InsuranceSplash ("Review Our Agency") operates reviewouragency.com and may operate other websites. It is Review Our Agency's policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, Review Our Agency collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Review Our Agency's purpose in collecting non-personally identifying information is to better understand how Review Our Agency's visitors use its website. From time to time, Review Our Agency may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Review Our Agency also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on reviewouragency.com sites. Review Our Agency only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to Review Our Agency's websites choose to interact with Review Our Agency in ways that require Review Our Agency to gather personally-identifying information. The amount and type of information that Review Our Agency gathers depends on the nature of the interaction. For example, we ask visitors who sign up at reviewouragency.com to provide a username and email address. Those who engage in transactions with Review Our Agency are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Review Our Agency collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Review Our Agency. Review Our Agency does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

To request removal of your data please contact [email protected].

Aggregated Statistics

Review Our Agency may collect statistics about the behavior of visitors to its websites. Review Our Agency may display this information publicly or provide it to others. However, Review Our Agency does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Review Our Agency discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Review Our Agency's behalf or to provide services available at Review Our Agency's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Review Our Agency's websites, you consent to the transfer of such information to them. Review Our Agency will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Review Our Agency discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Review Our Agency believes in good faith that disclosure is reasonably necessary to protect the property or rights of Review Our Agency, third parties or the public at large. If you are a registered user of an Review Our Agency website and have supplied your email address, Review Our Agency may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Review Our Agency and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Review Our Agency takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Review Our Agency uses cookies to help Review Our Agency identify and track visitors, their usage of Review Our Agency website, and their website access preferences. Review Our Agency visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Review Our Agency's websites, with the drawback that certain features of Review Our Agency's websites may not function properly without the aid of cookies.

Business Transfers

If Review Our Agency, or substantially all of its assets, were acquired, or in the unlikely event that Review Our Agency goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Review Our Agency may continue to use your personal information as set forth in this policy.

Privacy Policy Changes

Although most changes are likely to be minor, Review Our Agency may change its Privacy Policy from time to time, and in Review Our Agency's sole discretion. Review Our Agency encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a reviewouragency.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

The following terms and conditions govern all use of the reviewouragency.com website and all content, services and products available at or through the website (taken together, the Website). The Website is owned and operated by InsuranceSplash ("Review Our Agency"). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Review Our Agency's Privacy Policy) and procedures that may be published from time to time on this Site by Review Our Agency (collectively, the "Agreement").

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Review Our Agency, acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 18 years old.

1. Your reviewouragency.com Account and Site. If you create a site on the Website, you are responsible for maintaining the security of your account and site, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the account. You must not describe or assign keywords to your site in a misleading or unlawful manner, including in a manner intended to trade on the name or reputation of others, and Review Our Agency may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise likely to cause Review Our Agency liability. You must immediately notify Review Our Agency of any unauthorized uses of your site, your account or any other breaches of security. Review Our Agency will not be liable for any acts or omissions by You, including any damages of any kind incurred as a result of such acts or omissions.
2. Responsibility of Contributors. If you operate a site, comment on a site, post material to the Website, post links on the Website, or otherwise make (or allow any third party to make) material available by means of the Website (any such material, "Content"), You are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that:
   • the downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
   • if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
   • you have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;
   • the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
   • the Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
   • the Content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;
   • your site is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other web sites, and similar unsolicited promotional methods;
   • your site is not named in a manner that misleads your readers into thinking that you are another person or company. For example, your site's URL or name is not the name of a person other than yourself or company other than your own; and
   • you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by Review Our Agency or otherwise.

   By submitting Content to Review Our Agency for inclusion on your Website, you grant Review Our Agency a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the Content solely for the purpose of displaying, distributing and promoting your site. If you delete Content, Review Our Agency will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable.

   Without limiting any of those representations or warranties, Review Our Agency has the right (though not the obligation) to, in Review Our Agency's sole discretion (i) refuse or remove any content that, in Review Our Agency's reasonable opinion, violates any Review Our Agency policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the Website to any individual or entity for any reason, in Review Our Agency's sole discretion. Review Our Agency will have no obligation to provide a refund of any amounts previously paid.

