Insurvisor.com Website Terms, Conditions and Notices
Welcome to the Insurvisor.com website (the “Website”).
This Website is provided solely to assist customers in gathering insurance information, posting opinions of insurance related issues, engaging in interactive insurance forums and for no other purposes. The terms “we”, “us”, “our” and “Insurvisor” refer to Insurvisor LTD and our corporate affiliates and websites (collectively, “Insurvisor”). The term “you” refers to the customer visiting the Website and/or contributing content on this Website.
This Website is offered to you conditioned upon your acceptance without modification of any/all the terms, conditions, and notices set forth below (collectively, the “Agreement”). By accessing or using this Website in any manner, you agree to be bound by the Agreement. Please read the Agreement carefully.
If you do not accept all of these terms and conditions, you are not authorized to use this site.
Be sure to return to this page periodically to review the most current version of the Agreement.
We reserve the right at any time, at our sole discretion, to change or otherwise modify the Agreement in accordance with the Terms and Conditions herein and your continued access or use of this Website signifies your acceptance of the updated or modified Agreement.
USE OF THE WEBSITE
As a condition of your use of this Website, you warrant that
(i) all information supplied by you on this Website is true, accurate,
current and complete,
(ii) if you have a Insurvisor.com account, you will safeguard your account information and will supervise and be completely responsible for any use of your account by anyone other than you and
(iii) you are 13 years of age or older in order to register for an account and contribute to our website,
(iv) possess the legal authority to enter into this agreement and to use this Site in accordance with all terms and conditions herein.
Insurvisor does not knowingly collect the information of anyone under the age of 13.
We retain the right at our sole discretion to deny access to anyone to this Website and the services we offer, at any time and for any reason, including, but not limited to, for violation of this Agreement.
Copying, transmission, reproduction, republication, posting or redistribution of the Site Content or any portion thereof is strictly prohibited without the prior written permission of Insurvisor. To request permission, you may contact Insurvisor as follows:
89 Vicar Moor Lane,
LONDON N21 1BL
E-mail address: firstname.lastname@example.org
Users of the Site will not incur any charges for using the Site in accordance with these Terms and Conditions. However, the Site contains links to third-party websites which are operated and owned by independent service providers or retailers. Such third-parties may charge a fee for use of certain content or services provided on the website. Therefore, you should make whatever investigation you feel is necessary or appropriate before proceeding with any transaction with any third party to determine whether a charge will be incurred. Where Insurvisor provides details of charges on the Site, such information is provided for convenience and information purposes only.
Insurvisor in no way guarantees that this information is correct nor is it in anyway responsible for content or services provided on such third party websites.
The content and information on this Website (including, but not limited to, messages, data, information, text, music, sound, photos, graphics, video, maps, icons, software, code or other material), as well as the infrastructure used to provide such content and information, is proprietary to us. You agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from or through this Website. Additionally, you agree not to:
(i) use this Website or its contents for any commercial purpose;
(ii) access, monitor or copy any content or information of this Website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
(iii) violate the restrictions in any robot exclusion headers on this Website or bypass or circumvent other measures employed to prevent or limit access to this Website;
(iv) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
(v) deep-link to any portion of this Website for any purpose without our express written permission; or
(vi) "frame", "mirror" or otherwise incorporate any part of this Website into any other website without our prior written authorization.
(vii) attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs used by Insurvisor in connection with the Website or the services
REVIEWS, COMMENTS AND USE OF OTHER INTERACTIVE AREAS
We appreciate hearing from you. Please be aware that by submitting content to this Website by electronic mail,
postings on this Website or otherwise, including any reviews, questions, comments, suggestions, ideas or the like contained in any submissions (collectively, “Submissions”), you grant Insurvisor and its affiliates a nonexclusive, royalty-free, perpetual, transferable, irrevocable and fully sublicensable right to
(a) use, reproduce, modify, adapt, translate, distribute, publish, create derivative works from and publicly display and perform such
Submissions throughout the world in any media, now known or hereafter devised; and
(b) use the name that you submit in connection with such Submission. You acknowledge that Insurvisor may choose to provide attribution of your comments or reviews at our discretion. You further grant Insurvisor the right to pursue at law any person or entity that violates your or Insurvisor's rights in the Submissions by a breach of this Agreement. You acknowledge and agree that Submissions are non-confidential and non-proprietary.
Insurvisor does not edit or control the User Messages posted to or distributed on this Site including through any chat rooms, bulletin boards or other communications forums, and will not be in any way responsible or liable for such User Messages. Insurvisor nevertheless reserves the right for any reason in its sole discretion to remove without notice any User Messages and/or Site Content.
