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DMCA

A. General Terms

1. User Consent to the Disclaimer.

You represent that you have read and agree to be bound by the Disclaimer.

2. Intellectual Property.

This Web site, and all of the content it contains, or may in the future contain, including but not limited to text, content, photographs, video, audio and graphics, goods, designs, information, applications, software, music, audio files, articles, directories, guides, photographs as well as the trademarks, service marks, trade names, trade dress, copyrights, logos, domain names, code, patents and/or any other form of intellectual property (collectively, the “Service”) that relates to this site, are owned by or licensed by WWW.LIFE-QUOTES.CO or other third parties and are protected from any unauthorized use, copying and dissemination by copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and laws of the U.S. and other countries. The Service is also protected as a collective work or compilation under U.S. copyright and other laws and treaties. All individual articles, columns and other elements making up the Service are also copyrighted works. You agree to abide by all applicable copyright and other laws, as well as any additional copyright notices or restrictions contained in the Service. You acknowledge that the Service has been developed, compiled, prepared, revised, selected, and arranged by BLP, its general and limited partners, and its subsidiaries, and their respective general partners and affiliates (collectively “WWW.LIFE-QUOTES.CO”) and others (including certain other information sources) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort, and money and constitutes valuable intellectual property of WWW.LIFE-QUOTES.CO and such others. You agree to protect the proprietary rights of WWW.LIFE-QUOTES.CO and all others having rights in the Service during and after the term of this agreement and to comply with all reasonable written requests made by BLP or its suppliers and licensors of content, equipment, or otherwise (“Suppliers”) to protect their and others’ contractual, statutory, and common law rights in the Service. You agree to notify BLP in writing promptly upon becoming aware of any unauthorized access or use of the Service by any individual or entity or of any claim that the Service infringes upon any copyright, trademark, or other contractual, statutory, or common law rights. All present and future rights in and to trade secrets, patents, copyrights, trademarks, service marks, know-how, and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to the Service (the “Intellectual Property Rights”) shall, as between you and WWW.LIFE-QUOTES.CO, at all times be and remain the sole and exclusive property of WWW.LIFE-QUOTES.CO. All present and future rights in and title to the Service (including the right to exploit the Service and any portions of the Service over any present or future technology) are reserved to WWW.LIFE-QUOTES.CO for its exclusive use. Except as specifically permitted by the Disclaimer, you may not copy or make any use of the Service or any portion thereof. Except as specifically permitted herein, you shall not use the Intellectual Property Rights or the Service, or the names of any individual participant in, or contributor to, the Service, or any variations or derivatives thereof, for any purpose, without BLP’s prior written approval.

3. Restrictions on Use.

You may not use the Service for any illegal purpose, for the facilitation of the violation of any law or regulation, or in any manner inconsistent with the Disclaimer. You agree to use the Service solely for your own noncommercial use and benefit, and not for resale or other transfer or disposition to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute, or dispose of any information contained in the Service in any manner that could compete with the business of WWW.LIFE-QUOTES.CO or any of its suppliers.

Except as expressly permitted by WWW.LIFE-QUOTES.CO in writing you may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to, create derivative works from, transmit, transfer, sell, license, upload, edit post, frame, link, or in any way exploit any part of the Service, except that you may download material from the Service and/or make one print copy for your own personal, noncommercial use, provided that you retain all copyright and other proprietary notices. You may not recirculate, redistribute or publish the analysis and presentation included in the Service without BLP’s prior written consent. Nothing contained in the Disclaimer or on this site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Service in any manner without the prior written consent of WWW.LIFE-QUOTES.CO or such third party that may own the Service or intellectual property displayed on this site. UNAUTHORIZED USE, COPYING, REPRODUCTION, MODIFICATION, PUBLICATION, REPUBLICATION, UPLOADING, FRAMING, DOWNLOADING, POSTING, TRANSMITTING, DISTRIBUTING, DUPLICATING OR ANY OTHER MISUSE OF ANY OF THE SERVICE IS STRICTLY PROHIBITED. Any use of the Service other than as permitted by the Disclaimer will violate the Disclaimer and may infringe upon our rights or the rights of the third party that owns the affected Service. You agree to report any violation of the Disclaimer by others that you become aware of.

You may use the “e-mail this article” function solely to inform others about a WWW.LIFE-QUOTES.CO News article, and you shall immediately cease using this function with regard to recipients who have requested not to receive such information. You may not offer any part of the Service for sale or distribute it over any other medium including but not limited to over-the-air television or radio broadcast, a computer network or hyperlink framing on the internet without the prior written consent of BLP. The Service and the information contained therein may not be used to construct a database of any kind. Nor may the Service be stored (in its entirety or in any part) in databases for access by you or any third party or to distribute any database Services containing all or part of the Service. You may not use the Service in any way to improve the quality of any data sold or contributed by you to any third party.

You may not input, distribute, upload, post, email, transmit or otherwise make available any content through the Service that: (i) is promotional in nature, including solicitations for funds or business, without the prior written authorization of BLP, or constitutes junk mail, spam, chain letters, pyramid schemes or the like; (ii) is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable; (iii) you do not have the right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (iv) infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; (v) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware, or telecommunications equipment; (vi) is harmful to minors; or (vii) constitutes the personally identifiable information of any other person that such person has not authorized you to disclose.

You may not use any of the trademarks, trade names, service marks, copyrights, or logos of WWW.LIFE-QUOTES.CO in any manner which creates the impression that such items belong to or are associated with you or are used with WWW.LIFE-QUOTES.CO’s consent, and you acknowledge that you have no ownership rights in and to any of such items.

You may neither interfere with nor attempt to interfere with nor otherwise disrupt the proper working of the Service, any activities conducted on or through the Service or any servers or networks connected to the Service. You may neither obtain nor attempt to obtain through any means any materials or information on the Service that have not been intentionally made publicly available either by public display on the Service or through accessibility by a visible link on the Service. You shall not violate the security of the Service or attempt to gain unauthorized access to the Service, data, materials, information, computer systems or networks connected to any server associated with the Service, through hacking, password timing or any other means. You may neither take nor attempt any action that, in the sole discretion of BLP, imposes or may impose an unreasonable or disproportionately large load or burden on the Service or the infrastructure of the Service. You shall not use or attempt to use any “scraper,” “robot,” “bot,” “spider,” “data mining,” “computer code,” or any other automate device, program, tool, algorithm, process or methodology to access, acquire, copy, or monitor any portion of the Service, any data or content found on or accessed through the Service, or any other Service information without the prior express written consent of BLP. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any other content.

