Terms of Use
(Please Read Carefully Before Using This Website)
AAmerican Financial Group, Inc., maintains this site for
information and communication purposes. This webpage
contains the Terms of Use governing your access to and use
of the www.insurancelowcost.net (the "Website" or "Site").
If you do not accept these Terms of Use or you do not meet
or comply with their provisions, you may not use the
Website.
A. TERMS APPLICABLE TO ALL USERS
1. Overview
YOUR USE OF THIS WEBSITE IS EXPRESSLY CONDITIONED UPON YOUR
ACCEPTING AND AGREEING TO THESE TERMS OF USE.
For users who are not registered with this Website, your use
of the Website will be deemed to be acceptance of the Terms
of Use, Section A.
For users who are registered with the Website, your use of
the Website shall be subject to (I) certain designated terms
(see Section B below) in addition to those terms applicable
to all users and (ii) shall be further conditioned on your
[clicking the "I AGREE TO THE TERMS OF USE" button at the
end of these Terms of Use].
IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU,
YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEBSITE.
2. Changes To Terms
AAmerican Financial Group, Inc. may, at any time, for any
reason and without notice, make changes to (I) this Website,
including its look, feel, format, and content, as well as
(II) the products and/or services as described in this
Website. Any modifications will take effect when posted to
the Website. Therefore, each time you access the Website,
you need to review the Terms of Use upon which access and
use of this Website is conditioned. By your continuing use
of the Website after changes are posted, you will be deemed
to have accepted such changes.
3. Jurisdiction
The Website is directed to those individuals and entities
located in the United States. It is not directed to any
person or entity in any jurisdiction where (by reason of
nationality, residence, citizenship or otherwise) the
publication or availability of the Website and its content,
including its products and services, are unavailable or
otherwise contrary to local laws or regulations. If this
applies to you, you are not authorized to access or use any
of the information on this Website. AAmerican Financial
Group, Inc. makes no representation that the information,
opinions, advice or other content on the Website
(collectively, "Content") is appropriate or that its
products and services are available outside of the United
States. Those who choose to access this Website from other
locations do so at their own risk and are responsible for
compliance with applicable local laws.
4. Scope of Use and User E-Mail
You are only authorized to view, use, copy for your records
and download small portions of the Content (including
without limitation text, graphics, software, audio and video
files and photos) of this Website for your informational,
non-commercial use, provided that you leave all the
copyright notices, including copyright management
information, or other proprietary notices intact.
You may not store, modify, reproduce, transmit, reverse
engineer or distribute a significant portion of the Content
on this Website, or the design or layout of the Website or
individual sections of it, in any form or media. The
systematic retrieval of data from the Website is also
prohibited.
E-mail submissions over the Internet may not be secure and
are subject to the risk of interception by third parties.
Please consider this fact before e-mailing any information.
Also, please consult our Privacy Policy. You agree not to
submit or transmit any e-mails or materials through the
Website that: (I) are defamatory, threatening, obscene or
harassing, (II) contain a virus, worm, Trojan horse or any
other harmful component, (III) incorporate copyrighted or
other proprietary material of any third party without that
party's permission or (IV) otherwise violate any applicable
laws. AAmerican Financial Group, Inc. shall not be subject
to any obligations of confidentiality regarding any
information or materials that you submit online except as
specified in these Terms of Use, or as set forth in any
additional terms and conditions relating to specific
products or services, or as otherwise specifically agreed or
required by law.
The commercial use, reproduction, transmission or
distribution of any information, software or other material
available through the Website without the prior written
consent of AAmerican Financial Group, Inc. is strictly
prohibited.
5. Copyrights and Trademarks
The materials at this Site, as well as the organization and
layout of this site, are copyrighted and are protected by
United States and international copyright laws and treaty
provisions. You may access, download and print materials on
this Website solely for your personal and non-commercial
use; however, any print out of this Site, or portions of the
Site, must include AAmerican Financial Group, Inc.'s
copyright notice. No right, title or interest in any of the
materials contained on this Site is transferred to you as a
result of accessing, downloading or printing such materials.
