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CANDIDATE TERMS OF USE

Welcome to the Candidate Terms of Use ("Terms of Use") for the InsuranceTechies.com.com Web site and services powered by InsuranceTechies.com.com, a division of Botelho Holdings Corp. These Terms of Use describe the terms and conditions under which persons seeking employment opportunities or any other individuals or entities accessing this Web site ("you" or "User") may access and use the InsuranceTechies.com.com Web site and services. Please read these Terms of Use carefully. If you do not accept these Terms of Use, do not use the InsuranceTechies.com.com Web site and services. By using the InsuranceTechies.com.com Web site or any of its services, you are indicating your acceptance of these Terms of Use. You may contact us at webmaster@insurancetechies.com

InsuranceTechies.com may revise these Terms of Use at any time by posting the amended terms and/or conditions on the InsuranceTechies.com.com Web site. Any such amended terms and/or conditions shall automatically be effective when they are posted on this Web site. You should review these Terms of Use periodically because they are binding on you when you are accessing or using the InsuranceTechies.com.com Web site and services. These Terms of Use were last revised on August 1, 2008

1. Eligibility for Membership. InsuranceTechies.com's services are available only to individuals or entities that can form legally binding contracts under applicable law. Without limiting the foregoing, our services are not available to minors. If you do not qualify, please do not use our services. InsuranceTechies.com may refuse our services to anyone at any time, in our sole discretion.

2. Use of Material. InsuranceTechies.com authorizes the User to view and temporarily download a single copy of the materials (including but not limited to documents, text, logos, HTML code, graphics, button icons, sounds, audio clips, images, software and other items) that are made available by InsuranceTechies.com on this site (the "Materials") solely for your personal, non-commercial use. All Materials included on this site are the property of InsuranceTechies.com or its content suppliers and protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Materials on this site is the exclusive property of InsuranceTechies.com and protected by U.S. and international copyright laws. All software used on this site is the property of InsuranceTechies.com or its software or content suppliers and protected by U.S. and international copyright laws. Other than temporary downloads as necessary to access this site (which will only be stored as long as is necessary for such access), the Materials on this site may not be copied, distributed, downloaded, transmitted, modified, posted, published, reproduced, reused, republished, reposted, uploaded, displayed, sold, publicly performed or otherwise used without the express written permission of InsuranceTechies.com. The use of the Materials on any other Web site or in a networked computer environment is prohibited. "InsuranceTechies.com.," and certain other service marks, slogans, graphics, logos, and service names that are displayed on this Web site are trademarks of InsuranceTechies.com and may not be used in connection with any product or service that is not owned by InsuranceTechies.com, in any manner that is likely to cause confusion among InsuranceTechies.com's clients or customers, or in any manner that disparages or discredits InsuranceTechies.com. All other product and service marks contained on this Web site are the trademarks of their respective owners.

In addition to violating these Terms of Use, unauthorized use of the Materials may violate copyright, trademark, patent and other laws.

3. Permitted Use of Web Site. This Web site and the Materials included on this site (collectively, the "Site") may be used only for lawful purposes by individuals, such as the User, seeking employment and career information and entities seeking candidates for employment. You represent, warrant and agree that you will not use (or plan, encourage or help others to use) the Site for any purpose or in any manner that is prohibited by these Terms of Use. It is the User's responsibility to ensure that your use of the Site complies with these Terms of Use and to seek prior, express written permission from InsuranceTechies.com for any uses not permitted or not expressly specified in these Terms of Use.

