  

Also, by uploading, sharing, posting or submitting information or Content to the website, you further agree as follows:

  • You represent and warrant that you will comply with the Terms of Service and all applicable laws, rules and regulations relative to Content made available to .
  • You shall upload or otherwise electronically deliver the Content to as directed by or as indicated on the website.
  • reserves the right to make the Content available to users or to accept or use any Content or to disseminate or not disseminate any Content depending on any number of factors, all in the sole and absolute discretion of .
  • In addition to any remedies set forth in this Agreement, you acknowledge and agree that may change or suspend the Service, in whole or part, as deems necessary in the normal management and operation of its business or otherwise elect, in its sole discretion, not to offer or continue to offer the Content in connection with the Service.  
  • may modify the Service from time to time to conform with ’s current product offering or as otherwise necessary to comply with applicable laws or the needs or requirements of its users and customers.
  • You shall not engage in any activity that will require to obtain any licenses from or pay any royalties to any third party, including, by way of example and not limitation, the payment of royalties for the public performance of any musical works or sound recordings.
  • You shall respond promptly to users questions related to their content within the Service and ensure a quality of service commensurate with the standards of instruction services in general.

Further, cannot guarantee that other members or Visitors will not use the ideas, information or Content that you share. Therefore, if you have an idea or information that you would like to keep confidential and/or don’t want others to use, do not post it. IS NOT RESPONSIBLE FOR ANY THE USE, MISUSE OR MISAPPROPRIATION, BY YOU, OR ANY OTHER MEMBER OR VISITOR, OF ANY CONTENT OR INFORMATION POSTED ON THE SITE

  1. Restricting Access and Use.   reserves the right to limit your use of the Services, including the right to restrict, suspend, or terminate your account if believes that you may be in breach of this User Agreement or law or are misusing the Services (e.g. violating any Do and Don'ts).   reserves all of its intellectual property rights in the Services. For example, Insurance Thought Leadership (stylized), the door logo and other trademarks, service marks, graphics, and logos used in connection with , the website and the Services are trademarks or registered trademarks of . Other trademarks and logos used in connection with the Services may be the trademarks of their respective owners.

  1. Reliance.  Do not rely on this site for business, professional or career decisions: Although provides for person-to-person and business-to-person knowledge exchange via online discussions, webinars, thought leadership content  and more, such information should not be relied upon for making business, professional, career or any other decision. Your specific circumstances will not be known by the person that is providing Content or insights and you may not know them. In any case, the information on this site is simply one form of data you can gather in any decision process, and you should get direct, professional help to solve your issues and not rely on content you read or view on this website. and all of its content providers will not be held responsible should you make decisions based on the information you gather on this website.

  1. Indemnity.  To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless , its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from or related to third party claims, charges or investigations, caused by (a) your use of and access to the Service, (b) your failure to comply with this Agreement, including, without limitation, your submission of content that violates third party rights or applicable laws and any breach of your representations and warranties contained in this Agreement, (c) your violation of any third party right, including without limitation any copyright, property, or privacy right, or (d) any claim that your Content caused damage to a third party.  This defense and indemnification obligation will survive these Terms of Service and your use of the Service.

  1. Notify us of acts contrary to this Agreement. If you believe that you are obligated to act contrary to this User Agreement under any mandatory laws, you shall provide to us, at least 30 days before you act contrary to this Agreement, written notice describing the action you propose to take and the laws or other basis on which you believe such action is obligated, to allow us time to assess whether we may, at our sole discretion, provide an alternative remedy for the situation or protect our rights.

  1. Export Control.  Your use of this website and Services is subject to export and re-export control laws and regulations, including the Export Administration Regulations (“EAR”) maintained by the United States Department of Commerce and sanctions programs maintained by the Treasury Department's Office of Foreign Assets Control. You have no right to copy, transfer or otherwise dispose of any part of the Service. You shall not, directly or indirectly, sell, export, re-export, transfer, divert, or otherwise dispose of any software or service that is part of the Service to any end-user without the prior written consent of and without obtaining any required authorizations from the appropriate government authorities. You also warrant that you are not prohibited from receiving US origin products, including services or software.

