Disclaimer – Insurance Snoopers App

Insurance Snoopers: Terms
and Conditions

By Signing up, you are agreeing and accepting Insurance
Snoopers© User’s Agreement, Terms & Conditions, and Disclaimers

I AGREE TO ALL TERMS AND CONDITIONS MENTIONED HEREIN FOR MY
ACCESS TO THE Insurance Snoopers, Inc.’s APP & WEB-BASED SERVICES HEREINAFTER REFERRED TO AS “ISI” AND RETURN ME TO THE ISI HOME
PAGE

I DISAGREE AND RETURN ME TO THE ISI HOME PAGE

User’s Agreement

The mission of Insurance Snoopers, Inc.© [ISI], is to provide
easy-to-understand insurance coverage information/education/comparison to auto mobile drivers and drivers seeking to understand
auto insurance protection in California through an app, a web site, or a site
hereinafter referred to as “web-based services”.

The information contained in our web-based services is read and
information only, which is available on-line, through the office of The
Insurance Commissioner of the State of California, and from web-based services of the more than 150 auto insurers licensed and doing business in the State of California. These lists by line of insurance display all insurers writing at
least $50,000.00 of premium volume in the last year, and providing in most
instances policy data on at least one auto program reported to the California
Department of Insurance.

The information provided is equally available to all consumers
by visiting the sites described above. ISI seeks only to draw those sites and
the information contained therein together for our subscribers to make the task
of policy review and comparison easier and available on one, rather than
hundreds of web-based services.

Insurance Snoopers, Inc. is not providing you
as user/viewer with insurance advice or agent or brokerage services. We are
providing access to a database to compare insurance products and services. We
are not providing you advice on the extent of coverage or the limits of
coverage you should obtain. These items are choices you must make based on your
own insurance needs.

ISI does not validate the content contained in our web-based
services, nor the accuracy of the information and data provided. The
information is gathered from the above locations, and ISI is not responsible
for the content or neither the accuracy of the reported information provided by
either the Insurance Commissioner nor the web-based services of the insurance
carriers.

ISI does not endorse any insurance carrier, which is identified
in our web-based services, but provides data from the auto insurance companies
to permit our subscribers to compare coverage and benefits available from each
of the policies from each of the companies.

ISI does not offer an opinion on the nature of the insurance
products provided, or an opinion on which if any of the coverage offered by
the California Insurance Companies should be obtained by our subscribers.

ISI does not offer an opinion on the claims handling practices
of any of the insurance companies identified in our web-based services. Claims
practices may vary from company to company and even vary within one company
from one claims office to another.

ISI is not responsible if a company identified in our web-based
services does not provide the service described or the benefit described in
this web-based services. The listings of and comparisons of the coverage
provided in the ISI web-based services are not guaranteed by ISI to exist or to
be provided by the companies listed herein. It is up to our subscribers to
contact the companies that they are interested in and to confirm the
availability of the coverage and benefits described herein.

ISI is not responsible to our subscribers if a company does not
provide the coverage identified in our web-based services.

ISI is not responsible to our subscribers if a company does not
provide an amount of a benefit or coverage as identified in our web-based
services.

ISI is not responsible to our subscribers if a company does not
provide the all coverage and information, including amendment of policy
provisions for California, endorsements, etc. within their basic automobile
policy jacket.

ISI disclaims any liability for any injuries or damages incurred
by any of our subscribers as a result of an insurance selection by any of our
subscribers based on any of the data, information, benefits, or coverage
described in our web-based services.

I agree that I am responsible for the choices I make based on my
review of the material provided in this web-based services. I agree that ISI is
not responsible to me for any of the choices I make after reviewing the
information provided by this web-based services.

I agree to indemnify and hold harmless ISI and its shareholders
and employees as against any claims for damage in any way related to my
observation, participation, or insurance coverage selected based on my review
of the information provided by this web-based services.

To access the web-based services, you hereby agree to these
terms and conditions and the below disclaimer.

This web-based services are designed for read and general
information only. The information presented at this site should not be
construed to be either formal legal or business advice or the formation of a
lawyer/client, or business/client, relationship.

You are viewing a web-based services created with ISI
technology. You must accept ISI terms of service noted throughout this User’s
Agreement, Disclaimer, Terms, and Conditions, in order to use any of the ISI
services, including the viewing of or interaction with any web page herein or web-based
services hosted by ISI or created by its technology. You can accept the User’s
Agreement, Disclaimer, Terms, and Conditions by:

• Clicking to accept the Agreement, Disclaimer, Terms and
Conditions, where this option is made available to you by ISI in the user
interface for any service therein; or

• By actually viewing and/or using the services

In either case, you understand and agree that ISI shall deem
your use of the services as acceptance of the User’s Agreement, Disclaimer,
Terms, and Conditions from the point of your use onwards.

Even though ISI makes every attempt to provide accurate and
useful information, ISI does not represent or endorse the accuracy or
reliability of any of the information, content, or advertisements contained on,
distributed through, or linked, downloaded or accessed from any of the services
contained on this web-based services. The materials displayed on this web-based
services are for read and informational purposes only and are not intended to
be construed or implied as insurance, tax, or financial advice. Any special
advice you may need should be directed to your insurance company, insurance
agent, independent broker and/or insurance producer, accountant, or financial
advisor. You hereby acknowledge that any reliance upon any materials within the
Insurance Snoopers, Inc. web-based services for decisions made by yourself, are
made at your own sole risk and discretion and you take full responsibility for
your actions.

Insurance Snoopers, Inc. EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES,
EXPRESS, OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY
AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY
MATERIALS AND PRODUCTS. IN NO EVENT SHALL INSURANCE SNOOPERS, INC., ITS
PARTNERS, ITS OWNERS OR ANY PERSON OR PERSONS ASSOCIATED WITH INSURANCE
SNOOPERS, INC. BE HELD LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE,
OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE,
THE MATERIALS, INSURANCE PROGRAMS, AND ANY PRODUCTS PROVIDED.

Terms and Conditions – Part 1

The user/viewer of the ISI’s services and web-based services
agrees to the following terms and conditions:

· The information provided on the ISI blog service site are
gathered opinionated answers from third party Internet blogged sources of ‘best
answer’ blogged information. The answers offered are not the opinions of ISI,
as the ISI service only offers the user/viewer basic information that other
policyholders might have and the blogged answers must not be construed as legal
opinions or providing legal advice by ISI.

· No special relationship exists between user and ISI. ISI
does not advise, guide, or direct the user/viewer about insurance matters. ISI
does not receive other compensation apart from the user’s annual subscription
fee. Furthermore, no interaction exists between the user/viewer and ISI
regarding coverage questions of the user/viewer, as the user/viewer agrees not
to rely upon the ISI web-based services information or any perceived expertise
of ISI to make a decision about acquiring insurance coverage. Additionally, the
user’s/viewer’s frequent use of the web-based services does not put ISI on
notice that the ISI web-based services information is being considered by that
user/viewer as providing any legal advice being sought and/or relied upon.

· ISI services are not to be construed by the user/viewer as a
back-up or replacement for an insurance company’s representative, an agent,
independent insurance broker, or producer.

1. Our Policy

1.1 It is our policy to respond to clear notices of alleged
copyright infringement.

(a) This page describes the information that should be present
in these notices.

(b) It is designed to make submitting notices of alleged
infringement to us as straightforward as possible while reducing the number of
notices that we receive that is fraudulent or difficult to understand or
verify.

(c) The form of notice specified below is consistent with the
form suggested by the United States Digital Millennium Copyright Act (the text
of which can be found at the U.S. Copyright Office web-based services, www.copyright.gov),
but we will respond to notices of this form from other jurisdictions as well.

1.2 Regardless of whether we may be liable for such infringement
under local country law or United States law, our response to these notices may
include removing or disabling access to material claimed to be the subject of
infringing activity and/or terminating subscribers.

(a) If we remove or disable access in response to such a notice,
we will make a good-faith attempt to contact the owner or administrator of the
affected site or content so that they may make a counter notification.

(b) We may also document notices of alleged infringement on
which we act.

2. Copyright Infringement Notification

2.1 To file a notice of infringement with us, you must provide a
written communication (by regular mail — not by email, except by prior
agreement) that sets forth the items specified below.

(a) Please note that you will be liable for damages (including
costs and attorneys’ fees) if you materially misrepresent that a product,
service, or activity is infringing your copyrights.

(b) In a recent case, a company that sent an infringement
notification seeking removal of online materials that were protected by the
fair use doctrine was ordered to pay such costs and attorney’s fees. The
company agreed to pay over $100,000. Ref: Link

2.2 Accordingly, if you are not sure whether material available
online infringes your copyright, we suggest that you first contact an attorney.

2.3 To expedite our ability to process your request, please use
the following format (including section numbers):

(a) Identify in sufficient detail the copyrighted work that you
believe has been infringed upon. For example, “The copyrighted work at
issue is the image that appears on
http://john-doe-lawyer-Dallas.TX-npw.com” or other information sufficient
to specify the copyrighted work being infringed. For example, “The
copyrighted work at issue is “Solomon’s Song of Love” by Dr. Craig
Glickman, published by Howard Publishing, ISBN #1-58229-376-7.

(b) Identify the material that you claim is infringing the
copyrighted work listed in item “(a)” above.

(i) YOU MUST IDENTIFY EACH ALLEGED COPYRIGHT INFRINGEMENT YOU
ARE CLAIMING BY PROVIDING A DIRECT LINK TO A WEB PAGE THAT CONTAINS THE
INFRINGING MATERIAL IN QUESTION.

(ii) This requires you to provide the URL for each alleged
copyright infringement that identifies the specific posts, as opposed to entire
web-based services.

(c) Provide information reasonably sufficient to permit
Insurance Snoopers, Inc. to contact you (email address is preferred).

(d) Provide information, if possible, sufficient to permit
Insurance Snoopers, Inc. to notify the owner/administrator of the allegedly
infringing web page or other content (email address is preferred).

(e) Include the following statement: “I have a good faith
belief that use of the copyrighted materials described above as allegedly
infringing is not authorized by the copyright owner, its insurance company,
insurance agent, independent broker and/or insurance producer, or the
law.”

(f) Include the following statement: “I swear, under
penalty of perjury, that the information in the notification is accurate and
that I am the copyright owner or am authorized to act on behalf of the owner of
an exclusive right that is allegedly infringed.”

(g) Sign the paper.

(h) Send the written communication by the following method:

Mail to: Insurance Snoopers, Inc., Attn: Insurance Snoopers,
Inc., Legal Support, Insurance Snoopers, Inc., Complaints, 2400 North
Lincoln Avenue, Altadena, CA 91001.

3. Counter Notification

3.1 The administrator of an affected site or the provider of
affected content may make a counter notification pursuant to sections 512(g)(2)
and (3) of the Digital Millennium Copyright Act.

3.2 When we receive a counter notification, we may reinstate the
material in question. To file a counter notification with us, you must provide
a written communication (by regular mail — not by email, except by prior
agreement) that sets forth the items specified below.