The Site may contain discussion forums, bulletin boards, review services or other forums in which you or third parties may post reviews of insurance experiences or other content, messages, materials or other items on the Site ("Interactive Areas").
If Insurvisor provides such Interactive Areas, you are solely responsible for your use of such Interactive Areas and use them at your own risk. By using any Interactive Areas, you expressly agree not to post, upload to, transmit, distribute, store,
create or otherwise publish through the Site any of the following:
Any message, data, information, text, music, sound, photos, graphics, code or any other material ("Content") that is false, unlawful, misleading, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing or advocates harassment of another person, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;
Content that is patently offensive to the online community, such as content that promotes racism, bigotry, hatred or physical harm of any kind against any group or individual; Content that would constitute, encourage, promote or provide instructions for a conduct of an illegal activity, criminal offense, give rise to civil liability, violate the rights of any party in any country in the world, or that would otherwise create liability
or violate any local, state, national or international law, including, without limitation, the regulations of the U.K. or any rules of any of securities exchange, including but not limited to the London Stock Exchange; Content that provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses; Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party.
In particular, content that promotes an illegal or unauthorised copy of another person's copyrighted work, such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files; Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity, including Insurvisor; Unsolicited promotions, mass mailings or “spamming”, transmission of "junk mail", "chain letters," political campaigning,
advertising, contests, raffles, or solicitations; Content containing commercial activities and/or sales without our prior written consent such as contests, sweepstakes, barter, advertising,
and pyramid schemes;
Private information of any third party, including, without limitation, surname (family name) addresses, phone numbers, email addresses,
Social Security numbers and credit card numbers. Contains restricted or password only access pages, or hidden pages or images (those not linked to or from another accessible page);
Viruses, corrupted data or other harmful, disruptive or destructive files;
Content that is unrelated to the topic of the Interactive Area(s) in which such Content is posted; or Content or links to content that, in the sole judgment of Insurvisor,
(a) violates the previous subsections herein,
(b) is objectionable,
(c) which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or
(d) which may expose Insurvisor or its affiliates or its users to any harm or liability of any type. Insurvisor takes no responsibility and assumes no liability for any Content posted, stored or uploaded by you or any third party,
or for any loss or damage thereto, nor is Insurvisor liable for any mistakes, defamation, slander, libel, omissions, falsehoods, obscenity, pornography or profanity you may encounter. As a provider of interactive services, Insurvisor is not liable for any statements, representations or Content provided by its users in any public forum, personal home page or other
Interactive Area. Although Insurvisor has no obligation to screen, edit or monitor any of the Content posted to or distributed through any Interactive Area, Insurvisor reserves the right, and has absolute discretion, to remove, screen or edit without notice any Content
posted or stored on the Site at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any Content you post or store on the Site at your sole cost and expense.
If it is determined that you retain moral rights (including rights of attribution or integrity) in the Content, you hereby declare that
(a) you do not require that any personally identifying information be used in connection with the Content,
or any derivative works of or upgrades or updates thereto;
(b) you have no objection to the publication, use, modification, deletion and exploitation of the Content by Insurvisor or its licensees, successors and assigns;
(c) you forever waive and agree not to claim or assert any entitlement to any and all moral rights of an author in any of the Content; and
(d) you forever release Insurvisor, and its licensees, successors and assigns, from any claims that you could otherwise assert against Insurvisor by virtue of any such moral rights.
LIABILITY DISCLAIMERTHE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS WEBSITE MAY INCLUDE INACCURACIES OR ERRORS.
INSURVISOR, ITS SUBSIDIARIES AND CORPORATE AFFILIATES (COLLECTIVELY, THE "INSURVISOR MEDIA GROUP COMPANIES")
DO NOT GUARANTEE THE ACCURACY OF, AND DISCLAIM ALL LIABILITY FOR ANY ERRORS OR OTHER INACCURACIES RELATING TO THE
INFORMATION AND DESCRIPTION OF ANY INSURANCE PRODUCTS DISPLAYED ON THIS WEBSITE (INCLUDING, WITHOUT LIMITATION, THE PRICING, GENERAL PRODUCT DESCRIPTIONS, ETC.),
THE INSURVISOR MEDIA COMPANIES MAKE NO REPRESENTATIONS OF ANY KIND ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE,
PRODUCTS, AND SERVICES CONTAINED ON THIS WEBSITE (SITE CONTENT) OR ANY PORTION THEREOF FOR ANY PURPOSE, AND THE INCLUSION OR OFFERING OF ANY PRODUCTS OR SERVICES ON THIS WEBSITE DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY THE INSURVISOR MEDIA COMPANIES. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. THE INSURVISOR MEDIA COMPANIES DISCLAIM ALL WARRANTIES AND CONDITIONS THAT THIS WEBSITE, ITS SERVERS OR ANY EMAIL SENT FROM THE INSURVISOR MEDIA COMPANIES, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TO THE MAXIMUM
EXTENT PERMITTED UNDER APPLICABLE LAW INSURDVISOR HEREBY DISCLAIMS ALL WARRANTIES AND CONDITION WITH TO THIS INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE, AND NONINFRINGEMENT.