  1. Privacy. You are subject to, and should carefully read, our Privacy Policy before deciding to use the website or the Services. Please note that certain information, statements, data and content (such as photographs) which you may choose to provide might, or are likely to, reveal your gender, ethnic origin, nationality, religion and/or sexual orientation, and that you are providing all such information, statements, data and content in full acknowledgment thereof and under your sole responsibility. By providing such information to us, all of which is optional, you are hereby expressly giving your informed consent to the processing by us of such “sensitive” data.

  1. Community Guidelines. You are subject to, and should carefully read, our Community Guidelines before deciding to use the website or the Services.

  1. Feedback.  By submitting suggestions or other feedback regarding our Services to , you agree that can (but is not obligated to) use and share such feedback for any purpose without compensation to you.

  1. OTHER RIGHTS AND DUTIES.

  1. Your Rights.  On the condition that you continually to comply with all your obligations under this Agreement, we grant you a limited, revocable, nonexclusive, nonassignable, non-sublicenseable right to access, through a generally available web browser (but not any scraping, spidering, crawling or other technology or specialist software used to harvest data) to view information and content that we provide or is provided on webpages as we intend such information to be used, and only in accordance with this User Agreement, and any additional specific terms of use or disclaimers that are posted on the website or are otherwise made available to you. You may submit information and Content to us at your own risk of loss and subject to your indemnification obligations under this Agreement. We grant you no other rights, implied or otherwise, and reserve all rights not expressly granted under this Agreement.

We may change, suspend or end any Service, or change and modify prices prospectively in our discretion. To the extent allowed under law, these changes may be effective upon notice provided to you.

is not a storage service. You agree that we have no obligation to store, maintain or provide you a copy of any Content or information that you or others provide, except to the extent required by applicable law and as noted in our Privacy Policy.

  1. Do’s and Don’ts.  As a condition to access , you agree to the following Do’s and Don’ts.  This list of Do’s and Don’ts is intended to be supplemental to other terms and provisions of this User Agreement.  

  1. You agree that you will:

  • Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements;
  • Provide accurate information to us and keep it updated;
  • Use your real name on your profile;
  • Use the Services in a professional manner.

