OUR TERMS & CONDITIONS STATEMENT
 

Cheapestinsurance.org and the services of each of its modules, are offered exclusively by Cheapestinsurance.org and/or its various third party providers and distributors.

Its offer of such services are conditioned on the user's ("User") acceptance of the terms and conditions set forth herein, and on other pages of the web site www.Cheapestinsurance.org ("Site").

By accessing and using this Site or any of its services, User shall be deemed to have agreed to all the terms, conditions, and notices in this Site ("Agreement") without modification.

GENERAL

Copyright

This site, and each of its modules, are the copyrighted property of Cheapestinsurance.org and/or its various third party providers and distributors. The content or data found on this site may not be reproduced, republished, distributed, sold, transferred, or modified without the express written permission of Cheapestinsurance.org and/or its third party providers and distributors. In addition, the trademarks, logos and service marks displayed on this site (collectively, the "Trademarks") are registered and common law Trademarks of Cheapestinsurance, its affiliates and various third parties. Nothing contained on this site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any of the Trademarks without the written permission of Cheapestinsurance or such other party that may own the Trademarks.

This site and the content provided on this site may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed without the written permission of Cheapestinsurance, except that you may download, display and print one copy of the materials presented on this site on a single computer for your personal, non-commercial use only. Unauthorized use of this site and/or the materials contained on this site may violate applicable copyright, trademark or other intellectual property laws or other laws. You must retain all copyright and trademark notices, including any other proprietary notices, contained in the materials. The use of such materials on any other web site or in any environment of networked computers is strictly prohibited.

Any software that is made available to download from this site ("Software") is the copyrighted work of Cheapestinsurance and/or its various third party providers and distributors. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software not accompanied by a License Agreement, Cheapestinsurance hereby grants to you, the user, a personal, nonexclusive, nontransferable license to use the Software for viewing and otherwise using this site in accordance with these terms and conditions and for no other purpose and such license may be terminated and revoked by Cheapestinsurance at any time for any reason.

Please note that all Software is owned by Cheapestinsurance and/or its affiliates and/or its suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible allowable under the law.

Without limiting the foregoing, copying or reproduction of the Software to any other server or location for further reproduction or redistribution is expressly prohibited. The software is warranted according to the terms of the License Agreement. You acknowledge that the Software and any accompanying documentation and/or technical information are subject to applicable export control laws and regulations of the Hong Kong. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to Hong Kong export restrictions.

Use of Site

The services of Cheapestinsurance are available only to individuals who can form legally binding contracts under applicable law, and thus, are not available to minors. By using this site, you represent that you are of sufficient legal age to use this site and to create binding legal obligations for any liability you may incur as a result of the use of this site.

Account Profile

Account holders provide Cheapestinsurance with personal information. This information is primarily used to assist Account holders in processing submitted reports for analysis. Furthermore, when you become an Cheapestinsurance account holder you provide your name, address, telephone number, email address, a unique login name, password and password validation. This information is collected on the registration form for several reasons including: (a) personal identification; (b) to process your submitted reports (c) to allow us to contact you for account holder service, if necessary; (d) to customize the content of our site to meet your specific needs; and (e) to make product improvements to Cheapestinsurance.

In addition, your email address is collected to send you an email message confirming your new account registration and each transaction online. As an account holder you may occasionally receive updates from us about fare sales in your area, special offers, new Cheapestinsurance services, and other noteworthy news items. However, you may always decline to receive these email messages.

At any time, you can view and/or update your personal profile, which includes account holder registration by following the appropriate link on Cheapestinsurance's home page.

Privacy and Use of Personal Information

You are in complete control of the information you provide to Cheapestinsurance. Cheapestinsurance and/or its various third party providers and distributors respect and will continue to respect the privacy of Account holders who use this Site.

Please be aware that Cheapestinsurance contains links to other web sites that may collect personally identifiable information about you. When you click on one of these links, you are entering another web site for which Cheapestinsurance has no responsibility. Furthermore, this Privacy Policy does not cover the information practices or policies of such web sites. We encourage you to read the privacy policies of all such sites, as their policies may be materially different from Cheapestinsurance's Privacy Policy.

Cheapestinsurance is to be used by you for your personal use only. Commercial uses of Cheapestinsurance are strictly prohibited unless prior written consent from Cheapestinsurance has been granted. You agree that you will not use Cheapestinsurance for chain letters, junk mail, "spamming", solicitations (commercial or non-commercial) or bulk communications of any kind including but not limited to distribution lists to any person who has not given specific permission to be included in such a list.

