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This Web site is owned and operated by InsuranCenter of Alpena. (hereafter " Copyright And Trademark Notices All contents of this Web site are: Copyright © 2006 InsuranCenter of Alpena, or third-party content providers and are protected by copyright law. All rights reserved. InsuranCenter of Alpena, and other names of InsuranCenter of Alpena products referenced herein are trademarks or registered trademarks of InsuranCenter of Alpena. Other trademarks/logos are the property of their respective owners. This Web site is for the User's personal, noncommercial use. If you download any material, you must keep all copyright and other notices intact. The right to use it is not transferable to any other person or entity. User is responsible for all use of User's account (under any screen name or password) and for ensuring that all use of this Web site through User's account complies fully with the provisions of this Agreement. User may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, or other content, software, products or services obtained from this Web site. In addition, the information may not be taken out of context or presented in an unfair, misleading or discriminatory manner. Re-Use, Copying and Reproducing Content Copying or Reproduction of InsuranCenter of Alpena or Disclaimer ALL MATERIALS AND SERVICES IN THIS SITE AND THIRD-PARTY SITES TO WHICH IT LINKS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. THE CONTENT PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN.
Use of this site is at your own risk. This site may contain advice, opinions, and statements of various information providers and content providers. InsuranCenter of Alpena does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Neither Insurance Journal nor its affiliates, nor any of their respective agents, employees, information providers or content providers shall be liable to any User or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, or for any damages resulting therefrom. Use of Forums/Comments/Message Boards InsuranCenter of Alpena welcomes comments from insurance professionals and members of the public relative to the industry. However, as we are a specialized publication, please limit your postings to matters concerning the insurance industry or to significant events affecting it. Personal (ad hominem) attacks, social diatribes and political statements (unless they pertain to insurance) are an improper use of the forum. It is a condition of your use of the Forums and this Web site that you do not upload to, post, distribute or transmit to or through this site any messages, information or materials which violate or infringe in any way the rights of others, or which are libelous, defamatory, obscene, pornographic, threatening, abusive, unlawful or would otherwise violate any law, or encourage such conduct, or which, without Insurance Journal' express prior consent, contains advertising or any commercial solicitation; post or transmit any material that contains a virus or other harmful component; restrict or inhibit anyone from using and enjoying the Web site. InsuranCenter of Alpena has no responsibility for the content of any messages, information or materials uploaded, posted, distributed, or transmitted by Users of this site. However, InsuranCenter of Alpena retains the right, but not the obligation in its sole discretion, to monitor, review, delete or refuse to post any third-party content that InsuranCenter of Alpena deems to be objectionable or in violation of these Terms and Conditions. InsuranCenter of Alpena reserves the right to disclose any information as necessary to satisfy any law, regulation or governmental request. By submitting messages, information and material to any public area of this site, you are granting InsuranCenter of Alpena a perpetual royalty-free license to reproduce, edit, modify, publish, transmit and display, transmit, create derivative works from, distribute or perform it in whole or in part or incorporate it in any form, medium or technology now known or later developed. User agrees to indemnify and hold harmless InsuranCenter of Alpena and all officers, directors, shareholders, employees, authorized representatives and agents form and against all claims and expenses, including attorneys' fees, arising out of any messages, information or materials uploaded, posted, distributed, or transmitted to or though this site by you. User agrees to (as available) send and receive electronic mail, engage in conferences and chats, download and upload files, and otherwise use this Web site only as permitted by these terms and conditions, any additional policies or procedures published in this Web site from time to time by Insurance Journal, and applicable law. Links To Third-Parties' Web Sites This Web site may contain links and pointers to Internet sites maintained by third parties. InsuranCenter of Alpena does not operate or control in any respect any information, products or services on such third-party sites. Third-party links are included solely for the convenience of Users, and do not constitute any endorsement by InsuranCenter of Alpena and/or its suppliers. User assumes sole responsibility for use of third-party links and pointers and disclaimers set forth herein are equally applicable to such third-party sites. InsuranCenter of Alpena respects the privacy of its readers and shall not disclose, distribute or rent its E-mail subscriber newsletter list to any third party, nor shall it permit anyone else to do so. Modification InsuranCenter of Alpena shall have the right, at its discretion, to change, modify, add or remove terms of this agreement at any time without notice. Changes shall be effective immediately. You agree to review this agreement periodically since subsequent use by you of this site shall constitute your acceptance of any changes. InsuranCenter of Alpena shall have the right at any time to change or discontinue any aspect of the web site, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions shall be effective immediately upon posting and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes, modifications or deletions. Termination This agreement is effective until terminated by InsuranCenter of Alpena, at any time without notice. Indemnity/Limitation of Liability Under no circumstances, including, but not limited to, negligence, shall InsuranCenter of Alpena, or its affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, InsuranCenter of Alpena's materials. You specifically acknowledge and agree that Insurance Journal is not liable for any conduct of any User. As a condition of use of this Web site, the User agrees to indemnify InsuranCenter of Alpena and its suppliers from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from User's use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions. If you are dissatisfied with any InsuranCenter of Alpena material, or with any of InsuranCenter of Alpena' terms and conditions, your sole and exclusive remedy is to discontinue using the InsuranCenter of Alpena Web site. General InsuranCenter of Alpena reserves the right to make any and all changes to this Web site at its sole discretion without notice to the User. InsuranCenter of Alpena reserves the right to deny access to this Web site to anyone at any time. This Agreement shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this Web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall control. This Agreement has been made in and shall be construed and enforced in accordance with Service Contact Contact InsuranCenter of Alpena with questions or problems with this Web site. Any rights not expressly granted herein are reserved.
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