3.3 Please note that you will be liable for damages (including
costs and attorneys’ fees) if you materially misrepresent that a product or
activity is not infringing the copyrights of others.

3.4 Accordingly, if you are not sure whether certain material
infringes the copyrights of others, we suggest that you first contact an
attorney.

3.5 To expedite our ability to process your counter
notification, please use the following format (including section numbers):

(a) Identify the specific URLs or other unique identifying
information of material that Insurance Snoopers, Inc. has removed or to which
Insurance Snoopers, Inc. has disabled access.

(b) Provide your name, address, telephone number, email address,
and a statement that you consent to the jurisdiction of the Federal District
Court for the judicial district in which your address is located, and that you
will accept service of process from the person who provided notification under
subsection (c)(1)(C) or an insurance company, insurance agent, independent
broker and/or insurance producer of such person.

(c) Include the following statement: “I swear, under
penalty of perjury, that I have a good faith belief that each search result,
message, or other item of content identified above was removed or disabled as a
result of a mistake or misidentification of the material to be removed or
disabled, or that the material identified by the complainant has been removed
or disabled at the URL identified and will no longer be shown.”

(d) Sign the paper.

(e) Send the written communication by the following method:

Mail to: Insurance Snoopers, Inc., Attn: Insurance Snoopers,
Inc., Legal Support, Insurance Snoopers, Inc., DMCA Complaints, 2400 North
Lincoln Avenue, Altadena, CA 91001.

Account Termination

4.1 Many ISI services do not have account holders or
subscribers.

(a) For services that do, ISI will, in appropriate
circumstances, terminate repeat infringers.

(b) If you believe that an account holder or subscriber is a
repeat infringer, please follow the instructions above to contact Insurance
Snoopers, Inc. and provide information sufficient for us to verify that the
account holder or subscriber is a repeat infringer.

Payment System Software 1. Taxes

1.1 ISI and its affiliated companies may use Payment System
Software (“PSS”) provided by a third-party or third-parties.

(a) Such PSS may be used to accept payments from Clients and
Affiliates (hereinafter “PSS Customers”) for web-based services
subscriptions and to make payments to Affiliates.

(b) The prices for such PSS services are exclusive of taxes.

(c) Clients and/or Affiliates shall pay (and ISI, its affiliated
companies and any third-party providers shall have no liability for), any
taxes, tariffs, duties and other charges or assessments imposed or levied by
any government or governmental agency in connection with its PSS services,
including, without limitation, any federal, provincial, state and local sales,
use, goods and services, value-added and personal property taxes on any
payments due ISI, its affiliated companies and any third-party providers in
connection with the PSS services provided hereunder, except for tax based
solely on the net income, if any, for ISI, its affiliated companies and any
third-party providers.

(d) ISI, its affiliated companies and any third-party providers
are each responsible respectively for any tax based on their own net profits,
if any, from PSS services.

2. Warranties and Disclaimers

2.1 Quality of Services

ISI warrants that it will make good faith efforts to insure that
the third-party provider(s)’ PSS services will substantially conform to
industry standards.

(b) For any breach of this warranty or the failure of the
third-party provider to perform services (a “Claim”), PSS Customer’s
sole and exclusive remedy and Insurance Snoopers, Inc.’s entire obligation
shall be to require the third-party provider to perform or re-perform the
services that are the subject of the Claim. The remedies in this Section 2.1(b)
are expressly in lieu of any or all other remedies, which may be available to
PSS Customer resulting from the furnishing, the failure to furnish or the
quality of any service. Insurance Snoopers, Inc., and its affiliated companies
(and any third-party providers), do not warrant the accuracy of any data or
information furnished to PSS Customer that is created from PSS Customer Data, PSS
Customer Systems or software supplied by PSS Customer unless expressly agreed
to in writing.

2.2 Warranty Disclaimer

(a) EXCEPT AS EXPRESSLY PROVIDED HEREIN, ISI AND ITS AFFILIATED
COMPANIES (AND ANY THIRD-PARTY PROVIDERS) EXPRESSLY DISCLAIM ANY AND ALL
REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND OR NATURE, EXPRESS OR
IMPLIED, INCLUDING WITHOUT LIMITATION, REPRESENTATIONS, WARRANTIES AND
CONDITIONS OF SATISFACTORY QUALITY, PERFORMANCE, MERCHANTABILITY, MERCHANTABLE
QUALITY, DURABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND THOSE ARISING
BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USE OF TRADE.

(b) ISI AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY
PROVIDERS) DO NOT REPRESENT OR WARRANT THAT THE SERVICES OR THE APPLICATION
SERVICE WILL MEET PSS CUSTOMER’S BUSINESS REQUIREMENTS; THE SERVICES OR
APPLICATION SERVICE WILL BE ERROR-FREE OR UNINTERRUPTED OR THAT THE RESULTS
OBTAINED FROM ITS USE WILL BE ACCURATE OR RELIABLE; OR THAT ALL DEFICIENCIES IN
THE SERVICES OR APPLICATION SERVICE CAN BE FOUND OR CORRECTED. FURTHER, THE
APPLICATION SERVICE MAY BE INTERRUPTED OR UNAVAILABLE FOR THE PURPOSES OF
PERFORMING MAINTENANCE OR UPGRADES.

(i) SERVICE IMPAIRMENTS CAUSED BY ACTS WITHIN THE CONTROL OF PSS
CUSTOMER OR ANY AUTHORIZED USER.

(ii) INTEROPERABILITY OF SPECIFIC PSS CUSTOMER APPLICATIONS OR
EQUIPMENT.

(iii) INABILITY OF PSS CUSTOMER TO ACCESS OR INTERACT WITH ANY
OTHER SERVICE PROVIDER THROUGH THE INTERNET, OTHER NETWORKS OR USERS THAT
COMPRISE THE INTERNET OR THE INFORMATIONAL OR COMPUTING RESOURCES AVAILABLE
THROUGH THE INTERNET.

(iv) INTERACTION WITH OTHER SERVICE PROVIDERS, NETWORKS, USERS
OR INFORMATIONAL OR COMPUTING RESOURCES THROUGH THE INTERNET.

(v) SERVICE PROVIDED BY OTHER SERVICE PROVIDERS.

(vi) PERFORMANCE IMPAIRMENTS CAUSED ELSEWHERE ON THE INTERNET.

(c) PSS CUSTOMER IS RESPONSIBLE FOR TAKING PRECAUTIONARY
MEASURES TO PREVENT THE LOSS OR DESTRUCTION OF PSS CUSTOMER DATA AND DATABASES
SUCH AS, FOR EXAMPLE, MAKING REGULAR BACKUPS AND VERIFYING THE RESULTS OBTAINED
FROM USING THE APPLICATION SERVICE AND SOFTWARE, AND INSURANCE SNOOPERS, INC.
AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY PROVIDERS) SHALL HAVE NO
OBLIGATIONS OR LIABILITY WHATSOEVER WITH RESPECT TO ANY SUCH LOSS OR
DESTRUCTION.

2.3 LIMIT OF LIABILITY

(a) FOR ANY BREACH OR DEFAULT BY ISI OF ANY OF THE PROVISIONS OF
THIS AGREEMENT, OR WITH RESPECT TO ANY CLAIM ARISING HEREFROM OR RELATED
HERETO, INSURANCE SNOOPERS, INC.’S ENTIRE LIABILITY, REGARDLESS OF THE FORM OF
ACTION, WHETHER BASED ON CONTRACT OR TORT, INCLUDING NEGLIGENCE, SHALL IN NO
EVENT EXCEED ANY OF THE FOLLOWING: THE FEES PAID TO THE THIRD-PARTY PROVIDER BY
PSS CUSTOMER IN THE CALENDAR YEAR IN RESPECT OF WHICH THE CAUSE OF ACTION FIRST
AROSE EVEN IF THE CAUSE OF ACTION IS A CONTINUING ONE, OR IN THE AGGREGATE WITH
RESPECT TO ALL CLAIMS MADE UNDER OR RELATED TO THIS AGREEMENT, THE AMOUNT PAID
BY PSS CUSTOMER.

(b) IN NO EVENT WILL ISI AND ITS AFFILIATED COMPANIES (AND ANY
THIRD-PARTY PROVIDERS) BE LIABLE FOR SPECIAL, INCIDENTAL, INDIRECT, OR
CONSEQUENTIAL LOSS OR DAMAGE, LOST BUSINESS REVENUE, LOSS OF PROFITS, LOSS OF
DATA, LOSS OF COVER, DAMAGES FOR DELAY, PUNITIVE OR EXEMPLARY DAMAGES, FAILURE
TO REALIZE EXPECTED PROFITS OR SAVINGS OR ANY CLAIM AGAINST PSS CUSTOMER BY ANY
OTHER PERSON, EVEN IF THE THIRD-PARTY PROVIDER (AND ISI AND ITS AFFILIATED
COMPANIES) HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH LOSSES OR DAMAGES.

(c) ISI AND ITS AFFILIATED COMPANIES (AND ANY THIRD-PARTY
PROVIDERS) SHALL NOT BE LIABLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION, THEFT,
LOSS OR DESTRUCTION OF ANY DATA, EQUIPMENT OR SERVICES, INCLUDING WITHOUT
LIMITATION THROUGH ACCIDENT, FRAUDULENT MEANS OR DEVICES, OR ANY OTHER METHOD.

(d) ISI AND ITS AFFILIATED COMPANIES SHALL BE LIABLE TO PSS
CUSTOMER AS EXPRESSLY PROVIDED IN THIS AGREEMENT BUT IT (AND ANY THIRD-PARTY
PROVIDERS) SHALL HAVE NO OTHER OBLIGATION, DUTY, OR LIABILITY WHATSOEVER IN
CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE TO PSS CUSTOMER. THE
LIMITATIONS, EXCLUSIONS AND DISCLAIMERS HEREIN SHALL APPLY IRRESPECTIVE OF THE
NATURE OF THE CAUSE OF ACTION, DEMAND, OR ACTION BY PSS CUSTOMER, INCLUDING BUT
NOT LIMITED TO BREACH OF CONTRACT, NEGLIGENCE, TORT, OR ANY OTHER LEGAL THEORY
AND SHALL SURVIVE A FUNDAMENTAL BREACH OR BREACHES OR THE FAILURE OF THE
ESSENTIAL PURPOSE OF THIS AGREEMENT OR OF ANY REMEDY CONTAINED HEREIN.

(e) Neither party nor third-party shall be responsible or liable
for any loss, damage or inconvenience suffered by the other or by any third
party, to the extent that such loss, damage or inconvenience is caused by the
failure of the other party to comply with its obligations under the agreements
governing their mutual duties and obligations.

(f) Neither party or third-party may bring an action, regardless
of form, arising out of or related to this Agreement (other than to recover
fees or expenses due to the third-party provider) more than two years after the
cause of action has arisen or the date of discovery of such cause, whichever is
later.

