InsuranceBulletins.com -- Subscription Terms and Conditions

Croneal Consulting Group

"Providing information and research services when you need them."

User Agreement for InsuranceBulletins.com

1. Agreement and General Terms of Use

1.1 This User Agreement constitutes the agreement between Croneal Consulting Group and the subscriber or user ("you," "your," "user," "visitor," "basic member," "full member") who accesses or establishes a connection to InsuranceBulletins.com. InsuranceBulletins.com is an online subscription-based repository database providing its members with access to a comprehensive library of bulletins released by state insurance departments from at least 50 jurisdictions. "You," "your," "user," "visitor," "basic member," or "full member," means an adult user of InsuranceBulletins.com for itself and you as parent or guardian for any minor which you allow to access InsuranceBulletins.com, for whom you will be held strictly responsible. A "basic member" is a member who has registered on the Croneal Consulting Group site but only has free access to specific parts of InsuranceBulletins.com. A "full member" has registered on the site and has paid for unlimited access to the entire components of InsuranceBulletins.com.

1.2 You agree to abide by all of the provisions in this Agreement in order to remain an authorized user of InsuranceBulletins.com, and your use of InsuranceBulletins.com constitutes your agreement to abide by these provisions. Distribution of your user name or password to unauthorized persons (excluding employees of the same company) for access to InsuranceBulletins.com is prohibited and may result in termination of your account or other liability. Your use of InsuranceBulletins.com indicates that you are bound by this agreement with us. If you do not agree with any of these terms and conditions, discontinue use of InsuranceBulletins.com.

1.3 Croneal Consulting Group reserves the right, in its sole discretion, to change any or all of the provisions of this Agreement at any time. Croneal Consulting Group will make the current Agreement available as a link on its subscription page for InsuranceBulletins.com. The Agreement in effect at the time of your use of InsuranceBulletins.com shall govern your use of InsuranceBulletins.com after the effective date of any changes to this Agreement will be deemed your acceptance of the changes. If you do not want to be bound by a change, discontinue use of InsuranceBulletins.com.

1.4 Croneal Consulting Group reserves the right, in its sole discretion, to change, limit, or discontinue any aspect, content, tool, or feature that is a part of InsuranceBulletins.com. Croneal Consulting Group further reserves the right, in its sole discretion, to restrict the use of InsuranceBulletins.com as well as suspend or revoke your rights to use InsuranceBulletins.com based on Croneal Consulting Group's belief that your use of InsuranceBulletins.com violates that permitted by this Agreement or applicable law.

1.5 IF YOU DO NOT AGREE TO THE PROVISIONS OF THIS AGREEMENT OR ARE NOT SATISFIED WITH INSURANCEBULLETINS.COM, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE YOUR USE OF INSURANCEBULLETINS.COM.

2. Subscription, Fees and Payments, Free Trial Use

2.1 As part of the subscription process, you will be e-mailed a username and a password granting you access to Croneal Consulting Group's InsuranceBulletins.com. You will be responsible for the confidentiality and use of your username and password and agree not to transfer or resell your use of or access to InsuranceBulletins.com to any third-party. YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR USERNAME AND PASSWORD AND ENTIRELY RESPONSIBLE FOR ANY AND ALL ACTIVITIES THAT ARE CONDUCTED THROUGH YOUR ACCOUNT.

2. 2 If you become a paid member ("subscriber, subscribers, member, members,") of any of InsuranceBulletins.com, you will be bound by the payment terms set forth herein.

2.3 Except as set forth herein or as described by offers we make from time to time, access to the entire InsuranceBulletins.com requires payment. If you subscribe, you must provide accurate, complete and updated subscriber information. You will pay Croneal Consulting Group for all fees, charges, and any applicable taxes, associated with InsuranceBulletins.com in accordance with the current rates, payment terms, and policies specified by Croneal Consulting Group in the applicable InsuranceBulletins.com enrollment screens and online help areas. You acknowledge that you will pay Croneal Consulting Group all such fees, charges, and applicable taxes for InsuranceBulletins.com where enrollment in InsuranceBulletins.com has been made using your credit card or other means, whether made by you personally or by someone else in your household or organization on your behalf. If you enroll in InsuranceBulletins.com using a credit card, you certify to Croneal Consulting Group that you are at least 18 years of age and that you are the cardholder of the credit card, or that you are certifiably at least 13 years of age and expressly authorized by the cardholder to enroll in InsuranceBulletins.com.

