PLEASE READ THE FOLLOWING TERMS OF SERVICE RELATING TO YOUR USE OF THE insuranceopedia.COM
WEBSITE CAREFULLY AS THEY GOVERN YOUR USE OF THE SITE
AND ALL SERVICES OFFERED THROUGH THE SITE.
1. ACCEPTANCE OF TERMS
Thank you for using insuranceopedia.com ('Site'), the website for middle
market M&A education provided by Janalta Interactive Inc. ('Janalta').
The Site is owned and operated by Janalta. All references to insuranceopedia
include Janalta Interactive Inc., its entities, affiliates, websites
and subsidiaries. insuranceopedia.com provides the services offered on the
Site subject to the Terms of Service ('TOS') contained herein, which may
be updated from time to time without notice to you. You can review the most up-to-date version of the
Site's TOS by visiting this page.
By using the Site, you agree and consent to be bound by these TOS and all disclaimers, rules and terms
and conditions that appear elsewhere
on or in connection with the Site. If at any time you become dissatisfied with the TOS, you agree that
your sole and exclusive remedy is to
discontinue using the Site and Services (as defined below). The laws of Alberta will govern the TOS
without giving effect to any principles
of conflicts of laws.
2. SERVICES OFFERED BY insuranceopedia.com
insuranceopedia.com provides users with services including white papers,
downloads, articles, communication tools, search services, media galleries,
video sharing and uploading, forums, social networking and user profiles (each a 'Service' and
collectively, 'Services'). You hereby acknowledge
that the Service may include advertisements from third parties unrelated to
insuranceopedia.com. You further understand and acknowledge that in providing
the Services, insuranceopedia.com may, at its sole discretion, communicate
with me via email, newsletters, service announcements, administrative
messages and other modes of communication. When added, all new Services shall be subject to this TOS. As
described herein, all Services are
provided to you on an “as-is” basis and insuranceopedia.com assumes no
responsibility for your use of the Services, User Profile and Content. By
using the Services, you acknowledge that you are responsible for obtaining access to the Site and
Services, including any third-party fees (i.e.
equipment fees, Internet service provider or airtime charges).
User Information, including the information provided when you use the Site and Services is subject to
You understand that through your use of the Site and Services you consent to the collection and use (as
information by insuranceopedia.com and its affiliates.
4. EDITORIAL POLICY
insuranceopedia.com does not accept financial incentives in exchange for
favorable reviews. If we write favorably about something, it is because
we think it is a good product or idea. We did not receive any money to do so. Our editors have complete
freedom to choose the things that they
want to cover, and those they do not. Our editors and writers decide what they want to write about
solely based on the promise of delivering
the latest and greatest when it comes to all things relating to whitepapers or Marketing or Marketing
Technology. They are free to cover any products and
services they like, provided they meet that one guiding principle.
Once our editors make these decisions and choose to publish about a particular product or service, our
business development team may contact
the company providing that service to create an affiliate relationship with them. Through such
relationships, the provider may pay insuranceopedia.com
a fee for obtaining user contact information or an affiliate fee for putting a link on our website to
their website. Not only does this provide
our users with valuable information and content, but it also allows
insuranceopedia.com to generate revenues essential to sustaining our
As a well-informed IT Professional, we know that you understand that
insuranceopedia.com needs to generate revenue if it is to continue providing
high quality information. These partner relationships are one way we generate such revenue.
In addition to partner relationships, insuranceopedia.com will accept
advertising from appropriate companies for which it receives payments. Advertisements
will be clearly marked as advertisements. As a member of our community, we will endeavor to ensure that
there is absolutely no confusion as
to the source of anything on our site.
You do not need to be a registered user to access the Site. However, to utilize some of the Services
offered on the Site, insuranceopedia.com may
require you to register and create an account (“User Account”). Registration is free. If you are
requested by insuranceopedia.com to provide information
in connection with a registration process and creating a User Account or in the use of any Services,
your use of the Services shall be conditioned
upon providing such information, and in such event you agree to provide true, accurate, current and
complete information as prompted by the
Service's interface, and you agree to update such information as necessary from time to time to keep it
true, accurate, current and complete.
6. PERSONAL INFORMATION
If you create a User Account and become a registered user of the Site and Services, you may provide
certain Content (as defined below) and
other information to be posted within social networking, media gallery and forum areas of the Site
(collectively “User Information”).