(g) Each party agrees to indemnify and hold the other party, its
affiliated companies, employees, officers, directors and shareholders harmless
from and against any claims, suits, actions or proceedings (a
“claim”) brought and damages, costs (including attorney’s fees) or
judgments awarded against such party that arise from or in connection with: (i)
claims by any person or entity to the extent that such claims are based upon or
arise out of the use of the services; or (ii) breach by such party of this
Agreement. The indemnified party shall give the other party prompt written
notice of such claims, permit such party to defend and/or settle such claims,
and give such party all information and assistance reasonably requested in
connection with such claims. Affiliated persons shall not have the right, and
each party shall ensure that their respective affiliated persons do not,
institute any claim directly against the parties to this Agreement, or any
third-party PSS provider.

2.4 Links to Third-Party Sites

(a) The third-party provider web-based services(s) and ISI’s web-based
services(s) may contain links to other web-based services(s) (“Linked
Sites”). The Linked Sites are not under the control of the third-party
provider and the third-party provider (and Insurance Snoopers, Inc. and its
affiliated companies) is not responsible for the contents of any Linked Sites,
including without limitation any link contained in a Linked Site, or any changes
or updates to a Linked Site. The third-party provider is not responsible for
webcasting or any other form of transmission received from any Linked Site.

(b) The third-party provider is providing these links to PSS
Customer only as a convenience, and the inclusion of any link does not imply
endorsement by the third-party provider of the site or any association with its
operators.

1.1 This Privacy Policy applies to all of the services offered
by ISI or its subsidiaries or affiliated companies (hereinafter referred to as
the “services”). In addition, if more detailed information is needed
to explain our privacy practices, we will post separate privacy notices to
describe how particular services process personal information.

1.2 Insurance Snoopers, Inc. recognizes that privacy is
important. Our primary goal in collecting information from you is to provide
you with a smooth and customized experience while you use our services. Except
as otherwise stated in this Privacy Policy, we do not disclose any personally
identifiable information about you to any third-party without your permission,
unless we believe in good faith that we are required to do so by law.

1.3 If you have any questions about this Privacy Policy, please
feel free to contact us as provided on the Contact Us or Support pages at
Insurance Snoopers, Inc.

2. Information We Gather

2.1 We offer a number of services that do not require you to
register for an account or provide any personal information to us, such as ISI
Business Directory. In order to provide our full range of services, we may
collect the following types of information:

(a) Information you provide:

(i) When you sign up for an ISI web-based services or other ISI
service or promotion that requires registration, we ask you for personal and
business information (such as your name, business name, address and contact
information, business description, email address and an account password).

(ii) For certain services, such as upgrades for the web-based
services service, we also request credit card or other payment account
information, which we maintain in encrypted form on secure servers.

(iii) We may combine the information you submit under your
account with information from other ISI services or third-parties in order to
provide you with a better experience and to improve the quality of our
services.

(iv) For certain services, we may give you the opportunity to
opt-out of combining such information.

(b) ISI’s cookies:

(i) When you visit ISI, we send one or more cookies – a small
file containing a string of characters – to your computer that uniquely
identifies your browser.

(ii) We use cookies to improve the quality of our service by
storing user preferences and tracking user trends, such as what images are most
popular.

(iii) Most browsers are initially set up to accept cookies, but
you can reset your browser to refuse all cookies or to indicate when a cookie
is being sent.

(iv) However, some ISI features and services may not function
properly if your cookies are disabled.

(i) When you use ISI services, our servers automatically record
information that your browser sends whenever you visit a web-based services.

(ii) These server logs may include information such as your web
request, Internet Protocol address, browser type, browser language, the date
and time of your request and one or more cookies that may uniquely identify
your browser.

(d) User communications:

(i) When you send email or other communication to ISI, we may
retain those communications in order to process your inquiries, respond to your
requests and improve our services.

(e) Affiliated web-based services:

(i) We may offer some of our services in connection with other web-based
services.

(ii) Personal information that you provide to those web-based
services may be sent to Insurance Snoopers, Inc. in order to deliver the
services.

(iii) We process such information in accordance with this
Privacy Policy.

(iv) The affiliated web-based services may have different
privacy practices and we encourage you to read their privacy policies.

(f) Links:

(i) ISI may present links in a format that enables us to keep
track of whether these links have been followed.

(ii) We use this information to improve the quality of our
technology, customized content and advertising.

(g) Other web-based services:

(i) This Privacy Policy applies to web-based services and
services that are owned and operated by ISI.

(ii) We do not exercise control over the web-based services
displayed in advertising on the web-based services created using ISI technology
or links from within our various services.

(iii) These other web-based services may place their own cookies
or other files on your computer, collect data or solicit personal information
from you.

3. How We Use the Information We Gather

3.1 ISI processes personal information only for the purposes
described in the applicable Privacy Policy and/or privacy notice for specific
services. In addition to the above, such purposes include:

(a) Providing our services to users, including the display of
customized content and advertising.

(b) Auditing, research and analysis in order to maintain,
protect and improve our services.

(d) Insurance Snoopers, Inc. Business Directory that lists every
Insurance Snoopers, Inc. web-based services by business category, city, state
and country and includes the ability to search the directory.

(e) Developing new services.

3.2 Insurance Snoopers, Inc. processes personal information on
our servers in the United States of America and in other countries.

(a) In some cases, we process personal information on a server
outside your own country.

(b) We may process personal information to provide our own
services.

(c) In some cases, we may process personal information on behalf
of and according to the instructions of a third-party, such as our advertising
partners.

4. Choices for Personal Information

4.1 When you sign up for a particular Service that requires registration,
we ask you to provide personal information. If we use this information in a
manner different from the purpose for which it was collected, then we will ask
for your consent prior to such use.

4.2 If we propose to use personal information for any purposes
other than those described in this Privacy Policy and/or in the specific
Service notices, we will offer you an effective way to opt-out of the use of
personal information for those other purposes.

(a) We will not collect or use sensitive information
(information we know to be related to confidential medical information, racial
or ethnic origins, political or religious beliefs or sexuality and tied to
personal information) for purposes other than those described in this Privacy
Policy and/or in the specific service notices, unless we have obtained your
prior consent.

4.3 You can decline to submit personal information to any of our
services, in which case Insurance Snoopers, Inc. may not be able to provide
those services to you. Insurance Snoopers, Inc. will not ask for sensitive
information as a condition for any of its services.

5. Information Sharing

5.1 Insurance Snoopers, Inc. shares personal information with
other companies or individuals outside of Insurance Snoopers, Inc. only in the
following limited circumstances:

(a) We have your consent. We require opt-in consent for the
sharing of any sensitive information.

(b) We provide such information to our subsidiaries, affiliated
companies or other trusted businesses or persons for the purpose of processing
personal information on our behalf. We require that these parties agree to
process such information based on our instructions and in compliance with this
Privacy Policy and any other appropriate confidentiality and security measures.

(c) We have a good faith belief that access, use, preservation
or disclosure of such information is reasonably necessary to one of the
following:

(i) Satisfy any applicable law, regulation, legal process or
enforceable governmental request.

(ii) Enforce applicable Terms of Service, including
investigation of potential violations thereof.

(iii) Detect, prevent, or otherwise address fraud, security, or
technical issues.

(iv) Protect against imminent harm to the rights, property, or
safety of Insurance Snoopers, Inc., its users or the public as required or
permitted by law.

5.2 If Insurance Snoopers, Inc. becomes involved in a merger,
acquisition, or any form of sale of some or all of its assets, we will provide
notice before personal information is transferred and becomes subject to a
different privacy policy.

5.3 We may share with third-parties certain pieces of
aggregated, non-personal information such as the number of users who built web-based
services for a particular kind of business, for example, or how many users clicked
on a particular advertisement. Such information does not identify you
individually.

5.4 California residents may have special rights as provided by
California Civil Code Section 1798.83. See California Residents section below.

6. Information Security

6.1 We take appropriate security measures to protect against
unauthorized access to or unauthorized alteration, disclosure or destruction of
data. These include internal reviews of our data collection, storage and
processing practices and security measures, as well as physical security
measures to guard against unauthorized access to systems where we store
personal data.

6.2 We restrict access to personal information to Insurance
Snoopers, Inc. employees, contractors and insurance company, insurance agent, independent
broker, and/or insurance producers who need to know that information in order
to operate, develop, or improve our services. These individuals are bound by
confidentiality obligations and may be subject to discipline, including
termination and criminal prosecution, if they fail to meet these obligations.

6.3 In addition, we always use a secure connection when
collecting personal financial information from you. However, no data
transmission over the Internet can be guaranteed 100%.

6.4 Your Insurance Snoopers, Inc. account is password-protected.

(a) So in addition to those partners or insurance company,
insurance agent, independent broker and/or insurance producers who may provide
you services, only you and those you designate can access it and view the
member information relevant to your account.

(b) So you, too, are responsible for maintaining the secrecy of
your passwords and any account information.

(d) In addition, do not choose to have your browser save your
user name and password.

(e) These practices help ensure that others cannot access your
personal information if your computer is accessible to others.

7. Third-party Advertisers and Links to Other Web-based services

7.1 Insurance Snoopers, Inc. may allow other companies, called
third-party ad servers or ad networks (hereinafter referred to as
“advertisers”), to serve advertisements within the web-based services
hosted by Insurance Snoopers, Inc.

(a) These advertisers use technology to send, directly to your
browser, the advertisements and links that appear on the Insurance Snoopers,
Inc.

(b) They automatically receive your IP address when this
happens.

(c) They may also use other technologies (such as cookies,
JavaScript, QR Codes, BLE Beacons, or Web Beacons) to measure the effectiveness
of their advertisements and to personalize the advertising content you see.

7.2 Insurance Snoopers, Inc. does not provide any personally
identifiable information to these Advertisers without your consent or except as
part of a specific program or feature for which you will have the ability to
opt-in or opt-out.

7.3 However, please note that if an advertiser asks Insurance
Snoopers, Inc. to show an advertisement to a certain audience (for example, men
ages 18-34) or audience segment (for example, men ages 18-24 who have viewed
certain channels of content) and you respond to that advertisement, the
Advertiser may conclude that you fit the description of the audience they are
trying to reach. The Advertiser may also use information regarding your use of
the Insurance Snoopers, Inc., such as the number of times you viewed an ad (but
not any personally identifiable information), to determine which ads to deliver
to you.

7.4 You should consult the respective privacy policies of any
advertisers (see links below) for more information on their practices and for
instructions on how to opt-out of certain practices. Insurance Snoopers, Inc.
Privacy Policy does not apply to, and we cannot control the activities of, such
other advertisers. Any data obtained by advertisers subsequently shared with
Insurance Snoopers, Inc. is maintained and dealt with by Insurance Snoopers,
Inc. in accordance with this Privacy Policy.

7.5 Currently, Insurance Snoopers, Inc. may have relationships
with the following advertisers:

(a) Yahoo: www.yahoo.com

(b) Google: www.google.com

8. Receiving Messages from Insurance Snoopers, Inc.

8.1 You can opt-out of receiving messages from Insurance
Snoopers, Inc., in the event that Insurance Snoopers, Inc. chooses to send
these messages to you, which are promotional in nature: messages about new
features of services, tips on use of services, promotions of various kinds.