4. License.

(i) You acquire absolutely no rights or licenses in or to the Service and materials contained within the Service other than the limited right to utilize the Service in accordance with the Disclaimer. Should you choose to download content from the Service, you must do so in accordance with the Disclaimer. Such download is licensed to you by WWW.LIFE-QUOTES.CO ONLY for your own personal, noncommercial use in accordance with the Disclaimer and does not transfer any other rights to you.

(ii) WWW.LIFE-QUOTES.CO’s long-standing company policy does not allow it to accept or consider creative ideas, suggestions, or materials other than those it has specifically requested (see below). Accordingly, we ask that you do not send us any original creative materials that you expect to be compensated for or that you would like to keep private. If you nevertheless choose to make any such submission, WWW.LIFE-QUOTES.CO may freely use the submission, in whole or in part, for any purpose without any obligation to you.

Without limiting the generality of the foregoing, if you submit material (i.e., user-generated content, including, but not limited to: comments, text, video, audio, and photographs) to this site, any other site owned by BLP and its affiliates or to BLP or its representative, or if you send us creative suggestions, ideas, notes, concepts, or any other information (each, a “Submission” and collectively, the “Submissions”), despite our request that you not send us any unsolicited Submissions or other creative materials, the Submission will be treated as non-confidential and non-proprietary in each instance. None of the Submissions shall be subject to any obligation of confidence on the part of WWW.LIFE-QUOTES.CO, and WWW.LIFE-QUOTES.CO shall not be liable for any use or disclosure of any Submissions. Unless BLP indicates otherwise, you grant to WWW.LIFE-QUOTES.CO a perpetual, nonexclusive, irrevocable, fully paid, royalty-free, sublicensable and transferable (in whole or in part) worldwide right and license in any and all media, now known or later developed, to use, publish, reproduce, display, modify, transmit digitally, create derivative works based upon, distribute, copy, and otherwise exploit Submissions for any purpose whatsoever (including, without limitation, advertising, commercial, promotional and publicity purposes) in WWW.LIFE-QUOTES.CO’s discretion without additional notice, attribution or consideration to you or to any other person or entity. You also permit any other user to access, store, or reproduce Submissions for that user’s personal use. You grant WWW.LIFE-QUOTES.CO the right to use the name that you submit in connection with Submissions. You agree and understand that WWW.LIFE-QUOTES.CO is not obligated to use any Submission you make to this site or WWW.LIFE-QUOTES.CO and you have no right to compel such use. You hereby acknowledge and agree that your relationship with WWW.LIFE-QUOTES.CO is not a confidential, fiduciary, or other special relationship, and that your decision to submit any material to WWW.LIFE-QUOTES.CO does not place WWW.LIFE-QUOTES.CO in a position that is any different from the position held by members of the general public with regard to your Submission. You represent and warrant that you are the original author or creator of the Submissions (except as expressly indicated otherwise), that neither the permission nor consent of any other person or entity is required to enable WWW.LIFE-QUOTES.CO to legally use your Submission in accordance with this license and that WWW.LIFE-QUOTES.CO’s use of your Submission in accordance with this license will not violate or infringe upon the rights of any person or entity, and that you own or otherwise control all of the rights to the Submissions that you submit; that the Submissions you submit are truthful and accurate; that use of the Submissions you supply does not violate this Disclaimer and will not cause injury to any person or entity; and that you will indemnify WWW.LIFE-QUOTES.CO and its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns for all claims resulting from Submissions you supply. WWW.LIFE-QUOTES.CO and its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns disclaim any responsibility and assume no liability for any Submissions submitted by you or any third party. You hereby irrevocably waive, release and give up any claim that any use of such Submission violates any of your rights, including, without limitation, copyrights, trademarks, moral rights, privacy rights, proprietary or other property rights, publicity rights, or right to credit for the material or ideas, and forever release and discharge WWW.LIFE-QUOTES.CO and its licensees from any and all claims you may have in connection with WWW.LIFE-QUOTES.CO’s use of your Submission in accordance with this license. Finally, you acknowledge that, with respect to any claim you may have relating to or arising out of WWW.LIFE-QUOTES.CO’s actual or alleged exploitation or use of any material you submit to this site and/or WWW.LIFE-QUOTES.CO, the damage, if any, thereby caused will not be irreparable or otherwise sufficient to entitle you to injunctive or other equitable relief or to in any way enjoin the exploitation or other use of any WWW.LIFE-QUOTES.CO product or service based on or allegedly based on the material, and your rights and remedies in any such event shall be strictly limited to the right to recover damages, if any, in an action at law. You agree that this authorization contains the full and complete understanding between WWW.LIFE-QUOTES.CO and you regarding WWW.LIFE-QUOTES.CO’s use of your Submission and cannot be modified except by a document signed by WWW.LIFE-QUOTES.CO and you.

5. Fees and Payments.

BLP reserves the right at any time to charge fees for access to portions of the Service or the Service as a whole. This includes, but is not limited to WWW.LIFE-QUOTES.CO’s subscription service, which allows anonymous and registered users to access a limited number of free articles per month and a limited amount of free video every 24 hours, before requiring payment for additional access. Additional information regarding the terms of the subscription service may be found under Subscription Terms.

If at any time BLP requires a fee for portions of the Service or the Service as a whole, BLP will require you to register and create an account. The decision to provide the information required to create an account is purely voluntary and optional; however, if you elect not to provide such information, you will not be able to access certain content or participate in certain parts or features of this site. You shall pay all fees and charges incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred, including but not limited to charges for any products or services offered for sale through the Service by WWW.LIFE-QUOTES.CO or by any other vendor or service provider. All fees and charges shall be billed to you, and you shall be solely responsible for their payment. You shall pay all applicable taxes relating to the use of the Service through your account, and the purchase of any other products or services. Certain portions of the Service or the Service as a whole may require a prepaid fee (“Prepaid Fee”), which may be modified from time to time in BLP’s sole discretion. The Prepaid Fee, and all taxes and other fees related thereto will be paid by you in advance. In no event will you receive any portions of the Service or the Service as a whole if a Prepaid Fee is required unless BLP receives all fees and charges payable by you, including the Prepaid Fee.