2.4 You further acknowledge that your obligation to pay Croneal Consulting Group all such fees, charges, and applicable taxes for InsuranceBulletins.com does not depend on usage of InsuranceBulletins.com, and that you remain obligated to pay Croneal Consulting Group for InsuranceBulletins.com regardless of whether InsuranceBulletins.com is used or not. Unless you enroll as part of a free trial, your obligation to pay for InsuranceBulletins.com begins on the date of your enrollment in InsuranceBulletins.com, not the date of your first use of InsuranceBulletins.com. If made available, free trial or free access periods to use InsuranceBulletins.com also begin on the date of your enrollment in the free trial for InsuranceBulletins.com, and not the date of your first use of it.

You may not cancel your subscription to InsuranceBulletins.com mid-term after enrollment. However, you can decide not to renew your subscription after it automatically terminates after a one-year period.

2.5 The price you pay for InsuranceBulletins.com is stipulated at the time you enroll in such InsuranceBulletins.com and is valid for the initial period for which you enrolled in InsuranceBulletins.com. Croneal Consulting Group reserves the right to change the price paid for a monthly or annual subscription after the initial enrollment period.

2.6 If you obtained your subscription through a corporate subscription or other promotional code, you must comply with the terms of that subscription. You agree not to disclose your promotional code to other persons. Croneal Consulting Group reserves the right to cancel a subscription redeemed through a corporate subscription or other promotional code if we determine that the user of the promotional code was not the intended recipient of that code. We also reserve the right to seek compensation from individuals who share or disseminate their promotion codes contrary to this policy.

3. Trademark

3.1InsuranceBulletins.com and all content and tools provided by Croneal Consulting Group on InsuranceBulletins.com are protected by copyright, trademark and/or other applicable intellectual property and proprietary rights laws and are owned, controlled, and/or licensed by Croneal Consulting Group. All trademarks appearing on InsuranceBulletins.com are the property of their respective owners. You agree not to use any trademarks or copyrighted material without express written permission of Croneal Consulting Group.

3.2 If you operate a web site and wish to link to InsuranceBulletins.com, you must link to InsuranceBulletins.com's home page unless permission otherwise has been granted in writing by Croneal Consulting Group. You can contact Croneal Consulting Group for this permission. Croneal Consulting Group reserves the right to reject or terminate any links to InsuranceBulletins.com. While our web site may have links to the web sites of other companies and parties, Croneal Consulting Group has no control over those web sites. Croneal Consulting Group is not responsible or liable for any content, advertising, products, services or other materials on or available from those web sites. Croneal Consulting Group is not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, advertising, products, services or other materials on those web sites.

3.3 You may search, retrieve, display, download to your area on InsuranceBulletins.com, and print content from InsuranceBulletins.com solely for your personal or business use. You may not download electronic copies of our content for any purpose other than those permitted by Fair Use or otherwise by law. You shall make no other use of the content without the express written permission of Croneal Consulting Group. You will not modify, publish, distribute, transmit, participate in the transfer or sale, translate, create derivative works, or in any way exploit other than as set forth herein, any of the content, tools or technology, in whole or in part, found on InsuranceBulletins.com. Further, you shall not engage in any systematic downloading or other activity directed towards any of the content, in whole or in part, found on InsuranceBulletins.com that would create any electronic database or archive containing such content. You shall not make any changes to any content that you are permitted to use under this Agreement, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You also will not "frame" any of the content, tools or technology on InsuranceBulletins.com or InsuranceBulletins.com themselves without the express written permission of Croneal Consulting Group. You agree that you do not acquire any ownership rights in any downloaded content. You further agree that all rights in InsuranceBulletins.com and any of the content found on InsuranceBulletins.com not granted to you under this Agreement are expressly reserved to Croneal Consulting Group and/or its licensors.

3.4 In searching InsuranceBulletins.com, you shall not employ any automated search tools, including so called "crawlers," "bots" and "spiders" that programmatically access and extract content in order to repurpose or resell InsuranceBulletins.com content and tools, nor may you "scrape" and/or reformat any information off InsuranceBulletins.com HTML pages or XML interface, including meta tags, results pages, abstracts, and documents except as permitted by our FAQs without the express written permission of Croneal Consulting Group.