8.2 However, as long as you are using Insurance Snoopers, Inc.
services, you cannot opt-out of receiving official company announcements about
Privacy Policy changes or administrative matters relating to your account, like
billing, collections or customer support. We have a duty to inform you of any
Privacy Policy changes, and we have a need to inform you of any billing
questions or issues of customer support.

9. Data Integrity

9.1 Insurance Snoopers, Inc. processes personal information only
for the purposes for which it was collected and in accordance with this Privacy
Policy or any applicable service-specific privacy notice. We review our data
collection, storage, and processing practices to ensure that we only collect,
store and process the personal information needed to provide or improve our
services.

9.2 We take reasonable steps to ensure that the personal
information we process is accurate, complete, and current, but we depend on our
users to update or correct their personal information whenever necessary.

10. Accessing and Updating Personal Information

10.1 When you use Insurance Snoopers, Inc. services, we make
good faith efforts to provide you with access to your personal information and
either to correct this data if it is inaccurate or to delete such data at your
request if it is not otherwise required to be retained by law or for legitimate
business purposes. We ask individual users to identify themselves and the
information requested to be accessed, corrected or removed before processing
such requests, and we may decline to process requests that are unreasonably
repetitive or systematic, require disproportionate technical effort, jeopardize
the privacy of others, or would be extremely impractical (for instance,
requests concerning information residing on backup tapes), or for which access
is not otherwise required.

10.2 In any case where we provide information access and correction,
we perform this service free of charge, except if doing so would require a
disproportionate effort as determined in the sole discretion of Insurance
Snoopers, Inc. Some of our services may have different procedures to access,
correct or delete users’ personal information.

11. Enforcement

11.1 Insurance Snoopers, Inc. regularly reviews its compliance
with this Privacy Policy. Please feel free to direct any questions or concerns
regarding this Privacy Policy to Insurance Snoopers, Inc. treatment of personal
information by contacting us through via our Contact Us or Support pages at
Insurance Snoopers, Inc. web-based services.

11.2 When we receive formal written complaints at the address
provided on our Contact Us or Support pages at Insurance Snoopers, Inc. web-based
services, it is Insurance Snoopers, Inc. policy to contact the complaining user
regarding his or her concerns. We will cooperate with the appropriate
regulatory authorities, including local data protection authorities, to resolve
any complaints regarding the transfer of personal data that cannot be resolved
between Insurance Snoopers, Inc. and an individual.

12. Changes to this Privacy Policy

12.1 Please note that this Privacy Policy may change from time
to time.

(a) We will not reduce your rights under this Privacy Policy
without your explicit consent, and we expect changes to the Privacy Policy, if
any, to be minor.

(b) Regardless, we will post any Privacy Policy changes on this
page and, if the changes are significant, we will provide a more prominent
notice (including, for certain services, email notification of Privacy Policy
changes).

(d) If you have any additional questions or concerns about this
Privacy Policy, please feel free to contact us any time through the address on
our Contact Us or Support pages at Insurance Snoopers, Inc. web-based services.

13. California Residents

13.1 As provided by California Civil Code Section 1798.83, a
California resident who has provided Personal Information to a business with
whom he/she has established a business relationship for personal, family, or
household purposes (“California customer”) is entitled to request
information about whether the business has disclosed Personal Information to
any third-parties for the third-parties’ direct marketing purposes. In general,
if the business has made such a disclosure of Personal Information, upon
receipt of a request by a California customer, the business is required to
provide a list of all third-parties to whom personal information was disclosed
in the preceding calendar year, as well as a list of the categories of Personal
Information that were disclosed.

13.2 However, under the law, a business is not required to
provide the above-described lists if the business adopts and discloses to the
public (in its Privacy Policy) a policy of not disclosing customer’s Personal
Information to third-parties for their direct marketing purposes unless the
customer first affirmatively agrees to the disclosure, as long as the business
maintains and discloses this policy. Rather, the business may comply with the
law by notifying the customer of his or her right to prevent disclosure of
Personal Information and providing a cost-free means to exercise that right.

13.3 As stated in this Privacy Policy, we do not share
information with third-parties for their direct marketing purposes unless you
affirmatively agree to such disclosure – typically by opting-in to receive
information from a third-party that is participating in some activity described
on one of our web-based services.

(a) If you do ask us to share your information with a
third-party for its marketing purposes, we will share information only in
connection with that specific activity, as we do not share information with any
third-party on a continual basis.

(b) To prevent disclosure of your Personal Information for use
in direct marketing by a third-party, do not opt-in to such use when you
provide personally identifiable information on one of our web-based services.

(c) Please note that whenever you opt-in to receive future
communications from a third-party, your information will be subject to the
third-party’s privacy policy.

(d) If you later decide that you do not want that third-party to
use your information, you will need to contact the third-party directly, as we
have no control over how third-parties use information.

(e) You should always review the privacy policy of any party
that collects your information to determine how that entity will handle your information.

13.4 California customers may request further information about
our compliance with this law by e-mailing on the Contact Us or Support pages at
Insurance Snoopers, Inc. web-based services.

13.5 Please note that we are required to respond only to one
request per customer each year, and we are not required to respond to requests
made by means other than through this e-mail address.

Rules for Third-party Use of Distinctive Features 1. General
Information

1.1 Although we would like to accommodate those who want to add
Insurance Snoopers, Inc. trademarks or distinctive features (“Insurance
Snoopers, Inc. Distinctive Features” or “Distinctive Features”)
to their web-based services, we also need to protect Distinctive Features of
our services. Consequently, we must turn down many requests because web-based
services imply that Insurance Snoopers, Inc. is endorsing them or is otherwise
affiliated with them. We also will not allow Insurance Snoopers, Inc.
trademarks, logos, web pages, screen shots, or other Distinctive Features to be
associated with objectionable material, as determined by Insurance Snoopers,
Inc.

1.2 We therefore require that you have Insurance Snoopers, Inc.
explicit written permission before using any Insurance Snoopers, Inc.
Distinctive Features.

(a) These Distinctive Features can be used only pursuant to
these Rules, our Terms, and for the specific purposes for which Insurance
Snoopers, Inc. has given permission.

(b) If you have a written agreement with Insurance Snoopers,
Inc. that specifically addresses how you may use its Distinctive Features, you
do not need to go through the approval process unless you want to do something
other than what has been authorized in your existing agreement.

(c) Otherwise, the only time you can use Distinctive Features
without advance written permission is if there is clear and express language on
our web-based services stating that you can use those Distinctive Features
without first obtaining permission.

1.3 When you use any of our Distinctive Features, you must
always follow the Rules for Proper Usage included in these Rules.

(a) In addition, Insurance Snoopers, Inc. may provide you with
written requirements as to the size, typeface, colors, and other graphic
characteristics of the Insurance Snoopers, Inc. Distinctive Features.

(b) If we provide these requirements to you at the time of our
approval, you must implement them before using our Distinctive Features.

(c) If we provide these requirements to you after we initially
gave our permission, you must implement them within a commercially reasonable
timeframe.

2. Approval Process

2.1 You cannot use Insurance Snoopers, Inc. Distinctive Features
until we have expressly granted you approval.

(a) The approval to use Insurance Snoopers, Inc. Distinctive
Features is limited to the information provided in your request.

(b) If your anticipated use changes, before or after, Insurance
Snoopers, Inc. grants approval, you must update your request accordingly.

2.2 Please note that we can give you permission only to use the
Insurance Snoopers, Inc. Distinctive Features. We cannot give you permission to
use any Distinctive Features belonging to third parties.

3. Trademark Overview

3.1 What is a trademark?

(a) A trademark is a word, name, symbol or device (or a
combination thereof) that identifies the goods or services of a person or
company and distinguishes them from the goods and services of others.

(b) A trademark assures consumers of consistent quality with
respect to those goods or services and aids in their promotion.

3.2 Why is it important to use marks correctly?

(a) Rights to a trademark can last indefinitely if the owner
continues to use the mark to identify its goods and services.

(b) If trademarks are not used properly, they may be lost and
one of the company’s most important assets may lose all of its value.

(c) Rights may be lost not only because of a trademark owner’s
improper use of the mark, but through improper use of the trademark by the
public.

4. Rules for Proper Usage

4.1 Permitted Use.

(a) Distinguish the Insurance Snoopers, Inc. trademark from the
surrounding text in some way. Capitalize the first letter, capitalize or
italicize the entire mark, place the mark in information, use a different type
style or font for the mark than for the generic name.

(b) If you do not capitalize the entire mark, always spell and
capitalize the trademark exactly as it is shown in the Insurance Snoopers, Inc.
Trademarks and Suggested Accepted Generic Terms below.

(d) Use a generic term following the trademark, for example:
Insurance Snoopers, Inc. services or Insurance Snoopers, Inc. Business
Directory.

(e) Use only Insurance Snoopers, Inc. approved artwork when using
Insurance Snoopers, Inc. logos.

(f) If you are using an Insurance Snoopers, Inc. logo on a web
page, there must exist a minimum spacing of 25 pixels between each side of the
logo and other graphic or textual elements on your web page.

(i) Normally, an unregistered Insurance Snoopers, Inc.
Distinctive Feature should be followed by the superscripted letters TM or SM to
give notice that the company claims trademark rights in the term.

(ii) A registered Insurance Snoopers, Inc. Distinctive Feature
should be followed by the symbol ® to identify the term as a registered
trademark.

(iii) In advertising copy, notice of trademark rights may be
provided in a footnote format; e.g., by placing an asterisk adjacent to the
Insurance Snoopers, Inc. Distinctive Feature and placing an appropriate notice
at the bottom of the page on which the asterisk appears. Example: *Insurance
Snoopers, Inc. is a trademark of Insurance Snoopers, Inc.

4.2 Impermissible Use.

(a) One of the conditions for all uses is that you cannot alter
the marks.

(i) Don’t remove, distort, or alter any element of an Insurance
Snoopers, Inc. Distinctive Feature.

(ii) That includes modifying an Insurance Snoopers, Inc.
trademark, for example, through hyphenation, combination or abbreviation, such
as: ISI sites.

(iii) Do not shorten, abbreviate, or create acronyms out of
Insurance Snoopers, Inc. trademarks.

(b) Don’t display an Insurance Snoopers, Inc. Distinctive
Feature as the most prominent element on your web page.

(c) Don’t display an Insurance Snoopers, Inc. Distinctive
Feature in any manner that implies a relationship or affiliation with,
sponsorship, or endorsement by Insurance Snoopers, Inc., or that can be
reasonably interpreted to suggest editorial content has been authored by, or
represents the views or opinions of Insurance Snoopers, Inc. or Insurance
Snoopers, Inc. personnel.

(d) Don’t display an Insurance Snoopers, Inc. Distinctive
Feature on any web-based services that contains or displays adult content,
promotes gambling, involves the sale of tobacco or alcohol to persons less than
twenty-one years of age, or otherwise violates applicable law.