6. Registration and Account Creation.

As part of the registration and account creation process necessary to obtain access to certain portions of the Service, including those portions that require a fee or payment for access, you will select a username and a password. You will provide BLP with certain registration information, all of which must be accurate, truthful, and updated. You shall not: (i) select a username already used by another person; (ii) create an account for anyone other than yourself without permission; (iii) use a username in which another person has rights without such person’s authorization; or (iv) use a username or password that BLP, in its sole discretion, deems offensive or inappropriate. BLP reserves the right to deny creation of your account based on BLP’s inability to verify the authenticity of your registration information. You shall be solely responsible for maintaining the confidentiality of your password. You shall immediately notify BLP by submitting FEEDBACK 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 or credit card information. You are fully responsible for all usage and activity on your account, including, but not limited to, use of the account by any third party authorized by you to use your username and password. You agree you will not sell, transfer or assign your membership or any membership rights. The use of your account by any individual under age eighteen (18) is strictly prohibited. If the computer system on which you accessed the Service is sold or transferred to another party, you warrant and represent that you will delete all cookies and software files obtained by or through use of the Service. BLP reserves the right to terminate your account, in its sole discretion, at any time without notice. If we disable your account, you agree that you will not create another one without our permission. You may terminate your account at any time by submitting feedback. Upon termination, you will receive an automated confirmation via e-mail that the request was received, and your account will be terminated within five (5) business days. You are responsible for all charges incurred up to the time the account is terminated. Notwithstanding anything else herein, BLP reserves the right to pursue any and all claims against any user of your account. You agree to maintain only one account with the Service at any time and certify that you currently have no other account(s) with the Service.

7. Disclaimer and Limitation of Liability.

(i) YOU AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND ACKNOWLEDGE THAT THE SERVICE AND ANYTHING CONTAINED WITHIN THE SERVICE, INCLUDING, BUT NOT LIMITED TO, CONTENT, SERVICES, GOODS, OR ADVERTISEMENTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND THAT WWW.LIFE-QUOTES.CO MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SERVICE, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY, NON-INFRINGEMENT, TITLE, OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW FROM A COURSE OF DEALING OR USAGE OF TRADE. WWW.LIFE-QUOTES.CO DOES NOT WARRANT THAT THE AVAILABILITY OF OR THE FUNCTIONS CONTAINED IN THIS SITE OR THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THIS SITE, THE SERVICE OR SERVER DO NOT VIOLATE ANY PATENT OR OTHER INTELLECTUAL PROPERTY RIGHTS OF ANY PERSON OR ENTITY. WWW.LIFE-QUOTES.CO DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THIS SITE OR THE SERVICE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT WWW.LIFE-QUOTES.CO) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT FULLY APPLY TO YOU.

(ii) WWW.LIFE-QUOTES.CO does not warrant that the Service is compatible with your equipment or that the Service, or e-mail sent by WWW.LIFE-QUOTES.CO or its representative, is free of errors or viruses, worms or “Trojan horses,” or any other harmful, invasive, or corrupted files, and is not liable for any damage you may suffer as a result of such destructive features. You agree that WWW.LIFE-QUOTES.CO and its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns shall have no responsibility or liability for: (i) any injury or damages, whether caused by the negligence of WWW.LIFE-QUOTES.CO, its parent, or their respective affiliates, Suppliers, agents, directors, officers, employees, representatives, general partner, subsidiaries, successors, and assigns, or otherwise arising in connection with the Service and shall not be liable for any lost profits, losses, punitive, incidental or consequential damages, or any claim against WWW.LIFE-QUOTES.CO by any other party; or (ii) any fault, inaccuracy, omission, delay, or any other failure in the Service caused by your computer equipment or arising from your use of the Service on such equipment. The content of other Web sites, services, goods, or advertisements (“Third Party Sites”) that may be linked to the Service is not maintained or controlled by WWW.LIFE-QUOTES.CO. Our provision of links to Third Party Sites is not an endorsement of any information, product or service that is offered on or reached through such Third Party Site WWW.LIFE-QUOTES.CO is not responsible for the availability, content, or accuracy of other Web sites, services, or goods that may be linked to, or advertised on, the Service. WWW.LIFE-QUOTES.CO does not: (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, the Service; (b) guarantee the accuracy, completeness, usefulness or adequacy of any other Web sites, services, goods, or advertisements that may be linked to the Service; or (c) make any endorsement, express or implied, of any other Web sites, services, goods, or advertisements that may be linked to the Service. If you decide to leave this site and access the Third Party Sites, you do so at your own risk and you should be aware that our terms and policies no longer govern. WWW.LIFE-QUOTES.CO is also not responsible for the reliability or continued availability of the telephone lines, wireless services, communications media, and equipment you use to access the Service. You understand that WWW.LIFE-QUOTES.CO and/or third-party contributors to the Service may choose at any time to inhibit or prohibit their content from being accessed under the Disclaimer.

(iii) You acknowledge that: (i) the Service is provided for information purposes only and is not intended for trading purposes; (ii) the Service may include certain information taken from stock exchanges and other sources from around the world; (iii) WWW.LIFE-QUOTES.CO does not guarantee the sequence, accuracy, completeness, or timeliness of the Service or any information, facts, views, opinions, statements or recommendations contained on this site and/or the Service; (iv) the provision of certain parts of the Service is subject to the terms and conditions of other agreements to which WWW.LIFE-QUOTES.CO is a party; (v) none of the information contained on this site constitutes a solicitation, offer, opinion, endorsement or recommendation by WWW.LIFE-QUOTES.CO to buy or sell any security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment; and (vi) the information provided on this site is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation. Accordingly, anything to the contrary herein set forth notwithstanding, WWW.LIFE-QUOTES.CO, its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns shall not, directly or indirectly, be liable, in any way, to you or any other person for any: (a) inaccuracies or errors in or omissions from the Service including, but not limited to, quotes and financial data; (b) delays, errors, or interruptions in the transmission or delivery of the Service; or (c) loss or damage arising therefrom or occasioned thereby, or by any reason of nonperformance.

