Terms

 

InsuranceQuotesFast.com

Effective Date: March 29th, 2013

Welcome to www.insurancequotesfast.com (the “Site”), a web site owned and operated by KnowYourCorp a Delaware Corporation (“KYC”). By visiting, using, registering and/or submitting information to the Site, you agree to be bound by the terms and conditions of these Terms of Use (“Terms of Use”) and KYC’s Privacy Policy, located at http://www.insurancequotesfast.com/privacy (the “Privacy Policy”).

Your Access and Use of the Site

You are only entitled to access and use the Site for lawful purposes and pursuant to the terms and conditions of these Terms of Use and KYC’s Privacy Policy.

Your access and use of the Site may be interrupted, from time to time, for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Site or other actions that KYC, in its sole discretion, may elect to take. KYC reserves the right to suspend or discontinue the availability of the Site and/or any portion or feature of the Site at any time in its sole discretion and without prior notice. Any action by you that violates the terms and conditions of these Terms of Use and/or KYC’s Privacy Policy, or restricts, inhibits or prevents any access, use or enjoyment of the Site by others, may result in your loss of the right to access and use the Site. KYC prohibits caching, unauthorized hypertext links and the framing of any content available through the Site. KYC reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the content available on any other Internet sites linked to the Site.

The Site is Not Intended for Minors

The Site is not intended to be used by, and is not directed to, anyone under 18 years of age. By using this Site, you represent that you are at least 18 years of age.

Your Use of the Content

KYC grants you a limited license to access, print, download or otherwise make personal use of the Content for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or utilize it for any commercial purpose. You may not decompile, reverse engineer, or disassemble the Software.

Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content as permitted by these Terms of Use, is permitted by you without the express prior written permission of KYC, which permission may be withheld in KYC’s sole discretion. You may not use any meta tags or any other “hidden text” utilizing KYC’s name or trademarks without the express written permission of KYC, which permission may be withheld in KYC’s sole discretion.

Interference with the Site.

You may not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, without KYC’s express prior written permission which may be withheld in KYC’s sole discretion. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in KYC’s sole discretion an unreasonable or disproportionately large load on KYC’s infrastructure; (ii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iii) bypass any measures KYC may use to prevent or restrict access to the Site. Notwithstanding the foregoing, KYC grants the operators of public search engines permission to copy materials from the Site for the sole purpose and solely to the extent necessary for creating publicly available searchable indices of the materials on the Site, but not caches or archives of such materials. KYC reserves the right to revoke these exceptions either generally or in specific cases. You shall not collect or harvest any personally identifiable information, including account names, from the Site. You shall not use any communication systems provided on the Site (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of the Site without the express written permission of KYC, which permission may be withheld in KYC’s sole discretion.

Electronic Communications

When you visit the Site or send email to KYC, you are communicating with KYC electronically. You consent to receive communications from KYC electronically. You agree that all agreements, notices, disclosures and other communications that KYC provides to you electronically satisfy any legal requirement that such communications be in writing.

Third Party Links

There may be provided on the Site links to other web sites belonging to KYC’s advertisers, business partners, affiliates and other third parties. Such links do not constitute an endorsement by KYC of those web sites, nor the products or services listed on those web sites. KYC is not responsible for the activities or policies of those web sites. KYC does not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. KYC does not guarantee that the loan terms or rates offered by any particular advertiser, business partner, affiliate or other third party on the Site are the best terms or lowest rates available in the market.

Copyright Infringement

KYC respects the intellectual property of others, and we ask our users to do the same. Thus, in your use of and interactions with KYC and the Website, you may not post, modify, distribute, or reproduce in any way any User Generated Content that is copyrighted material belonging to others, without obtaining their prior written consent. KYC reserves the right, in its discretion, to remove any User Generated Content if we believe it may infringe the copyright rights of others, and/or to terminate the accounts of users who we believe to be infringers. If you believe that your work has been copied and posted on the Site in a way that constitutes copyright infringement, we will respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act of 1998 (the “DMCA”) in accordance with our Infringement Policy.

No Representations or Warranties Regarding Content; Disclaimers

THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. KYC MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE.

KYC DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE, NOR THE RELIABILITY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. KYC MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

The Content is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, KYC recommends that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE IS AT YOUR SOLE RISK. The Site is controlled and offered by us from our facilities in the United States of America. KYC makes no representations that the Site is appropriate or available for use in other jurisdictions. If you access or use the Site from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law.

Limitations on KYC’s Liability

KYC SHALL IN NO EVENT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF: (I) YOUR BREACH OR VIOLATION OF THESE TERMS OF USE; (II) YOUR ACCESS AND USE OF THE SITE; (III) YOUR DELAY IN ACCESSING OR INABILITY TO ACCESS OR USE THE SITE FOR ANY REASON; (IV) YOUR DOWNLOADING OF ANY OF THE CONTENT OR THE COLLECTIVE WORK FOR YOUR USE; (V) YOUR RELIANCE UPON OR USE OF THE CONTENT OR THE COLLECTIVE WORK, OR (VI) ANY INFORMATION, RATINGS, REPORTS, PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF KYC AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. KYC’S LIABILITY AND THE LIABILITY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS ARISING OUT OF YOUR USE OF THE SITE SHALL NOT EXCEED $100.

YOU AND WE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.

IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS: “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.”

Your Indemnification of KYC

You shall defend, indemnify and hold harmless KYC and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or attributable to: (i) any breach or violation of these Terms of Use by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by KYC; (iii) your access or use of the Site; (iv) access or use of the Site under your user name; and/or (v) your transmissions, submissions or postings (i.e., your own User Generated Content).

Modification of these Terms of Use

KYC reserves the right to update, amend and/or change these Terms of Use at any time in its sole discretion. Updates to these Terms of Use will be posted here. You are encouraged to revisit these Terms of Use from time to time in order to review any changes that have been made. Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes.

Irreparable Harm

You acknowledge that KYC may be irreparably damaged if these Terms of Use are not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of these Terms of Use by you, KYC shall be entitled, in addition to all rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of these Terms of Use.

Governing Law and Venue

You agree these Terms of Use, as well as any and all claims arising from these Terms of Use will be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, United States of America without regard to any conflict or choice of law principles. The sole jurisdiction and venue for any litigation arising out of these Terms of Use will be the federal and state courts located in Middlesex County, Massachusetts.

Miscellaneous

If any portion of these Terms of Use is deemed unlawful, void or unenforceable by any court of competent jurisdiction, these Terms of Use as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of these Terms of Use that is unlawful, void or unenforceable shall be stricken from these Terms of Use. The headings contained in these Terms of Use are for convenience of reference only, are not to be considered a part of these Terms of Use, and shall not limit or otherwise affect in any way the meaning or interpretation of these Terms of Use.These Terms of Use and the Privacy Policy located at the URL http://www.insurancequotesfast.com/privacy represent the entire understanding and agreement between you and KYC regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same. The failure of KYC to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use and your account may not be assigned by you without our express written consent. KYC may assign any or all of its rights and obligations to others at any time. KYC shall not be responsible or liable for any loss, damage, delay or failure to act caused by any cause beyond KYC’s reasonable control. Any provisions of these Terms of Use that, in order to fulfill the purposes of such provisions, need to survive the termination or expiration of these Terms of Use, shall be deemed to survive for as long as necessary to fulfill such purposes.

If you have any questions or comments regarding these Terms of Use, you may contact us at:

KnowYour Corp., One Boston Place, Suite 2600, Boston, MA, 02108
Email: info@bankaffiliates.com