(e) Don’t display an Insurance Snoopers, Inc. Distinctive
Feature in a manner that is in Insurance Snoopers, Inc. sole opinion
misleading, unfair, defamatory, infringing, libelous, disparaging, obscene or
otherwise objectionable to Insurance Snoopers, Inc.

(f) Don’t display an Insurance Snoopers, Inc. Distinctive
Feature on a web-based services that violates any law or regulation.

(g) Don’t frame or mirror any Insurance Snoopers, Inc. page
(including the page that appears in response to a click on the Insurance
Snoopers, Inc. logo or Insurance Snoopers, Inc. link to any of its Services).

(h) Don’t incorporate Insurance Snoopers, Inc. Distinctive
Features into your own product name, service names, trademarks, logos, or
company names.

(i) Don’t copy or imitate Insurance Snoopers, Inc. appearance,
including the look and feel of Insurance Snoopers, Inc. web design properties
or Insurance Snoopers, Inc. distinctive packaging, distinctive color
combinations, typography, graphic designs, product icons, or imagery associated
with Insurance Snoopers, Inc.

(j) Don’t adopt marks, logos, slogans, or designs that are
confusingly similar to Insurance Snoopers, Inc. Distinctive Features.

(k) Don’t register Insurance Snoopers, Inc. trademarks as
second-level domain names.

(l) Don’t use Insurance Snoopers, Inc. trademarks in a way that
suggests a common, descriptive, or generic meaning.

(m) Trademark rights vary from country to country. Some
countries have severe criminal and civil penalties for improper use of the
registration symbol. Therefore, do not use the registration symbol (®) in
countries where the mark has not been registered.

5. Insurance Snoopers, Inc. Trademarks

5.1 The following are some of the trademarks owned by Insurance
Snoopers, Inc. and the suggested generic terms for those trademarks.

(a) Insurance Snoopers, Inc. web-based services creator

(b) Insurance Snoopers, Inc. business directory

(d) Insurance Snoopers, Inc. promotional videos

6. Permissions

6.1 When Do I Need Permission to Use Insurance Snoopers, Inc.
Distinctive Features?

(a) We are very careful about how our trademarks, logos, web
pages, screenshots or other distinctive features, are used. We never permit any
of our Distinctive Features to be altered, edited or misrepresented.

(b) All of our trademarks, logos, web pages, screen shots and
other distinctive features (“Insurance Snoopers, Inc. Distinctive
Features”) are protected by applicable trademark, copyright and other
intellectual property laws. If you would like to use any of Insurance Snoopers,
Inc. Distinctive Features on your web-based services, in an ad, in an article
or book, or reproduce them anywhere else, you may need to first receive
permission from Insurance Snoopers, Inc. We have tried to make this process as
painless as possible.

(i) The one instance when you do not need to ask our permission
is when you want to use a standard, unaltered Insurance Snoopers, Inc.
screenshot in a print (book, magazine, journal, newspaper) or electronic (web
page, DVD, CD) format for an instructive or illustrative purpose. This must be
an unaltered (meaning there are no graphics, photos, or advertising copy
superimposed on the screenshot you plan to use, nor have you changed the look
of the image in any way) image from most of our services (see special cases
below). Examples of instructive or illustrative purposes are using a screenshot
of an Insurance Snoopers, Inc. web-based services to show where the sponsored
links are located or using a screenshot of an Insurance Snoopers, Inc. business
directory page to illustrate how businesses are listed in that directory.

(ii) If you have any concern that your intended use is not
allowed, please contact us by filling out the Permission Request Form after you
have read the Rules for Third Party Use (the “Rules”).

(d) All other uses:

(i) So now, if you have determined that you need to apply for
permission to use Insurance Snoopers, Inc. Distinctive Features, please review
the Rules, which provide an overview of the process and set forth certain
things you cannot do.

Trademark Complaint Procedure 1. General Policy

1.1 Insurance Snoopers, Inc. may provide space for
advertisements from third-party advertisers on web-based services hosted by
Insurance Snoopers, Inc. We also provide a business directory, Insurance
Snoopers, Inc. Directory™, which lists many of the businesses, which have
created web-based services at Insurance Snoopers, Inc.

1.2 As a courtesy to trademark owners, Insurance Snoopers, Inc.
is willing to investigate reasonable complaints of trademark violations
submitted in accordance with instructions below.

1.3 If you have concerns about the use of your trademark within
a web-based services created by a business using Insurance Snoopers, Inc.
software, or that is listed in the Insurance Snoopers, Inc. Directory™, please
contact the business directly that has created that web-based services and that
you believe is violating your trademark rights.

1.4 If you have concerns about the use of your trademark in a
domain name that is hosted by Insurance Snoopers, Inc., or that is featured in
Insurance Snoopers, Inc. Directory™, please contact that business directly that
you believe is violating your trademark rights. If you have concerns about
business products created by users of Insurance Snoopers, Inc., or listed in
Insurance Snoopers, Inc. Directory™, please contact that business directly that
you believe is violating your trademark rights.

1.5 If you have concerns about the use of your trademark in our
advertiser’s ads, please contact the third party advertiser directly, like
Google or Yahoo, or contact the advertiser himself or herself, like John Doe
Cleaning Service.

1.6 As a provider of space for advertisements, please note that
Insurance Snoopers, Inc. is not in a position to arbitrate trademark disputes
between the advertisers and trademark owners.

(a) The advertisers themselves are responsible for the keywords
and ad content that they choose to use in their advertisements with third-party
advertisers.

(b) Accordingly, we encourage trademark owners to resolve their
disputes directly with the advertisers, particularly because the advertisers
may have similar advertisements on other web-based services.

1.7 As a courtesy to trademark owners, Insurance Snoopers, Inc.,
too, is willing to perform a limited investigation of reasonable complaints.

1.8 Additionally, please note that our complaint procedure
regarding the use of a trademark may differ depending on the country in which
trademark rights exist.

2. Submitting Complaint 2.1 Trademark owners may submit a
complaint by providing the following information:

(a) Information about yourself:
- (i)
  Your name
- (ii)
  Your title
- (iii)
  Company name
- (iv)
  Your relationship to trademark owner
- (v)
  Address
- (vi)
  Email
- (vii)
  Phone number
(b) Information about trademark owner (if not yourself):
- (i)
  Trademark owner name
- (ii)
  Address
- (iii)
  Email
- (iv)
  Phone number
(c) Trademark details required for trademarks at issue:
- (i)
  Trademark
- (ii)
  Country
- (iii)
  Word and design
- (iv)
  Registration status: registered, pending, use rights
- (v)
  Registration or application number
- (vi)
  Advertisers involved
- (vii)
  The exact URLs in question
(d) Statements of good faith that should be added to your letter
of complaint:
- (i) I
  have a good faith belief that use of the trademarks described above with the
  advertisements described above are not authorized by the trademark owner or its
  insurance company, insurance agent, independent broker and/or insurance
  producer, nor is such use otherwise permissible under law.
- (ii) I
  represent that the information in this notification is true and correct and
  that I am authorized to act on behalf of the trademark owner.
(e) Sign the paper, and send the written communication by the
following method:

Mail to: Insurance Snoopers, Inc., Attn: Legal Support,
Insurance Snoopers, Inc. DMCA Complaints, 2400 North Lincoln Avenue, Altadena,
CA 91001.

The use of this web-based services is also subject to the
following terms of use:

The content of the pages of this web-based services is for your
general information and use only. It is subject to change without notice.
Neither any third parties nor we provide any warranty or
guarantee as to the accuracy, timeliness, performance, completeness or
suitability of the information and materials either found or offered on this web-based
services for any particular purpose. You acknowledge that such information and
materials may contain inaccuracies or errors and we expressly exclude liability
for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this web-based services
is entirely at your own risk, for which we shall not be liable. It shall be
your own responsibility to ensure that any products, services or information
available through this web-based services meet your specific requirements.
This web-based services contains material, which is owned by or
licensed to us. This material includes, but is not limited to, the design,
layout, look, appearance and graphics. Reproduction is prohibited other than in
accordance with the copyright notice, which forms part of these terms and
conditions.
Unauthorized use of this web-based services may give rise to a
claim for damages and/or be a criminal offence.
From time to time this web-based services may also include links
to other web-based services. These links are provided for your convenience to
provide further information. They do not signify that we endorse the web-based
services(s). We have no responsibility for the content of the linked web-based
services(s).
Please note we are not associated with Companies mentioned on
the site and that we acknowledge that products, company names and logos
mentioned on this site are trademarks of their respected owners. The Insurance
Snoopers, Inc. web-based services is a resource containing details and price
comparison information for Insurance Snoopers, Inc.

Terms and Conditions – Part 2

If in the event that the Term and Conditions–Part 1 does not
apply to the subject query, and/or dispute, then the following Terms and Conditions–Part
2 must apply:

Please read this Terms of Service agreement (the “Agreement”)
carefully. Your use of the Site (as defined below) constitutes your agreement
to be bound by this Agreement.

This Agreement is between user/viewer (“you”) and Insurance Snoopers,
Inc. (“ISI,” “Company,” “we,” “us”) concerning your use of the web-based
services owned and controlled by us from which you are accessing this Agreement
(together with any successor site(s), and all Site Services and Site Content,
the “Site”).

1. Acceptance of Terms. By using the Site, you agree to the
terms of this Agreement and to any additional rules and guidelines that we post
on the Site. We may make changes to this Agreement from time to time; we may
notify you of such changes by any reasonable means, including by posting the
revised version of this Agreement on the Site. You can determine when we last
changed this Agreement by referring to the “LAST UPDATED” legend above. Your
use of the Site following changes to this Agreement will constitute your
acceptance of those changes; provided, however, absent your express consent,
any material change to this Agreement shall not apply retroactively to any
claim or dispute between you and us in connection with this Agreement that
arose prior to the “LAST UPDATED” date applicable to that version of this
Agreement in which we included such material change. We may, at any time,
modify or discontinue all or part of the Site; charge, modify or waive fees
required to use the Site; or offer opportunities to some or all Site users.

2. Jurisdictional Issues. The Site is controlled and/or operated
from the United States, and is not intended to subject us to non-U.S.
jurisdiction or laws, except as otherwise expressly stated in this Agreement.
The Site may not be appropriate or available for use in some jurisdictions
outside of the United States. In choosing to access the Site, you do so on your
own initiative and at your own risk, and you are responsible for complying with
all local laws, rules and regulations, including any export controls, embargoes
or other rules and regulations restricting exports. We may limit the Site’s
availability, in whole or in part, to any person, geographic area or
jurisdiction we choose, at any time and in our sole discretion.

3. Information Submitted Through the Site. Your submission of
information through the Site is governed by our Privacy Policy, which is
located at 2400 North Lincoln Avenue, Altadena, CA 91001 (the “Privacy
Policy”), and which is hereby incorporated into this Agreement by this
reference. You represent and warrant that any information you provide in
connection with your use of the Site is and shall remain true, accurate, and
complete, and that you will maintain and update such information regularly. You
agree that if any information you provide is false, inaccurate, obsolete or
incomplete, we may terminate your use of the Site.

