Insurance Education Centers of America: Terms of Use

Insurance Education Centers of America ("IECA") operates this website (the "IECA Site") to provide you with information about IECA and its services. By using this website, you agree that you have read, understood, and agree to be bound by these Terms of Use and our privacy policy (collectively the "Terms of Use"). We may modify these Terms of Use at any time without notice to you by posting revised Terms of Use. Your use of this site constitutes your binding acceptance of these Terms of Use, including any modifications that we make. Unless expressly stated otherwise, any new features, products or services added to the IECA Site shall be subject to the Terms of Use. Some new products, services, or features may require your acceptance of new or additional terms.

While IECA makes reasonable efforts to insure that all material on the IECA Site is correct, accuracy cannot be guaranteed. IECA does not assume any responsibility for the accuracy or completeness of any information contained in this website, results obtained from the use of this website, or interruptions in the availability of this website. The IECA Site is provided to you on an "as is" basis without warranty of any kind, either express or implied, including but not limited to the condition, quality, performance, accuracy, reliability, non-infringement, merchantability, or fitness for a particular purpose or use of the IECA Site. IECA makes no warranty that the IECA Site will meet your requirements, or that the IECA Site will be uninterrupted, timely, secure, or error-free.

Some portions of the IECA Site may include links to third party websites. These links allow you to exit the IECA Site and enter third party websites. These links are provided only as a convenience. The linked websites are not reviewed, controlled or examined by IECA and IECA is not responsible for the information, advertising, products, resources or other material, of any linked website or any link contained in a linked website. The inclusion of any link does not imply endorsement of the linked website by IECA. In no event shall IECA be liable, directly or indirectly, to anyone for any damage or loss arising from or occasioned by the creation, use or reliance, on the third parties' websites or the information, advertising, products, resources or material accessed through these websites.

The content on the IECA Site and any intellectual property rights embodied therein are the property of IECA or its information providers. Unless otherwise stated herein, none of the materials on this website may be copied, reproduced, modified, distributed, republished, broadcast or otherwise used without the express permission of IECA or the original copyright holder. IECA grants permission to print materials posted on this website solely for your personal, non-commercial use, provided that you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials. Unauthorized use of materials contained on this site is expressly prohibited by law, and may result in civil and criminal penalties. This permission terminates if you breach any of these Terms of Use. Upon termination you agree to destroy any materials downloaded from this site.

The trademarks, service marks, and logos used and displayed on this website are trademarks of IECA and others. Elements of the IECA Site are protected by trade dress and other laws and may not be copied or imitated, in whole or in part. No license or right to use any trademark, service mark, logo, graphic, sound, or image, or element of the IECA Site is granted by these Terms of Use or your use of the IECA Site. IECA aggressively enforces its intellectual property rights to the fullest extent of the law. IECA's trademarks may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this website, without our prior, written permission.

Any information, including but not limited to remarks, suggestions, ideas, graphics or other submissions, communicated to IECA by you through the IECA Site, including but not limited to intellectual property related thereto, will be treated as non-confidential and non-proprietary and IECA may, without compensation, copy, incorporate, distribute or otherwise use such communications for any commercial or non-commercial purpose. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material.

In no event shall IECA be liable to any party for any damages, including without limitation any direct, indirect, special, punitive, incidental or consequential damages (including, but not limited to, damages for lost profits, lost data, lost business, or loss of use of facilities or equipment), or any other damages arising out of the availability, use, reliance on, inability to utilize or improper use of the IECA Site, or third party sites linked to or from the IECA Site, even if IECA shall have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above exclusions of incidental and consequential damages may not apply to you.

You agree to indemnify and hold harmless IECA, its subsidiaries, and affiliates, and its and their respective employees, from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs and expenses (including without limitation reasonable attorneys' fees and disbursements and court costs) arising from or in connection with your violation of these Terms of Use or your violation of any rights of any third party.

If any part of the Terms of Use 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 shall be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect as valid and enforceable.