Information Disclosure

In addition to the circumstances described above, Cheapestinsurance may disclose account holder information if required to do so by law, court order, as requested by other government or law enforcement authority, or in the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights or properties of Cheapestinsurance when we have reason to believe that disclosing the information is necessary to identify, contact or bring legal action against someone who may be causing interference with our rights or properties, whether intentionally or otherwise, or when anyone else could be harmed by such activities.

Opt Out Policy

At anytime, you can unsubscribe to Cheapestinsurance newsletters. As an account holder you will occasionally receive email updates from us about special offers, new Cheapestinsurance services, and other noteworthy news items. We hope you will find these updates interesting and informative. If you would rather not receive them,  CLICK HERE to contact us. Cheapestinsurance reserves the right to limit Account holder ship to those who will accept emails.

Impersonation

You agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an associate or consultant of Cheapestinsurance. You further agree not to use an inappropriate name of any kind.

Links

Please be aware that Cheapestinsurance contains links to other web sites that are provided solely as a convenience to you and not as an endorsement by Cheapestinsurance nor its third party providers or distributors of the contents of such other web sites. Neither Cheapestinsurance nor any third party provider or distributor shall be responsible for the content of any other web sites and make no representation or warranty regarding any other web sites or the contents or materials on such web sites. If you decide to access other web sites, you do so at your own risk.

In addition, you agree not to create a hypertext link from any web site controlled by you or otherwise to this site without the express written permission of Cheapestinsurance.

Reporting Suspected Criminal Activities

You alone are responsible for the content and the consequences of any of your messages submitted to a on Cheapestinsurance. You acknowledge that all submissions and communications submitted by you or by other users are not endorsed by Cheapestinsurance. The submissions you make to Cheapestinsurance for analysis must be accurate and factual. Cheapestinsurance reserves the right to terminate your registration, to remove any content received from you, and to deny you access to any portion of Cheapestinsurance, without notice to you, if it becomes aware and determines, in its sole discretion, that you are violating any of the following guidelines.

By way of example, but not as a limitation, you agree that when using a Community Area, you shall not do any of the following:

(a) Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others;

(b) Publish, post, distribute, or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information;

(c) Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents;

(d) Delete any author attributions, legal notices, or proprietary designations or labels in any file that is uploaded;

(e) Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer;

(f) Falsify the orCheapestinsurancen or source of software or other material contained in a file that is uploaded;

(g) Advertise or offer to sell any goods or services or conduct or forward surveys, contests, "spam" or chain letters; or

(h) Download any file posted by another user of Cheapestinsurance that you know, or reasonably should know, cannot be legally distributed in such manner.

You further agree not to use Cheapestinsurance to send or post any message or material that is unlawful, harassing, libelous, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, profane, sexually oriented, threatening, racially offensive, inaccurate, inflammatory, pornographic, profane, or otherwise objectionable material of any kind or nature or that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law or regulation, or encourage the use of controlled substances. Cheapestinsurance will cooperate fully with any law enforcement officials and/or agencies in the investigation of any person or persons who violate these Terms of Service.

Non-exclusive Right and License to Use

By submitting content to any "public or private area" of Cheapestinsurance, you grant Cheapestinsurance and its affiliates a royalty-free, perpetual, irrevocable, non-exclusive right (including any moral rights) and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any rights that may exist in such content.

You also warrant that the holder of any rights, including moral rights in such content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You also permit any user to access, display, view, store and reproduce such content for personal use. Subject to the foregoing, the owner of such content placed on Cheapestinsurance retains any and all rights that may exist in such content.

IP Addresses

Cheapestinsurance collects IP addresses to help diagnose problems with our servers and for system administration.

Information Safeguards

You are solely responsible for maintaining the secrecy of your passwords and any account information. Please be very careful, responsible, and alert with this information, especially whenever you're online.

Contests

Cheapestinsurance occasionally sponsors contests to give Account holders the opportunity to win prizes. Information collected by Cheapestinsurance for such contests can include contact information and survey questions. Contact information is used to notify contest winners and survey information is used to develop promotions and product improvements to Cheapestinsurance.

Online Surveys

Cheapestinsurance values opinions and comments from Account holders, so we occasionally conduct online surveys. These surveys are entirely optional for all Account holders. Typically, the information is aggregated and used to make improvements to Cheapestinsurance and to develop appealing content, features and promotions for Account holders. Survey participants are anonymous unless otherwise stated in the survey.