  1. You agree that you will NOT:

  • Duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, otherwise transfer or commercially exploit (excluding content posted by you) except as permitted in this User Agreement;
  • Utilize information, content or any data you view on and/or obtain from to provide any service that is deemed by , in ’s sole discretion, to be competitive against ;
  • Share your login with anyone else ever;
  • Imply or state, directly or indirectly, that you are affiliated with or endorsed by unless you have entered in to a written agreement with , Inc. which may expressly authorize you to do so and then only to the extent so authorized;
  • Use intellectual property of , or any user Content, to adapt, modify or create derivative works based on such intellectual property;
  • Access, reload or “refresh” or make any other request to transactional servers more than once during any three second interval;
  • Collect, use or transfer any information, including but not limited to, personally identifiable information obtained from except as expressly permitted in the User Agreement or the owner of such information may expressly permit;
  • Interfere with or disrupt , including but not limited to any servers or networks connected to , or disobey any requirements, procedures, policies or regulations of networks connected to the ;
  • Upload a cartoon, symbol, drawing or any content other than a photograph of yourself in your profile photo;
  • Upload, post, email, transmit or otherwise make available or initiate any content that includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  • Act dishonestly or unprofessionally, including by posting inappropriate, inaccurate, or objectionable content;
  • Add content that is not intended for, or inaccurate for, a designated field (e.g. submitting a telephone number in the “title” or any other field, or including telephone numbers, email addresses, street addresses or any personally identifiable information for which there is not a field provided by );
  • Use an image that is not your likeness or a head-shot photo for your profile;
  • Create a false identity on ;
  • Misrepresent your current or previous positions and qualifications;
  • Misrepresent your affiliations with a person or entity, past or present;
  • Misrepresent your identity, including but not limited to the use of a pseudonym;
  • Create a member profile for anyone other than yourself (a real person);
  • Invite people you do not know to join your network;
  • Use or attempt to use another's account;
  • Harass, abuse or harm another person;
  • Send spam or other unwelcomed communications to others;
  • Scrape or copy profiles and information of others through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work);
  • Act in an unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable manner;
  • Disclose information that you do not have the right to disclose (such as confidential information of others (including your employer));
  • Violate intellectual property rights of others, including patents, trademarks, trade secrets, copyrights or other proprietary rights;
  • Violate the intellectual property or other rights of with respect to our brand, logos and/or trademarks, including, without limitation, using the term “Insurance Thought Leadership” “Innovator’s Edge” “Producer’s Portal” or any of our other trade names, trademarks, logos, email, or URL, without express authorization from
  • Use invitations to send messages to people who don't know you or who are unlikely to recognize you as a known contact;
  • Post any unsolicited or unauthorized advertising, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation unauthorized by ;
  • Send messages to distribution lists, newsgroup aliases, or group aliases;
  • Post anything that contains software viruses, worms, or any other harmful code;
  • Manipulate identifiers in order to disguise the origin of any message or post transmitted through the Services;
  • Creating or operate a pyramid scheme, fraud or other similar practice;
  • Copy or use the information, content or data of others available on the Services (except as expressly authorized);
  • Copy or use the information, content or data on in connection with a competitive service (as determined by );
  • Copy, modify or create derivative works of , the Services or any related technology (except as expressly authorized by );
  • Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for the Services or any related technology, or any part thereof;
  • Imply or state that you are affiliated with or endorsed by without our express consent (e.g., representing yourself as an accredited trainer);
  • Rent, lease, loan, trade, sell/re-sell access to the Services or related any information or data;
  • Sell, sponsor, or otherwise monetize a peer group or any other feature of the Services, without 's consent;
  • Deep-link to our Services for any purpose other than to promote your profile or a publicly available discussion forum on the website, without 's consent;
  • Remove any copyright, trademark or other proprietary rights notices contained in or on our Service;
  • Remove, cover or obscure any advertisement included on the Services;
  • Collect, use, copy, or transfer any information obtained from without the consent of ;
  • Share or disclose information of others without their express consent;
  • Use manual or automated software, devices, scripts robots, other means or processes to access, “scrape,” “crawl” or “spider” the Services or any related data or information;
  • Use bots or other automated methods to access the Services, add or download contacts, send or redirect messages;
  • Monitor the Services' availability, performance or functionality for any competitive purpose;
  • Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Services;
  • Access the Services except through the interfaces expressly provided by , such as its mobile applications, insurancethoughtleadership.com;
  • Override any security feature of the Services;
  • Interfere with the operation of, or place an unreasonable load on, the Services (e.g., unsolicited communications, attempts to gain unauthorized access, spam, denial of service attack, viruses, gaming algorithms).
  1. TERMINATION.  

You may terminate this Agreement, for any or no cause, at any time, with written notice to which shall be effective upon processing such notice and your cessation of use of . may terminate this User Agreement for any or no cause, at any time, with or without notice, which shall be effective immediately or as may be specified in the notice. For avoidance of doubt, your access to any Premium Services may be terminated only by or the party paying for such services.

Without limiting the foregoing, has adopted a policy of terminating, in appropriate circumstances and at ’s sole discretion, users who are deemed to be infringers under the United States Copyright Act or who violate the terms of this Agreement, and ’s Community Guidelines or Privacy Policy.   may also at its sole discretion limit access to the Service and/or terminate the memberships of any users who infringe or who are accused of infringing any intellectual property rights of others, whether or not there is any repeat infringement.  The following shall survive termination:

  • Our rights to use and disclose your feedback;
  • members' and/or Visitors' rights to further re-share Content and information you shared through the Service;
  • Your obligations under this Agreement;
  • Any amounts owed by you prior to termination shall remain owed after termination.

  1. COOKIES.

We use Cookies.  We encourage you to access and review our Cookies Policy.

  1. COPYRIGHT POLICY

The website and Services contain material and Content which is owned by or licensed to us.  The website, including, but not limited to, the design, layout, look, appearance and graphics (the “look and feel” of the website) is the sole property of .  You are prohibited from copying, reproducing or otherwise using the content relating to other Users of for any purpose other than for those purposes strictly related to use of the services for personal purposes.   Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.  It is a breach of this Agreement and you are absolutely prohibited from reproducing (i) any of the Content on the website or (ii) the look and feel of the website, or from scraping, copying or undertaking any other act which results in the use of any such scraped, copied or otherwise obtained content in any manner that could in any sense be construed as competitive or confusing.  All trademarks reproduced on the website which are not the property of, or licensed to, are acknowledged on the website.  Unauthorised use of the website may give rise to a claim for damages and/or be a criminal offence.

