Neoticks Web Site Agreement

The www.homeownersinsurancereviews.com Site (the “Site”) is an online information service provided by Neoticks (“www.homeownersinsurancereviews.com “), subject to your compliance with the terms and conditions set forth below. PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE SITE. www.homeownersinsurancereviews.com MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT ON THE SITE. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.

1. Copyright, Licenses and Idea Submissions.
The entire contents of the Site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are www.homeownersinsurancereviews.com, its affiliates or other third party licensors. YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE SITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to www.homeownersinsurancereviews.com a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to www.homeownersinsurancereviews.com by all means and in any media now known or hereafter developed. You also grant to www.homeownersinsurancereviews.com the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against www.homeownersinsurancereviews.com for any alleged or actual infringement or misappropriation of any proprietary right in your communications to www.homeownersinsurancereviews.com.
TRADEMARKS.
Publications, products, content or services referenced herein or on the Site are the exclusive trademarks or servicemarks of www.homeownersinsurancereviews.com. Other product and company names mentioned in the Site may be the trademarks of their respective owners.

2. Use of the Site.
You understand that, except for information, products or services clearly identified as being supplied by www.homeownersinsurancereviews.com, www.homeownersinsurancereviews.com does not operate, control or endorse any information, products or services on the Internet in any way. Except for www.homeownersinsurancereviews.com- identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties, that are not affiliated with www.homeownersinsurancereviews.com a. You also understand that www.homeownersinsurancereviews.com cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.
YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. www.homeownersinsurancereviews.com PROVIDES THE SITE AND RELATED INFORMATION “AS IS” AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND www.homeownersinsurancereviews.com SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. www.homeownersinsurancereviews.com DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.
YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. www.homeownersinsurancereviews.com HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS.
LIMITATION OF LIABILITY

IN NO EVENT WILL www.homeownersinsurancereviews.com BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF www.homeownersinsurancereviews.com OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, www.homeownersinsurancereviews.com LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
www.homeownersinsurancereviews.com makes no representations whatsoever about any other web site which you may access through this one or which may link to this Site. When you access a non-www.homeownersinsurancereviews.com web site, please understand that it is independent from www.homeownersinsurancereviews.com, and that www.homeownersinsurancereviews.com has no control over the content on that web site. In addition, a link to a www.homeownersinsurancereviews.com web site does not mean that www.homeownersinsurancereviews.com endorses or accepts any responsibility for the content, or the use, of such web site.

3. Indemnification.
You agree to indemnify, defend and hold harmless www.homeownersinsurancereviews.com, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

4. Third Party Rights.
The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of www.homeownersinsurancereviews.com and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

5.Term; Termination.
This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.

6.       Your responsibility: Conduct and Content.
You have sole responsibility and consequences for the content of all ratings that are posted by you in www.homeownersinsurancereviews.com.  We do not assume responsibility for the accuracy of any posted rating. We do, however, reserve the right at our sole discretion to refuse to post any message that violates the rules as listed on the Site.

You agree not to use the Site for forwarding junk mail, solicitations or bulk mailings. You further agree not to use the Site for any message that is unlawful, threatening, tortious, defamatory, harassing, abusive, obscene, profane, libelous, ethnically or sexually objectionable, harmful to minors, or in violation of state or federal criminal or civil law. You agree not to impersonate any other person or entity, including any owner or employee of www.homeownersinsurancereviews.com.

7. Use of Information
We reserve the right at our sole discretion to edit or delete any documents, information or other content appearing on the Site. We reserve the right, and you authorize us, to the use and assignment of all information regarding Site uses by you and all information provided by you in any manner consistent with our Privacy Policy.

8.Miscellaneous.
This Agreement shall all be governed and construed in accordance with the laws of The United States of America applicable to agreements made and to be performed in The United States of America. You agree that any legal action or proceeding between www.homeownersinsurancereviews.com and you for any purpose shall be brought exclusively in Fairfax county of the state of Virginia. Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. www.homeownersinsurancereviews.com’s failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. www.homeownersinsurancereviews.com may assign its rights and duties under this Agreement to any party at any time without notice to you.
Any rights not expressly granted herein are reserved.


Legal Matters

In case if you are considering a law suit against this site, please read this page first!

The Supreme Court of the United States has held that anonymity of speech is protected under the First Amendment to the Constitution (see McIntyre v. Ohio, 514 U.S. at 337; Talley v. State of California, 362 U.S. 60). United States courts also recognize the right to speak anonymously – AND have held that the right extends to speech on the Internet. When courts have ordered disclosure of the name of an anonymous user, a litigant must show that its need for identifying information outweighs the user’s constitutional right. www.homewarrantyreviews.com recognizes this right to anonymity of our users.