4. Site Services and Content. The Site provides you with access
to certain services, such as referrals to products, services and suppliers that
may be of interest to you (the “Site Services”), and to certain content
provided by us or by third parties, such as news and information regarding such
products, services and suppliers in various industries (the “Site Content”). In
addition to the other terms and conditions of this Agreement, please carefully
note the following regarding our services and content:

a. Services. We may provide Site users with the opportunity to
submit requests for information on a wide variety of products and services
offered by certain service providers (each such service provider, a “Service
Provider”; each such request, a “Request”). We cannot and do not guarantee that
these Service Providers will provide information for every Request received or
that the Service Providers who do respond to your Request can in fact meet all
of your requirements. We may reject any Request and/or elect not to forward a
Request to participating Service Providers, for any reason or no reason. In
submitting a Request to us, you agree to allow us to refer all of the
information that you provide in connection with your Request to third parties,
including any Service Providers. If any Service Provider(s) wish to provide
information to you in connection with your Request, you will be contacted regarding
the offerings and related pricing. We request that the Service Providers make
contact with you via the preferred medium that you have listed (e.g., phone or
email); however, this does not preclude such Service Providers from contacting
you by any other means that they deem appropriate. In working with Service
Providers, we seek to work with companies that are reputable and professional;
however, we strongly recommend that you perform your own due diligence on each
potential Service Provider prior to selecting and/or entering into any type of
agreement or other arrangement with any particular Service Provider. In
addition, once we refer your request to the Service Providers in the Service
Provider network, we have no further involvement in any transactions that occur
between you and the Service Provider(s). We are not responsible or liable for
ANY Service Provider’s acts or omissions (including, WITHOUT LIMITATION, WITH
RESPECT TO any insurance programs, insurance products, insurance services,
insurance quotes OR SERVICES THAT ANY SUCH SERVICE PROVIDER may provide), for
SUCH SERVICE PROVIDER’S contacting or failure to contact you, FOR SUCH SERVICE
PROVIDER’S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT
OR TRANSACTION BETWEEN YOU AND ANY SERVICE PROVIDER.

b. Content. The Site may include Site Content. We provide any
such Site Content solely for your convenience, and such Site Content (i) is not
intended as a substitute for professional advice; (ii) should not be construed
as the provision of advice or recommendations; and (iii) should not be relied
upon as the basis for any decision or action, including without limitation the
suitable amount of insurance protection, the eligibility for or appropriateness
of any benefit or service, or the making of a financial decision. We are not
responsible for the accuracy or reliability of any Site Content. Site Content
is not exhaustive and should not be considered complete or up-to-date. It is
your responsibility to evaluate the accuracy, completeness, or usefulness of
any Site Content available through the Site. The relationship between you and
us is not a professional or similar relationship; always seek the advice of a
qualified professional with respect to any questions that you may have, and never
disregard professional advice or delay in seeking it because of something that
you have read on the Site. We neither recommend nor endorse any specific
products, opinions, or other Site Content that may be made available through or
mentioned on the Site.

Site Content may be provided by our affiliates or assigns as
well as by third parties. Please note that third parties may post messages,
provide materials or make statements that are inaccurate, misleading or
deceptive. We, our affiliates, assigns and our and their employees, officers,
directors, agents, representatives, licensors, suppliers and service providers
(collectively with us, the “Company Entities”) do not endorse and are not
responsible or liable for any Site Content, or any opinion, advice, information
or statements in such Site Content, or your use of any Site Content. Under no
circumstances will the Company Entities be liable for any loss or damage caused
by your reliance on Site Content or for any results obtained by using any such
Site Content. The opinions expressed in the Company Entities reflect solely the
opinions of the individuals who submitted such opinions, and may not reflect
our opinions. YOUR USE OF THE SITE AND Reliance on any SITE CONTENT is solely
at your own risk.

5. Rules of Conduct. While accessing and using the Site you will
comply with all applicable laws, rules and regulations. In addition, we expect
users of the Site to respect the rights and dignity of others. Your use of the
Site is conditioned on your compliance with the rules of conduct set forth in
this section; your failure to comply with such rules may result in termination
of your access to the Site pursuant to Section 15 below. You agree that you
will not:

Post, transmit, or otherwise make available, through or in connection
with the Site:
Anything that is or may be (a) threatening, harassing,
degrading, hateful or intimidating; (b) defamatory; (c) fraudulent or tortious;
(d) obscene, indecent, pornographic or otherwise objectionable; or (e)
protected by copyright, trademark, trade secret, right of publicity or other
proprietary right without the express prior consent of the owner of such right.
Any material that would give rise to criminal or civil
liability; that promotes gambling; that encourages conduct that constitutes a
criminal offense; or that encourages or provides instructional information
about illegal activities or activities such as “hacking,”
“cracking,” or “phreaking.”
Any virus, worm, Trojan horse, Easter egg, time bomb, spyware,
or other computer code, file, or program that is harmful or invasive or may or
is intended to damage or hijack the operation of, or to monitor the use of, any
hardware, software or equipment.
Any unsolicited or unauthorized advertising, promotional
material, “junk mail,” “spam,” “chain letter,”
“pyramid scheme” or investment opportunity, or any other form of
solicitation.
Any material, non-public information about a company without the
proper authorization to do so.
Use the Site for any fraudulent or unlawful purpose.
Use the Site to defame abuse, harass, stalk, threaten or
otherwise violate the legal rights of others, including without limitation
others’ privacy rights or rights of publicity, or harvest or collect personally
identifiable information about other users of the Site.
Impersonate any person or entity, including without limitation
any of our (or our affiliates) representatives; falsely state or otherwise
misrepresent your affiliation with any person or entity; or express or imply
that we endorse any statement or posting you make.
Interfere with or disrupt the operation of the Site or the
servers or networks used to make the Site available; or violate any
requirements, procedures, policies or regulations of such networks.
Restrict or inhibit any other person from using the Site
(including without limitation by hacking or defacing any portion of the Site).
Use the Site to advertise or offer to sell or buy any goods or
services without our express prior written consent.
Reproduce, duplicate, copy, sell, resell or otherwise exploit
for any commercial purposes, any portion of, use of, or access to the Site.
Except as expressly permitted by applicable law, modify, adapt,
translate, reverse engineer, decompile or disassemble any portion of the Site.
Remove any copyright, trademark or other proprietary rights
notice from the Site or materials originating from the Site.
Frame or mirror any part of the Site without our express prior
written consent.
Create a database by systematically downloading and storing all
or any Site content.
Use any robot, spider, site search/retrieval application or
other manual or automatic device to retrieve, index, “scrape,”
“data mine” or in any way gather Site content or reproduce or
circumvent the navigational structure or presentation of the Site without our
express prior written consent. Notwithstanding the immediately foregoing
sentence (but subject to the other items listed above), we grant the operators
of public search engines permission to use spiders to copy materials from the
Site for the sole purpose of and solely to the extent necessary for creating
publicly-available searchable indices of such materials, but not caches or
archives of such materials. We reserve the right to revoke these exceptions,
either generally or in specific cases, at any time.

Additionally, you acknowledge and agree that you (and not
Company) are responsible for obtaining and maintaining all telecommunications,
broadband, and computer hardware, equipment, and services needed to access and
use the Site, and paying all charges related thereto.

6. Registration; User Names and Passwords. You may be required
to register with us in order to access certain services or areas of the Site.
With respect to any such registration, we may refuse to grant you, and you may
not use, a user name (or e-mail address) that personally identifies you; that
violates the intellectual property or other rights of any person; that is
offensive; or that we reject for any other reason in our sole discretion.

Your user name and password are for your personal use only, and
not for use by any other person. You are responsible for maintaining the
confidentiality of any password you may use to access the Site, and agree not
to transfer your password or user name, or lend or otherwise transfer your use
of or access to the Site, to any third party. You are fully responsible for all
interaction with the Site that occurs in connection with your password or user
name. You agree to immediately notify us of any unauthorized use of your
password or user name or any other breach of security related to your account
or the Site, and to ensure that you “log off”/exit from your account with the
Site (if applicable) at the end of each session. We are not liable for any loss
or damage arising from your failure to comply with any of the foregoing
obligations.

7. Submissions. For purposes of clarity, you retain ownership of
any information, content and/or materials that you submit through the Site
(each, a “Submission”). Please note, however, that we need certain rights to
your Submissions to be able to make them available on the Site. Accordingly,
you hereby grant to the Company Entities a worldwide, non-exclusive,
transferable, sublicenseable (through multiple tiers), royalty-free, perpetual,
irrevocable right and license, without compensation to you: to use, reproduce,
distribute, adapt (including without limitation edit, modify, translate, and
reformat), create derivative works of, transmit, publicly display, publicly
perform and otherwise exploit such Submission, in any media now known or
hereafter developed. For each Submission, you represent and warrant that you
have all rights necessary for you to grant the licenses granted in this
section, and that such Submission, and your provision thereof to and through
the Site, comply with all applicable laws, rules and regulations. Further, to
the extent permitted under applicable law, you irrevocably waive any “moral
rights” or other rights with respect to attribution of authorship or integrity
of materials regarding each Submission that you may have under any applicable
law under any legal theory. We request this waiver to help ensure that we have
all the rights we may need to provide the Services available through the Site.
In addition, the Company Entities have no control over, and shall have no
liability for, any damages resulting from the use (including without limitation
republication) or misuse by any third party of information voluntarily made
public through any other part of the Site. IF YOU CHOOSE TO MAKE ANY OF YOUR
PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A
SUBMISSION, YOU DO SO AT YOUR OWN RISK.

8. Monitoring. You acknowledge and agree that we reserve the
right (but have no obligation) to do any or all of the following, at our sole
discretion: (a) monitor, evaluate or alter Submissions before or after they
appear on the Site (including, without limitation, through the use of automated
filtering software); (b) seek to verify that all rights, consents, releases and
permissions in or relating to such Submission have been obtained by you in
accordance with your representations above; and (c) refuse, reject or remove
any Submission at any time or for any reason (including, without limitation,
through the use of automated filtering software or if we determine, in our sole
discretion, that all rights, consents, releases and permissions have not been
obtained by you despite your representations above). You agree to cooperate
with us in our verification or inquiries related to the foregoing. We may
disclose any Submissions and the circumstances surrounding their transmission
to anyone for any reason or purpose, and in accordance with our Privacy Policy.
If you become aware of any unlawful, offensive or objectionable material(s) on
the Site (except for material that infringes copyright, which is addressed in
Section 19 below), contact us at [email protected] with your name and address,
a description of the material(s) at issue and the URL or location of such
materials.

9. Proprietary Rights. The information and materials made
available through the Site are and shall remain the property of Company and its
licensors and suppliers, and are protected by copyright, trademark, patent,
and/or other proprietary rights and laws. Subject to your compliance with this
Agreement, and solely for so long as you are permitted by us to access and use
the Site, you may view one (1) copy of any content on the Site to which we
provide you access hereunder on any single computer solely for your personal,
non-commercial home use, provided that you keep intact all copyright and other
proprietary notices. Except as expressly authorized in advance by us in
writing, you agree not to reproduce, modify, rent, lease, loan, sell,
distribute, or create derivative works based (whether in whole or in part) on,
all or any part of the Site or any materials made available through the Site.