Complaints regarding content posted on the website

respects the intellectual property rights of others and desires to offer a platform which contains no content that violates those rights. Our Agreement requires that content posted or uploaded to the website be accurate, lawful and not in violation of the rights of third parties. To promote these objectives, provides a process for submission of complaints concerning content. Our policy and procedures are described and/or referenced in the sections that follow.

Please note that whether or not we disable access to or remove content, may make a good faith attempt to forward the written notification, including the complainant’s contact information, to the thought leader or Member who posted the content and/or take other reasonable steps to notify the thought leader or Member that has received notice of an alleged violation of intellectual property rights or other content violation. It is also our policy, in appropriate circumstances and in our discretion, to disable and/or terminate the accounts of Members, or groups as the case may be, who infringe or repeatedly infringe the rights of others or otherwise post unlawful content.

Please note that any notice or counter-notice you submit must be truthful and must be submitted under penalty of perjury. A false notice or counter-notice may give rise to personal liability. You may therefore want to seek the advice of legal counsel before submitting a notice or a counter-notice.

Claims regarding copyright infringement

Notice of Copyright Infringement:

Pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512), has implemented procedures for receiving written notification of claimed infringements. has also designated an agent to receive notices of claimed copyright infringement.

If you believe in good faith that your work has been copied in a way that constitutes copyright infringement, please provide ’s Copyright Agent the following information:

  1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  2. A description of the copyrighted work that you claim has been infringed;
  3. A description of where the material that you claim is infringing is located on the Site;
  4. Your address, telephone number, and e-mail address;
  5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
  6. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

’s Copyright Agent for Notice of claims of copyright infringement can be reached as follows: by e-mail at  abuse@insurancethoughtleadership.com

Mail:

Insurance Thought leadership, Inc.

ATTN: Copyright Agent

990 Reserve Dr., Suite 120

Roseville, CA 95678, USA

Upon receipt of the written notification containing the information as outlined in 1 through 6 above:

  1. may remove or disable access to the material that is alleged to be infringing;
  2. may forward the written notification to such alleged infringer; and
  3. may take reasonable steps to promptly notify the alleged infringer that it has removed or disabled access to the material.

Counter-Notification:

If the alleged infringer believes that a notice of copyright infringement has been wrongly filed against it and it would like to submit a counter-notification, it may file a Counter-Notification in Response to Claim of Copyright Infringement with ’s Copyright Agent.

To be effective, a Counter-Notification must be a written communication provided to the ’s Copyright Agent for Notice that includes the following information:

  1. A physical or electronic signature of the alleged infringer;
  2. Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
  3. A statement under penalty of perjury that the alleged infringer has a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
  4. The alleged infringer’s name, address, and telephone number, and a statement that the alleged infringer consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the alleged infringer’s address is outside of the United States, for any judicial district in which may be found, and that the alleged infringer will accept service of process from the person who provided notification or an agent of such person.

Upon receipt of a Counter-Notification containing the information as outlined in 1 through 4 above:

  1. may promptly provide you with a copy of the Counter-Notification;
  2. may inform you that it will replace the removed material or cease disabling access to it within ten (10) business days; and
  3. may replace the removed material or cease disabling access to the material within ten (10) to fourteen (14) business days following receipt of the Counter-Notification, provided ’s Copyright Agent for Notice has not received notice from you that an action has been filed seeking a court order to restrain Subscriber from engaging in infringing activity relating to the material on ’s network or system.

You may want to seek the advice of independent legal counsel before filing a notification or counter-notification.

  1. DISCLOSURES RELATING TO THIRD PARTIES

The content found on the website are generally provided by thought leaders, members and users of our Services, and other third parties, and are not necessarily held by , those third parties who sponsor or provide content in or through various portions of the website, or in some cases, the employers or other related parties of the thought leaders themselves.  Content found on the website does not and shall not be construed to purport to provide legal, accounting, or other professional advice or opinion.  

