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Terms of Use

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEB SITE.

1. Acceptance of Terms of Use and Amendments

The following terms and conditions (the "Terms of Use”) explain and govern all access to and use of the National Association of Insurance Women (International) dba International Association of Insurance Professionals (IAIP) Web Site (the "Site”). In addition, when using particular services or materials on this Site, users shall be subject to any posted guidelines or rules applicable to such services or materials that may contain terms and conditions in addition to those in these Terms of Use. All such guidelines or rules are hereby incorporated by reference into these Terms of Use.

BY COMPLETING THE REGISTRATION PROCESS AND/OR USING THIS SITE, YOU AGREE TO BE BOUND BY THE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE EXIT THE SITE NOW. YOUR REMEDY FOR DISSATISFACTION WITH THIS SITE, OR ANY PRODUCTS, SERVICES, MATERIALS, CONTENT OR OTHER INFORMATION AVAILABLE ON OR THROUGH THIS SITE, IS TO STOP USING THE SITE AND/OR THOSE PARTICULAR PRODUCTS, SERVICES, MATERIALS, CONTENT OR OTHER INFORMATION. YOUR AGREEMENT WITH US REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF USE OF THIS SITE.

We also reserve the right to change these Terms of Use from time to time without notice to you. You acknowledge and agree that it is your responsibility to review this Site and these Terms of Use periodically and to be aware of any modifications. Your continued use of this Site after such modifications will constitute your acknowledgement of the modified Terms of Use and agreement to abide and be bound by the modified Terms of Use.

2. Description of Services and Materials

All materials and services on this Site are provided "AS IS” without warranties of any kind. IAIP exclusively reserves the right and may, at any time and without notice and any liability to you, modify or discontinue this Site and its materials and services or delete the data you provide, whether temporarily or permanently. IAIP shall have no responsibility or liability for timeliness, deletion, failure to store, inaccuracy or improper deliver of any data or information.

You understand and agree that temporary interruptions of the services available through this Site may occur as normal events. You further understand and agree that we have no control over third party networks you may access in the course of the use of this site, and therefore, delays and disruption of other network transmissions are completely beyond our control.

3. Registration Data and Privacy

In order to access the members-only area of this Site, an account name and password is needed. To obtain an account name and password, you must complete the online registration form, which requests certain information and data ("Registration Data”). By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete and accurate.

You are responsible to maintain the confidentiality of your password and shall be responsible for all uses via your registration and/or login, whether authorized or unauthorized.

The information we obtain through your use of this Site, including but not limited to, your Registration Data, is subject to our Privacy Policy, which is specifically incorporated by reference into these Terms of Use.

4. Conduct on Site

Your use of the Site is subject to all applicable laws and regulations, and you are solely responsible for the contents of your communications through the Site. By posting information in or otherwise using any communications service or other interactive service that may be available to you on or through this Site, you agree that you will not upload, share, post or otherwise distribute or facilitate distribution of any content, including but not limited to text, communications, software, images, sounds, data or other information, that:

(a) Is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts, or otherwise violates our rules or policies;

(b) Victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age or disability;

(c) Infringes on any patent, trademark, trade secret, copyright, right of publicity or other proprietary right of any party;

(d) Constitutes unauthorized or unsolicited advertising, junk or bulk e-mail, chain letters, pyramid schemes, or any other form of unauthorized advertising without our prior written consent; or

(e) Contains software viruses or any other computer code, files or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party.

We neither endorse nor assume any liability for the contents of any material uploaded or submitted by users of this Site. Our agents have the right at their sole discretion to remove any content that, in our judgment, does not comply with these Terms of Use. You hereby consent to such removal and waive any claim against us arising out of such removal of content. You also agree that we may at any time, and at our sole discretion, terminate your membership without prior notice to you for violating any provisions in these Terms of Use.

5. Third Party Sites and Information

Goods and services of third parties may be advertised and/or made available on or through this Site. Representations made regarding products and services provided by third parties are governed by the policies and representations made by these third parties. IAIP shall not be liable for or responsible in any manner for any of your dealings or interaction with third parties.

6. Intellectual Property Information

The trademarks, service marks, logos, icons and graphics (collectively the "Marks”) appearing on this Site are registered and unregistered Marks of the National Association of Insurance Women (International). Nothing in these Terms of Use grants you any right to use any of the Marks.

The contents of all materials on this Site are subject to copyrights owned by National Association of Insurance Women (International) and other copyright owners. Any reproduction, retransmission or republication of all or part of any graphic images, material or documents found on this Site is expressly prohibited, unless National Association of Insurance Women (International) or the copyright owner of the material has expressly granted its prior written consent to reproduce, retransmit or republish the material. All other rights are reserved.