Company owns all trademarks and service marks, and any
associated logos of Company. All trademarks and service marks on the Site not
owned by us are the property of their respective owners. The trade names,
trademarks and service marks owned by Company, whether registered or
unregistered, may not be used in connection with any product or service that is
not ours, in any manner that is likely to cause confusion. Nothing contained on
the Site should be construed as granting, by implication, estoppel or
otherwise, any license or right to use any trade names, trademarks or service
marks without the express prior written consent of the owner of such trade
names, trademarks or service marks.

10. Purchases. We may make available products and services for
purchase through the Site, and we may use third-party suppliers and service
providers to enable e-commerce functionality on our Site. If you wish to
purchase any product or service made available by us through the Site (each
such purchase, a “Transaction”), you may be asked to supply certain
information relevant to your Transaction, including without limitation your
credit card number, the expiration date of your credit card, your billing
address, and your shipping information. YOU REPRESENT AND WARRANT THAT YOU HAVE
THE LEGAL RIGHT TO USE ANY CREDIT CARD(S) UTILIZED IN CONNECTION WITH ANY
TRANSACTION. By submitting such information, you grant to Company the right to
provide such information to third parties for purposes of facilitating the
completion of Transactions initiated by you or on your behalf. Verification of
information may be required prior to the acknowledgment or completion of any
Transaction.

All descriptions, images, references, features, content,
specifications, products and prices of products and services described or
depicted on this Site, are subject to change at any time without notice.
Company reserves the right, with or without prior notice, to limit the available
quantity of or discontinue any product or service; to honor, or impose
conditions on the honoring of, any coupon, coupon code, promotional code or
other similar promotions; to bar any user from making any or all
Transaction(s); and/or to refuse to provide any user with any product or
service. You agree to pay all charges that may be incurred by you or on your
behalf through the Site, at the price(s) in effect when such charges are
incurred, including without limitation all shipping and handling charges. In
addition, you remain responsible for any taxes that may be applicable to your
Transactions.

11. Links. The Site may provide links to other web-based
services and online resources. Because we have no control over such sites and
resources, you acknowledge and agree that the Company Entities are not
responsible for the availability of such external sites or resources, and the
Company Entities neither endorse nor are responsible or liable for any content,
advertising, products or other materials on or available through such sites or
resources. Other web-based services may provide links to the Site with or
without our authorization. You acknowledge and agree that the Company Entities
do not endorse such sites, and are not and shall not be responsible or liable
for any links from those sites to the Site, any content, advertising, products
or other materials available on or through such other sites, or any loss or
damages incurred in connection therewith.

YOU AGREE THAT YOUR USE OF THIRD PARTY WEB-BASED SERVICES AND
RESOURCES, INCLUDING WITHOUT LIMITATION, YOUR USE OF ANY CONTENT, INFORMATION,
DATA, ADVERTISING, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE THROUGH SUCH WEB-BASED
SERVICES AND RESOURCES, IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND
CONDITIONS OF USE APPLICABLE TO SUCH SITES AND RESOURCES.

We shall have the right, but not the obligation, at any time and
in our sole discretion, to block links from and to the Site through
technological or other means without prior notice.

12. Promotions. In addition to the terms and conditions of this
Agreement, any contests, sweepstakes, surveys, games or similar promotions
(collectively, “Promotions”) made available through the Site may be
governed by specific rules that are separate from this Agreement. By
participating in any such Promotion, you will become subject to those rules,
which may vary from the terms and conditions set forth herein. We urge you to
review any specific rules applicable to a particular Promotion, which will be
linked from such Promotion, and to review our Privacy Policy which, in addition
to this Agreement, governs any information you submit in connection with such
activities. To the extent that the terms and conditions of such rules conflict
with this Agreement, the terms and conditions of such rules shall control.

13. DISCLAIMERS; LIMITATION OF LIABILITY. THE SITE AND ANY
GOODS, SERVICES. CONTENT, INFORMATION AND MATERIALS MADE AVAILABLE THROUGH OR
IN CONNECTION WITH THE SITE ARE PROVIDED TO YOU “AS IS” WITHOUT ANY
EXPRESS REPRESENTATIONS OR WARRANTIES OF ANY KIND, AND EACH OF THE COMPANY
ENTITIES DISCLAIMS ALL STATUTORY OR IMPLIED REPRESENTATIONS, WARRANTIES, TERMS
AND CONDITIONS WITH RESPECT TO THE SITE AND ALL GOODS, SERVICES, CONTENT,
INFORMATION AND MATERIALS (INCLUDING WITHOUT LIMITATION, THIRD PARTY GOODS,
SERVICES, CONTENT, INFORMATION AND MATERIALS) MADE AVAILABLE THROUGH THE SITE,
INCLUDING ANY REPRESENTATIONS OR WARRANTIES OF SATISFACTORY QUALITY,
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE.
WE AND THE OTHER COMPANY ENTITIES MAKE NO REPRESENTATION OR WARRANTY THAT THE
SITE (OR ANY PART THEREOF) IS OR WILL BE ACCURATE, COMPLETE OR ERROR-FREE, NOR
THAT ANY PARTICULAR SOFTWARE OR HARDWARE WILL BE COMPATIBLE WITH THE SITE. YOU
HEREBY AGREE THAT IT IS YOUR SOLE RESPONSIBILITY TO (A) OBTAIN AND PAY FOR ANY
SOFTWARE, HARDWARE OR SERVICES (INCLUDING INTERNET CONNECTIVITY) NEEDED TO USE
THE SITE AND (B) ENSURE THAT ANY SOFTWARE, HARDWARE OR SERVICES THAT YOU USE
WILL FUNCTION CORRECTLY WITH THE SITE. YOU AGREE THAT YOU MUST EVALUATE, AND
THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SITE, INCLUDING WITHOUT
LIMITATION, ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY
MATERIALS AVAILABLE THROUGH THE SITE.

NONE OF THE COMPANY ENTITIES SHALL BE LIABLE FOR ANY INDIRECT,
INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND
in connection with the site, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY
OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS,
LOSS OR INTERRUPTION OF BUSINESS, LOSS OF USE, LOSS OF DATA, LOSS OF OTHER
INTANGIBLES, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION
WITH YOUR USE OF THE SITE, OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION
BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. IN
PARTICULAR, AND WITHOUT LIMITATION, THE COMPANY ENTITIES WILL NOT BE LIABLE FOR
DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR
FROM ANY CONTENT POSTED ON THE SITE BY ANY OF THE COMPANY ENTITIES OR BY ANY
THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE
IS TO STOP USING THE SITE. THE MAXIMUM LIABILITY OF THE COMPANY ENTITIES FOR
ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING
WITHOUT LIMITATION NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT, IF ANY,
PAID BY YOU TO US TO ACCESS AND USE THE SITE.

IT IS POSSIBLE THAT APPLICABLE LAW MAY NOT ALLOW FOR LIMITATIONS
ON CERTAIN IMPLIED WARRANTIES OR EXCLUSIONS OR LIMITATIONS OF CERTAIN DAMAGES;
SOLELY TO THE EXTENT THAT SUCH LAW APPLIES TO YOU, SOME OR ALL OF THE ABOVE
DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE
ADDITIONAL RIGHTS.

While we try to maintain the security of the Site, we do not
guarantee that the Site will be secure or that any use of the Site will be
uninterrupted. Additionally, third parties may make unauthorized alterations to
the Site. If you become aware of any unauthorized third party alteration to the
Site, contact us at [email protected] with a description of the material(s) at
issue and the URL or location of such material(s).

14. Indemnity. Except to the extent prohibited under applicable
law, You agree to defend, indemnify and hold harmless the Company Entities,
from and against all claims, losses, costs and expenses (including attorney’s
fees) arising out of (a) your use of, or activities in connection with, the
Site; (b) any violation or alleged violation of this Agreement by you; (c) any
use or other exploitation, or failure or omission to use or otherwise exploit,
any Submission (including any portion thereof) that you post; or (d) any claim
that your Submission or any use or exploitation thereof caused damage to or
infringed upon or violated the rights of a third party, including without
limitation past, present or future infringement, misappropriation, libel,
defamation, invasion of privacy or right of publicity or violation of rights
related to the foregoing.

15. Termination. This Agreement is effective until terminated.
This Agreement is effective until terminated. We may, at any time and for any
reason, terminate your access to or use of: (a) the Site, (b) your user name and
password or (c) any files or information associated with your user name and
password. Upon any such termination, your right to use the Site will
immediately cease. You agree that any termination of your access to or use of
the Site may be effected without prior notice, and that we may immediately
deactivate or delete your password and user name, and all related information
and files associated with it, and/or bar any further access to such information
or files. You agree that the Company Entities shall not be liable to you or any
third party for any termination of your access to the Site or to any such
information or files, and shall not be required to make such information or
files available to you after any such termination. Sections 2, 4(a), 4(b), 7-9,
11, 13-16 and 19-21 shall survive any expiration or termination of this
Agreement.

16. Governing Law; Jurisdiction. This Agreement is governed by
and shall be construed in accordance with the laws of the State of California,
U.S.A., without regard to its principles of conflicts of law. You agree to
exclusive jurisdiction of the federal and state courts located in Los Angeles
County, California, U.S.A., and waive any jurisdictional, venue or inconvenient
forum objections to such courts. You further agree that the United Nations
Convention on the International Sale of Goods will not apply to this Agreement.

17. Filtering. We hereby notify you that parental control
protections (such as computer hardware, software or filtering services) are
commercially available that may assist you in limiting access to material that
is harmful to minors. Information identifying current providers of such
protections is available on the two web-based services GetNetWise
(http://kids.getnetwise.org/) and OnGuard Online (http://onguardonline.gov/).
Please note that we do not endorse any of the products or services listed at
such sites.

18. Information or Complaints. If you have a question or
complaint regarding the Site or the meaning of application of this Agreement,
please send an email to [email protected]. You may also contact us by writing
to 2400 North Lincoln Avenue, Altadena, CA 91001. California residents may
reach the Complaint Assistance Unit of the Division of Consumer Services of the
California Department of Consumer Affairs by mail at 1625 North Market Blvd.,
Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
Please note that email communications will not necessarily be secure; accordingly,
you should not include information that you consider to be sensitive in your
email correspondence with us.

19. Claims of Copyright Infringement. The Digital Millennium
Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who
believe that material appearing on the Internet infringes their rights under
U.S. copyright law. If you believe in good faith that materials available on
the Site infringe your copyright, you (or your agent) may send us a notice
requesting that we remove the material or block access to it. If you believe in
good faith that someone has wrongly filed a notice of copyright infringement
against you, the DMCA permits you to send us a counter-notice. Notices and
counter-notices must meet the then-current statutory requirements imposed by
the DMCA. See http://www.copyright.gov/ for details. Notices and
counter-notices should be sent to:

Attn: Copyright Agent
950 Tower Lane, 6th Fl.,
Foster City, CA 94404
E-mail: [email protected]
Phone: (650) 578-7700Fax:
(650) 350-1423

We suggest that you consult your legal advisor before submitting
a notice or counter-notice.

