Terms and Conditions of Use
The following terms and conditions of use (the "Terms and Conditions") govern your use of the Life-Insurance-Oracle.com website. The website is made available by Life Insurance Oracle and its affiliates companies. BY USING THE SITE, YOU ACCEPT AND AGREE TO THESE TERMS AND CONDITIONS AS APPLIED TO YOUR USE OF THE SITE. Life-Insurance-Oracle.com does sell or directly solicit life insurance or any other financial products. If you do not agree to these Terms and Conditions, you may not access or otherwise use the Site. We may change the Terms and Conditions from time to time, and at any time without notice to you, by posting such changes on the Site. By using the Site following any modifications to the Terms and Conditions, you agree to be bound by any such modifications to the Terms and Conditions and our Privacy Policy.Copyright Notice: All information, content, services and software displayed on, transmitted through, or used in connection with Life-Insurance-Oracle.com, including, without reservation, articles, tutorials, directories, text, data, images, illustrations, images, code, trademarks, logos, and all other materials, as well as its selection and arrangement, (collectively, the "Content") is owned by Life Insurance Oracle and its affiliated companies, licensors and suppliers.
User Conduct: You may use the Content online only, and solely for your personal, non-commercial use, except where explicitly provided otherwise and/or with the prior express written consent of Life Insurance Oracle. You may download or print a single copy of any portion of the Content for your personal use provided you do not remove any trademark, copyright or other notice from such Content.
If you operate a Web site and wish to use our syndicated content, you may do so provided you agree to and follow the Terms of Use governing such content.
If you operate a Web site and wish to link to Life-Insurance-Oracle.com you may do so provided you agree to abide by these the Terms of Use, and you agree to cease such link upon request from Life Insurance Oracle.
The permitted use described in this paragraph is contingent on your compliance at all times with these Terms of Service. You may not, for example, distribute, modify, copy, frame, cache, reproduce, sell, publish, transmit, display or otherwise use all or any portion of the Content on any Internet, Intranet or extranet site or incorporate the Content in any database, compilation, archive or cache except where explicitly provided otherwise. You may not distribute, whether or not for payment or other consideration, any portion of the Content, including, without reservation, any data, articles, databases, tutorials, directories, text, images, illustrations, images, code, trademarks, logos, and all other materials, or any other part of the Content to others, except where explicitly provided otherwise.
You may not scrape or otherwise copy any Content without permission. You agree not to decompile, reverse engineer or disassemble any software, code 'snippets', or other products or processes accessible through Life-Insurance-Oracle.com, and not to use any data mining, data gathering or extraction method, or other means to extract any data or data fields from this site.
Requests to use Content for any purpose other than as specifically permitted in these Terms of Service should be directed to Life Insurance Oracle.
User Submissions: In the course of your use of the Life-Insurance-Oracle.com, you may be asked to provide, or you may provide on your own inclination, information or materials to us. User Submissions include, for example, information you submit to us via your request for a quote to receive quotations. User Submissions also include information and materials you submit to us via other on-line forms on the Life-Insurance-Oracle.com, by e-mail, or in any other manner via the Life-Insurance-Oracle.com. Our information collection and use policies with respect to the privacy of personal information (with the exception of testimonials, which may be used as set forth, below) are set forth in the Site's Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Submissions. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Submissions. We cannot be responsible for maintaining any User Submissions that you provide to us, and we may delete or destroy any such User Submissions at any time. We reserve the right to refuse to post or to remove any User Submissions, in whole or in part, that, in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.
Third Party Content or Materials: Life-Insurance-Oracle.com makes available information of third parties, such as articles, data, news, reports, calculation tools, and other materials. This information is provided for your convenience and information only and Life-Insurance-Oracle.com makes no representation or warrant whatsoever regarding the accuracy, currency, reliability, or utility of any third party data, advice, opinion, statement or other information displayed, uploaded or distributed through Life-Insurance-Oracle.com. Any reliance upon any such opinion, advice, statement or information is at your sole risk.
Life-Insurance-Oracle.com may provide hyperlinks, pointers, or references to other Web sites maintained by third parties. Such links to third-party sites are provided for your convenience and information only. Life Insurance Oracle does not control or endorse any linked third party site and is not responsible for the contents of, or any hyperlink contained in, any linked third party site. Life-Insurance-Oracle.com makes no representation whatsoever regarding the accuracy, currency, reliability, or utility of any third party site, and does not warrant that the content of these sites is accurate, legal, inoffensive, or free from viruses or other features.
Unsolicited Materials or Content: Life Insurance Oracle requests that you do NOT send unsolicited materials or ideas for use or publication, and Life Insurance Oracle is not responsible for the similarity of any of its content or programming in any media to materials or ideas transmitted to Life Insurance Oracle.