Registered Users of insuranceopedia.com have a degree of control over who will
see User Information. You can visit your User Account at any time
by clicking on the Edit Profile link next to your username in the top right-hand corner of any
page. However, you
should assume your User Information is public, and portions might be visible by anyone who visits the
Site, as well as search engines. As such,
even if such User Information is later removed from the Site, it may be stored on computers of people
who visited the Site. When you remove
such User Information is removed from the Site, it still may be available on the computers of third
BECAUSE OF THIS, UNDER NO CIRCUMSTANCES SHOULD ANY USER EVER POST ANY PERSONALLY IDENTIFYING INFORMATION
SUCH AS THEIR ACCOUNT PASSWORD, FULL
NAME, HOME ADDRESS, PHONE NUMBER OR E-MAIL ADDRESS IN ANY PUBLIC AREA OF THE SITE. AUTHORIZED
REPRESENTATIVES OF insuranceopedia.com WILL
YOU FOR YOUR PASSWORD AND UNDER NO CIRCUMSTANCES SHOULD YOU DISCLOSE IT TO ANYONE, EVER.
insuranceopedia.com will make every effort to ensure that any User Information
you provide is shared solely with those allowed. In the event that
User Information you provide is accidentally displayed in a manner that you did not authorize, you can
notify us of the error by contacting us. You agree that in the
event that in the event that insuranceopedia.com does make such an error, your
sole remedy against us
is to require us to change the privacy settings as originally intended.
If you register for the Site and Services and create a User Account, you will be provided a username and
password for such User Account. You
acknowledge that you are responsible for maintaining the confidentiality of the password as well as any
and all activity that occur under your
User Account and password. You agree that at the end of each session using the Site and Services, you
will exit your User Account. In the event
of any unauthorized use of your password and/or User Account, you agree that you will immediately notify
insuranceopedia.com by contacting us
. insuranceopedia.com cannot and will not be liable for any and all losses or
damages arising from your failure to comply with
8. USE OF THE SITE AND SERVICES
The Site and Services are intended for your personal, noncommercial use in accordance with these TOS. By
using the site, you agree that you
will not copy, display or distribute any part of the Site, including Content provided by third parties,
in any medium, without insuranceopedia.com's
prior written consent. You also agree that you will not use any automated devices such as spiders,
robots or data mining techniques to catalog,
download, store or otherwise reproduce, store or distribute Content available on the Site or to exceed
the access granted to you by insuranceopedia.com.
Illegal and/or unauthorized use of the Site and Services is a violation of this Agreement.
insuranceopedia.com reserves the right to take legal
action for any such violation to the full extent permitted by law.
9. USER SUBMISSIONS AND CONTENT
You acknowledge and agree that all white papers, information, data, text, software, music, sound,
photographs, graphics, video, messages, products,
services or other materials posted to the Site ("Content") are the sole responsibility of the person or
entity from which such Content originated.
You are entirely responsible for all Content that is uploaded, posted, transmitted or otherwise made
available via the Services by you or through
your account, if any.
You represent and warrant that you own or have the necessary rights in and to any and all Content
(including written consent for each individual
person identifiable in such Content to use the name or likeness of each such person in the manner
contemplated by the Service) uploaded, posted,
transmitted or otherwise made available via the Service by you. You also represent and warrant that the
Content will not infringe on copyright,
trademark, privacy or other proprietary rights of others and is not libelous, slanderous or defamatory.
insuranceopedia.com does not control the
Content posted via the Services and does not guarantee the accuracy, integrity or quality of any such
insuranceopedia.com will use commercially reasonable efforts to block or
remove offensive or inappropriate Content discovered by or reported to
insuranceopedia.com. Notwithstanding the foregoing,
insuranceopedia.com cannot and will not review all Content, and you understand
that by using the Services,
you may be exposed to Content that you find to be offensive. Under no circumstances will
insuranceopedia.com be liable to you or to any third party
in any way for any Content, including, but not limited to, for any errors or omissions in any Content,
or for any loss or damage of any kind
incurred as a result of any access to or use of any Content posted, transmitted or otherwise made
available via the Services.
You acknowledge that insuranceopedia.com is under no obligation to pre-screen
or otherwise review any Content, but also that insuranceopedia.com and
its designees shall have the right in their sole discretion for any reason and without notice to refuse,
move or remove and discard any Content
submitted, posted or otherwise available via the Services.