20. Ability to Enter Into This Agreement. BY USING THE SITE, YOU
REPRESENT AND WARRANT THAT YOU ARE EITHER: (A) OF LEGAL AGE TO ENTER INTO THIS
AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS
AGREEMENT; OR (B) THE PARENT OR LEGAL GUARDIAN OF A CHILD UNDER THE LEGAL AGE
TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THIS AGREEMENT ON
BEHALF OF YOUR CHILD. If you are the parent or legal guardian of a child under
the legal age to enter into this Agreement, then, as used in this Agreement,
“you,” “yourself,” “your,” and “user” means and refers to you on behalf of
yourself and your child who is the user of the Site.

21. Miscellaneous. This Agreement does not, and shall not be construed
to, create any partnership, joint venture, employer-employee, agency or
franchisor-franchisee relationship between you and us. If any provision of this
Agreement is found to be unlawful, void or for any reason unenforceable, that
provision will be deemed severable from this Agreement and will not affect the
validity and enforceability of any remaining provision. You may not assign,
transfer or sublicense any or all of your rights or obligations under this
Agreement without our express prior written consent. We may assign, transfer or
sublicense any or all of our rights or obligations under this Agreement without
restriction. No waiver by either party of any breach or default hereunder will
be deemed to be a waiver of any preceding or subsequent breach or default. Any
heading, caption or section title contained herein is inserted only as a matter
of convenience, and in no way defines or explains any section or provision
hereof. This Agreement hereby incorporates by this reference any additional
terms that we post on the Site and, except as otherwise expressly stated
herein, this Agreement is the entire agreement between you and us relating to
the subject matter herein and supersedes any and all prior or contemporaneous
written or oral agreements or understandings between you and us relating to
such subject matter. Notices to you may be made via posting to the Site, by
e-mail, or by regular mail, in our discretion. The Site may also provide
notices of changes to this Agreement or other matters by displaying such
notices or by providing links to such notices. Without limitation, you agree
that a printed version of this Agreement and of any notice given in electronic
form shall be admissible in judicial or administrative proceedings based upon
or relating to this Agreement to the same extent and subject to the same
conditions as other business documents and records originally generated and
maintained in printed form. We will not be responsible for failures to fulfill
any obligations due to causes beyond our control.

Affiliate Disclaimer

Insurance Snoopers, Inc. is a web-based services created so you
can get the basic information about insurance protection. All information
presented on this site are not based upon ISI’s own research and findings, as
most of the information exhibited are derived from third-party entities. ISI is
not responsible for errors and omissions of any affiliate company. Furthermore,
there is no compulsion for the user/viewer to go with the information offered
by an affiliate or ISI.

Business Insurance Information Disclaimer

This is a web service that provides information only and is not
an insurance policy. It is not an offer of insurance. This information provided
contains some data about coverage, but it does not list all of the conditions
and exclusions that apply to any described coverage. The actual wording of a
policy governs all situations. This information is only available to person’s
resident in the State of California. The services described are subject to
change without notice at any time.

Additional Legal Disclaimers and Terms

Informational statements regarding insurance coverage are for
general description purposes only. These statements do not amend, modify,
endorse, or supplement any insurance policy. Consult the actual policy or your
insurance company, insurance agent, independent broker and/or insurance
producer for details regarding terms, conditions, coverage, exclusions,
products, services, and programs which may be available to you. Your
eligibility for particular products and services is subject to the final
determination of underwriting qualifications and acceptance by the insurance
underwriting company providing such products or services. This web-based
services do not make any representations that coverage does or does not exist
for any particular claim or loss, or type of claim or loss, under any policy.
Whether coverage exists or does not exist for any particular claim or loss
under any policy depends on the facts and circumstances involved in the claim
or loss and all applicable policy wording.

Terms

The following Terms and Conditions also apply to the use of this
web-based services as well as all transactions conducted through the site.

Legal Notice

All notices from Insurance Snoopers, Inc. to You may be posted
on our web-based services and will be deemed delivered within thirty (30) days
after posting. Notices from You to Insurance Snoopers, Inc. shall be made
either by e-mail, sent to the address we provide on our Web-based services, or
first class mail to our address at:

2400 North Lincoln Avenue
Altadena, California 91001

Delivery shall be deemed to have been made by you to Insurance
Snoopers, Inc. five (5) days after the date sent.

Copyright
All ISI service content appearing on this Web-based services is the property
of:

Insurance Snoopers, Inc.
2400 North Lincoln Avenue
Altadena, California 91001

Copyright © 2014-2018 Insurance Snoopers, Inc. All rights
reserved. As a user, you are authorized only to view, copy, print, and
distribute documents on this web-based services so long as (1) the document is
used for informational purposes only, and (2) any copy of the document (or
portion thereof) includes the following copyright notice: Copyright © 2014-2018
Insurance Snoopers, Inc. All rights reserved.

Trademarks

All brand, product, service, and process names appearing on this
web-based services are trademarks of their respective holders. Reference to or
use of a product, service, or process does not imply recommendation, approval,
affiliation, or sponsorship of that product, service, or process by Insurance
Snoopers, Inc. Nothing contained herein shall be construed as conferring by
implication, estoppel, or otherwise any license or right under any patent,
copyright, trademark, or other intellectual property right of Insurance
Snoopers, Inc. or any third party, except as expressly granted herein.

Use of Site

This site may contain other proprietary notices and copyright
information, the terms of which must be observed and followed. Information on
this site may contain technical inaccuracies or typographical errors.
Information, including product pricing and availability, may be changed or
updated without notice. Insurance Snoopers, Inc. and its subsidiaries reserve
the right to refuse service, terminate accounts, and/or cancel orders in its
discretion, including, without limitation, if Insurance Snoopers, Inc. believes
that customer conduct violates applicable law or is harmful to the interests of
Insurance Snoopers, Inc. and its subsidiaries.

Privacy Policy

Insurance Snoopers, Inc. use of personal information that you
may submit to Insurance Snoopers, Inc. through this web-based services are
governed by the Insurance Snoopers, Inc. Privacy Policy.

Warranties

The Content included in this web-based services has been
compiled from a variety of sources and is subject to change without notice as
are any products, programs, offerings, or technical information described in
this Web-based services. Insurance Snoopers, Inc. makes no representation or
warranty whatsoever regarding the completeness, quality, or adequacy of the web-based
services or Content, or the suitability, functionality, or operation of this web-based
services or its Content. By using this web-based services, you assume the risk
that the Content on this web-based services may be inaccurate, incomplete,
offensive, or may not meet your needs and requirements. Insurance Snoopers,
Inc. SPECIFICALLY DISCLAIMS ALL WARRANTIES, EXPRESS, OR IMPLIED, INCLUDING
WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, AND NON-INFRINGEMENT WITH RESPECT TO THESE WEB PAGES AND CONTENT. IN
NO EVENT WILL INSURANCE SNOOPERS, INC., BE LIABLE FOR ANY SPECIAL, INDIRECT,
INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES.

— OR Depending on State —

The information and content on this server is provided “as
is” with no warranty of any kind, either express or implied, including but
not limited to the implied warranties of merchantability, fitness for a
particular purpose, and non-infringement. Any warranty that is provided in
connection with any of the products and services described on this web-based
services is provided by the advertiser or manufacturer only, and not by
Insurance Snoopers, Inc.

The references and descriptions of products or services within
the web-based services materials are provided “as is” without any
warranty of any kind, either express or implied. Insurance Snoopers, Inc. is
not liable for any damages, including any consequential damages, of any kind
that may result to the user from the use of the materials on this Web-based
services or of any of the products or services described hereon.

The descriptions of, and references to, products, services and
companies on this web-based services are the sole responsibility of the
companies providing the information (“advertisers”), and not
Insurance Snoopers, Inc.

The inclusion of material on this server does not imply any
endorsement by Insurance Snoopers, Inc., which makes no warranty of any kind
with respect to the subject matter of the server materials advertised.

A possibility exists that the server materials could include
inaccuracies or errors. Additionally, a possibility exists that unauthorized
additions, deletions, and alterations could be made by third parties to the
server materials. Although Insurance Snoopers, Inc. tries to ensure the
integrity and the accurateness of the server materials, it makes no guarantees
about their correctness or accuracy. Before relying on any representation made
in any of the server materials, check with the advertiser of the product or
service to ensure that the information you are relying upon is correct.

Miscellaneous

VOID WHERE PROHIBITED:

Although the information on this web-based services is
accessible worldwide, not all products or services discussed in this web-based
services are available to all persons or in all geographic locations or
jurisdictions. Insurance Snoopers, Inc. and the advertisers each reserve the
right to limit the provision of their products or services to any person,
geographic area, or jurisdiction they so desire and to limit the quantities of
any products or services that they provide. Any offer for any product or
service made in the materials on this Web-based services is void where
prohibited.

GOVERNING LAW: In the event of Arbitration, both parties agree
that the Law of the State of business registration of Insurance Snoopers, Inc.
shall apply and both parties shall consent to the jurisdiction of said State’s
courts, or in the event of diversity of citizenship, the United States District
Court for the (District). Both parties expressly waive a trial by court or
jury, and all disputes will be resolve through Arbitration, in which the rules
and law are described herein this agreement.

MISCELLANEOUS: The Terms and Conditions constitute the entire
agreement between you and Insurance Snoopers, Inc. with respect to this web-based
services. The Terms and Conditions supersede all prior or contemporaneous
communications and proposals, whether electronic, oral, or written between you
and Insurance Snoopers, Inc. with respect to this Web-based services. No
modification of the Terms and Conditions shall be effective unless it is
authorized by Insurance Snoopers, Inc. If any provision of the Terms and
Conditions is found to be contrary to law, then such provision(s) shall be
constructed in a manner to closely reflect, as much as possible, the intentions
of the parties, with the other provisions remaining in full force and effect.

Public Disclosure and Disclaimer

Public Disclosure – from the California Department of Insurance

In the State of California, laws exist to ensure that government
is open and that the public has a right to access appropriate records and
information possessed by state government. At the same time, there are
exceptions to the public’s right to access public records. These exceptions
serve various needs including maintaining the privacy of individuals. Both
state and federal laws provide exceptions.

All information collected at the California Department of
Insurance web-based services becomes public record that may be subject to
inspection and copying by the public, unless an exemption in law exists. In the
event of a conflict between the Privacy Notice and the Public Records Act, the
Information Practices Act or other law governing the disclosure of records, the
Public Records Act, the Information Practices Act or other applicable law will control.

I AGREE TO AND ACCEPT THE ABOVE TERMS AND CONDITIONS FOR MY
ACCESS TO THE ISI WEB-BASED SERVICES _________

I Agree & Continue I Disagree