CiberQuotes

Disclaimer & Terms of Use

Disclaimer & Terms of Use 

NO LEGAL, TAX, FINANCIAL OR OTHER PROFESSIONAL SERVICE OR ADVICE IS MADE BY THIS SITE

The information being discussed throughout this website is basic and general in nature and is intended for educational purposes only. No specific products or companies are being solicited or offered. Please understand the rules and regulations governing insurance, tax, legal and financial issues are complex and are subject to state and federal variations and they have different interpretations. Therefore, should legal, investment, tax or financial advice be required, it is recommended that you do seek the advice of a licensed professional in your area. No specific investment, legal, tax or insurance advice is ever intended. Financial products do vary therefore look only to the specific details of the covered structure or product for benefits and features. Any discussions regarding guarantees, interest rates and rates of returns are purely hypothetical and not intended to represent assurances or guarantees.

 

You Acknowledge and Agree that we are not a service provider, product provider or broker. We are not a financial institution, insurance provider or other service provider, product provider or broker. Instead, we, through our services, may help to connect you with service or product providers or broker that might meet your needs based on information provided by you.  We do not, and will not, make any coverage or financial decision with any service provider, product provider or broker referred to you.  We do not issue any financial products or services including but not limited to, insurance or investments.

You do not pay fees to us. We are not involved with and are not responsible for any fee arrangement that you may enter into with any service provider. You acknowledge and agree to this compensation arrangement.  You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a service provider’s, product provider’s or broker’s products or services, including any fees charged by a service provider, product provider or broker.

No guarantee of quotes, fees, terms, rates, coverage or services.

We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by service providers, product providers or brokers.  We do not guarantee that quotes, fees, terms, rates, coverage or services offered by service providers, product providers or brokers are the best available.

We are a general education and informational service. We do not sell insurance or financial products and this web site is not affiliated with nor does it represent any companies or individuals. In accordance with this, we do not endorse or recommend any specific product, company or action. Nothing on this web site should be construed as an offer to buy or sell any financial, investment, insurance products or other professional services. All information provided is for general informational purposes only. The information provided represents our best efforts to present relevant, timely, accurate information. However, we do not guarantee its accuracy nor timeliness, and we will not be held liable for any information contained herein nor any information arising off this website. No information contained on this site should be interpreted as legal, tax, investment, financial planning, insurance or any other professional advice. Always consult a qualified, licensed professional. Information is provided as is without warranties of any kind. We will not be liable to any user or anyone else for any inaccuracy, error or omission, regardless of cause, in the information or for any damages resulting therefrom. In no event shall we be liable for any consequential damages suffered as the result of user’s access to or use of the information herein nor other third party sources of information including any persons, agents or financial, legal, tax or other professional. Any interchange occurring between third-party individuals on or off this website is entirely the responsibility of those individual parties. We do not endorse third parties, nor are we responsible for anything occurring between any individuals whatsoever whether on or off this website.

 

 

 

PRIVACY POLICY

 

We collect browser information and other non-user specific information to support the operation of our web site and provide us with broad demographic data.

 

We use information collected from this web site for internal use only, but may from time to time share some information with parties deemed necessary to completing or fulfilling request for information.

 

Contact Inquiry Request Form
The Contact Inquiry Request Forms throughout this website requires users to submit contact information, as well as some basic personal data. In order to create a request, the information you send us is delivered to a service provider, product provider or broker.

 

 

Terms of Use

 

GENERAL

This website is offered to you conditioned on acceptance of terms, conditions and notices herein, without modification. The terms “we,” “us,” or “our” mean Ciberquotes.com. By accessing or using our Services, you agree to be bound by the terms and conditions of these Terms of Use (this “Agreement”) and our Privacy Policy.

User access and use of this site constitute acceptance of these terms and conditions.   

This Agreement contains an agreement to arbitrate all claims and disclaimers of warranties and liability.

WE SET OUT THE FOLLOWING TERMS AND CONDITIONS, A LEGAL AGREEMENT BETWEEN YOU AND THE SITE, FOR USING THIS SITE. TO ANYONE USING THIS SITE, BY USING THIS SITE, YOU GIVE INDICATION OF YOUR ACCEPTANCE OF AND AGREE TO ABIDE BY THE TERMS AND CONDITIONS SET HEREIN. THE TERMS OF THIS SITE MAY BE CHANGED FROM TIME TO TIME WITHOUT NOTICE. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS SITE, PLEASE DO NOT USE THIS SITE. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THE THIS SITE, DO NOT USE THIS SITE.  