You agree that you must evaluate, and bear all risks associated with, the use of any Content, and you
shall not rely on the accuracy, completeness,
usefulness or nature of such Content. You acknowledge and agree that
insuranceopedia.com may preserve Content and may also disclose Content to
if required to do so by law or in the good faith belief that such preservation or disclosure is
reasonably necessary to: (a) comply with legal
process; (b) enforce these Terms; (c) respond to claims that any Content violates the rights of
third-parties; or (d) protect the rights, property,
or personal safety of insuranceopedia.com, its users and the public. You
understand that the technical processing and transmission of the Services,
including Content, may involve transmissions over various networks and changes to conform and adapt to
technical requirements of connecting
networks or devices.
10. LICENSE TO CONTENT SUBMITTED BY USERS
insuranceopedia.com does not claim ownership of the Content uploaded, posted,
transmitted or otherwise made available by you via the Services. By
submitting Content via the Services and until such Content is removed, you grant
insuranceopedia.com an irrevocable, perpetual, transferable, sublicensable,
worldwide, royalty-free, and non-exclusive license to use, distribute, reproduce, modify, adapt,
publish, publicly perform, publicly display
and make derivative works from such Content.
11. MEMBER CONDUCT
You acknowledge that you are entirely responsible for all Content that you upload, post, email, transmit
or otherwise make available via the
Services. Other than Content created by insuranceopedia.com (“Site Content”),
insuranceopedia.com does not control the Content posted via the Services
and does not guarantee the accuracy, integrity or quality of such Content.
You agree that you will not use the Services to:
upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful,
threatening, abusive, harassing, tortuous,
defamatory, vulgar, pornographic or contains nudity, obscene, libelous, invasive of another's
privacy, hateful, or racially, ethnically, excessively
violent, abusive, fraudulent or otherwise objectionable;
- cause harm minors in any way whatsoever;
upload, post, email, transmit or otherwise make available any Content that could infringe upon any
copyright, trademark, publicity or privacy
right or any other intellectual property right of any person or entity unless you have first
received permission from the owner of those rights
to use such Content;
impersonate any person or entity, including a insuranceopedia.com employee
or agent, or falsely state or otherwise misrepresent your affiliation
with a person or entity;
- forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content
transmitted through the Services;
upload, post, email, transmit or otherwise make available any Content that you do not have a right
to make available under any law or under
contractual or fiduciary relationships (such as inside information, proprietary and confidential
information learned or disclosed as part of
employment relationships or under nondisclosure agreements);
upload, post, email, transmit or otherwise make available any Content that infringes any patent,
trademark, trade secret, copyright or other
proprietary rights of any party;
upload, post, email, transmit or otherwise make available any unsolicited or unauthorized
advertising, promotional materials, "junk mail,"
"spam," "chain letters," "pyramid schemes," or any other form of solicitation;
upload, post, email, transmit or otherwise make available any material that contains software
viruses or any other computer code, files or
programs designed to interrupt, destroy or limit the functionality of any computer software or
hardware or telecommunications equipment;
disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the
Service are able to type, or otherwise act
in a manner that negatively affects other users' ability to engage in real time exchanges;
interfere with or disrupt the Services or servers or networks connected to the Service, or disobey
any requirements, procedures, policies
or regulations of networks connected to the Services;
intentionally or unintentionally violate any applicable local, provincial, state, national or
international law, including, but not limited
to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any
national or other securities exchange, including,
without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any
regulations having the force of law;
- "stalk" or otherwise harass another;
- collect or store personal data about other users in connection with the prohibited conduct and
activities set forth above; and/or
- register on behalf of another person or use another's account or post private information about
third parties; and/or
- solicit personal information from others such as passwords or other Site account information.
Through the Site and Services, insuranceopedia.com may provide, or third
parties may provide, links to other websites, white papers or resources.
insuranceopedia.com has no control over such sites and resources. Therefore,
you acknowledge and agree that insuranceopedia.com is not responsible for
the availability of such external websites or resources, and does not endorse and is not responsible or
liable for any content, advertising,
products, or other materials on or available from such websites or resources. In addition, you
acknowledge and agree that insuranceopedia.com shall
have no responsibility or liability whatsoever for any damage or loss caused or alleged to be caused by
or in connection with use of or reliance
on any such content, goods or services available on or through any such website or resource.
You enter other websites at your own risk and are highly advised to review their terms of service,
privacy policies and other use agreements.
