INSRateQuotes (IRQ) has achieved a Nationwide Reputation in providing Insurance Rate Quotes for Home and Business Owners and the General Public. IRQ solely provides this Free Service as an advertising service to participating Insurance Carriers, their Agents and Brokers. IRQ is not an Insurance Company, Carrier, Agent or Broker. IRQ advertises throughout the Network of Business and the Internet.
Use of Website
Please read this agreement carefully in its entirety before using this site, or using any content and material from this site as well as any other service offered through IRQ. If you do not agree with any provisions of this Agreement, do not access or use this site. Your use of this site constitutes your full and complete acceptance of the terms and conditions of this Agreement.
With your compliance of this agreement, we grant you a nonexclusive, revocable, non-assignable, non-sub licensable limited right to solely access, through our Login Page to view information in accordance with all specific details of use as written in our website pages. You may not deep link to specific pages for harvesting data, scrape, spider, crawl or copy content or otherwise transfer information from our website pages.
Your access and use of the Site may be disengaged from the internet for one or more reasons, including, maintenance, repair or updating of the Site or other actions that IRQ may necessitate. IRQ reserves the right to discontinue the availability of the Site or any part of the Site at any time without prior notice.
Subsequent Revisions to Agreement
IRQ reserves the right, in its sole discretion, to modify, alter or otherwise change this Agreement at any time and you agree to be bound by such modifications, alterations and/or additions. Accordingly, IRQ recommends that you periodically visit this page to review the current Agreement.
This agreement is an exclusive electronic agreement between you and IRQ and may be terminated any time, with or without notice and for any or no cause by IRQ.
License to Submissions
It is not necessary to submit or contribute content, ideas, concepts, etc., in order to participate in any part of the IRQ, however, if you do so, you hereby grant with this agreement, a nonexclusive, irrevocable, unlimited, sub licensable and assign, royalty free right for us to copy, publish, complete derivative works, improve, add and use commercially in any future way without further consent, notice and or compensation to you or anyone affiliated with you in any manner. You further agree that any submission is accurate and you have sole title to all aforestated materials and you are not submitting prior patented or copyrighted information of any third party.
Use of Information
The term "Your Information" includes any information that you provide to us or our Partners during the registration or in any part of our site or through any email feature. You are solely responsible for the accuracy and truthfulness of Your Information, and we act only as a passive conduit for Your Information. Notwithstanding the foregoing, your Information and the seeking of services on IRQ or any related third party's website, shall not violate any law, statute, ordinance or regulation, including without limitation those governing export control, consumer protection, anti-discrimination or false advertising. You may not offer any service or product through the IRQ that is not related to the services that you are permitted to perform under applicable laws or regulations, or any service that is not considered a legal or related service.
Copy of Materials Prohibited
The materials may not be copied, republished, reproduced, uploaded, posted, transmitted, or distributed in any way. Modification of the Materials or use of the Materials for any other purpose is a violation of IRQ and possibly, other third party's copyright and proprietary rights. You agree to use the Materials and this Site only for the purposes which are lawful in every nation and jurisdiction in the world and all subdivisions thereof.
Copyrights, Trademarks and Proprietary Information
All the Materials on this site, including, without limitation; images, illustrations, text, audio clips, video clips and software, are copyrighted materials, patents, business methods, trademarks and/or other proprietary information, which are owned or controlled by IRQ or by other parties that have licensed to IRQ the right to use the Materials or if IRQ has hyperlinked such information as per internet law. Additionally, all the Materials of this site are copyrighted as a collective work under the United States copyright laws and/or similar laws of the other jurisdictions and therefore, IRQ owns a copyright in the selection, coordination, arrangement and enhancement of such Materials. IRQ is a trademark and service mark of IRQ and all rights in such trademark/service marks are reserved. All other trademarks and service marks appearing on the site are the property of their respective owners and all rights in such trademarks/service marks are also reserved. You agree not to display, reproduce, distribute, modify, use, encumber, license, publish, sell, transfer or transmit, or in any way exploit, the copyrights and trademarks of this site without the express written permission of IRQ or any other respective copyright and/or trademark owner (from whom you are solely responsible for obtaining permission). Hyperlinking to informational internet content has been tested in the courts and is permissible. Any violation of law may result in severe civil penalties.
Notice and Procedure for Making Claims of Intellectual Property Infringement
If you are a copyright owner or agent thereof and you believe that your content has been copied in a way that constitutes copyright infringement or your intellectual property rights have otherwise been violated, please provide the IRQ copyright agent the written information specified below:
The IRQ Copyright Agent for notice of claims of copyright or other intellectual property infringement can be reached as follows:Email: CopyrightAgent@INSRateQuotes.com with copy to:
Rights of Software Use
This Agreement grants you a non-exclusive non-transferable, non-sub licensable right to use our Software. IRQ reserves all rights in the Software not expressly granted herein, including without limitation, ownership and proprietary rights. Your right to use the Software Service is subject to the limitations, conditions and restrictions established by us from time to time, in our sole discretion. We may alter, suspend or discontinue any aspect of the Service at any time, including the availability of any Service feature, database or content. We may also impose limits on certain features and aspects of the Service or restrict your access to parts or all of the Service without notice or liability.