The website is provided as a service. We reserves the right to offer this website directly to you or through its authorized agents and contractors . User agrees to use this site as permitted by applicable local, state, and federal laws. User agrees not to alter, damage or destroy any of our or another users, computer system, network, software, program, documentation or data contained therein. User also agrees not to use this site to conduct or attempt to conduct any business or activity or solicit the performance of any activity that is prohibited by law. Furthermore, user agrees not to take any action which results in blocking access to this site. Such use, by User will be deemed an unauthorized use.

Anyone using this site expressly consents to administrative monitoring at all times by us and its authorized agents and contractors. If you do not wish to consent to monitoring, please exit this site now. 

Disclaimer of Liability and Reliability

This site has been made with careful consideration to the accuracy, up to date content and logically expressed information. Even so, please note that inadvertent errors in content and information may occur. Especially but without limiting anything here, this site and its authorized agents and contractors disclaim any responsibility for printed characters and/or text preparation and the precision of the information that may be contained on the web pages of this site. The information, data and statistics found on this website are complied from numerous sources, and are subject to change without notice to the User. We and our authorized agents and contractors make no warranties or representations whatsoever regarding the quality, content, completeness, suitability, adequacy, sequence, accuracy, or timeliness of such information and data.

 

 

 

THIS SITE, INFORMATION, AND DATA MADE AVAILABLE AT THIS SITE ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. WE AND OUR AUTHORIZED AGENTS AND CONTRACTORS MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE CONDITION OR FUNCTIONALITY OF THIS WEBSITE, ITS SUITABILITY FOR USE, OR THAT THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE.

Links to Third Parties’ Web Sites

We link and point to other third party internet websites and other third party sources of information. These sites and sources of information linked from the our website are not under the our control. We and our authorized agents and contractors do not assume any responsibility or liability for any information, communications or materials available at such linked sites, or at any link contained in a linked site. We and our authorized agents and contractors do not intend these third party links and sources of information to be endorsements of the linked or pointed entities or persons by us, and are provided for convenience only. Each individual site has its own set of policies and terms of use. User assumes sole responsibility for use of third party links, pointers and sources of information, including any persons, agents or financial, legal, tax or other professional.

Automatically Logged Information: All servers log IP addresses are gathered to diagnose problems and administer the site.

Disclaimer of Damages

By using our web pages, the User assumes all risks associated with the use of this site, including any risk to User’s computer, software or data being damaged by any virus, software, or any other file which might be transmitted or activated via our web page, this site or User’s access to it. WE AND OUR AUTHORIZED AGENTS AND CONTRACTORS SHALL NOT IN ANY EVENT BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, OR LOST PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR MISUSE OF THE INFORMATION OR LACK OF INFORMATION ON THE OUR WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FROM ANY INFORMATION, DOCUMENTS, SERVICES, SOFTWARE, OR OTHER MATERIAL OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF WE AND/OR ANY OF OUR AUTHORIZED AGENTS, CONTRACTORS, EMPLOYEES OR AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. We and our authorized agents and contractors shall not be liable for any loss or injury caused in whole, or in part, by their actions, omissions, or contingencies beyond their control, including in procuring, compiling, or delivering the information, or arising out of any errors, omissions, or inaccuracies in the information regardless of how caused, or arising out of any user’s decision, or action taken or not taken in reliance upon information furnished.

Disclaimer of Association With User

User acknowledges that no joint venture, partnership, employment, client or agency relationship exists between the User and us or our authorized agents or contractors as a result of this Agreement or use of this web site. User agrees not to hold himself or herself out as a representative, client, agent, or employee of us and our authorized agents and contractors shall not be liable for any representation, act or omission of the User.

FORUMS – Use of Bulletin Board, or any Other Communication or Interactive Forums

To the extent we and our authorized agents and contractors contains or participate or may in the future contain or participate in bulletin boards, discussion webs, chat rooms, forums or other message, interactive or communication facilities involving us and our authorized agents and contractors and other users (“Forums”), the User agrees to use such forums only to send and receive messages and material that are proper and related to the particular forum. By way of example, and not as a limitation, the User agrees that when using a Forum, the User shall not violate the law by:

Defaming, abusing, harassing, stalking, threatening or otherwise violating the legal rights (such as rights of privacy and publicity) of others.

Publishing, posting, distributing, or disseminating any defamatory, infringing, obscene, indecent or unlawful material or information.