Further, as per Electronic Frontier Foundation,

Anyone questioning the legality of anonymous postings on an internet site should familiarize himself or herself with 47 USC Section 230, the federal law that permits many entities to “host” other people’s content without being liable for defamation/libel etc. “By its plain language, § 230 creates a federal immunity to any cause of action that would make service providers liable for information originating with a third-party user of the service.” Zeran v. AOL, 129 F.3d 327, 330 (4th Cir. 1997). Under 230(c)(2)(A). No provider or user of an interactive computer service shall be treated as the publisher or speaker of any information provided by another information content provider.

However, we reserve the right remove inappropriate comments as justified by the law

(2) Civil liability.–No provider or user of an interactive computer service shall be held liable on account of– “(A) any action voluntarily taken in good faith to restrict access to or availability of material that the provider or user considers to be obscene, lewd, lascivious, filthy, excessively violent, harassing, or otherwise objectionable, whether or not such material is constitutionally protected.

Reference
The following links may provide some useful information


Privacy policy

Updated on December 12, 2011

This Privacy Statement (“Statement“) describes the personal information we collect through our website (the “Site“), and how we collect and use it. The terms “we“, “us“, and “Site” refer to Homeownersinsurancereviews.com

I. Information We Collect and How We Use It

Account information and Activity Data. We ask for and store information about you when you post messages on the Site bulletin board, such as your email address and IP address. We also automatically store information related to your use of the Site, such as the pages you view on the Site, your browser type, IP address, date and time of your visit and other information volunteered by you. We use this type of information to administer the Site and provide the highest possible level of service to you. We also use this information in the aggregate to perform statistical analyses of user behavior and characteristics in order to measure interest in and use of the various areas of the Site.

Public content. You can contribute to the Site in a number of different ways, including writing reviews, participating in talk threads and voting on other users’ contributions. We may store these contributions (your “Public Content“), display them to other users, and use them for promotional purposes. Note that if you include personally identifiable information in your Public Content, it can be used and viewed by others. Site has the authority to remove any and all personally identifiable information from your Public Content but we are not responsible for the information you choose to include in your Public Content.

Cookies. We send cookies to your computer in order to uniquely identify your browser and improve the quality of our service. “Cookies” refer to small pieces of information that a website sends to your computer’s hard drive while you are viewing the Site. We enable some of our business partners to use cookies in conjunction with your use of the Site. We have no access to or control over the use of these cookies. These cookies collect information about your use of the Site. You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites.

Feedback. You should feel free to give us feedback, register a complaint, or ask questions about the Site. We may store your communications, including any personal information you include in them, so that we can effectively respond to you. None of the Feedback you provide will be considered confidential information and Site may use such information freely to improve services offered.

Administration. We may use the information described above for routine administrative purposes, such as investigating abuses on the Site, responding to user inquiries and enforcing and applying our Terms of Use.

II. Transfer of Information

Third party advertising. Third parties serve some of the ads on the Site (such as Google through the Google AdSense program). We do not send any personably identifiable information to them, but they may have access to information that they obtain through cookies or that you share with them yourself such as your IP address, your ISP, the browser you used to access our Site and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites). You can opt-out of some these practices by visiting the Network Advertising Initiative’s opt-out page, and Omniture’s opt-out page

Aggregate information. We may share non-personal information in the aggregate to third parties relating to user behavior in connection with actual or prospective business relationship with those third parties, such as advertisers and content distributors. For example, we may disclose the number of users that have been exposed to, or clicked on, advertising banners.

Site Visitors. Upon request we provide site visitors with access to contact information (e.g., name, address, phone number) that we maintain about them. Consumers can access this information by e-mailing us at the address stated below.

Investigations. We reserve the right to investigate abuses on the Site, and enforce and apply our Terms of Use. We may disclose information about you to third parties if we have a good faith belief that such disclosure is reasonably necessary to (a) take action regarding suspected illegal activities; (b) enforce or apply our Terms of Use; (c) comply with legal process and law enforcement instructions and orders, such as a search warrant, subpoena, statute, judicial proceeding, or other legal process served on us; or (d) protect our rights, reputation, and property, or that of our users, affiliates, or the public.

III. Security

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

IV. Dispute Resolution

If you believe that Site has not adhered to this Privacy Policy you may write to the Site administrator at support@homeownersinsurancereviews.com

V. Modifications to this Policy

The most current version of the Privacy Policy will govern our use of your information and will always be located here. If we make a change to this Policy that, in our sole discretion, is material, we will notify you either by prominently posting a notice of such changes prior to implementing the change on the Site. By continuing to access or use the Services after those changes become effective, you agree to be bound by the revised Statement.