4. Prohibited Uses of Web Site. In connection with your use of the Site, you will not:

a. Post, transmit, distribute, store, upload, or destroy material (i) in violation of any applicable local, state, national, or international law or regulation, or (ii) in a manner that will infringe the copyright, trademark, trade secret, patent or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others.

b. Post or transmit any message, information, data, text, software or images, or other materials ("Content") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, hateful, racially, ethnically or otherwise objectionable or that may invade another's right of privacy or publicity.

c. Impersonate any person or entity, including without limitation a InsuranceTechies.com employee or agent, an authorized user of the Site, a job applicant, or an employer, or otherwise misrepresent your affiliation with any person or entity.

d. Post or transmit any Content that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements).

e. Post any incomplete, false, or inaccurate information or information that is not your own for use in seeking employment on a full-time or part-time basis on your own behalf.

f. Respond to any employment opportunity on the Site for any reason other than to apply for the particular job. Communications soliciting an employer's business by competitors of InsuranceTechies.com are prohibited.

g. Delete or modify any material posted by any other person or entity.

h. Print out or otherwise copy or use any personally identifiable information about candidates for employment other than you.

i. Communicate, send, or place unsolicited e-mail, telephone calls, mailings or other contacts to posting individuals and entities.

j. Register an e-mail address which you do not own or do not have the express permission of the owner to register.

k. Violate or attempt to violate the security or integrity of the Site, including, without limitation:

l. accessing data not intended for the User or logging into a server or account which the User is not authorized to access;

m. attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization;

n. attempting to interfere with service to any user, host or network, including, without limitation, submitting a virus or corrupted data to the Site, overloading, continuous posting of repetitive text, "flooding", "spamming", "mailbombing" or "crashing";

o. disclosing or sharing your password to/with any third parties or using your password for any unauthorized purpose;

p. attempting to decipher, decompile, disassemble or reverse engineer any of the content or software comprising or in any way making up a part of the Site;

q. sending unsolicited advertising, promotional materials, e-mail, "junk mail", "chain letters", or any other form of solicitation; or

r. forging any TCP/IP packet header or any part of the header information in any e-mail or posting. Violations of Site, system or network security may result in civil or criminal liability. InsuranceTechies.com will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

5. User Information. When you register to use the Site, or when you sign up to use certain services, participate in an employment exchange, enter into a contest or promotion, or complete a survey for internal research, InsuranceTechies.com collects some personal information. Information that may be collected includes name, address, e-mail address, telephone number, and, in the event you are submitting payment for a product or service, credit card number. In addition to the terms of the Privacy Statement for this Site, which are incorporated herein by reference, you understand and agree that InsuranceTechies.com and its affiliates and agents may access, use, and store this information indefinitely and may collect and process the information in one or more databases maintained directly or indirectly by InsuranceTechies.com. In addition, you understand and agree that InsuranceTechies.com may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application as well as other aggregate information collected about users of this Site, including without limitation the pages users visit most frequently, the services users access the most, and the links to InsuranceTechies.com's partners that users most often visit. InsuranceTechies.com uses its best efforts to protect your personal information. However, you understand and agree that InsuranceTechies.com is not responsible or liable for the acquisition of your personal information by third parties without InsuranceTechies.com's knowledge and InsuranceTechies.com has no control over anything that occurs on servers not controlled by InsuranceTechies.com. Further, to the extent that you include your personal information (including e-mail address) on any resume you submit or post to the Site, InsuranceTechies.com cannot control the use of such information by third-party clients of InsuranceTechies.com that obtain your resume from the Site or InsuranceTechies.com.

When you register to use the Site, you will be offered the option to receive newsletters directly from InsuranceTechies.com and to receive other information, including third-party promotional offers via e-mail. If you choose to receive third-party promotional offers, InsuranceTechies.com will forward your profile information to an outside marketing agency which will use the profile information to deliver targeted third-party e-mail offers to you. You will have the ability to discontinue receiving such third-party offers via a link within the body of each e-mail message you receive from InsuranceTechies.com or by contacting us any time at webmaster@insurancetechies.com

6. User Communications. You understand and agree that in the event you communicate any information, feedback, data, questions, comments, suggestions or other items to InsuranceTechies.com regarding InsuranceTechies.com, the Site, or the services offered on the Site, any such communication shall be deemed not to be confidential and shall become the property of InsuranceTechies.com, and InsuranceTechies.com shall be free to reproduce, use, disclose and distribute such communication to others, without limitation. You further understand and agree that InsuranceTechies.com shall also have the unrestricted right to use any ideas, concepts, know-how, software, documentation, diagrams, drawings, schematics or techniques contained in your communication in any manner and for any purpose whatsoever, including without limitation, developing, manufacturing and marketing products or providing services.