13. SUGGESTIONS, IDEAS AND RECOMMENDATIONS TO insuranceopedia.com
By submitting suggestions, ideas, recommendations and/or proposals (collectively “User Suggestions”) to
insuranceopedia.com through email, forums,
web pages or web forms, you acknowledge and agree that: (a) your User Suggestions do not contain
confidential or proprietary information; (b)
insuranceopedia.com is not under any obligation of confidentiality, express or
implied, with respect to User Suggestions; (c) insuranceopedia.com shall
be entitled to use or disclose (or choose not to use or disclose) such User Suggestions for any purpose,
in any way, in any media worldwide;
(d) insuranceopedia.com may have something similar to the User Suggestions
already under consideration or in development; (e) your User Suggestions
automatically become the property of insuranceopedia.com without any
obligation of insuranceopedia.com to you; and (f) you are not entitled to any
or reimbursement of any kind from insuranceopedia.com under any circumstances
for any User Suggestions.
You agree to defend, indemnify and hold harmless insuranceopedia.com, its
affiliates, 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: (a) your use of and access to the Services; (b) your violation of any of these TOS; (c) your
violation of any third party right, including
without limitation any copyright, property, or privacy right; or (d) any claim that any Content
uploaded, posted, transmitted or otherwise made
available by you via the Services caused damage to a third party. This defense and indemnification
obligation will survive these TOS and your
use of the Services.
insuranceopedia.com reserves the right to terminate your access to and/or use
of the Services and remove and discard any Content at any time for
any reason, including without limitation any failure to comply with any part of these TOS.
insuranceopedia.com also reserves the right to discontinue
providing all or part of the Services. You agree that any termination of your access to or use of the
Service and any discontinuation by insuranceopedia.com
in providing the Services may be effected without notice to you and that
insuranceopedia.com shall be under no obligation to retain any Content,
provide any further access to any Content or return any Content to you. You agree that
insuranceopedia.com shall not be liable to you or any third-party
for any such termination or for any interruption or discontinuation of the Services.
16. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES
ARE PROVIDED ON AN "AS IS" AND "AS
AVAILABLE" BASIS. insuranceopedia.com EXPRESSLY DISCLAIMS ALL WARRANTIES,
REPRESENTATIONS AND GUARANTEES OF ANY KIND, WHETHER EXPRESS OR IMPLIED,
STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT,
TO THE FULL EXTENT PERMISSIBLE UNDER THE LAW; (b) insuranceopedia.com WILL
MAKE REASONABLE EFFORTS TO MAINTAIN THE SERVICES, HOWEVER, insuranceopedia.com
IS NOT RESPONSIBLE FOR ANY DAMAGE, LOSS OF DATA, CONTENT OR INFORMATION, REVENUE, OR OTHER HARM ARISING
OUT OF DELAYS, MISDELIVERY OR NONDELIVERY
OF INFORMATION, RESTRICTION OR LOSS OF ACCESS, BUGS, VIRUSES OR OTHER ERRORS, UNAUTHORIZED USE, OR OTHER
INTERACTION WITH THE SERVICES. YOU
ARE RESPONSIBLE FOR MAINTAINING AND BACKING-UP YOUR DATA AND INFORMATION THAT MAY RESIDE ON THE
SERVICES. insuranceopedia.com DOES NOT WARRANT THAT
(i) THE SERVICES WILL MEET YOUR SPECIFIC REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY,
SECURE, OR ERROR-FREE, (iii) THE RESULTS
THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY
PRODUCTS, SERVICES, INFORMATION, OR
OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE AND SERVICES WILL MEET YOUR EXPECTATIONS,
AND ANY ERRORS IN ANY SOFTWARE USED IN
CONNECTION WITH THE SERVICES WILL BE CORRECTED; (c) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED
THROUGH THE USE OF THE SERVICES IS DONE SOLELY
AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER
SYSTEM OR LOSS OF DATA OR CONTENT THAT
RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL; AND (d) NO ADVICE OR INFORMATION, WHETHER ORAL OR
WRITTEN, OBTAINED THROUGH OR FROM THE SERVICES
SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
17. LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT insuranceopedia.com SHALL NOT BE
LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR
EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, DAMAGE TO PROPERTY,
PERSONAL INJURY, GOODWILL, USE, LOSS OF REPORTED
EARNINGS, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF insuranceopedia.com HAS
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), HOWEVER AND WHENEVER
ARISING, AND REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING WITHOUT LIMITATION ANY SUCH DAMAGES
RELATING TO (i) THE USE OR THE INABILITY TO
USE THE SERVICES; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY
GOODS, DATA, INFORMATION OR SERVICES PURCHASED
OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii)
UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR
TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES; OR (v) ANY OTHER
MATTER RELATING TO THE SERVICES.