INSURVISOR ALSO EXPRESSLY DISCLAIMS ANY WARRANTY OR REPRESENTATION AS TO THE ACCURACY OR PROPRIETARY CHARACTER OF THE SITE CONTENT.
NOTHING IN THIS AGREEMENT SHALL EXCLUDE OR LIMIT INSURVISOR'S LIABILITY FOR
(I) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE;
(II) FRAUD; OR
(III) WILFUL DEFAULT OR GROSS NEGLIGENCE
(IV) ANY OTHER LIABILITY WHICH CANNOT BE EXCLUDED UNDER APPLICABLE LAW.
SUBJECT TO THE FOREGOING, YOU USE THE SITE AT YOUR OWN RISK AND IN NO EVENT SHALL INSURVISOR MEDIA GROUP COMPANIES
(ITS OFFICERS, DIRECTORS AND AFFILIATES) BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL
LOSSES OR DAMAGES OR ANY LOSS OF INCOME, PROFITS, GOODWILL, DATA, CONTRACTS, USE OF MONEY, OR LOSS OR DAMAGES ARISING FROM OR
CONNECTED IN ANY WAY TO BUSINESS INTERRUPTION OF ANY TYPE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, YOUR ACCESS TO, DISPLAY
OF OR USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO ACCESS, DISPLAY OR USE THIS WEBSITE (INCLUDING, BUT NOT LIMITED TO,
YOUR RELIANCE UPON OPINIONS APPEARING ON THIS WEB SITE; ANY COMPUTER VIRUSES, INFORMATION, SOFTWARE, LINKED SITES, PRODUCTS, AND
SERVICES OBTAINED THROUGH THIS WEBSITE; OR OTHERWISE ARISING OUT OF THE ACCESS TO, DISPLAY OF OR USE OF THIS WEBSITE) WHETHER BASED
ON A THEORY OF NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF INSURVISOR HAS BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES.
THESE TERMS AND CONDITIONS AND FOREGOING LIABILITY DISCLAIMER, DO NOT AFFECT MANDATORY
LEGAL RIGHTS THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW.
The limitation of liability reflects the allocation of risk between the parties.
The limitations specified in this section will survive and apply even if any limited
remedy specified in these terms is found to have failed of its essential purpose.
The limitations of liability provided in these terms inure to the benefit of Insurvisor Media Group Companies.
You agree to defend and indemnify Insurvisor and its affiliates and any of their officers, directors,
employees and agents from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by third parties as a result of:
(i) your breach of this Agreement or the documents referenced herein;
(ii) your violation of any law or the rights of a third party; or
(iii) your use of this Website.
LINKS TO THIRD-PARTY SITES
This Website may contain hyperlinks to websites operated by parties other than Insurvisor.
Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites.
Further, it is up to you to take precautions to ensure that whatever links you select or software you download (whether from this Website or other websites) is free of such items as viruses, worms, trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators. In some cases you may be asked by a third party site to link your profile on Insurvisor to a profile on another third party site. Choosing to do so is purely optional, and the decision to allow this information to be linked can be disabled
(with the third party site) at any time.
SOFTWARE AVAILABLE ON THIS WEBSITE
Unless otherwise specified, the materials on the websites are presented solely to provide information regarding and to promote Insurvisor's services, websites, partners and other products available. The Insurvisor websites are controlled and operated by Insurvisor from its offices in Winchmore Hill, LONDON N21 1BL. Those who choose to access the Insurvisor website from outside the UK do so
on their own initiative and are responsible for compliance with local laws, if and to the extent that local laws are applicable.
Software from the Insurvisor websites is further subject to the UK export controls. Any software that is made available to download from the Insurvisor websites ("Software") is the copyrighted work of Insurvisor, or Insurvisor Affiliates, or other third party software as identified. Your use of such Software is governed by the terms of
the end user license agreement, if any, which accompanies, or is included with, the Software ("License Agreement").
You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software made available for download on this Website not accompanied by a License Agreement, we hereby grant to you, the user, a limited,
personal, nontransferable license to use the Software for viewing and otherwise using this Website in accordance with these terms and conditions and for no other purpose.
Please note that all Software, including, without limitation, all HTML, XML, Java code and Active X controls contained on this Website, is owned by Insurvisor, and/or its affiliates, and is protected by copyright laws and international treaty provisions.