4. User Activities and Privacy of User Information on InsuranceBulletins.com

4.1 You will use InsuranceBulletins.com and any tools, content, material, or information found on InsuranceBulletins.com solely for lawful purposes. You shall not upload to, distribute to or through, or otherwise disseminate through InsuranceBulletins.com any material or information of any kind that is libelous, defamatory, obscene, pornographic, abusive, or otherwise violates any law or infringes or violates any privacy or other rights of any other person or entity, or contains a solicitation of funds, advertising, or a solicitation for goods or services.

4.2 Croneal Consulting Group has no obligation to, and does not and cannot, review every item of material or information that you and users other than you make available through InsuranceBulletins.com, and Croneal Consulting Group is not responsible for any content of this material or information. However, Croneal Consulting Group reserves the right to delete, move, or edit any material or information that it deems, in its sole discretion, unacceptable, libelous, defamatory, obscene, pornographic, abusive, or otherwise in violation of any law or that infringes or violates any privacy or other rights of any person or entity. Further, Croneal Consulting Group reserves the right at all times to disclose any material or information as necessary to satisfy any law, regulation, or governmental request.

5. Disclaimer of Warranties & Limitation of Liability

5.1 YOU EXPRESSLY AGREE THAT USE OF INSURANCEBULLETINS.COM IS AT YOUR SOLE RISK. NEITHER Croneal Consulting Group NOR ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR LICENSORS (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS) WARRANT THAT INSURANCEBULLETINS.COM WILL BE UNINTERRUPTED OR ERROR FREE OR THAT THEY WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF INSURANCEBULLETINS.COM, OR AS TO THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENTS OF ANY CONTENT, INFORMATION, MATERIAL, POSTINGS, OR POSTING RESPONSES FOUND ON INSURANCEBULLETINS.COM, ANY MERCHANDISE OR INSURANCEBULLETINS.COM PROVIDED THROUGH INSURANCEBULLETINS.COM, OR ANY LINKS TO OTHER SITES OR INSURANCEBULLETINS.COM MADE AVAILABLE ON INSURANCEBULLETINS.COM.

5.2 INSURANCEBULLETINS.COM, ALL TOOLS, CONTENT, MATERIAL, INFORMATION, POSTINGS, OR POSTING RESPONSES FOUND ON INSURANCEBULLETINS.COM ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

5.3 UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR GROSS OR WILLFUL NEGLIGENCE, SHALL CRONEAL CONSULTING GROUP (OR ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR LICENSORS (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS), BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, ANY CONTENT, INFORMATION, MATERIAL, POSTINGS, OR POSTING RESPONSES ON INSURANCEBULLETINS.COM, OR INSURANCEBULLETINS.COM ITSELF. THESE LIMITATIONS APPLY REGARDLESS OF WHETHER THE PARTY LIABLE OR ALLEGEDLY LIABLE WAS ADVISED, HAD OTHER REASON TO KNOW, OR IN FACT KNEW OF THE POSSIBILITY OF SUCH DAMAGES. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT CRONEAL CONSULTING GROUP (AND ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS), IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER, INCLUDING YOU. IN NO EVENT SHALL THE TOTAL LIABILITY OF CRONEAL CONSULTING GROUP (OR ANY OF ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, DISTRIBUTORS, THIRD-PARTY CONTENT PROVIDERS, OR LICENSORS (AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS)) TO YOU EXCEED THE AMOUNT PAID BY YOU TO CRONEAL CONSULTING GROUP DURING THE TWELVE (12) MONTHS PRIOR TO ANY CLAIM OF INJURY OR DAMAGE.

6. Indemnification

6.1 To the maximum extent permitted by applicable law, you will defend, indemnify and hold harmless Croneal Consulting Group (and any of its parents, subsidiaries, affiliates, directors, officers, employees, agents, distributors, third-party providers, and licensors (and their respective directors, officers, employees, and agents)) from and against all claims, liability, and expenses, including attorneys' fees and legal fees and costs, arising out of your use of InsuranceBulletins.com or your breach of any provision of this Agreement. Croneal Consulting Group reserves the right, in its sole discretion and at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You will cooperate as fully as reasonably required in the defense of any claim.