In the interests of full disclosure, you should know that Insurance Thought Leadership is a paid affiliate of some of the companies to which we link. For example, Insurance Thought Leadership is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

  1. PROFESSIONAL TO CLIENT RELATIONS

The Services may from time to time include the ability for you to submit questions to certain types of professionals, including but not limited to attorneys and accountants, and even request that specific professionals respond to your questions. A communications exchange within that aspect of the Services may give rise to a professional-to-client relationship, such as an attorney-client relationship, or representation of limited scope and duration between you (the “client”) and the professional that responds to your submitted question.

The information contained on the website informational purposes only and is not legal, tax, financial nor other professional advice or counsel. The information may or may not reflect the most current legal, tax, financial or other developments and, accordingly, it is not promised or guaranteed to be correct or complete. Additionally, as laws vary from state to state and are constantly changing, only a lawyer can provide users with specific advice to rely on. is a publisher of general information and not professional advice; is not a law firm, accounting firm, financial advisor or other professional organization with expertise to provide specific advice on a particular topic. is not a substitute for an attorney’s, accountant’s or similar professional’s advice. If you desire or require professional advice, please consult a qualified provider who is licensed in your locale.   and its users (including users who provide content that is available on the website) expressly disclaim all liability in respect to actions taken or not taken based on any of the contents of this website. You agree that under no circumstances will , its affiliates, or any thought leaders identified on the website (including, without limitation, the home page, any forums, bulletin boards, communities or other locations available on the site) be responsible for (1) any information contained on or omitted from the website(s), (2) any person's reliance on any such information, whether or not the information is correct, current or complete, (3) the consequences of any action you or any other person takes or fails to take, whether or not based on information provided by or as a result of the use of the sites, (4) any person's satisfaction with any professional, whether relating to that professional’s competence, diligence, or otherwise, (5) the results of any advice given by or representation from any professional, or (6) the delay, failure or refusal of any professional to respond or consult to you.

You agree that you understand that the professionals who participate in the Service by providing any advice in response to a question submitted by another user ("Professional Members") are not affiliated with, employed by or agents of . Although Professional Members may provide basic information about themselves to (for example, information about the jurisdictions in which they are licensed and information about areas in which they practice and consider themselves competent and knowledgeable), and although such Professional Members may provide or upload Content (“Professional Member Content”) to the website, and although does rely upon and pass on this information to Users for their use, does not separately verify this information and makes no representations as to the qualifications of any Professional Members.  

No such Professional Member Content contained on the Website or provided through the Services, constitutes an endorsement by or any of our affiliates of any particular professional or a guarantee of any personal and professional qualities or characteristics of a professional or any advice or opinion such Professional Member may render. does not verify nor warrant or guarantee that every individual who holds him or herself out as a professional is in fact registered to provide professional advice in the jurisdictions which he or she may claim.

You are encouraged to investigate or perform your own due diligence concerning Professional Members and their qualifications. No listing of any Professional Member on this website, and no information of any kind or answers provided by any Professional Member, constitutes an endorsement, recommendation or referral of any Professional Member. Some Professional Members will receive compensation or must make payments to in order to become a Professional Member of or in order to answer any questions by Users on ’s website.

This website is not intended to create, and does not create, a professional-to-client relationship including but not limited to attorney-client, auditor-client or any advisor-client relationship, and are not subject to standards or requirements of confidentiality and/or privilege associated therewith, nor does it ensure confidentiality between you and or between any of its users, and you should not act or rely on any information in this website.

However, if a professional-to-client relationship does arise through any Services, the scope and duration of any professional-to-client relationship or representation between the Professional Member and client arising through an exchange of communication via the Services is limited by the subject matter and nature of the exchange. The scope of this limited professional-to-client relationship or representation extends only to the substance of the submitted question. The Professional Member is under no duty to further investigate, follow-up, review, pursue, take further action, or to continue to represent the client. The duration of such professional-to-client relationship or representation is presumed to end as soon as the responding Professional Member provides the last answer or follow-up communication in the exchange. You acknowledge and understand that in limited circumstances, may be required or permitted by law to disclose such communications. Furthermore, shall have the perpetual, irrevocable, non-exclusive world-wide right to use, reproduce, modify, edit, translate, publish, perform, display, post, transmit and distribute your questions, comments, and/or the corresponding answers without compensation to you, anonymously or in the aggregate, for internal or external purposes, alone or as part of other works in any form, media, or technology, whether now known or hereafter developed and to sublicense such rights. Unless you affirmatively elect not to disclose your identity when you submit a question through the Service, will publicly disclose your identity with your questions or comments.