7. User Submissions. As a user of the Site, you are responsible for your own communications and are responsible for the consequences of their posting. InsuranceTechies.com does not represent or guarantee the truthfulness, accuracy, or reliability of any communications posted by any user or endorse any opinions expressed by any user. You acknowledge that any reliance on material posted by other users will be at your own risk.

InsuranceTechies.com has no obligation to screen communications in advance and is not responsible for screening or monitoring material posted by any user. If notified by a user of communications that allegedly do not conform to these Terms of Use, InsuranceTechies.com may investigate the allegation and determine in good faith and in its sole discretion whether to remove or request the removal of the communication. InsuranceTechies.com is not liable or responsible to any user for performance or nonperformance of such activities. InsuranceTechies.com reserves the right to expel any user and prevent their further access to the Site for violating these Terms of Use or any law, and the right to remove communications which are abusive, illegal, or disruptive. You understand and agree that by submitting Content to any public area of the Site, including any message boards, forums, contests and chat rooms, you grant InsuranceTechies.com and its affiliates the royalty-free, perpetual, irrevocable, non-exclusive right (including any moral rights) and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the Content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any rights that may exist in such Content. You also warrant that the holder of any rights, including moral rights in such Content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You also permit any user to access, display, view, store and reproduce such Content for personal use.

You understand and agree that by submitting information to InsuranceTechies.com in the form of audio, video, documements, or photographs, whether submitted via the Site or otherwise, such information may be published or distributed by InsuranceTechies.com to third-party clients and will be searchable and viewable by such third-party clients of InsuranceTechies.com. InsuranceTechies.com uses its best efforts to grant access to this information only to such clients. However, you understand and agree that InsuranceTechies.com is not responsible or liable if some other third party evades security measures and gains access to such information. InsuranceTechies.com will cease publishing, distributing, or making available your information to third-party clients upon receipt of a written request from you. You understand and agree, however, that InsuranceTechies.com's clients who have access to such information may have retained a copy of the information in their own files or databases. InsuranceTechies.com is not responsible for the retention, use, or privacy of your information in such instances.

8. Resumes. You understand and agree that you are solely responsible for the form, content, and accuracy of any resume or material contained therein submitted, uploaded, or otherwise posted by you on the Site. You further understand and agree that by doing so, your resume will be searchable and viewable by and may be forwarded, transmitted, or ported to third-party clients of InsuranceTechies.com (which may include recruiters and placement consultants). InsuranceTechies.com uses its best efforts to grant access to your resume only to such clients. However, you understand and agree that InsuranceTechies.com is not responsible or liable if some other third party evades security measures and gains access to your resume. You may remove or request the removal of your resume from InsuranceTechies.com's searchable database or the Site or request that your resume not be forwarded at any time. You understand and agree, however, that InsuranceTechies.com's clients who have access to the database or received your resume may have retained a copy of your resume in their own files or databases. InsuranceTechies.com is not responsible for the retention, use, or privacy of resumes in such instances.

9. Registration and Password. You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration or password, whether or not authorized by you. You agree to immediately notify InsuranceTechies.com of any unauthorized use of your registration or password.

10. No InsuranceTechies.com Liability. The Site and the Materials may contain inaccuracies or typographical errors. InsuranceTechies.com makes no representations about the accuracy, reliability, completeness, or timeliness of the Site or the Materials, and use of the Site and the Materials is at your own risk. Changes are periodically made to the Site and may be made at any time by InsuranceTechies.com. You assume all risks associated with dealing with other users with whom you come in contact through this Site, including without limitation, the risks of physical harm, dealing with strangers, foreign nationals, underage persons, or people acting under false pretenses. InsuranceTechies.com cannot and does not confirm that each user is who they claim to be.