You may not copy, modify, distribute, transmit, display,
reproduce, publish, license any part of this Site; create
derivative works from, link to or frame in another website,
use on any other website, transfer or sell any information
obtained from this Site without the prior written permission
of AAmerican Financial Group, Inc.
Except as expressly provided under the "Scope of Use"
Section above, you may not use, reproduce, modify, transmit,
distribute, or publicly display or operate this Website
without the prior written permission of AAmerican Financial
Group, Inc.. You may not use a part of this Website on any
other Website, without AAmerican Financial Group, Inc.'s
prior written consent.
AAmerican Financial Group, Inc. respects the intellectual
property rights of others and expects our Users/ users to do
the same. The policy of AAmerican Financial Group, Inc. is
to terminate the accounts of repeat copyright offenders and
other users who infringe upon the intellectual property
rights of others. If you believe that your work has been
copied in a way that constitutes copyright infringement,
please Contact Us:
6. Links
For your convenience, we may provide links to various other
Websites that may be of interest to you and for your
convenience only. However, AAmerican Financial Group, Inc.
does not control or endorse such Websites and is not
responsible for their content nor is it responsible for the
accuracy or reliability of any information, data, opinions,
advice, or statements contained within such Websites. Please
read the terms and conditions or terms of use policies of
any other company or website you may link to from our
website. These Terms of Use policy applies only to AAmerican
Financial Group, Inc.'s website and the products and
services AAmerican Financial Group, Inc. offers. If you
decide to access any of the third party sites linked to this
Website, you do so at your own risk. AAmerican Financial
Group, Inc. reserves the right to terminate any link or
linking program at any time. AAmerican Financial Group, Inc.
disclaims all warranties, express and implied, as to the
accuracy, validity, and legality or otherwise of any
materials or information contained on such sites.
You may not link to this Website without AAmerican Financial
Group, Inc.'s written permission. If you are interested in
linking to this Website, please Contact Us:
7. No Unlawful Or Prohibited Use
As a condition of your use of the Website, you warrant to
AAmerican Financial Group, Inc. that you will not use the
Website for any purpose that is unlawful or prohibited by
these terms, conditions, and notices. You may not use the
Website in any manner that could damage, disable,
overburden, or impair the Site or interfere with any other
party's use and enjoyment of the Website. You may not obtain
or attempt to obtain any materials or information through
any means not intentionally made available or provided for
through the Site.
8. Spamming
Gathering email addresses from AAmerican Financial Group,
Inc. through harvesting or automated means is prohibited.
Posting or transmitting unauthorized or unsolicited
advertising, promotional materials, or any other forms of
solicitation to other Users is prohibited. Inquiries
regarding a commercial relationship with AAmerican Financial
Group, Inc. should be directed to: http://www.insurancelowcost.net/contact.html
9. No Warranties
THE WEBSITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS
IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND
WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT
LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS
INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH
AAmerican Financial Group, Inc. EXPRESSLY DISCLAIMS.
AAmerican Financial Group, Inc. DOES NOT ENDORSE AND MAKES
NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR
RELIABILITY OF THE CONTENT, AND AAmerican Financial Group,
Inc. WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY
FAILURE OR DELAY IN UPDATING THE WEBSITE OR ANY CONTENT. WE
HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEBSITE. AAmerican
Financial Group, Inc. MAKES NO REPRESENTATIONS OR WARRANTIES
THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE.
YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF
ACCESSING THE WEBSITE AND USING THE CONTENT, AND FOR TAKING
ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY
ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR
ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY
BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND
SERVICES OFFERED BY AAmerican Financial Group, Inc. SOME
STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO
THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO
HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO
JURISDICTION.
10. Governing Law, Location and Miscellaneous
These Terms of Use shall be governed in all respects by the
laws of the State of Florida USA, without reference to its
choice of law rules. If an applicable law is in conflict
with any part of the Terms of Use, the Terms of Use will be
deemed modified to conform to the law. The other provisions
will not be affected by any such modification.
11. Separate Agreements
You may have other agreements with AAmerican Financial
Group, Inc. Those agreements are separate and in addition to
these Terms of Use. These Terms of Use do not modify, revise
or amend the terms of any other agreements you may have with
AAmerican Financial Group, Inc.