Cookies

Cookies are pieces of information that a site transfers to your computer's hard disk for record keeping purposes. Cookies can make the Web more useful by storing information about your preferences on a particular site. The use of cookies is an industry standard, and Cheapestinsurance uses them to provide useful features for its Account holders. Cookies in and of themselves do not personally identify users, although they do identify a user's computer. Most browsers are initially set to accept cookies. If you prefer to set yours to refuse cookies, you may not be able to take full advantage of the Cheapestinsurance website.

Advertising Disclosure

Product descriptions posted on our product pages are the representations of our suppliers. Cheapestinsurance is not responsible for typographical, pricing, product information, advertising or shipping errors. Advertised prices and available quantities are subject to change without notice.

System Availability

Cheapestinsurance makes every effort to maintain 100% system availability, except during scheduled maintenance periods. Should we experience technical difficulties, Cheapestinsurance is not responsible for information not processed or accepted and is not responsible for any damages that may arise as a result during such technical difficulties.

INCLUSIVE

Denial of Access

In its sole discretion, in addition to any other rights or remedies available to Cheapestinsurance, and without any liability whatsoever to User, Cheapestinsurance, at any time and without notice, may terminate or restrict user's access to Cheapestinsurance's and the services of each of its modules.

Headings

The headings used in these Terms and Conditions of Use are included by convenience only and will not limit or otherwise effect these Terms and Conditions of Use.

Assignment

You may not assign, convey, subcontract or delegate your rights, duties or obligations hereunder.

Additional Terms

Additional terms and conditions may apply to purchases of goods and services and other uses of portions of this site, and you agree to abide by such other terms and conditions.

Severability

These terms and conditions shall be deemed severable. In the event that any provision is determined to be unenforceable or invalid, such provision shall nonetheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability of any other remaining provisions.

Modification

Cheapestinsurance may at any time modify these terms and conditions and your continued use of this site will be conditioned upon the terms and conditions in force at the time of your use. Accordingly, you agree to review these terms and conditions periodically, and your continued access, use and/or posting on this site shall be deemed your acceptance of the changed terms, conditions and notices.

Exclusion of Warranty

Cheapestinsurance AND ANY THIRD PARTY PROVIDERS AND DISTRIBUTORS MAKE NO WARRANTY OF ANY KIND REGARDING THIS SITE AND/OR ANY MATERIALS PROVIDED ON THIS SITE, ALL OF WHICH ARE PROVIDED ON AN "AS IS" BASIS. Cheapestinsurance AND ANY THIRD PARTY PROVIDERS AND DISTRIBUTORS DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENCY OR RELIABILITY OF ANY OF THE CONTENT OR DATA FOUND ON THIS SITE AND SUCH PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE.

Cheapestinsurance EXPRESSLY DISCLAIMS ANY AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY AND/OR FITNESS FOR ANY PARTICULAR PURPOSE, ANY WARRANTIES OF PERFORMANCE, AND ANY WARRANTY THAT MIGHT OTHERWISE ARISE FROM THE COURSE OF DEALING BETWEEN THE PARTIES OR FROM ANY USAGE OF TRADE. Some countries and states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary.

Limitation of Liability

Cheapestinsurance ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THIS SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO OR AUDIO FROM THE SITE. IN NO EVENT SHALL Cheapestinsurance OR ANY THIRD PARTY PROVIDERS AND DISTRIBUTORS BE LIABLE FOR ANY INJURY, LOSS, CLAIM, DAMAGE, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO LOST PROFITS OR LOST SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, WHICH ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH (A) ANY USE OF THIS SITE OR CONTENT FOUND HEREIN, (B) ANY FAILURE OR DELAY (INCLUDING, BUT NOT LIMITED TO THE USE OF OR INABILITY TO USE ANY COMPONENT OF THIS SITE) OR (C) THE PERFORMANCE OR NON PERFORMANCE BY Cheapestinsurance OR ANY THIRD PARTY PROVIDERS AND DISTRIBUTORS, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY. This limitation of liability shall apply regardless of whether the claim asserted is based on contract, negligence, or any other theory of recovery.

Indemnification

You agree to indemnify and hold Cheapestinsurance and its subsidiaries, affiliates, officers, directors, agents and employees harmless from any claim or demand, including reasonable attorney's fees, made by any third party due to or arising out of your breach of this agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party. Cheapestinsurance's failure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches.

Governing Law

This Agreement and its performance shall be governed by and construed in accordance with the laws of the Hong Kong, without regard to its conflict of law provisions, in all disputes arising out of or relating to the use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including, without limitation this paragraph.

Entire Agreement

These terms and conditions, together with those incorporated herein or referred to herein constitute the entire agreement between us relating to the subject matter hereof, and supersedes any prior understandings or agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing or by making such amendments or modifications available on this site.