7. Third-Party Content, Third-Party Providers, Advertising and Links

7.1 InsuranceBulletins.com includes a number of third-party providers for content. Croneal Consulting Group makes no warranty concerning content provided by third-party providers.

7.2 Parts of InsuranceBulletins.com may also contain advertising or other third-party content. Advertisers are responsible for ensuring that material submitted for inclusion with InsuranceBulletins.com complies with international and national law. Croneal Consulting Group is not responsible for any third-party content or error, omission or inaccuracy in any advertising material. InsuranceBulletins.com may contain links to other web sites. Croneal Consulting Group is not responsible for the availability of these web sites or their contents.

8. Site Security

8.1 You may not violate or attempt to violate the security of InsuranceBulletins.com, including by, without limitation (a) accessing data not intended for you or logging into a server or account with you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with InsuranceBulletins.com to any user, host or network, including, without limitation, via means of submitting a virus to InsuranceBulletins.com, overloading, conducting "denial of InsuranceBulletins.com attacks", "flooding", "spamming", "mail bombing" or "crashing", (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, (e) forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting, or (f) attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of InsuranceBulletins.com. Violations of system or network security may result in civil or criminal liability. Croneal Consulting Group will investigate occurrences which may violate such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

8.2 Fraud Policies and Information WARNING: We take fraud seriously. It is a crime to purchase any part of this InsuranceBulletins.com with a false name or with the use of an invalid credit card. (An invalid credit card is one that is created for the sole purpose of purchasing items or services illegally or using a credit card or its information, via theft or unauthorized use.) It is also illegal to misuse the charge back process to take advantage of InsuranceBulletins.com. If you are a victim of fraud or if you are a perpetrator, be aware that we will actively pursue and prosecute fraud offenders to the fullest extent of the law.

9. Contacting Us

9.1 You may contact us at customerservice@cronealconsultinggroup.com. If a response is necessary, we will contact you by sending electronic mail to the address you provide to us, or by posting a notice on InsuranceBulletins.com. This will never serve as legal notice or effective notice for cancellation purposes, all of which are governed by the above sections.

10. Termination

10.1 Croneal Consulting Group may terminate this Agreement and your use of InsuranceBulletins.com, or discontinue InsuranceBulletins.com, at any time. Croneal Consulting Group shall have the right immediately upon notice to you to terminate your use of InsuranceBulletins.com in the event of any conduct by you which Croneal Consulting Group, in its sole discretion, considers to be unacceptable, or in the event of any breach by you of this Agreement or violation of applicable law. In such event you will not be entitled to any refunds for unused services.

11. Law Governing Performance and Disputes

11.1 This Agreement, your performance under it, and any disputes arising under it shall be governed exclusively by the laws of the United States of America and the State of Illinois, without giving effect to their conflict of laws principles. You expressly consent to the exclusive forum, jurisdiction, and venue of the Courts of the State of Illinois in Cook County and the United States District Court for the Northern District of Illinois in any and all actions, disputes, or controversies relating to this Agreement.

12. General Terms

12.1 This Agreement and any policies and rules posted on InsuranceBulletins.com by Croneal Consulting Group constitute the complete and exclusive and final expression of the agreement of the parties with respect to the subject matter hereof. No waiver by either Croneal Consulting Group or you of any breach or default under this Agreement shall be deemed to be a waiver of any preceding or subsequent breach or default. This Agreement shall be binding upon and inure to the benefit of Croneal Consulting Group and its successors, trustees, and assigns. Croneal Consulting Group may assign this Agreement, or any of its rights or obligations under this Agreement, with or without notice to you. Any such assignment by Croneal Consulting Group does not relieve you of your obligations under this Agreement.

12.2 By submitting comments, you grant Croneal Consulting Group and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Croneal Consulting Group and its affiliates and sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that use of the content you supply will not cause injury to any person or entity; and that you will indemnify Croneal Consulting Group or its affiliates for all claims resulting from the content that you supply, in accordance with Section 6 of this User Agreement.

12.3 You are advised that the content displayed within InsuranceBulletins.com is the property of third parties and may be protected by copyright and other applicable laws.