(iv) UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL WWW.LIFE-QUOTES.CO, ITS PARENTS, AFFILIATES, SUBSIDIARIES, SUPPLIERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SUCCESSORS, LICENSORS OR ASSIGNS BE LIABLE TO YOU OR ANY THIRD PERSON FOR DAMAGES OF ANY KIND, WHETHER BASED IN TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES EVEN IF WWW.LIFE-QUOTES.CO HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING IN ANY WAY FROM OR IN CONNECTION WITH THIS SITE, THE SERVICE, USE OF OR INABILITY TO USE THE SERVICE OR ANY LINKS OR ITEMS ON THE SERVICE OR ANY PROVISION OF THE Disclaimer, SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL WWW.LIFE-QUOTES.CO’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.

BY ACCESSING THIS SITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS:

“A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.”

You hereby waive any and all rights you have or may have under California Civil Code Section 1542, and/or any similar provision of law or successor statute to it, with respect to any claims you may have in connection with this site or these Disclaimer. In connection with this waiver and release, you acknowledge that you are aware that you may hereafter discover claims presently unknown or unsuspected, or facts in addition to or different from those which you now know or believe to be true. Nevertheless, you intend by these Disclaimer to release fully, finally and forever all such matters under these Disclaimer In furtherance of such intention, the releases set forth in these Disclaimer shall be and shall remain in effect as full and complete releases notwithstanding the discovery or existence of any such additional or different claims or facts relevant hereto.

8. Your Authority to Agree to this Disclaimer.

You represent, warrant and covenant that: (i) you have the power and authority to enter into this agreement; and (ii) you are at least eighteen (18) years old.

9. Sponsor Content.

(i) What Is Sponsor Content?

“Sponsor Content” consists of: (i) all paid-for content created by the WWW.LIFE-QUOTES.CO L.P. (“WWW.LIFE-QUOTES.CO”) custom content team (“WWW.LIFE-QUOTES.CO Custom Content”) in collaboration with advertisers, and served by or appears in any WWW.LIFE-QUOTES.CO medium and (ii) paid-for content supplied by advertisers that is served by or appears in any WWW.LIFE-QUOTES.CO medium. The foregoing categories include any paid-for content purchased under the AAAA/IAB Standard Terms and Conditions.

(ii) Standards And Procedures For Sponsor Content
In addition to the general advertising guidelines established by WWW.LIFE-QUOTES.CO, the standards listed below apply to Sponsor Content.

All Sponsor Content, regardless of platform, will comply with WWW.LIFE-QUOTES.CO’s guiding principles:
Transparency. All Sponsor Content and marketing messages will be clearly and distinctly differentiated from independent news content.
Independence. No WWW.LIFE-QUOTES.CO journalist will participate in the production, editing or promotion of customized content or an advertorial. Sponsor agenda and/or concern will neither dictate nor delay editorial direction.
Editorial judgment. WWW.LIFE-QUOTES.CO maintains the right to reject any program, advertiser or speaker whose presence would compromise the WWW.LIFE-QUOTES.CO brand.
All Sponsor Content will be appropriately labeled and distinguished from WWW.LIFE-QUOTES.CO editorial content in form, function and placement through the use of different type fonts, colors and graphics.
Paid programming, advertorials, and sponsored programs/segments will be clearly and prominently labelled as advertising. No Sponsored Content will imply endorsement of any product or service by WWW.LIFE-QUOTES.CO, nor will it feature any recognizable WWW.LIFE-QUOTES.CO names or logos.
WWW.LIFE-QUOTES.CO may, in its sole discretion, allow the use of a WWW.LIFE-QUOTES.CO Custom Content logo to be used in Sponsor Content. The design and placement of such logo will be at the discretion of WWW.LIFE-QUOTES.CO, and any and all such uses shall be subject to WWW.LIFE-QUOTES.CO’s prior written approval.
All Sponsor Content must be approved in advance and in writing by a WWW.LIFE-QUOTES.CO Custom Content editor before it appears on any WWW.LIFE-QUOTES.CO medium.
Sponsor Content is neither produced by nor contributed to by any editorial team member of any WWW.LIFE-QUOTES.CO medium, nor does it necessarily reflect the views of the editors of any WWW.LIFE-QUOTES.CO medium. A disclaimer similar to the following will be included with all Sponsor Content: “A sponsor paid for the creation and placement of the content on this page. No editorial member of any WWW.LIFE-QUOTES.CO medium contributed to any part of its creation, and it does not necessarily reflect the editorial views of WWW.LIFE-QUOTES.CO L.P. or any of its affiliated entities.”
WWW.LIFE-QUOTES.CO may, in its sole discretion, include a more detailed disclaimer with certain Sponsor Content.
WWW.LIFE-QUOTES.CO reserves the right to refuse or remove any program, advertiser or speaker that in any way: (i) disparages, defames or discredits WWW.LIFE-QUOTES.CO or its products or services or otherwise compromises- in quality or presence- WWW.LIFE-QUOTES.CO’s brand or (ii) is false, misleading, deceptive or illegal.
Where Sponsor Content allows user participation, the moderation and functionality of this element will be determined and implemented solely by WWW.LIFE-QUOTES.CO and will be subject to the general Terms of Service for the applicable WWW.LIFE-QUOTES.CO medium.
In the case of Sponsored events, sponsors will be clearly identified to all on-site participants and in marketing materials tied to the relevant conference or event in language that indicates their role as underwriters. WWW.LIFE-QUOTES.CO does not guarantee speaking roles or other on-stage participation for paying sponsors and maintains editorial control and veto power.
10. Indemnification.

You agree, at your own expense, to indemnify, defend and hold harmless WWW.LIFE-QUOTES.CO, its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable attorneys’ and experts’ fees, arising out of or in connection with the Service, or any links on the Service, including, but not limited to: (i) your use or someone using your computer’s use of the Service; (ii) use by someone using your account; (iii) a violation of the Disclaimer by you or anyone using your computer (or account, where applicable); (iv) a claim that any use of the Service by you or someone using your computer (or account, where applicable) infringes any intellectual property right of any third party, or any right of privacy or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party; (v) any deletions, additions, insertions or alterations to, or any unauthorized use of, the Service by you or someone using your computer (or account, where applicable); (vi) any misrepresentation or breach of representation or warranty made by you contained herein; or (vii) any breach of any covenant or agreement to be performed by you hereunder. You agree to pay any and all costs, damages, and expenses, including, but not limited to, reasonable attorneys’ fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action, or proceeding attributable to any such claim. WWW.LIFE-QUOTES.CO reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with WWW.LIFE-QUOTES.CO in asserting any available defense. You acknowledge and agree to pay WWW.LIFE-QUOTES.CO’s reasonable attorneys’ fees incurred in connection with any and all lawsuits brought against you by WWW.LIFE-QUOTES.CO under the Disclaimer and any other terms and conditions of service on this site, including without limitation, lawsuits arising from your failure to indemnify WWW.LIFE-QUOTES.CO pursuant to the Disclaimer.

