Welcome

WELCOME TO QUOTESTORM! Throughout this document, QUOTESTORM shall refer to its user as either “You,” “Your,” or“Consumer.” Your use of QUOTESTORM’S Services or access of the same means that you agree to be bound by the terms and conditions of this “Agreement” and QUOTESTORM’S Privacy Policy. QUOTESTORM’S “Services” includes, but is not limited to, all of the websites, technology, applications, widgets, emails and email notifications,any other such apparatuses or mediums whereby access to Quotestorm, its services, this Agreement, and Privacy Policy. By accessing or using QUOTESTORM’S SERVICES you hereby (1) enter into this binding Agreement with Quotestorm, which includes its Privacy Policy and all disclaimers and limitations of liability; (2) concede, acknowledge, and affirm that the same is supported by valuable and adequate consideration which you acknowledge the receipt of; (3) represent and warrant to Quotestorm that you have the capacity and authority to be bound by this Agreement and to bind any company or entity on whose behalf you are acting; and (4) represent and warrant that you are nota minor or someone under the age of 14, and acknowledge that Quotestorm’s services are not meant to be used by such persons.

Scope of Consumer’s Use and Access of Quotestorm’s Services

A Consumer has the right to use Quotestorm for any lawful purpose subject to the Terms and Conditions of Quotestorm, including the Privacy Policy and this Agreement. The Consumer’s right to access and use Quotestorm’s Services is a personal right. Accordingly ,it is not transferable to anyone else. Quotestorm reserves the right to halt,terminate, interrupt, limit, restrict, or modify a Consumer’s scope of use and access without any notice. In order to use and/or access the services of Quotestorm, the consumer will be required to provide Quotestorm personal information,including but not limited to, personal identifying information, medicalinformation, financial information, demographic information, and other confidential information (“Personal Information” or “PI”). A consumer who must provide PI to Quotestorm agrees to provide accurate, true, current, and complete information. The consumer must also maintain and update PI with Quotestorm whenever it changes. Any collection use and disclosure of PI is governed by this Agreement and Quotestorm’s Privacy Policy. You Must Maintain theSecurity of Any Password Issued to You. If our Services require you to create a password to use certain portions of our Services, then it is your sole responsibility to maintain the security of that password. You agree that we shall not be liable for any loss that you may suffer as a result of the authorized or unauthorized use of your password by a third party. You shall not allow any person under the age of 18 to use any Service via your registration or password.You agree that you will not use any robot, spider, scraper, deeplink or other similar automated data gathering or extraction tools, program,algorithm or methodology to access, acquire, copy or monitor our Services or any portion of our Services or for any other purpose, without our prior written permission. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; (ii) copy, reproduce,modify, create derivative works from, distribute or publicly display anycontent (except for your personal information) from our Services without our prior written permission and the appropriate third party, as applicable; (iii)interfere or attempt to interfere with the proper working of our Services or any activities conducted on our Services; or (iv) bypass any robot exclusion headers or other measures we may use to prevent or restrict access to ourServices. Notwithstanding the foregoing, we grant the operators of public search engines permission to use spiders to copy materials from our Services for the sole purpose and solely to the extent necessary for creating publicly available search indices of the materials on our Services, but not caches or archives of such materials. We reserve the right to revoke these exceptions either generally or in specific cases. Except as expressly permitted in thisAgreement, you shall not collect or harvest any personally identifiable information, including account names, from our Services. You shall not use any communication systems provided on our Services (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of our Services without our prior written permission. You consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You are responsible for obtaining and maintaining all telephone,computer hardware, Internet access services and other equipment or services needed to access and use our Services, and all costs and fees associated withInternet access or long distance charges incurred with regard to your access and use of our Services. If we provide aspects of our Services via an application for your mobile or other device, please be aware that your carrier’s normal rates and fees may apply and that the terms of this Agreement and other agreements within the application apply to your use of such application.There may be provided on our Services links or access to other websites or mediums belonging to our advertisers,business partners, affiliates, Service Providers and other third parties. Such links and access do not constitute our endorsement of those third parties, nor the products or services of those third parties. We are not responsible for the activities or policies of those third parties. We do not guarantee that the terms or rates offered by any particular advertiser, business partner,affiliate, Service Provider or other third party on or through our Services are the best terms or lowest rates available in the market. It is your obligation to notify Quotestorm of any data breach; you agree to immediately notify Quotestorm of any unauthorized use of your password, any unauthorized use of any account that you may have with us, any violation of this Agreement, or any other breach of security known to you in connection with any product or service available on our Services by sending an email to: quotestormoptouts@gmail.com.