If you choose to send any unsolicited materials to Life Insurance Oracle you do so with the understanding that all such materials sent to Life Insurance Oracle will be deemed NOT to be confidential and you are waiving any claim against Life Insurance Oracle, its affiliates and subsidiaries regarding their use; and with the understanding that that Life Insurance Oracle does not knowingly accept or acknowledge anonymous messages or materials, however received. By sending Life Insurance Oracle any unsolicited information or material, you grant Life Insurance Oracle an unrestricted, irrevocable license to, without limitation, reproduce, publish, display, perform, modify, transmit and distribute those materials or information, or otherwise use such information for any purposes whatsoever. You also agree that you are fully responsible for its content, including truthfulness and accuracy, and non-infringement of any other entity's proprietary rights, and that no consideration of any sort will be provided to you.
Testimonials: If you submit a testimonial to us about how the Site has worked for you, such testimonial will be deemed not to be confidential or secret, and may be used by us in any manner. By submitting or sending a testimonial to Life Insurance Oracle, you: (i) represent and warrant that the testimonial is original to you, that no other party has any rights thereto, and that any "moral rights" in such testimonial have been waived, and (ii) you grant us a royalty-free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive and fully transferable, assignable and sub-licensable right and license to use, reproduce, publish, distribute, display, translate, summarize, modify and adapt such testimonial (in whole or part) and/or to incorporate it in other works in any form, media, or technology now known or later developed, in our sole discretion, with or without your name.
Advertising & Insurance Rates: Advertising content, including, without reservation, insurance rates, fees, terms, and other information, are updated and posted directly to Life-Insurance-Oracle.com by an applicable third party. Life Insurance Oracle does not review, manage, edit, or otherwise control any such advertising content or insurance rates. Advertisers and third parties are solely responsible for such content, and for any liability whatsoever arising out of or relating to any content, hyperlink, data, information or other material.
Third Party Links: Life Insurance Oracle may provide links to outside sites which may or may not belong to advertisers or other third parties. These sites are not affiliated with Life Insurance Oracle and Life Insurance Oracle does not review, manage, edit, or otherwise control any of these sites, nor any of the content presented thereon, and does not represent that any insurance rates and terms which may be offered are accurate, or that they will be available to any particular person or entity.
DISCLAIMERS: ALL CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE." NEITHER LIFE INSURANCE ORACLE NOR ANY PROVIDER OF THIRD PARTY CONTENT OR THEIR RESPECTIVE AGENTS WARRANTS THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE. NEITHER LIFE INSURANCE ORACLE, NOR ANY OF ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, CONTENT PROVIDERS OR LICENSORS, MAKES ANY REPRESENTATION OR WARRANTY OF ANY KIND REGARDING Life-Insurance-Oracle.com, THE CONTENT, ADVERTISING MATERIAL, INFORMATION, PRODUCTS OR SERVICES AVAILABLE ON OR THROUGH Life-Insurance-Oracle.com, OR THE RESULTS THAT MAY BE OBTAINED FROM ANY USE OF Life-Insurance-Oracle.com. ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES AGAINST INFRINGEMENT, AND WARRANTIES THAT Life-Insurance-Oracle.com WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE, ARE SPECIFICALLY DISCLAIMED. Life-Insurance-Oracle.com AND ITS AFFILIATES ARE NOT RESPONSIBLE OR LIABLE FOR CONTENT POSTED BY THIRD PARTIES, ACTIONS OF ANY THIRD PARTY, OR FOR ANY DAMAGE TO, OR VIRUS THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY.
ALL DATA AND INFORMATION CONTAINED HEREIN ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
IN NO EVENT SHALL Life-Insurance-Oracle.com OR ITS AFFILIATES, EMPLOYEES, AGENTS, CONTENT PROVIDERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF USE OF ANY DATA, MATERIALS, OR ANY OTHER CONTENT WHATSOEVER, HOWEVER CAUSED, ON ANY THEORY OF LIABILITY, AND WHETHER OR NOT LIFE INSURANCE ORACLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY EXCLUSIVE REMEDY.
Amendments: Life Insurance Oracle reserves the right to change these Terms of Service at any time at its discretion and to notify users of any such changes solely by changing this Terms of Service. At any time, and without notice or liability, Life Insurance Oracle may terminate, change, or suspend any aspect of this site, including the availability of any features, and/or may remove, modify, or otherwise change any content, including that of third parties, on or from this site. Life Insurance Oracle may deny access to any entity or user at any time for any reason, or for no reason whatsoever.
Miscellaneous: These Terms and Conditions (and other terms and conditions as incorporated here via links) constitute the entire agreement between you and Life Insurance Oracle governing use of the Site. Should any provision in these terms be found invalid or unenforceable for any reason, then that provision shall be deemed severable from the remaining Terms and Conditions and shall not affect the validity or enforceability of the remaining provisions. Headings contained in this Terms of Service are for convenience and are not to be considered a part of this Agreement.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, and the federal laws of the United States of America, without giving effect to its conflict of laws provisions. You agree to submit to the personal and exclusive jurisdiction of the state or federal courts located within the State of California. For more information please contact us online.