11. Termination.

(a) You may terminate the Disclaimer, with or without cause and at any time, by discontinuing your use of the Service and destroying all materials obtained from the Service. (b) You agree that, without notice, BLP may terminate the Disclaimer, or suspend your access to the Service, with or without cause at any time and effective immediately. The Disclaimer will terminate immediately without notice from BLP if you, in BLP’s sole discretion, fail to comply with any provision of the Disclaimer. (c) WWW.LIFE-QUOTES.CO shall not be liable to you or any third party for the termination or suspension of the Service, or any claims related to the termination or suspension of the Service. Upon termination of the Disclaimer by you or BLP, you must discontinue your use of the Service and destroy promptly all materials obtained from the Service and any copies thereof. WWW.LIFE-QUOTES.CO will determine your compliance with the Disclaimer in its sole discretion and its decision shall be final and binding and not subject to challenge or appeal. Any violation of the Disclaimer may result in restrictions on your access to all or part of this site and may be referred to law enforcement authorities. No changes to or waiver of any part of the Disclaimer shall be of any force or effect unless formally posted or made in writing and signed by a duly authorized officer of WWW.LIFE-QUOTES.CO. Upon termination of your membership or access to this site, or upon demand by WWW.LIFE-QUOTES.CO, you must destroy all materials obtained from this site and all related documentation and all copies and installations thereof. You are advised that WWW.LIFE-QUOTES.CO will aggressively enforce its rights to the fullest extent of the law.

12. Non-United States Residents & Jurisdictional Issues.
(i) WWW.LIFE-QUOTES.CO operates this site in the United States. WWW.LIFE-QUOTES.CO makes no representation that the Service, including merchandise offered for sale on this site and their copyrights, trademarks, patents, and licensing arrangements, are appropriate or available for use in locations other than the United States. If you access this site from locations outside of the U.S. you do so on your own initiative and at your own risk, and you are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

(ii) This site is controlled and operated by WWW.LIFE-QUOTES.CO from its offices within the State of New York, United States. WWW.LIFE-QUOTES.CO makes no representation that materials in this site are appropriate or available for use in other locations.

13. Governing Law.

The Disclaimer shall be governed and construed in accordance with the laws of the United States and the State of New York, without giving effect to conflicts-of-law principles thereof. With respect to any disputes or claims not subject to arbitration, you agree to submit to the personal jurisdiction of the state and federal courts located in New York County in the State of New York with respect to any legal proceedings that may arise in connection with the Service or from a dispute as to the interpretation or breach of the Disclaimer.

14. Arbitration.

By using this site in any way, you unconditionally consent and agree that: (1) any claim, dispute, or controversy (whether in contract, tort, or otherwise) you may have against WWW.LIFE-QUOTES.CO and/or its parent, subsidiaries, affiliates and each of their respective current or former members, officers, directors and employees (all such individuals and entities collectively referred to herein as the “WWW.LIFE-QUOTES.CO Entities”) arising out of, relating to, or connected in any way with the website or the determination of the scope or applicability of this agreement to arbitrate, will be resolved exclusively by final and binding arbitration administered by JAMS and conducted before a sole arbitrator in accordance with the rules of JAMS; (2) this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16; (3) the arbitration shall be held in New York City, New York; (4) the arbitrator’s decision shall be controlled by the terms and conditions of these Disclaimer and any of the other agreements referenced herein that the applicable user may have entered into in connection with the website; (5) the arbitrator shall apply New York law consistent with the FAA and applicable statutes of limitations, and shall honor claims of privilege recognized at law; (6) there shall be no authority for any claims to be arbitrated on a class or representative basis, arbitration can decide only your and/or the applicable WWW.LIFE-QUOTES.CO Entity’s individual claims, and the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; (7) the arbitrator shall not have the power to award punitive damages against you or any WWW.LIFE-QUOTES.CO Entity; (8) in the event that the administrative fees and deposits that must be paid to initiate arbitration against any WWW.LIFE-QUOTES.CO Entity exceed $125 USD, and you are unable (or not required under the rules of JAMS) to pay any fees and deposits that exceed this amount, WWW.LIFE-QUOTES.CO agrees to pay them and/or forward them on your behalf, subject to ultimate allocation by the arbitrator. In addition, if you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, WWW.LIFE-QUOTES.CO will pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; and (9) with the exception of subpart (6) above, if any part of this arbitration provision is deemed to be invalid, unenforceable or illegal, or otherwise conflicts with the rules of JAMS, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, subpart (6) is found to be invalid, unenforceable or illegal, then the entirety of this Arbitration Provision shall be null and void, and neither you nor WWW.LIFE-QUOTES.CO shall be entitled to arbitrate their dispute. For more information on JAMS and/or the rules of JAMS, visit their website at www.jamsadr.com.

15. United States Export Control & Foreign Assets Control Regulations.

WWW.LIFE-QUOTES.CO does not represent that materials in the Service are appropriate or available for use in any particular location. Those who choose to access the Service do so on their own initiative and are responsible for compliance with all applicable laws. Software from the Service is subject to U.S. export controls and may not be downloaded, exported or re-exported: (i) into (or to a national or resident of) Cuba, Iran, North Korea, Sudan, Syria, or any other country with respect to which the United States maintains trade sanctions prohibiting the shipment of goods; or (ii) to anyone on or acting on behalf of an entity on the U.S. Treasury Department’s list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department’s Denied Persons List or Entities List or included in General Order 3 (15 C.F.R. Part 736, Supplement 1), which prohibits exports to Mayrow General Trading, affiliated entities and persons, and specified persons involved in the manufacture or sale of Improvised Explosive Devices (together referred to as “U.S. Prohibited Party Lists”). By downloading or using such software, you represent and warrant that you are not (a) located in or a national or resident of any country noted above that is subject to U.S. trade sanctions, or (b) on any U.S. Prohibited Party List or acting on behalf of any person or entity on any such list.