7. Disclaimer of Warranties

You understand and agree that your use of this Site and any services or content provided (the "Service”) is made available and provided to you at your own risk. IAIP makes no representations and disclaims all warranties, express or implied, including but not limited to: warranties of title, non-infringement, merchantability and fitness for a particular purpose.

WE MAKE NO WARRANTY, IMPLIED OR EXPRESS, THAT ANY PART OF THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE, TIMELY, SECURE, ACCURATE, RELIABLE, OF ANY QUALITY, NOR THAT ANY CONTENT IS SAFE IN ANY MANNER FOR DOWNLOAD. YOU UNDERSTAND AND AGREE THAT NEITHER US NOR ANY PARTICIPANT IN THE SERVICE PROVIDES PROFESSIONAL ADVICE OF ANY KIND AND THAT USE OF SUCH ADVICE OR ANY OTHER INFORMATION IS SOLELY AT YOUR OWN RISK AND WITHOUT OUR LIABILITY OF ANY KIND. WE MAKE NO REPRESENTATIONS OR WARRANTIES, OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO THE QUALITY, IDENTITY OR RELIABILITY OF ANY REGISTERED USER OR THIRD PARTY, OR AS TO THE ACCURACY OF THE POSTINGS MADE ON THE WEB SITE BY ANY REGISTERED USER.

Some states or jurisdictions may not allow disclaimers of implied warranties and the above disclaimer may not apply to you only as it relates to implied warranties.

8. Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSS (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM OR ARISING OUT OF (I) THE USE OF OR THE INABILITY TO USE THE SERVICE, (II) THE COST TO OBTAIN SUBSTITUTE GOODS AND/OR SERVICES RESULTING FROM ANY TRANSACTION ENTERED INTO ON THROUGH THE SERVICE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA TRANSMISSIONS, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE SERVICE.

Some states or jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.

9. Indemnification

You agree to indemnify and hold us harmless, our subsidiaries, affiliates, related parties, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from any claim or demand, including reasonable attorney's fees, that may be made by any third party, that is due to or arising out of your conduct or connection with this Site or service, your violation of this Terms of Use or any other violation of the rights of another person or party.

10. International Use

Although this site may be accessible worldwide, we make no representation that materials on this Site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local law. Any offer for any product, service, and/or information made in connection with this Site is void where prohibited.

11. Termination of Use

You agree that we may, in our sole discretion, terminate or suspend your access to all or part of the Site with or without notice and for any reason, including, without limitation, breach of these Terms of Use or deactivation of your IAIP membership. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities.

Upon termination or suspension, regardless of the reasons therefore, your right to use the services available on this Site immediately ceases, and you acknowledge and agree that we may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or this Site. We shall not be liable to you or any other third party for any claims or damages arising out of any termination or suspension or any other actions taken by us in connection therewith.

12. Governing Law

You agree that this Terms of Use and any dispute arising out of your use of this Site or our products or services shall be governed by and construed in accordance with local laws where the headquarters of the owner of this Site is located, without regard to its conflict of law provisions. By registering or using this Site and service you consent and submit to the exclusive jurisdiction and venue of the county or city where the headquarters of the owner of this Site is located.

13. Entire Agreement

These terms and conditions constitute the entire agreement and understanding between us concerning the subject matter hereof and supersedes all prior agreements and understandings of the parties with respect thereto.

14. Miscellaneous

(a) In any action to enforce these Terms of Use, the prevailing party will be entitled to costs and attorneys’ fees. Any cause of action brought by you against us must be instituted within one year after the cause of action arises or be deemed forever waived and barred;

(b) You may not assign your rights and obligations under these Terms of Use to any party, and any attempt to do so shall be null and void. We may freely assign our rights and obligations under these Terms of Use;

(c) You agree not to sell, resell, reproduce, duplicate, copy or use for any commercial purposes any portion of this site, or use of or access to this Site;

(d) In addition to any excuse provided by applicable law, we shall be excused from liability for non-delivery or delay in delivery of products and services available through our Site arising from any event beyond our reasonable control, whether or not foreseeable by us, including but not limited to: labor disturbance, war, fire, accident, adverse weather, inability to secure transportation, governmental act or regulation, and other causes or events beyond our reasonable control, whether or not similar to those which are enumerated above;

(e) If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect; and

(f) Any failure by us to enforce or exercise any provision of these Terms of Use or related rights shall not constitute a waiver of that right or provision and that right will remain in full force and effect.

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