TERMS OF USE

By visiting or using the reinsured.com web site (the "Web Site"), the user ("User") agrees to be bound by these Terms of Use and that such agreement constitutes a binding contact between User and InterTechniques, Inc. If User does not wish to be bound by these Terms of Use, the User should not visit or use the Web Site.

Although InterTechniques, Inc. has made reasonable efforts to place accurate information on this Web Site, InterTechniques, Inc. assumes no responsibility for the accuracy of the information. InterTechniques, Inc. PROVIDES THIS WEB SITE CONTENT "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT ALLOWED BY LAW. INTERTECHNIQUES, INC. FURTHER DISCLAIMS ALL OTHER WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. INTERTECHNIQUES, INC. DOES NOT WARRANT UNINTERRUPTED OR ERROR FREE FUNCTIONS CONTAINED IN THIS SITE OR ITS CONTENT OR THAT THE WEB SITE OR ITS SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

INTERTECHNIQUES, INC. SHALL NOT BE LIABLE FOR DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES RESULTING FROM THE USE OR INABILITY TO USE THIS SITE, WHETHER OR NOT INTERTECHNIQUES, INC. HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES. THIS INCLUDES DAMAGES FOR NEGLIGENCE OR GROSS NEGLIGENCE. THIS PROVISION IS SUBJECT TO POSSIBLE LIMITATION UNDER STATE LAW.

User agrees to indemnify and hold harmless InterTechniques, Inc., at User's sole expense, against any claim, action, legal proceeding, damages, liability, settlements, expenses (including attorneys' fees) and other costs relating to (i) breach of any of these terms by any party; (ii) User's negligence or misconduct, or (iii) claims that User has infringed the copyright, trademark, trade secret, patent, or other proprietary right of a third party.

All designs, graphics, text, arrangements, and software that make up this Web Site are Copyright (c) InterTechniques, Inc. All rights reserved.

InterTechniques, Inc. grants User permission to copy and/or print portions of this Web Site for personal use. All other uses, including, for example, modifying, distributing, or republishing, are strictly prohibited without InterTechniques, Inc. prior written permission.

All trademarks, service marks, logos, or other corporate identifications (collectively, "Marks") on this Web Site are trademarks or service marks of InterTechniques, Inc. or another entity. Use agrees not to use, copy, reproduce, republish, upload, post, transmit, distribute, or modify these Marks in any way. The use of these Marks on or as a link to any other Web Site is strictly prohibited without prior written approval by InterTechniques, Inc..

User agrees not to post on the Web Site any content which (a) is libelous, defamatory, obscene, pornographic, abusive, harassing, or threatening, (b) contains viruses or other contaminating or destructive features, (c) violates the rights of others, including protections of copyright, trademark, patent, trade secrets or any right of privacy or publicity, or (d) otherwise violates any applicable law. User will not post on this Web Site any links to any external Internet sites that are obscene or pornographic. Any information that you provide to InterTechniques, Inc. must be true, complete and accurate, must not represent you as someone else or falsely identify, and must not violate any law, statute, ordinance or regulation.

This Web Site contains links to third party sites. User accesses these sites at User's own risk; InterTechniques, Inc. is not responsible for the contents, changes, updates, or other links contained in a linked site. InterTechniques, Inc. provides these links merely as a convenience, and the inclusion of such links does not imply an endorsement by InterTechniques, Inc. of the site.

Any third party desiring to link to the Web Site must link to the Web Site's home page located at www.reinsured.com. No one may link to any other page of this Web Site without the prior written consent of InterTechniques, Inc..

User understands and acknowledges that no joint venture, partnership, employment, or agency relationship exists or is created between User and InterTechniques, Inc. as a result of use of the Web Site.

The contents of this Web Site and any claims related to is are governed by the laws of the State of California, without reference to its conflict of laws rules. User consents to the exclusive jurisdiction of the state and Federal courts located in Orange County, California, and User waives to the fullest extent allowed by law the defense of an inconvenient forum to the maintenance of any action or proceeding.

Unless specifically noted when the information is obtained, InterTechniques, Inc. does not make available to third parties information that personally identifies its Web Site users. Other information or ideas that Users transmit to or post on this Web Site by any means will be treated as non-proprietary, and may be disseminated or used by InterTechniques, Inc., its affiliates or the Vendors for any purpose whatsoever. For more information, please see the InterTechniques, Inc. Privacy Policy.

The above Rules and Regulations constitute the entire and only agreement between User and InterTechniques, Inc. on the matters described. User understands that User may be subject to further restrictions while using Vendors' web sites.