IRQ is not directed to children under the age of 18. We prohibit registration by and will not knowingly collect personal identifiable information from anyone under the age of 13, in compliance with the Children's Online Privacy Protection Act and our General Policy.
The user must understand that all contents (information, data, text, photographs, videos, music, graphics and/or other materials) transmitted through IRQ software are the sole responsibility of the person from which such content originated. IRQ does not control or prescreen the contents sent via the video communication service; therefore, the user is entirely responsible for all contents that he/she publishes. The user must also understand that it is possible for him/her to receive content that is offensive, objectionable or indecent. IRQ nor any of the websites or softwares of IRQ are not liable for any such content. Users shall recognize they have the responsibility of evaluating and bearing the risks associated with the content's (that is shared and used) reliability, accuracy, usefulness, purpose and comprehensiveness. Consequently, users shall understand that they cannot entirely depend on the transmission of service. The user agrees not to use the service to:
Content that is publicly available on IRQ may not be stored in a computer. You can store personal and non-commercial content on your computer, however, your private storage can be accessed by IRQ to investigate complaints or by a court order.
You may not reproduce or distribute the Software for any purpose whatsoever. Without limiting the foregoing, you may not copy the Software to any server or location for reproduction or distribution. You may not reverse engineer, decompile or disassemble the Software. The restrictions contained herein apply equally to any updates that may be provided to you by IRQ and our partner sites. The Sites contain information that is proprietary to our partners, our users, and us. We assert full copyright protection in the Software/Sites. Information posted by us or our partners or our users of the Software/Sites may be protected whether or not it is identified as proprietary to us or to the users. You may not modify, copy or distribute any such information in any manner whatsoever without having first received the express written permission of the owner of such information and nothing in this Agreement shall grant you the license to use such copyrights or service marks. All intellectual property rights in the Software and Services, including without limitation, all computer code, audio, graphics, multimedia, images, sounds and text incorporated into the Software or Services, are owned exclusively by IRQ and we are protected by United States copyright laws and international copyright treaty provisions. Any violation of the terms set forth herein is expressly prohibited by law and may result in severe civil and criminal penalties.
CONTENT POSTED ON THE SITE
IRQ and their softwares -
IRQ does not quote insurance rates: you select and you apply for quotes through Carriers, Agents & Brokers that are provided by IRQ. IRQ disclaims any and all representations, warranties and opinions regarding Insurance Quotes or Rates.
IRQ does not endorse nor are we responsible or liable for any action of the Carriers or their Agents & Brokers, directly or indirectly and IRQ is not responsible in any manner for any damage or loss caused or alleged to be caused in connection by any purported action.
No Guarantee of Quotes, Rates or Coverage. IRQ does not make any guarantees, warranties or representations regarding the quotes, rates or coverage offered or made available through Carriers.
You also authorize Carriers and their representatives to contact you by telephone, fax, email or video communication to provide you with a rate quote.
IRQ makes no representations or warranties regarding the accuracy of this Site's content, either expressed or implied; it is your responsibility to evaluate all of the content and you agree that any use is at your sole risk.
You are required to provide IRQ and our Partners with Information that is current, complete and accurate and you will not misrepresent your information. Your information must be updated as changes occur.
It is your sole responsibility to maintain password security. You will not allow any person to use your password to operate IRQ through your registration.
IRQ and our partners provide information on financial providers, such as Mortgage Brokers, Business and Franchise Opportunities, Credit, Lending and Investment Firms. IRQ is not an agent or consultant, nor do we advise or endorse these services. It is your sole responsibility to investigate any such service prior to use.
Access and use of IRQ is Free. At any time, IRQ may choose to charge fees for various services; IRQ will notify you of any changes 30 days prior to IRQ offering their services for a fee.
You may terminate your registration or viewing use at any time by contacting us. IRQ reserves the right to terminate your access to the use of our site for any reason or for no reason.
No warranty is made by IRQ regarding information, services and IRQ hereby disclaims any and all representations including, accuracy, reliability and general information obtained from third parties.
Disclosure of Information
In order to serve you, you are required to list information about yourself or your business. This information may be sent to Insurance Carriers, Agents and Brokers who need this information to respond to you or to other entities who work with us. You consent to be contacted by telephone, fax, postal mail, email or by video communication by any communication contacts that you have supplied to us or that we maintain. You state that all information that you provide to our partners and IRQ is true, accurate and current.
You agree to protect and fully compensate IRQ and their partners from any and all third-party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) arising from your misuse of the services, your violation of the terms or your infringement or infringement by any other user of your account, of any intellectual property or other right of anyone.
Limitations on Liability
You agree that we will not be liable for indirect, special or consequential damages or any loss of revenue, profits or loss of data arising with this agreement and its use. Should there be a disagreement, users agree to arbitrate all claims and disclaimers of warranties and liability.
This agreement is governed by the laws of the State of Nevada, Clark County, U.S.A., and you hereby consent to the jurisdiction and venue in the State Courts as well as the Federal jurisdiction. Notices may be given by electronic publishing or message posting.