12. DMCA Copyright Policy and Copyright Agent
AAmerican Financial Group, Inc. respects the intellectual
property rights of others. If you believe something on this
Site has infringed your intellectual property rights, please
notify our agent and provide the following information:
(I) A physical or electronic signature of a person
authorized to act on behalf of the owner of an exclusive
right that is allegedly infringed.
(II) Identification of the copyrighted work claimed
to have been infringed.
(III) Identification of the material that is claimed
to be infringing or to be the subject of infringing activity
and that is to be removed or access to which is to be
disabled.
(IV) Address, telephone number, and, if available, an
electronic mail address where we may contact you.
(V) A statement that the complaining party has a good
faith belief that use of the material in the manner
complained of is not authorized by the copyright owner, its
agent, or the law.
(VI) A statement that the information in the
notification is accurate, and under penalty of perjury, that
you are authorized to act on behalf of the owner of an
exclusive right that is allegedly infringed.
The Site's Copyright Agent can be reached at:
Contact Us or (http://www.insurancelowcost.net/contact.html).
13. U.S. Resident
You represent that you are a United States resident.
14. No Professional Advice
The information available on the Website is intended to be a
general information resource regarding the matters covered,
and is not tailored to your specific circumstance. You
should not construe this as legal, accounting or other
professional advice. This Website is not intended for use by
minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND
ADVICE AVAILABLE ON THIS WEBSITE IN CONSULTATION WITH YOUR
INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR
OTHER ADVISOR, AS APPROPRIATE.
15. Users Disputes
You are solely responsible for your interactions with other
Users. AAmerican Financial Group, Inc. reserves the right,
but has no obligation, to monitor disputes between you and
other Users.
16. User Submissions And Communications; Public Areas:
You acknowledge that you own, solely responsible or
otherwise control all of the rights to the content that you
post; that the content is accurate; that use of the content
you supply does not violate these Terms of Use and will not
cause injury to any person or entity; and that you will
indemnify AAmerican Financial Group, Inc. or its affiliates
for all claims resulting from content you supply.
If you make any submission to an area of the Website
accessed or accessible by the public ("Public Area") or if
you submit any business information, idea, concept or
invention to AAmerican Financial Group, Inc. by email, you
automatically represent and warrant that the owner of such
content or intellectual property has expressly granted
AAmerican Financial Group, Inc. a royalty-free, perpetual,
irrevocable, world-wide nonexclusive license to use,
reproduce, create derivative works from, modify, publish,
edit, translate, distribute, perform, and display the
communication or content in any media or medium, or any
form, format, or forum now known or hereafter developed.
AAmerican Financial Group, Inc. may sublicense its rights
through multiple tiers of sublicenses. If you wish to keep
any business information, ideas, concepts or inventions
private or proprietary, you must not submit them to the
Public Areas or to AAmerican Financial Group, Inc. by email.
We try to answer every email in a timely manner, but are not
always able to do so.
Some of the forums (individual bulletin boards and posts on
the social network, for instance) on the Website are not
moderated or reviewed. Accordingly, Users will be held
directly and solely responsible for the content of messages
that are posted. While not moderating the forums, the Site
reviewer will periodically perform an administrative review
for the purpose of deleting messages that are old, have
received few responses, are off topic or irrelevant, serve
as advertisements or seem otherwise inappropriate. AAmerican
Financial Group, Inc. has full discretion to delete
messages. Users are encouraged to read the specific forum
rules displayed in each discussion forum first before
participating in that forum.
AAmerican Financial Group, Inc. reserves the right (but is
not obligated) to do any or all of the following:
(A) Record the dialogue in public chat rooms.
(B) Examine an allegation that a communication(s)
do(es) not conform to the terms of this section and
determine in its sole discretion to remove or request the
removal of the communication(s).
(C) Remove communications that are abusive, illegal,
or disruptive, or that otherwise fail to conform with these
Terms of Use.
(D) Terminate a Member's access to any or all Public
Areas and/or the AAmerican Financial Group, Inc. Site upon
any breach of these Terms of Use.