To the maximum extent permitted by applicable law, you hereby release, and waive all claims against and its employees and agents from any and all liability for claims, damages (actual and consequential), costs and expenses (including litigation costs and attorneys' fees) of every kind and nature, arising out of or in any way connected with use of the websites and services. If you are a California resident, you waive your rights, whether known or unknown, under California Civil Code § 1542, which states, "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor." Residents of other states and nations similarly waive their rights under applicable and/or analogous laws, statutes, or regulations.

If you are an attorney or any other professional, you agree and understand that any malpractice liability which may result from your use or provision of any Services is your sole responsibility and hereby waive, absolve, indemnify, and release from any liability, loss, or damage resulting from any malpractice claim arising directly, indirectly, consequentially, or historically from any contact, content, communication, advice, consultation, or representation made using any Services as a conduit. You further agree and understand that by using the website and ’s Service, you release, absolve, and indemnify from responsibility or liability for loss or damage of any kind, including legal or attorney's fees, incurred by you or your clients or prospective clients for any reason whatsoever.

  1. REMOVAL OF CONTENT

reserves the right to withhold, remove and or discard any Content available as part of your account, or contained or reproduced on any portion of the website relating to you, if any, or otherwise contained or reproduced on the website, with or without notice at any time and from time to time, in ’s sole discretion. For avoidance of doubt, has no obligation to store, maintain or provide you a copy of any Content that you or other Users provide or upload when using the Services.

You authorize and direct to make such copies of any Content you provide as we deem necessary in order to facilitate posting and storing content you post to the website.  Once you upload Content to the Website, you may not remove such Content and the license granted by you to such Content shall NOT expire, although reserves the right to remove any such Content from the website.   reserves the right to close, suspend or otherwise restrict access to any User account at any time and from time to time at ’s sole discretion for any reason or for no reason and without prior notice.

You acknowledge and agree that we may send you important information and notices regarding by posting on the website, by email or through other means. You acknowledge and agree that we shall have no liability associated with or arising from your failure to maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about , and that you allow to update you profile data using third party data sources so that we may keep your professional profile information current. You acknowledge, consent and agree that we may access, preserve, and disclose your registration and any other information you provide if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to , among other things: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claims of a violation of the rights of third-parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of , its Users and the public. Further, you acknowledge and agree that may use information you have shared with us, including but not limited to your title, industry, geography and other User-provided information, to provide you with targeted ads that you may find more pertinent than untargeted ads.

  1. EVENT REGISTRATIONS

By registering for any Event (or clicking through on a landing page to register for an event not hosted by , put publicized or sponsored by ), or downloading any or sponsor-created content, including but not limited to white papers, videos, customer testimonials, e-books, on-demand webinars, product data sheet, case studies, infographics, analyst reports, event recordings and the like (collectively the "Sponsor Content") on the Site, you agree that may provide to the Event or Sponsor Content owner or sponsor, the information you provide or have in the past provided as part of your registration for the site or the content you are downloading or have downloaded in the past, such as your name, contact information, company name, etc. You further agree that has no responsibility for the use to which your information is put by the Sponsor Content owner or sponsor, and that you agree to this exception to 's privacy policy. If you are not a member of , this will also register you as a member and you will need to agree to our User Agreement. If you do not agree to the foregoing, please do not register for the Event or download the Sponsor Content.

  1. LINKS TO NON- WEBSITES AND CONTENT

and its Users may include or automatically produce links to third party web sites (“Third Party Sites”). is not responsible for and does not endorse any advertising, products or other materials or content on or available from or through such web sites or resources. may also include articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software and other content or items belonging to or originating from third parties (the "Third Party Applications, Software or Content"). If you decide to leave and access the Third Party Sites or to use or install any Third Party Applications, Software or Content, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering procedures, of any site to which you navigate from or relating to any applications you use or install from the site.

You are solely responsible for your interactions with other Users. reserves the right, but has no obligation, to monitor disputes between you and other Users and to terminate your account if determines, in its sole discretion, that doing so is prudent.

Without prior notice may limit the number of connections you may have to other Users and prohibit you from contacting other Users through use of the Services.