Uploading or downloading files that contain software or other material protected by intellectual property laws (or by rights of privacy or publicity) unless the User owns or controls the rights thereto or has received all necessary consents.

Deleting any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.

Falsifying the origin or source of any material contained in a file that is uploaded.

Knowingly introducing viruses, corrupted files or any other similar software or programs that may damage, alter or destroy this website or the operation of another’s computer system, network, software, program, documentation or data contained therein.

Knowingly accessing or attempting to access or use our service, our contractors or authorized agents computer system, computer network, or any part thereof, including this website, for the purpose of devising or executing any scheme or artifice to defraud; obtaining money, property or services by means of false or fraudulent pretenses, representations or promises; or committing theft, including but not limited to theft of proprietary information.

User agrees to use this site in accordance with the terms and conditions, disclaimers of this site where as available to send and receive electronic mail, engage in conferences and chats, download and upload files and information. Our site may be used only as permitted by these terms and conditions, any additional policies, notices, rules or procedures published in this web site from time to time and by applicable law.

 

We and our authorized agents and contractors reserve the right to remove any contents of this website received from users for violations of our forum use policies and other applicable regulations and law, including violations of others’ constitutional rights. We reserve the right to edit any notices or postings for length if and when such length interferes with other users’ access to and use of this forum.

The User acknowledges that chats, posting conferences, discussion webs and other communications by other Users are not endorsed by us or our agents or contractors, and such communications shall not be considered reviewed, screened, or approved by us.

Indemnity

As a condition of use of our, the User agrees to indemnify us, our Commissioners, officers, employees and agents and contractors against any and all liability, expenses (including attorney’s fees) and damages arising out of claims resulting from User’s use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions.

Limitations on Our Liability

WE SHALL IN NO EVENT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF: (I) YOUR BREACH OR VIOLATION OF THE TERMS AND CONDITIONS OF THIS AGREEMENT; (II) YOUR ACCESS AND USE OF OUR SERVICES; (III) YOUR DELAY IN ACCESSING OR INABILITY TO ACCESS OR USE OUR SERVICES FOR ANY REASON; (IV) YOUR DOWNLOADING OF ANY OF THE CONTENT OR THE COLLECTIVE WORK FOR YOUR USE; (V) YOUR RELIANCE UPON OR USE OF THE CONTENT OR THE COLLECTIVE WORK, OR (VI) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH OUR SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF OUR SERVICES, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF WE AND/OR OUR SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. OUR LIABILITY AND THE LIABILITY OF OUR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, INDEPENDENT CONTRACTORS, SHAREHOLDERS, REPRESENTATIVES, AND AGENTS ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED $100.

YOU AND US AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO OUR SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

 

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.

 

In the event that any limitation on the period of time for bringing an action, claim, dispute or proceeding against us, located in this “Limitations on Our Liability” section, is determined or held to be inapplicable or unenforceable by any court, arbitration panel or other tribunal, then the statute of limitations for the State of Florida, including but not limited to Florida Statutes Section 95, shall apply to any such action, claim, dispute or proceeding referred to final or binding arbitration

Jurisdiction

This Agreement is governed by the laws of the State of Florida, USA.

Use of this web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. We make no representations that our Services are appropriate or available for use in other jurisdictions.  If you access or use our Services from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law.

Our performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is exempt of our right to comply with law enforcement requests or requirements relating to the User’s use of this web site or information provided to or gathered by us with respect to such use.

Agreement to Arbitrate

You and we agree all controversies between us concerning any part of this agreement or any agreement between us, whether entered into prior, on or subsequent to this date, shall be determined by arbitration as permitted by law. Such arbitration shall be conducted in accordance with the Commercial Arbitration Rules of the American Arbitration Association then applying.  The award of the arbitrators or their majority shall be final and binding and not subject to review or appeal.

Severability

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitation set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

Closing of Agreement

This Agreement constitutes the entire agreement between the User and us (and our contractors and agents) with respect to this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and us with respect to this web site. This Agreement shall be deemed to include all other notices, policies, rules, procedures, disclaimers and other terms contained in this web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall control. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved.

ciberquotes.com 2014©

 

Leave a Reply

COMMON NEEDS FOR LIFE INSURANCE

  • Make sure cash is available
  • Provide income
  • Pay debts
  • Create a large cash fund
  • Pay taxes
  • Run a business
  • Replace valuable employees
  • Hire and retain employees
  • Gifts to children or grandchildren
  • Gifts to charity
  • Gifts to persons of great importance in your life
  • Preserve the confidentiality of financial assurances to significant others