Public Forums

Quotestorm’s Services may be comprised of venues, through blogs, messaging, chat rooms, bulletin boards and other forums (collectively, the “Forums”), allowing the users to contribute information and make statements (“User Generated Content”). Neither we nor our advertisers are involved in the actual transmission of User Generated Content provided for in the Forums. As a result, neither we nor our advertisers approve or endorse any User Generated Content in the Forums, and you hereby acknowledge and agree that neither we nor our advertisers have control over the User Generated Content submission’s quality, correctness, timeliness, safety, truth, accuracy or legality by you or any other person or entity in the Forums. You may find User Generated Content posted in the Forums by other users to be offensive, harmful, inaccurate or deceptive. Please use caution and common sense, and do not rely solely on User Generated Content published in the Forums. It is neither our nor our advertisers’ responsibility to ensure all posts and questions submitted on the Forums are answered. Without limiting the generality of the foregoing, and although we do not regularly review User Generated Content provided for in the Forums, we reserve the right (but not the obligation) to remove or edit any User Generated Content in the Forums, for any reason or no reason, in our sole discretion. Any problems with Forums or with User Generated Content should be reported forthwith to quotestormoptouts@gmail.com.

Quotestorm offers Financial Services But Is Not A Financial Advisor

You hereby acknowledge that Quotestorm does not provide investment advisory or similar services under this Agreement or through its affiliates and does not provide recommendations or advice concerning specific investments or specific investment advisors. As such, neither Quotestorm nor any of its agents, employees, or affiliates, are registered as investment advisors under the Investment Advisor Act of 1940, as amended, or the investment advisor laws of any State. Accordingly, this Agreement shall NOT be construed as creating any obligation upon Quotestorm or its agents to give such advice. Quotestorm, however, does offer, through its services, methods, and means through which the consumer can obtain information about third-party service providers, such as financial institutions, credit card providers, mortgage brokers, insurance brokers, insurance agents, discount program representatives and other insurance professionals (“Service Providers”). By providing such information or access about, or pertaining to, a given Service Provider, Quotestorm does not thereby recommend or advise the Consumer to purchase the products or services of such Service Provider. Rather, the Consumer is Solely Responsible for his or her Financial Decisions. Furthermore, Quotestorm does not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that Quotestorm is not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

Fees And Payments

Quotestorm has the sole and unfettered discretion to set and charge fees for any and all of its services. For any fees incident to services, Quotestorm will notify the Consumer of such fees. At any time, Quotestorm may increase or decrease such fees. If Quotestorm changes the amount of a fee or introduces a new service or charge a new fee, it will establish and notify the consumer of the fees for that service at the launch of the service or start of charging a new fee. You hereby agree to pay all fees and charges specified and all applicable taxes for your continued use of the applicable service.

Transmissions, Submissions And Postings To Our Services

For information which a consumer posts or transmits through Quotestorm’s Services which is not protected under Federal Trademark or Copyright laws, the Consumer automatically grants Quotestorm and its assigns the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below). If the consumer obtains prior written permission from to transmit, submit or post information to Quotestorm’s Services that is Federally trademarked and/or copyrighted, then the Consumer automatically grant Quotestorm and its assigns the worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content. The consumer is hereby prohibited from posting or transmitting: Information that infringes our or any third party’s copyright, patent, trademark, trade secret or other proprietary rights; Information that violates any law, statute, ordinance or regulation; Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to us or third parties or that infringes on our or any third party’s rights of publicity or privacy; Information that contains any viruses, worms, Trojan horses, trap doors, back doors, Easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information; Information containing or constituting chain letters, mass mailings, political campaigning, or any form of “spam”; Information that is false, inaccurate or misleading; Commercial advertisements or solicitations without our written permission; or Federally trademarked and/or copyrighted information without our prior written permission. Quotestorm, in its sole discretion, may edit, alter, refuse to post or remove Consumer postings for any reason or no reason.