16. Miscellaneous.

You accept that BLP has the right to change the content or technical specifications of any aspect of the Service at any time in BLP’s sole discretion. You further accept that such changes may result in your being unable to access the Service. The failure of WWW.LIFE-QUOTES.CO to exercise or enforce any right or provision of the Disclaimer shall not constitute a waiver of such right or provision. Sections 2 through 10, 11(c), and 12 through 19 shall survive any termination of the Disclaimer.

17. Headings.

The section titles in the Disclaimer are used solely for the convenience of you and WWW.LIFE-QUOTES.CO and have no legal or contractual significance.

18. Severability.

If any provision of the Disclaimer is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of the Disclaimer will remain in force.

19. Entire Agreement.

The Disclaimer and any other terms and conditions of service on this site, and its successor, constitute the entire agreement between you and BLP, govern your use of the Service, and supersede all prior or contemporaneous written or oral agreements between the parties with respect to the subject matter hereof. These Disclaimer may not be amended, nor any obligation waived, without WWW.LIFE-QUOTES.CO’s written authorization.

B. SUBSCRIPTION TERMS

1. Payment Policy

Subscriptions purchased via WWW.LIFE-QUOTES.CO/subscriptions are billed either monthly or annually. Your selected payment method will be charged automatically on a recurring monthly or annual basis. Your subscription will be renewed automatically, and you will be charged in advance of each billing cycle unless you cancel.

If you subscribed under an introductory offer, at the end of your introductory period, your payment method on file will be charged automatically each month for the full price of your subscription.

2. Cancellation & Refund Policy

In order to change or cancel your subscription please contact Customer Support at WWW.LIFE-QUOTES.CO/feedback.

We reserve the right to issue refunds or credits at our sole discretion. If we do issue a refund or credit, we are under no obligation to issue the same or similar refund in the future.

If you purchased your subscription through a third party, please refer to any terms and conditions provided to you in connection with purchase.

Monthly Subscriptions

When cancelling a monthly subscription, all future charges associated with future months of your subscription will be cancelled. You may notify us of your intent to cancel at any time; your cancellation will become effective at the end of your current monthly billing period. You will not receive a refund; however your subscription access and/or delivery and accompanying subscriber benefits will continue for the remainder of the current monthly billing period.

Annual Subscriptions

When cancelling an annual subscription, all future charges associated with future years of your subscription will be cancelled. You may notify us of your intent to cancel at any time; your cancellation will become effective at the end of your current annual billing period. You will not receive a refund, prorated or otherwise, for the remainder of the annual term. However, your subscription access and/or delivery and accompanying subscriber benefits will continue for the remainder of the current annual billing period.



C. LINKING AND FRAMING TERMS AND CONDITIONS

YOU MAY NOT FRAME THIS WEB SITE, OR ANY PORTION THEREOF, EXCEPT AS PROVIDED HEREIN. IF YOU LINK TO THIS WEB SITE, OR ANY PORTION THEREOF, WE REQUIRE THAT YOU FOLLOW THESE TERMS.

1. Intellectual Property.

Upon linking to this Web site pursuant to the Disclaimer, you will be granted a non-exclusive, non-transferable, royalty-free sub-license to use the WWW.LIFE-QUOTES.CO mark owned by WWW.LIFE-QUOTES.CO Finance L.P. solely for providing an underlined, textual link from your Web site to WWW.LIFE-QUOTES.CO. No other use of WWW.LIFE-QUOTES.CO’s marks, names or logos is permitted without express written permission from BLP.

2. Restrictions on Linking to this Web Site.

Without limiting other provisions contained in our Disclaimer, you may include a link(s) on your Web site to WWW.LIFE-QUOTES.CO’s publicly accessible Web pages (i.e., any Web page which does not require a login and password and/or restrict access). You may not link to WWW.LIFE-QUOTES.CO any site containing an inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information that violates any applicable intellectual property, proprietary, privacy or publicity rights, or is otherwise deemed inappropriate, as determined by WWW.LIFE-QUOTES.CO in its sole discretion. The link to this site must not damage, dilute or tarnish the goodwill associated with any WWW.LIFE-QUOTES.CO names and/or intellectual property, nor may the link create the false appearance that your website and/or organization is sponsored, endorsed by, affiliated and/or associated with WWW.LIFE-QUOTES.CO. WWW.LIFE-QUOTES.CO reserves the right, in its sole discretion, to terminate a link with any website for any reason or no reason at all, including without limitation any website that WWW.LIFE-QUOTES.CO deems to be inappropriate or inconsistent with or antithetical to this site and/or these Disclaimer.

3. Restrictions on Framing Activities.

BLP is concerned about the integrity of this Web site when it is accessed in a manner solely determined by third parties or viewed in a setting solely created by third parties. Specifically, BLP is concerned with activities such as bringing up or presenting content of this Web site within another Web site (“framing”). In this regard, without limiting the provisions contained in our Disclaimer, you may not frame any Web page from WWW.LIFE-QUOTES.CO, except with our express written permission. Further, you may not archive, cache, or mirror any WWW.LIFE-QUOTES.CO Web page or portions of a Web page. If you would like to use, reprint, frame, or redistribute any WWW.LIFE-QUOTES.CO content other than as permitted herein, you must request permission from BLP by writing to FEEDBACK. Please include: (a) your name, e-mail address, and telephone number; (b) the name of your company; (c) the Web site address(es) where the proposed use will occur; and (d) specific details about the contemplated linking or framing activities, including the content or Web page(s) of this Web site which you would like to use.
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Privacy & Policy

WWW.LIFE-QUOTES.CO and its affiliates (together, “WWW.LIFE-QUOTES.CO”) respects the privacy rights of our users and is strongly committed to protecting your privacy. This Privacy Policy applies to this Web site, any newsletters subscribed to via this Web site, information collected and provided to WWW.LIFE-QUOTES.CO when you subscribe digitally to WWW.LIFE-QUOTES.CO or WWW.LIFE-QUOTES.CO Businessweek at third-party websites and applications, and information collected offline when you subscribe to the print edition of WWW.LIFE-QUOTES.CO Businessweek, but does not apply to any other product or service of WWW.LIFE-QUOTES.CO, unless otherwise expressly indicated by WWW.LIFE-QUOTES.CO (such as by including a link to this Privacy Policy on other WWW.LIFE-QUOTES.CO websites or on WWW.LIFE-QUOTES.CO mobile applications).