Employment opportunity postings and listings, are the sole responsibility of the entities associated with such postings and listings, which are third-party clients of InsuranceTechies.com. User acknowledges and agrees that InsuranceTechies.com makes no representations about and does not assume any responsibility or liability for the accuracy, completeness, truthfulness, or timeliness of such postings, including without limitation the existence and availability of any such employment opportunities and the accuracy and truthfulness of any listed employment opportunity descriptions and salaries.

InsuranceTechies.com is not to be considered an employer with respect to your use of the Site and InsuranceTechies.com shall not be responsible for any employment decisions made, for whatever reason, by any entity posting employment opportunities or other information on the Site. In addition, nothing in these Terms of Use shall be construed to guarantee employment for any user for any particular period of time. Further, User acknowledges and agrees that no joint venture, partnership, employment or agency relationship exists between User and InsuranceTechies.com as a result of these Terms of Use or your use of the Site.

11. Equal Employment Opportunity. InsuranceTechies.com is committed to equal employment opportunity, both as a staffing services company and as an employer, and our Terms of Use require employer organizations to comply with applicable equal employment opportunity laws.

12. Employment Exchanges. This Site may include a service whereby InsuranceTechies.com's third-party clients can place bids for the employment of certain candidates for employment. In addition to the other terms and conditions of these Terms of Use, to the extent that you participate as a candidate in such an exchange, User acknowledges and agrees to the following:

a. InsuranceTechies.com makes no representations about and does not assume any responsibility or liability for the existence and availability of any employment opportunities with the bidding entities, or any such entity's ability and willingness to hire you.

b. InsuranceTechies.com does not participate in, has no control over, and does not assume any responsibility or liability for any transaction between the User and a bidding entity, including without limitation the truth or accuracy of employment opportunity listings and the ability and willingness of a bidding entity to complete an employment transaction with the User and pay the bid amount.

c. USER HEREBY RELEASES InsuranceTechies.com, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES, FROM ALL CLAIMS, DEMANDS, AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH LISTINGS, BIDS, UNCOMPLETED OR COMPLETED TRANSACTIONS, OR POSITIONS OF EMPLOYMENT OFFERED OR ACTUALLY ACCEPTED. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

13. Employability. In the event that User obtains an offer for employment from InsuranceTechies.com or a InsuranceTechies.com third-party client through use of this Site, including without limitation through an employment exchange, User may be required as conditions of employment to: (i) provide certain information to the potential employer, including without limitation a job application, I-9 Employment Eligibility Verification form, W-4 form, and forms related to benefit selection; and (ii) authorize the potential employer to verify to its satisfaction certain background information, including without limitation personal employment history, credit history, and criminal background.

14. Third-Party Products. THIS SITE CONTAINS THIRD-PARTY PRODUCTS AND SERVICES. THE MENTION OF THIRD PARTIES AND/OR INCLUSION OF THEIR RESPECTIVE PRODUCTS OR SERVICES IS NEITHER A RECOMMENDATION NOR AN ENDORSEMENT OF SUCH THIRD PARTIES OR THEIR PRODUCTS. ALL THIRD-PARTY PRODUCTS MUST BE ORDERED DIRECTLY FROM SUCH THIRD PARTIES OR THEIR REPRESENTATIVES AND ALL LICENSES AND WARRANTIES RELATING TO SUCH THIRD-PARTY PRODUCTS, IF ANY, ARE BETWEEN YOU AND SUCH THIRD PARTY. InsuranceTechies.com IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY THIRD-PARTY PRODUCT OR SERVICE AND MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONTENTS OR ACCURACY OF MATERIALS OR DATA CONTAINED IN ANY SUCH THIRD-PARTY PRODUCTS OR SERVICES.

15. Links to Third-Party Sites. THIS SITE CONTAINS LINKS TO THIRD-PARTY WEB SITES. THESE LINKS ARE PROVIDED SOLELY AS A CONVENIENCE TO YOU AND THE INCLUSION OF ANY SUCH LINK TO A THIRD-PARTY SITE DOES NOT IMPLY ENDORSEMENT BY InsuranceTechies.com OF SUCH THIRD-PARTY SITE OR THE CONTENTS THEREOF. InsuranceTechies.com IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED THIRD-PARTY SITE OR ANY LINK CONTAINED IN SUCH LINKED THIRD-PARTY SITE, AND MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONTENTS OR ACCURACY OF MATERIALS ON SUCH THIRD-PARTY SITES. IF YOU DECIDE TO ACCESS LINKED THIRD-PARTY SITES, YOU DO SO AT YOUR OWN RISK.

