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about youUsage Agreement and Legal Notices

Thank you for selecting, registering, subscribing, and using intelligent interest. Along with this choice, come certain responsibilities and understandings on your part (user). Please take the time to review them and understand them.

Terms & Conditions - we ask you to read them carefully.

1. What the Agreement Covers.

This is an agreement between you and intelligent interest. All site software or services are known as “services” in this Agreement.

2. When You May Use the Service

You may start using the service as soon as you have completed the sign-up process. No withdrawal right or other "cooling off" period applies to the service and you waive any applicable "cooling off" period, except if the law requires a "cooling off" period despite your waiver and even when a service starts right away.

3. How You May Use the Service

In using the service, you must

4. License Term the Service

No service term limitations, use as you wish.

5. How You May Not Use the Service

In using the service, you may not:

6. You Are Responsible For Your Service Account

Only you may use your service account. You are responsible for all activity that takes place with your service account or an associated account. You may not authorize any third party to access and/or use the service on your behalf except where intelligent interest provides you a mechanism for 3rd parties to access the service on your behalf.

7. Charges

The site service is free at this time.

This applies in all situations in which you pay intelligent interest directly. If you pay a company other than us for the service, then the charges and billing terms are as stated by the other company. Even if you do not pay for the service, you may still incur charges incidental to using the service; for example, charges for Internet access, mobile data, or other electronic data transmission.

8. Payments

The site service is free at this time, there are no payments.

9. Prices and Price Increases

The site service is free at this time, there are no prices.

10. How intelligent interest May Change the Agreement Contract

If we change this Agreement we will communicate with you at least 30 days before the change takes place. If you do not find these changes acceptable, then you are compelled to cancel and stop using the service before the change takes place. If you do not cease and cancel using the service, then your use of the service will continue under the changed agreement.

11. Refund Policies.

Since the site services are free, there are no refunds of any kind.

12. Your input data Content.

Agents/Brokers are able to submit content for use in connection with the service. Underwriting facilities are able to review and view this information presented by Agents/Brokers. That information provided is designed to be minimal but sufficient for interest levels to be determined by each. You acknowledge, understand and agree that intelligent interest does not control or endorse the content that you and others post or provide on the service site. Except for material that we license to you, we do not claim ownership or authorship of the content you input on the service site. The service does not have any public areas available to non registrants can see your data. Your content will exclusively be seen only by those participants of the Property & Casualty marketplace you wish to see it. Some accounts/risks may direct or ask for a Do Not Disclose to be used in regard to their account/risk. This site’s “open access” environment, will not afford you to abide by that request. The site does allow the Agent/Broker the option of suppressing display to the underwriting market the risk name and its web address. In the Property & Casualty market’s tradition and generally accepted confidentiality practice, it is expected that this site is only an electronic replacement for interest determinance and is not to be used as a mechanism for breaking the industry’s long held operating tradition of omnibus confidentiality. You understand that sharing content violates others' copyrights and other intellectual property rights, as well as it violates this Agreement. This will result in permanent service cancellation.

You represent and warrant that you have all the rights necessary for posting an account or risk’s content. “Gaming”, misusing, or general wrongful acts by you will result in your loss of usage of the site. A severe or repeated misuse of the site will invoke a loss of use by your entire location. More severe or multiple misuses will result in loss of service to your entire firm.

13. We make no Warranties

intelligent interest provides the service "as is," "with all faults", and on an "as available" basis. We do not guarantee the accuracy or timeliness of information available from the service. We provide no express warranties, guarantees or conditions. We exclude any implied warranties including those of merchantability, fitness for a particular purpose, workmanlike effort, hacked data, and non-infringement.

14. Your Notices to Us

You may notify us as stated in the customer support section of the site with suggestions or questions so as to help us improve upon the site.

15. Liability Limitation

You can recover from intelligent interest only direct damages up to an amount equal to your annual service fee. You cannot recover any other damages, including consequential, lost profits, special, indirect, incidental or punitive damages. This limitation applies to anything related to the service, including use and misuse of your input or reviewed content – by those you intended or not intended. This additionally includes conduct of others, viruses, or other disabling features, that affect your access to or use of the service, incompatibility between the service and other services, software and hardware, delays or failures you may have in initiating, conducting or completing any transmissions or transactions in connection with the service in an accurate or timely manner, and claims for breach of contract, breach of warranty, guarantee or condition, strict liability, negligence, or other tort

16. Claims and Misacts

Because this is a “Property & Casualty community” only used site, attacks, libel, slander, a suit, etc may result in this “community” site being suspended or interrupted. While the site is not a Co-op per se, it should be treated as for the benefit of the collective registrants and the buying commercial market at large. An attack on the site as an entity will probably be injurious to all.

17. Changes to the Service - If we were to cancel the Service

We may change the service or delete features at any time and for any reason. We may cancel or suspend your service at any time. Our cancellation or suspension may be without cause and/or without notice. Upon service cancellation, your right to use the service ceases immediately. Once the service is cancelled or suspended, any data you have stored on the service may not be retrieved later, and will be deleted upon cancellation. If we cancel the service in its entirety without cause, then we will refund to you on a pro-rata basis the amount of payments that you have made corresponding to the portion of your service remaining right before the cancellation.

18. Assignment

intelligent interest may assign this Agreement, in whole or in part, at any time with or without notice to you. You may not assign this Agreement, or any part of it, to any other person. Any attempt by you to do so voids your subscription. You may not transfer to anyone else, either temporarily or permanently, any rights to use the service or any part of the service. Your changing of employers will require a new subscription by you under that new employer.

19. No Third Party Beneficiaries

This contract is solely for your and our benefit. It is not for the benefit of any other person.

20. Applicable Law, Arbitration and Forum Selection

This Agreement shall be governed by the laws of the State of Georgia notwithstanding the fact that one or more parties to this Agreement may be or become a resident or a citizen of, or be or become domiciled in, a different state. Any and all disputes under or in any way concerning this Agreement (whether based upon contract or tort or otherwise) or the actions or failures to act of one or more of the parties in the negotiation, administration, performance or enforcement hereof, shall be submitted to binding arbitration in Cobb County, Georgia under the rules of the American Arbitration Association (“AAA”) concerning commercial disputes, and the parties agree to be bound by any decision reach under such rules. Venue for any legal action arising from this Agreement, including enforcement of any arbitration award, shall be in Cobb County, Georgia.

21. Severability

In case any one or more of the provisions contained in this Agreement should be invalid, illegal or unenforceable in any respect and for any reason whatsoever, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. In the event any such provision is held to be invalid, illegal or unenforceable, the parties hereto shall make their best efforts to agree on a provision in substitution for such invalid, illegal or unenforceable provision that is as near in economic benefit as possible to the provision found to be invalid, illegal or unenforceable.

22. Entire Agreement

This Agreement constitutes the essential terms of the Agreement and no other offers, agreements, understandings, warranties, or representations exist between intelligent interest and you.