  1. WARRANTY DISCLAIMER

TO THE EXTENT ALLOWED UNDER LAW, (AND THOSE THAT WORKS WITH TO PROVIDE THE SERVICES) (A) DISCLAIM ALL IMPLIED WARRANTIES AND REPRESENTATIONS (E.G. WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF DATA, AND NONINFRINGEMENT); (B) DO NOT GUARANTEE THAT THE SERVICES WILL FUNCTION WITHOUT INTERRUPTION OR ERRORS, AND (C) PROVIDE THE SERVICES (INCLUDING CONTENT AND INFORMATION) ON AN “AS IS” AND “AS AVAILABLE” BASIS.

SOME LAWS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OR ALL OF THESE DISCLAIMERS MAY NOT APPLY TO YOU.

YOU AGREE THAT YOUR USE OF THE SERVICES SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, , ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF. MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE'S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR ANY HYPERLINKED SERVICES OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

  1. LIMITATION OF LIABILITY

IN NO EVENT SHALL , ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

YOU SPECIFICALLY ACKNOWLEDGE THAT SHALL NOT BE LIABLE FOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.

IN NO EVENT SHALL THE LIABILITY OF (AND THOSE THAT WORKS WITH TO PROVIDE THE SERVICES) EXCEED, IN THE AGGREGATE FOR ALL CLAIMS, AN AMOUNT THAT IS THE LESSER OF (A) FIVE TIMES THE MOST RECENT MONTHLY OR YEARLY FEE THAT YOU PAID FOR A PREMIUM SERVICE, IF ANY, OR (B) US $1000, EVEN IF IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE LIMITATION OF LIABILITY SET FORTH IN THE PRECEDING SENTENCE SHALL APPLY REGARDLESS OF WHETHER YOU BASE YOUR CLAIM ON CONTRACT, TORT, STATUTE OR ANY OTHER LEGAL THEORY, WE KNEW OR SHOULD HAVE KNOWN ABOUT THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS AND EXCLUSIONS OF LIABILITY SHALL ALSO APPLY TO ANY PROFESSIONAL-CLIENT COMMUNICATION, RELATIONSHIP, OR REPRESENTATION WITH ANY PROFESSIONAL OR CLIENT IDENTIFIED THROUGH YOUR USE OF ANY SERVICES, OR RELATING TO PROFESSIONAL ADVICE OR INFORMATION YOU RECEIVE, VIEW, ACCESS, OR OTHERWISE OBTAIN VIA ANY SERVICES, AND ANY USE OF OR RELIANCE UPON SAID INFORMATION OR ADVICE IS SOLELY AND ENTIRELY AT YOUR OWN RISK.

THIS LIMITATION OF LIABILITY IS PART OF THE BASIS OF THE BARGAIN BETWEEN YOU AND AND SHALL APPLY TO ALL CLAIMS OF LIABILITY (E.G. WARRANTY, TORT, NEGLIGENCE, CONTRACT, LAW) AND EVEN IF HAS BEEN TOLD OF THE POSSIBILITY OF ANY SUCH DAMAGE, AND EVEN IF THESE REMEDIES FAIL THEIR ESSENTIAL PURPOSE.

SOME LAWS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY, SO THESE LIMITS MAY NOT APPLY TO YOU.

The Service is controlled and offered by from its facilities in the United States of America. makes no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are responsible for compliance with local law.

  1. MISCELLANEOUS PROVISIONS

  1. Applicable Law and Jurisdiction.   You agree that: (i) the Service shall be deemed solely based in California; and (ii) the Service shall be deemed a passive website that does not give rise to personal jurisdiction over , either specific or general, in jurisdictions other than California. These Terms of Service shall be governed by the internal substantive laws of the State of California, without respect to its conflict of laws principles, excluding conflicts of law principles and excluding the United Nations Convention on Contracts for the International Sale of Goods. The American Law Institute Principles of the Law of Software Contracts shall not be used to interpret any of the provisions of this Agreement.