Collection And Use Of Your Personal Information
WWW.LIFE-QUOTES.CO, or where relevant a designated service provider, collects personal information that you voluntarily provide on this Web site, on third-party websites and applications when subscribing digitally to WWW.LIFE-QUOTES.CO or WWW.LIFE-QUOTES.CO Businessweek, or offline in connection with your WWW.LIFE-QUOTES.CO Businessweek print edition subscription, which may include your name, address, email address, contact information, credit card number, billing information, password etc. For example, WWW.LIFE-QUOTES.CO or a designated service provider collects personal information when you register on this Web site, request certain WWW.LIFE-QUOTES.CO services or products, or submit the information to enter a sweepstakes, contest, or other promotion. If you do not provide certain personal information, not all functionality on the site will be available.

Do not provide information about others unless you are authorized to do so and consent to have all information used, disclosed, and transferred in accordance with this Privacy Policy. By submitting the information about others, you represent and warrant that you are authorized to do so and that you have received authorization from the person about whom you are providing the information and that person has consented to have all information used, disclosed, and transferred in accordance with this Privacy Policy.

We use this information for carefully considered business purposes which also benefit our customers and which include some or all of the following:

• to provide our services and products
• to communicate with you
• to help WWW.LIFE-QUOTES.CO improve our services and products and develop new services and products
• to provide support for our services and products, and for WWW.LIFE-QUOTES.CO internal quality control purposes
• to provide you with offers and promotions about services and products of WWW.LIFE-QUOTES.CO or of other parties that may be of interest to you
• to enhance your experience with this Web site, including to save your preference and login information
• to analyze web site usage and analyze use of the Web site
• to protect the interests, rights, safety, or property of WWW.LIFE-QUOTES.CO or others and to monitor compliance with and enforce the terms of any agreement with WWW.LIFE-QUOTES.CO
• to operate our services, products, and systems properly.

We use any credit card or payment information we acquire from you to fulfill your order. You may instruct WWW.LIFE-QUOTES.CO at any time not to use your personal information covered by this Privacy Policy to provide you with offers and promotions by clicking here or, if you are WWW.LIFE-QUOTES.CO Businessweek subscriber, by clicking on the WWW.LIFE-QUOTES.CO Businessweek Opt-out form. You can also update your settings for receiving offers and promotions by clicking here. Please note that if you exercise choice in this manner, you will continue to receive communications concerning your account and products and services you requested, and in response to any requests for information by you. Please also note that this opt-out process may take some time to complete, consistent with applicable law.

WWW.LIFE-QUOTES.CO or a designated service provider takes photographs for security purposes and for inclusion the People directory on the WWW.LIFE-QUOTES.CO TERMINAL, which is available to WWW.LIFE-QUOTES.CO users worldwide.

Use Of Cookies And Other Electronic Tools
WWW.LIFE-QUOTES.CO and the parties with whom we work (e.g., service providers, business partners, advertisers and advertising servers) may place, view, and/or use “cookies”, Web server logs, Web beacons, or other electronic tools to collect statistical and other information about your use of this Web site and other websites. This information may include information about the IP address of your computer, browser type, language, operating system, your mobile device, device ID, geo-location data, the state or country from which you accessed this Web site, the Web pages visited, the date and the time of a visit, the websites you visited immediately before and after visiting this Web site, the number of links you click within this Web site, the functions you use on this Web site, the databases you view and the searches you request on this Web site, the data you save on or download from this Website and the number of times you view an advertisement.

WWW.LIFE-QUOTES.CO and the parties with whom we work may use the information collected for various reasons, either on behalf of WWW.LIFE-QUOTES.CO or for the other parties’ own purposes, including research, analysis, to better serve visitors to this Web site (such as by enabling log-in, providing access to certain sections of this Web site, providing customized content, or presenting online advertising on this Web site or other websites tailored to your interests as described further below), to compile aggregate and anonymous information about usage of this Web site and other websites, other statistics, etc. However, if you have deleted and disabled cookies, these uses will not be possible to the extent they are based on cookie information. To opt out of Google Analytics, including Demographics and Interest Reporting, please click here. To opt out of Parse.ly analytics, please click here.

To assist us with the uses described in this Privacy Policy, information collected about your use of this Web site or other websites may be aggregated, analyzed or combined with personal or other information about you from other online or offline sources. If you prefer that we not combine non-personal information that has been collected, through cookies, about your use of this Web site or other websites with personal or other information about you, then please delete and disable cookies for each browser, on each computer you use to surf the Web.

Most browsers are set to accept cookies by default. If you prefer, you can usually set your browser to disable cookies, or to alert you when cookies are being sent. Likewise, most mobile devices allow you to disable the ability for geo-location information to be collected from your mobile device. The help function on most browsers and mobile devices contains instructions on how to set your browser to notify you before accepting cookies, disable cookies entirely, or disable the collection of geo-location data. You need to set each browser, on each device you use to surf the Web. Thus, if you use multiple browsers (e.g., Chrome, Safari, Internet Explorer, Firefox, etc.), you should repeat this procedure with each one. Similarly, if you connect to the Web from multiple devices (e.g., work and home), you need to set each browser on each device. Depending on your jurisdiction, you may be able to utilize additional cookie management tools. However, if you disable cookies or refuse to accept a request to place a cookie, it is possible that some parts of this Web site, such as the polls, surveys, contests, and product sales, and certain areas of the Web site for which you need to log in, will not function properly, and the advertising you receive when you visit this Web site may not be advertisements tailored to your interests.