3. Payment and Renewal.
   • General Terms.
     By selecting a product or service, you agree to pay Review Our Agency the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications). Subscription payments will be charged on a pre-pay basis on the day you sign up for an Upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. Payments are not refundable.
   • Automatic Renewal.
     Unless you notify Review Our Agency before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled at any time by submitting your request to Review Our Agency in writing.
4. Services.
   • Fees; Payment. By signing up for a Services account you agree to pay Review Our Agency the applicable setup fees and recurring fees. Applicable fees will be invoiced starting from the day your services are established and in advance of using such services. Review Our Agency reserves the right to change the payment terms and fees upon thirty (30) days prior written notice to you. Services can be canceled by you at anytime on thirty (30) days written notice to Review Our Agency.
   • Support. If your service includes access to priority email support. "Email support" means the ability to make requests for technical support assistance by email at any time (with reasonable efforts by Review Our Agency to respond within one business day) concerning the use of the VIP Services. "Priority" means that support takes priority over support for users of the standard or free reviewouragency.com services. All support will be provided in accordance with Review Our Agency standard services practices, procedures and policies.
5. Responsibility of Website Visitors. Review Our Agency has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material's content, use or effects. By operating the Website, Review Our Agency does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. Review Our Agency disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.
6. Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which reviewouragency.com links, and that link to reviewouragency.com. Review Our Agency does not have any control over those non-Review Our Agency websites and webpages, and is not responsible for their contents or their use. By linking to a non-Review Our Agency website or webpage, Review Our Agency does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Review Our Agency disclaims any responsibility for any harm resulting from your use of non-Review Our Agency websites and webpages.
7. Copyright Infringement and DMCA Policy. As Review Our Agency asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by reviewouragency.com violates your copyright, you are encouraged to notify Review Our Agency in accordance with Review Our Agency's Digital Millennium Copyright Act ("DMCA") Policy. Review Our Agency will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. Review Our Agency will terminate a visitor's access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Review Our Agency or others. In the case of such termination, Review Our Agency will have no obligation to provide a refund of any amounts previously paid to Review Our Agency.
8. Intellectual Property. This Agreement does not transfer from Review Our Agency to you any Review Our Agency or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Review Our Agency. Review Our Agency, reviewouragency.com, the reviewouragency.com logo, and all other trademarks, service marks, graphics and logos used in connection with reviewouragency.com, or the Website are trademarks or registered trademarks of Review Our Agency or Review Our Agency's licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any Review Our Agency or third-party trademarks.
9. Attribution. Review Our Agency reserves the right to display attribution links such as 'Powered by reviewouragency.com,' theme author, and font attribution in your site footer or toolbar.
10. Partner Products. By activating a partner product (e.g. theme) from one of our partners, you agree to that partner's terms of service. You can opt out of their terms of service at any time by de-activating the partner product.
11. Domain Names. If you are registering a domain name, using or transferring a previously registered domain name, you acknowledge and agree that use of the domain name is also subject to the policies of the Internet Corporation for Assigned Names and Numbers ("ICANN"), including their Registration Rights and Responsibilities.
12. Changes. Review Our Agency reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Review Our Agency may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.
    
13. Termination. Review Our Agency may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your reviewouragency.com account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by Review Our Agency if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Review Our Agency's notice to you thereof; provided that, Review Our Agency can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
    
14. Disclaimer of Warranties. The Website is provided "as is". Review Our Agency and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Review Our Agency nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.
15. Limitation of Liability. In no event will Review Our Agency, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Review Our Agency under this agreement during the twelve (12) month period prior to the cause of action. Review Our Agency shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.
16. General Representation and Warranty. You represent and warrant that (i) your use of the Website will be in strict accordance with the Review Our Agency Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.
17. Indemnification. You agree to indemnify and hold harmless Review Our Agency, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys' fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.
18. Miscellaneous. This Agreement constitutes the entire agreement between Review Our Agency and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Review Our Agency, or by the posting by Review Our Agency of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of , , excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in , or the surrounding county. Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. ("JAMS") by three arbitrators appointed in accordance with such Rules. The arbitration shall take place in , , in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys' fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Review Our Agency may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.