  1. Agreement to Arbitrate and Pay Attorneys’ Fees.  Any Disputes shall be resolved by final and binding arbitration under the rules of the American Arbitration Association, to be held in Sacramento, California, in English, with a written decision stating and legal reasoning issued by the arbitrator(s) at either party’s request, and with arbitration fees and reasonable attorneys’ fees of both parties to be borne by the party that ultimately loses. At the request of any party, arbitrators, attorneys, parties to the mediation or arbitration, witnesses, experts, court reporters, or other persons present at a mediation or arbitration shall agree in writing to maintain the strict confidentiality of the proceedings.  Any claim or dispute (a “Dispute”) between you and that arises in whole or in part from the Service not otherwise resolved through the mandatory arbitration process provided for herein, shall be decided exclusively by a court of competent jurisdiction located in Sacramento County, California.

  1. Exception from Arbitration Agreement. Subject to Section 10, either party may obtain injunctive relief (preliminary or permanent) and orders to compel arbitration or enforce arbitral awards in any court of competent jurisdiction, located within Sacramento County, California.

  1. No Injunctive Relief. In no event shall you seek or be entitled to rescission, injunctive or other equitable relief, or to enjoin or restrain the operation of the website or the Service, exploitation of any advertising or other materials issued in connection therewith or content posted, or uploaded onto the Service, or exploitation of the Service or any content or other material or content used or displayed through the Service.

  1. Severability. If any provision of this Agreement is found to be invalid or unenforceable under mandatory laws of a particular jurisdiction, such provision shall be interpreted as to give maximum effect to its intended purpose and this shall not affect the validity or enforceability of (a) such provision under the laws of any other jurisdiction, or (b) any other provision of this Agreement.

  1. Notices. We may notify you via postings on www.insurancethoughtleadership.com, email, or any other communications means to contact information you provide to us. You may also notify us via email atLegal@insurancethoughtleadership.com or via mail or courier at Insurance Thought Leadership, Inc., Attn: Legal Department, 990 Reserve Dr., Suite 120, Roseville, CA 95678 USA; any notices that you provide without compliance with this Section on Notices shall have no legal effect.

  1. Entire Agreement. You agree that this Agreement (together with the Privacy Policy) constitutes the entire, complete and exclusive agreement between you and with respect to the website, the Services and the subject matter hereof and it supersedes all prior agreements, and contemporaneous communications and contemporaneous communications and understandings, whether electronic, written or oral, or whether established by custom, practice, policy or precedent.   A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this Agreement and all related documents be composed and published in English.

  1. Amendments to this Agreement.  We may change and/or modify terms of this Agreement or any other terms concerning use of the website or Services at any time and from time to time, without notice in ’s sole discretion. All of these changes shall be effective upon their posting on the website or by email communication to you. We reserve all rights not expressly granted to you under this Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights and interest in and all related items.  IF YOU DO NOT WANT TO AGREE TO CHANGES AND/OR MODIFICATIONS TO THIS AGREEMENT, YOU MUST DISCONTINUE USE OF THE WEBSITE AND SERVICES IMMEDIATELY.

  1. No informal waivers, agreements or representations. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to that breach or subsequent similar or other breaches. Except as expressly and specifically contemplated by this Agreement, no representations, statements, consents, or waivers by shall be deemed legally binding on , unless documented in a physical writing hand signed by a duly appointed officer of .

  1. Assignment and Delegation. You may not assign or delegate any rights or obligations under this Agreement and any purported assignment and delegation shall be ineffective. We may freely assign or delegate all rights and obligations under this Agreement, fully or partially. We may also substitute, effective upon notice to you, any third party that assumes our rights and obligations under this Agreement.

Insurance Thought Leadership, Inc., Roseville, California, USA, August 3, 2016

© Insurance Thought Leadership, Inc., 2016. All rights reserved

YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND UNDERSTAND THE RIGHTS, OBLIGATIONS, TERMS AND CONDITIONS SET FORTH HEREIN. BY USING AND THIS SITE, YOU EXPRESSLY CONSENT TO BE BOUND BY ITS TERMS AND CONDITIONS. BY CLICKING “I AGREE WITH THE TERMS OF SERVICE” BUTTON YOU ACKNOWLEDGE YOUR ACCEPTANCE OF THIS AGREEMENT AND FORM A BINDING LEGAL CONTRACT WITH INSURANCE THOUGHT LEADERSHIP. IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, DO NOT CLICK THE I AGREE WITH THE TERMS OF SERVICE” BUTTON.