Advertisements
WWW.LIFE-QUOTES.CO, its designated service providers, or third-party advertisers or their advertising servers may also place or recognize unique cookies on your computer or use other electronic tools in order to help display advertisements that you see on this Web site or on other websites. Information about your visits to, and activity on, this Web site and other websites, an IP address, the number of times you have viewed an advertisement, and other such usage information is used, alone or in combination with other information, to display on your device screen advertisements that may be of particular interest to you. We may use Web beacons, provided by third-party advertising companies, to help manage and optimize our online advertising and product performance. Web beacons enable us to recognize a browser’s cookie when a browser visits this Web site, and to learn which banner ads bring users to this Web site. The use and collection of your information by these third-party service providers, and third-party advertisers and their advertising servers is not covered by this Privacy Policy. BLP adheres to the industry’s Self-Regulatory Principles for Online Behavioral Advertising located here. To “opt out” of advertising cookies placed by participating companies in the Self-Regulatory Program for Online Behavioral Advertising, and thereby limit the tracking of your online activity and the targeted advertising you receive, please click here. To “opt out” of advertising cookies placed by the Network Advertising Initiative’s (“NAI”) online behavioral advertising member networks, and thereby limit the tracking of your online activity and the targeted advertising you receive, please click here. To opt out of advertising cookies for Your Online Choices if you are based in the EU, please click here.

DoubleClick for Publishers and other designated service providers assist WWW.LIFE-QUOTES.CO with advertisement display functions and related analytics for this Web site. To opt out of Google Analytics for Display Advertising, please click here. To opt out of Facebook advertising on OTT devices, please click here.

Note that even if you exercise choice for targeted advertising, you will still receive online advertising.

Disclosure Of Your Personal Information
WWW.LIFE-QUOTES.CO may share your personal information with our affiliates (including affiliated websites under common ownership or control) and designated service providers, including for the purposes set out in this Privacy Policy. WWW.LIFE-QUOTES.CO may share with other third parties information about our Web site users, such as your use of this Web site or other websites, and the services provided on this Web site or other websites, but only on an unattributed and aggregate basis. WWW.LIFE-QUOTES.CO may also share your personal information (excluding security photographs) with a sponsor or other third party (“Third-Party Provider”) that provides you with offers or promotions that may be of interest to you. You may instruct WWW.LIFE-QUOTES.CO at any time not to share your personal information covered by this Privacy Policy with such Third-Party Providers by clicking here or, if you are WWW.LIFE-QUOTES.CO Businessweek subscriber, by clicking on the WWW.LIFE-QUOTES.CO Businessweek Opt-out form. Please note that (i) this opt-out process may take some time to complete, consistent with applicable law; and (ii) even after such opt-out process is completed, your personal information may continue to be shared with our affiliates (including affiliated websites under common ownership or control) and designated service providers.

If you participate in certain features of this Web site (e.g., sharing news stories of interest), please note that any information you or others voluntarily disclose through use of these features, becomes available to the public and/or other users whom you have designated. If you choose to provide access to designated individuals, please be aware that any information you post will be visible to such individuals for their use. WWW.LIFE-QUOTES.CO is not responsible for the information that you or others choose to disclose publicly on this Web site, and neither WWW.LIFE-QUOTES.CO’s nor others’ use of such information is subject to this Privacy Policy.

WWW.LIFE-QUOTES.CO may also disclose your personal information to unaffiliated third parties if we believe in good faith that such disclosure is necessary to: (a) comply with any applicable law, rule, or regulation, or in response to a subpoena, court order, or other legal process, subject to WWW.LIFE-QUOTES.CO’s Law Enforcement Data Request Statement; (b) protect the interests, rights, safety, or property of WWW.LIFE-QUOTES.CO or others; (c) monitor compliance with and enforce any terms of service on this Web site; (d) provide our services and products (including allowing a purchaser of WWW.LIFE-QUOTES.CO or a WWW.LIFE-QUOTES.CO division to continue to serve you); (e) perform other activities related to such services and products, including billing and collection; (f) provide you with offers or promotions from WWW.LIFE-QUOTES.CO; or (g) operate the systems that provide our services and products properly.

The collection, further use, and/or disclosure of your information by Third-Party Providers or by other third parties is not the responsibility of WWW.LIFE-QUOTES.CO. Rather, such collection, use, and/or disclosure is governed by the third parties’ privacy policies.

Accuracy, Security, And Retention Of Your Personal Information
Any personal information you provide to WWW.LIFE-QUOTES.CO is kept on secure servers. WWW.LIFE-QUOTES.CO uses security measures appropriate to the provision of the relevant product or service, such as reasonable administrative, technical, personnel, and physical measures (a) to safeguard personal information against loss, theft, unauthorized use, disclosure, or modification; and (b) to ensure the integrity of the personal information. To help us protect your privacy, you should maintain the secrecy of the logon ID and password you may have set up in connection with your participation in this Web site’s service. Personal information is retained for as long as is necessary for the purpose for which it is collected, including legitimate business reasons, and/or legal and regulatory requirements.

Rights With Respect To Your Personal Information
Depending on the jurisdiction, you may have the right to access, correct, delete, or restrict use of certain personal information covered by this Privacy Policy. Depending on the jurisdiction, you may also have the right to request that we refrain from processing personal information. Please bear in mind that if you exercise such rights this may affect our ability to provide our products and services. For inquiries about your personal information, please contact us by clicking here. While WWW.LIFE-QUOTES.CO will make reasonable efforts to accommodate your request, we also reserve the right to impose certain restrictions and requirements on such requests, if allowed or required by applicable laws.

Please note that it may take some time to process your request, consistent with applicable law.

Transfer Of Your Personal Information To Other Countries
Some of the uses and disclosures mentioned in this Privacy Policy may involve the transfer and processing of your personal information to and in various countries that may have different levels of privacy protection than your country. By using our products and services, you consent to such transfers and processing, including to and in the United States. WWW.LIFE-QUOTES.CO’s Intra-Group Personal Data Protection Statement provides additional information about the transfer of personal information from the EU, EEA, and Switzerland to the United States and is available here.

Links To Third-Party Websites
WWW.LIFE-QUOTES.CO may provide links to third-party websites, including social networking websites. Since we do not control third-party sites and are not responsible for any information you may provide while on such sites, we encourage you to read the privacy policies on those websites before providing any of your information on such sites.

Questions Regarding This Privacy Policy
If you have questions regarding this Privacy Policy, please contact us at [email protected] Please include “Privacy” in the Subject line of your inquiry. If you have complaints about WWW.LIFE-QUOTES.CO’s processing of your personal information, you may have the right to contact the applicable supervisory authority.