Indemnity

QUOTESTORM, and any of its officers, Affiliates, stockholders, members, managers, directors, officers, agents, representatives, partners or employees (collectively, “Indemnitee”) shall be indemnified and held harmless by the Consumer of Quotestorm’s services from and against any and all losses, civil, equitable, statutory, criminal, or quasi-criminal claims, damages, liabilities, expenses (including without limitation all legal fees, court costs, litigations costs and expenses, and expenses toward QUOTESTORM’s choice of counsel), judgments, fines, money payments, settlements and other amounts or liabilities arising from (1) transmissions, submissions or postings of the Consumer; (2) any breach of this Agreement; (3) a Consumer’s failure to provide accurate and complete information to Quotestorm; (4) the Consumer’s access or use of Quotestorm’s Services; (5) any personal injury or property damage caused by the omissions or commissions of the Consumer.

Copyright Infringement

QUOTESTORM aims to achieve perfect regulatory compliance with any and all applicable state and federal intellectual property laws, including but not limited to, the Digital Millennium Copyright Act, title 17, United States Code, Section 512, including, without limitation, responding to notices of alleged copyright infringement, and other applicable intellectual property laws. Accordingly, incident to compliance measures, QUOTESTORM may disable and/or terminate the accounts of users who may infringe or repeatedly infringe the copyrights or other intellectual property rights of QUOTESTORM or third parties. Notifications of alleged copyright infringement should be sent by either express mail or U.S. mail to QUOTESTORM’s designated agent. To obtain QUOTESTORM’s designated agent contact information, email quotestormoptouts@gmail.com Notifications must include: A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single Notification, a representative list of such works at that site; 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, and information reasonably sufficient to permit us to locate the material; Information reasonably sufficient to permit us to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the Complaining Party may be contacted; 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; and A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Upon receipt of the Notification containing the information as outlined in 1 through 6 above, and pursuant to Title 17, United States Code, Section 512, QUOTESTORM will: Eliminate, remove or disable access to the material that is alleged to be infringing; Transmit or forward the Notification to the purported infringer; and Take reasonable steps to promptly notify the alleged infringer access to the material has been disabled or removed. Counter-Notification: Pursuant to Title 17, United States Code, Section 512(g)(3), an alleged Infringer may counter a Notification by providing a written communication (“Counter Notification”) to QUOTESTORM’s designated agent that includes substantially the following: A physical or electronic signature of the Subscriber; Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled; A statement under penalty of perjury that the Subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and The Subscriber’s name, address, and telephone number, and a statement that the Subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the Subscriber’s address is outside of the United States, for any judicial district in which we may be found, and that the Subscriber will accept service of process from the person who provided the Counter Notification or an agent of such person Upon receipt of a Counter Notification containing the information as outlined in 1 through 4 above, and pursuant to Title 17, United States Code, Section 512, QUOTESTORM HEREBY AFFIRMS AND REPRESENTS THAT IT WILL Timely provide the Complaining Party with a copy of the Counter Notification; Timely arrange for replacement of the offending and/or removed material or cease disabling access to the offending and/or removed material within ten (10) business days; and Replace the removed material or cease disabling access to the removed material not less than ten (10), nor more than fourteen (14) business days following receipt of the Counter Notification, provided Quotestorm’s designated agent has not received notice from the Complaining Party that an action has been filed seeking a court order to restrain the subscriber from engaging in infringing activity relating to the removed material on our network or system.