(E) Monitor, edit, or disclose any communication in
the Public Areas.
(F) Edit or delete any communication(s) posted on the
AAmerican Financial Group, Inc. Site, regardless of whether
such communication(s) violate these standards.
AAmerican Financial Group, Inc. reserves the right to take
any action it deems necessary to protect the personal safety
of our guests or the public. AAmerican Financial Group, Inc.
has no liability or responsibility to users of the AAmerican
Financial Group, Inc. Website or any other person or entity
for performance or non-performance of the aforementioned
activities.
17. Arbitration
Except as regarding any action seeking equitable relief,
including without limitation for the purpose of protecting
any AAmerican Financial Group, Inc. confidential information
and/or intellectual property rights, any controversy or
claim arising out of or relating to these Terms of Use or
this Website shall be settled by binding arbitration in
accordance with the commercial arbitration rules, in effect
at the time the proceedings begin, of the American
Arbitration Association. Any such controversy or claim shall
be arbitrated on an individual basis, and shall not be
consolidated in any arbitration with any claim or
controversy of any other party. The arbitration shall be
held in Florida, USA.
All information relating to or disclosed by any party in
connection with the arbitration of any disputes hereunder
shall be treated by the parties, their representatives, and
the arbitrator as proprietary business information. Such
information shall not be disclosed by any party or their
respective representatives without the prior written
authorization of the party furnishing such information. Such
information shall not be disclosed by the arbitrator without
the prior written authorization of all parties. Each party
shall bear the burden of its own counsel fees incurred in
connection with any arbitration proceedings.
Judgment upon the award returned by the arbitrator may be
entered in any court having jurisdiction over the parties or
their assets or application of enforcement, as the case may
be. Any award by the arbitrator shall be the sole and
exclusive remedy of the parties. The parties hereby waive
all rights to judicial review of the arbitrator's decision
and any award contained therein.
18. Limitation of Liability
YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. AAmerican
Financial Group, Inc. SPECIFICALLY DISCLAIMS ANY LIABILITY,
WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT
LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT,
INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES
ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE
OF OR RELIANCE ON THE CONTENT (EVEN IF AAmerican Financial
Group, Inc. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR
OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO
OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR,
OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION
OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION
LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS
TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES,
INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE
WEBSITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY
NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT
OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE OR
THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT
IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY
AAmerican Financial Group, Inc. SOME JURISDICTIONS DO NOT
ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY
NOT APPLY TO YOU.
19. Indemnity
You agree to defend, indemnify, and hold AAmerican Financial
Group, Inc., its officers, directors, employees, agents,
licensors, and suppliers, harmless from and against any
claims, actions or demands, liabilities and settlements
including without limitation, reasonable legal and
accounting fees, resulting from, or alleged to result from,
your violation of these Terms of Use.
B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS
20. Accounts And Security
AAmerican Financial Group, Inc. does not warrant that the
functions contained in the service provided by the Website
will be uninterrupted or error-free, that defects will be
corrected or that this service or the server that makes it
available will be free of viruses or other harmful
components.
As part of the registration process, each user will select a
password (*Password*) and Login Name (*Login Name*). You
shall provide AAmerican Financial Group, Inc. with accurate,
complete, and updated Account information. Failure to do so
shall constitute a breach of this Terms of Use, which may
result in immediate termination of your Account.
You may not:
(A) select or use a Login Name of another person with
the intent to impersonate that person;
(B) use a name subject to the rights of any other
person without authorization;
(C) use a Login Name that Website, in its sole
discretion, deems inappropriate or offensive.
You shall notify AAmerican Financial Group, Inc. of any
known or suspected unauthorized use(s) of your Account, or
any known or suspected breach of security, including loss,
theft, or unauthorized disclosure of your password. You
shall be responsible for maintaining the confidentiality of
your password.
Any fraudulent, abusive, or otherwise illegal activity may
be grounds for termination of your Account, at AAmerican
Financial Group, Inc.'s sole discretion, and you may be
reported to appropriate law-enforcement agencies.
(Contact us If you would like to request additional
information regarding these Terms of Use)