Certain jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of
liability for certain types of damages.
Accordingly, some of the above disclaimers and limitations may not apply to you.
insuranceopedia.com may provide you with notices, including those regarding
changes to this TOS by email, postal mail or postings on the Service.
For the avoidance of doubt, the TOS may be updated from time to time without notice to you.
19. INTELLECTUAL PROPERTY & TRADEMARKS
You hereby acknowledge that except for Content submitted by users of the Site and Services and other
third parties, insuranceopedia.com is the sole
owner of all text, messages, information, software, scripts, images, graphics, audio, video, interactive
features, and the like contained on
the Site (“insuranceopedia.com Content”).
insuranceopedia.com owns all proprietary rights, including but not limited to
trademarks and copyrights in the
insuranceopedia.com Content and its selection, organization, and arrangement.
insuranceopedia.com Content is provided to you AS IS for your information
and personal use only and may not be used, copied, reproduced, distributed, transmitted, broadcast,
displayed, sold, licensed or otherwise exploited.
If you download or print any insuranceopedia.com Content for personal use, you
shall retain all copyright and other proprietary notices contained
The insuranceopedia.com logos, trademarks and service marks and other
insuranceopedia.com logos, product names and service names
are trademarks of Janalta Interactive Inc. You agree that you will not display or use the
insuranceopedia.com Marks in any manner whatsoever without
our prior consent.
20. PROCEDURES FOR MAKING A CLAIM OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT
insuranceopedia.com takes protecting copyright seriously. If you believe that
Site Content is being displayed in violation of your copyrights, please
immediately notify insuranceopedia.com by sending an email to
21. PROCEDURES REGARDING UNAUTHORIZED USE OF PHOTOGRAPHS OF LIVING PEOPLE POSTED ON THE SITE
If a photograph, video or other representation of your likeness (or someone to whom you are a parent or
legal guardian) is posted on the Site
without your permission, please immediately notify insuranceopedia.com by
sending an email to [email protected] to report the
use of your image with the URL where the photo can be found.
22. VIOLATIONS OF TERMS OF SERVICE
Please report violations of this TOS by contacting us. Where a
Service provides you with the ability to flag
Content as inappropriate, you may notify us of violations of these TOS by utilizing such functionality.
23. MEMBER DISPUTES
If you have a dispute with one or more users of the Site and Services, you hereby release
insuranceopedia.com from any and all claims, demands and
damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any
way connected with such disputes. If
you are a California resident, you waive California Civil Code 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."
Force Majeure - insuranceopedia.com shall not be liable for delay, termination
or diminution in the Site or Service if the same is caused by conditions
beyond a insuranceopedia.com reasonable control, including but not limited to,
governmental action, terrorist act, riot, insurrection, fire, flood,
accident, earthquake, electrical outage, telecommunications line failure, Internet outages, computer
viruses, denial-of-service attacks, network
failure, explosion, embargo, strike, labor or material shortage, transportation interruption, work
slowdown or an act of God.
Entire Agreement / Amendments - This Agreement constitutes the entire understanding between the parties
with respect to the subject of the
Agreement. Notwithstanding the foregoing, these TOS may be modified from time to time by
insuranceopedia.com without notice to you. You can review
the most up-to-date version of the Site's TOS by visiting this page.
Waiver and Severability - The failure of insuranceopedia.com to exercise or
enforce any right or provision of the TOS shall not constitute a waiver
of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to
be invalid, the parties nevertheless
agree that the court should endeavor to give effect to the parties' intentions as reflected in the
provision, and the other provisions of the
TOS remain in full force and effect.
Statute of Limitations - You agree that regardless of any statute or law to the contrary, any claim or
cause of action arising out of or related
to use of the Site, Service or the TOS must be filed within one (1) year after such claim or cause of
action arose or be forever barred.
Governing Law - This Agreement shall be construed and interpreted under the substantive laws of Alberta,
without regard to the choice of law
provisions of any jurisdiction. This Agreement shall be enforced in the courts of Alberta.
Entire Agreement - This document contains the entire understanding and agreement between you and
insuranceopedia.com with regard to your use of
the Services. Notwithstanding the foregoing, you acknowledge that you may be subject to additional terms
and conditions that may apply when
you use or purchase other services from insuranceopedia.com and/or third
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