Quotestorm Has No Control Over Third Parties

All designs, materials, labels, names, graphics, logos, headers, buttons, icons, scripts, images, branding components, and service names, including its metadata and hidden texts, comprise Quotestorm’s trademarks or trade dress in the United States and/or other countries (collectively, the “Proprietary Marks”). You may not use the Proprietary Marks without our prior written permission. We make no proprietary claim to any third-party names, trademarks or service marks appearing on our Services. Any third-party names, trademarks, and service marks are property of their respective owners. The information, advice, data, software and content viewable on, contained in, or downloadable from our Services (collectively, the “Content”), including, without limitation, all text, graphics, charts, pictures, photographs, images, videos, line art, icons and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. Quotestorm may also own a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the “Collective Work”). All software used on or within our Services (the “Software”) is the property of Quotestorm or its software vendors and is protected by United States and international copyright laws. Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work, or the Software. You are solely responsible for any damages resulting from your infringement of our or any third-party’s intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software and/or any other harm incurred by us or our affiliates as a, direct or indirect, result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement. Notwithstanding the foregoing, Quotestorm hereby grants to you, the consumer, a limited license to access, print, download or otherwise make personal use of the Content and the Collective Work in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content and the Collective Work, or transfer the Content or the Collective Work to another person or entity. Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without our prior written permission.

Amendments To Privacy Policy

CONTENT, SERVICES, AND PRODUCTS ASSOCIATED WITH QUOTESTORM’S SERVICES ARE PROVIDED TO CONSUMERS ON AN “AS-IS” AND “AS AVAILABLE” BASIS. QUOTESTORM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF ITS SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES IS AT YOUR SOLE RISK. WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES, OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM OUR SERVICES IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH OUR SERVICES. WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A FINANCIAL INSTITUTION, INSURANCE PROVIDER, CREDIT CARD PROVIDER OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH SERVICE PROVIDERS AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS. THE CONTENT IS INTENDED ONLY TO ASSIST YOU WITH FINANCIAL DECISIONS AND IS BROAD IN SCOPE AND DOES NOT CONSIDER YOUR PERSONAL FINANCIAL SITUATION. BEFORE MAKING ANY FINAL DECISIONS OR IMPLEMENTING ANY FINANCIAL STRATEGY, YOU SHOULD OBTAIN ADDITIONAL INFORMATION AND ADVICE FROM YOUR ACCOUNTANT, LAWYER, AND/OR FINANCIAL ADVISORS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES. OUR SERVICES ARE CONTROLLED AND OFFERED BY US FROM OUR FACILITIES IN THE UNITED STATES OF AMERICA. 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.

Limitations On 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 THE LESSER OF $200 DOLLARS OR THE PURCHASE PRICE PAID BY THE USER FOR THE ITEM OF SERVICE OR USE GIVING RISE TO A PUTATIVE CLAIM. YOU SPECIFICALLY ACKNOWLEDGE THAT WE SHALL NOT BE LIABLE FOR USER GENERATED CONTENT OR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF HARM OR DAMAGE FROM SUCH USER GENERATED CONTENT AND THIRD-PARTY CONDUCT RESTS ENTIRELY WITH YOU. 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. IF THE SAID LIMITATIONS PERIOD IS HELD TO BE VOID AS CONTRARY TO PUBLIC POLICY OR UNENFORCEABLE UNDER THE LAWS OF THE GIVEN JURISDICTION, THEN THE STATUTE OF LIMITATIONS FOR THE STATE OF DELAWARE, INCLUDING BUT NOT LIMITED TO DELAWARE’S CODES AND PERTINENT LAWS, SHALL APPLY TO ANY SUCH ACTION, CLAIM, DISPUTE OR PROCEEDING REFERRED TO FINAL OR BINDING ARBITRATION. WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES, OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM OUR SERVICES IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH OUR SERVICES. WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A FINANCIAL INSTITUTION, INSURANCE PROVIDER, CREDIT CARD PROVIDER OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH SERVICE PROVIDERS AND, THEREFORE, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS. THE CONTENT IS INTENDED ONLY TO ASSIST YOU WITH FINANCIAL DECISIONS AND IS BROAD IN SCOPE AND DOES NOT CONSIDER YOUR PERSONAL FINANCIAL SITUATION. BEFORE MAKING ANY FINAL DECISIONS OR IMPLEMENTING ANY FINANCIAL STRATEGY, YOU SHOULD OBTAIN ADDITIONAL INFORMATION AND ADVICE FROM YOUR ACCOUNTANT, LAWYER, AND/OR FINANCIAL ADVISORS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES. OUR SERVICES ARE CONTROLLED AND OFFERED BY US FROM OUR FACILITIES IN THE UNITED STATES OF AMERICA. 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.