Any reproduction or redistribution of the Software is expressly prohibited, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION
OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT.
Currency rates are based on various publicly available sources and should be used as guidelines only. Rates are not verified as accurate,
and actual rates may vary. Currency quotes may not be updated on a daily basis. The information supplied by this application is believed to
be accurate, but Insurvisor, and/or its affiliates do not warrant or guarantee such accuracy.
When using this information for any financial purpose, we advise you to consult a qualified professional
to verify the accuracy of the currency rates.
We do not authorize the use of this information for any purpose other than your personal use and you are expressly prohibited
from the resale, redistribution, and use of this information for commercial purposes.
Portions of Insurvisor mobile software may use copyrighted material, the use of which Insurvisor acknowledges.
In addition, there are specific terms that apply to use of certain Insurvisor mobile applications.
COPYRIGHT AND TRADEMARK NOTICES
All contents of this Website are: ©2014 Insurvisor. All rights reserved. Insurvisor is not responsible for
content on websites operated by parties other Insurvisor. Insurvisor, the logo and all other product
or service names or slogans displayed on the Site are registered and/or common law trademarks of Insurvisor
and/or its suppliers or licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Insurvisor or the applicable trademark holder.
In addition, the look and feel of the Site, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of Insurvisor and may not be copied, imitated or used, in whole or in part, without the prior written permission of Insurvisor. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by Insurvisor.
Other logos and product and company names mentioned herein may be the trademarks of their respective owners.
Notice and Take-Down Policy for illegal content Insurvisor operates on a "notice and takedown" basis. If you have any complaints or objections to material or content including User Messages posted on this Site, or if you believe that material or content posted on this Site infringes a copyright that you hold, please contact us immediately by following our notice and takedown procedure. Click here to view the Notice and Takedown Procedure.
Once this procedure has been followed Insurvisor will make all reasonable endeavours to remove illegal content within a reasonable time.
Insurvisor may change, add or delete these Terms and Conditions or any portion thereof from time to time in its sole discretion where it deems it necessary for legal, general regulatory and technical purposes, or due to changes in the services provided or nature or layout of the Site.
Thereafter, you expressly agree to be bound by any such amended Terms and Conditions.
Insurvisor may change, suspend or discontinue any aspect of the Insurvisor service at any time, including availability of any feature, database or content. Insurvisor may also impose limits on certain features and services or restrict your access to all or parts of the Site or any other Insurvisor web site without notice or liability for technical or security reasons, to prevent against unauthorised access, loss of, or destruction of data or where we consider in our sole discretion that you are in breach of any provision of these Terms and Conditions or of any law or regulation and where it decides to discontinue providing a service.
YOUR CONTINUED USE OF INSURVISOR NOW, OR FOLLOWING THE POSTING OF ANY SUCH NOTICE OF ANY CHANGES WILL INDICATE ACCEPTANCE BY YOU OF SUCH
This Website is operated by a U.K.entity and this Agreement is governed by the laws of the UK.
You hereby consent to the exclusive jurisdiction and venue of courts in UK, and stipulate to the fairness and convenience of proceedings in such courts for all disputes arising out of or relating to the use of this Website.
You agree that all claims you may have against Insurvisor arising from or relating to the Site must be heard and resolved in a court of competent subject matter jurisdiction located in the state of the UK. Use of this Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including, without limitation, this paragraph.
The foregoing shall not apply to the extent that applicable law in your country of residence requires application of another law and/or jurisdiction and this cannot be excluded by contract.
You agree that no joint venture, agency, partnership, or employment relationship exists between you and the Insurvisor Media Group Companies and/or Affiliates as a result of this Agreement or use of this Website.
Our performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement limits our right to comply with law enforcement or other governmental or legal requests or requirements relating to your use of this Website or information provided to or gathered by us with respect to such use. To the extent allowed by applicable law, you agree that you will bring any claim or cause of action arising from or relating to your access or use of this Website within two (2) years from the date on which such claim or action arose or accrued or such claim or cause of action will be irrevocably waived.
If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remaining provisions in the Agreement shall continue in effect.
This Agreement (and any other terms and conditions referenced herein) constitutes the entire agreement between you and Insurvisor with respect to this Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the customer and Insurvisor with respect to this Website. 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.
These Terms and Conditions are available in the language of the Site. The specific Terms and Conditions under to which you signify your agreement will not be individually stored by Insurvisor.
The Site may not always be updated on a periodic or regular basis and consequently is not required to register as editorial product under any relevant law.
Fictitious names of companies, products, people, characters, and/or data mentioned on this Website are not intended to represent any real individual, company, product, or event.
Any rights not expressly granted herein are reserved.