16. Disclaimer and Limitation of Liability. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE AND THE INTERNET GENERALLY. THIS SITE AND THE INFORMATION PROVIDED ON IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, NONINFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ADVICE OR INFORMATION GIVEN BY InsuranceTechies.com, ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES SHALL MODIFY THE FOREGOING OR CREATE ANY WARRANTY. InsuranceTechies.com EXPRESSLY DISCLAIMS ANY WARRANTY THAT THE INFORMATION ON THIS SYSTEM OR ON THE INTERNET GENERALLY WILL BE UNINTERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIALS ACCESSIBLE FROM THE SYSTEM IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU SHALL HAVE ABSOLUTELY NO RECOURSE AGAINST InsuranceTechies.com AS THE SYSTEM PROVIDER FOR ANY ALLEGED OR ACTUAL INFRINGEMENT OF ANY PROPRIETARY RIGHTS YOU MAY HAVE IN ANYTHING YOU POST ON THIS SITE. InsuranceTechies.com MAKES NO WARRANTIES WHATSOEVER THAT YOU WILL OBTAIN ANY EMPLOYMENT VIA THIS SITE, NOR ANY WARRANTIES ABOUT (AND TAKES NO RESPONSIBILITY FOR) ANY EMPLOYMENT YOU MAY OBTAIN.

InsuranceTechies.com DOES NOT ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, TRUTHFULNESS, OR USEFULNESS OF ANY INFORMATION, DATA, APPARATUS, PRODUCT, SOFTWARE OR PROCESS USED OR DISCLOSED ON THIS SITE OR ANY OTHER MATERIALS ACCESSIBLE FROM THE SITE. IN NO EVENT SHALL InsuranceTechies.com BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE IT (OR ANY LINKED SITES), OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, THE INTERNET GENERALLY OR ON ANY OTHER BASIS (WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF InsuranceTechies.com HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF THIS LIMITATION OF LIABILITY OR THE EXCLUSION OF WARRANTY SET FORTH ABOVE IS HELD INAPPLICABLE OR UNENFORCEABLE FOR ANY REASON, THEN InsuranceTechies.com's MAXIMUM LIABILITY TO YOU FOR ANY TYPE OF DAMAGES FOR ALL CLAIMS ARISING FROM THE USE OF THE SITE OR THE MATERIALS SHALL BE LIMITED TO U.S. $100.00.

17. Termination. InsuranceTechies.com reserves the right, at its sole discretion, to pursue all of its legal remedies, including without limitation, deletion of your postings from this Site or immediate termination of your registration with or ability to access the Site and/or any other service provided to you by InsuranceTechies.com, upon any breach by you of these Terms of Use or if InsuranceTechies.com is unable to verify or authenticate any information you submit to this Site.

18. Indemnity. User agrees to defend, indemnify, and hold harmless InsuranceTechies.com, its officers, directors, employees, agents, and affiliates from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Site or the Materials or your breach of these Terms of Use. InsuranceTechies.com shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

19. Other Agreements With InsuranceTechies.com. The terms and conditions of these Terms of Use are in addition to and do not supersede any other binding agreements between the User and InsuranceTechies.com.

20. General. This site is controlled and operated by InsuranceTechies.com from its offices within the state of Massachusetts, United States of America. InsuranceTechies.com makes no representation that the Site or the Materials are appropriate or available for use in other jurisdictions, and access to them from jurisdictions where its contents are illegal or prohibited. Those who choose to access the Site from other jurisdictions do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the Materials in violation of U.S. export laws and regulations. Any claim relating to the Site or the Materials shall be governed by the substantive laws of the State of Massachusetts, U.S.A., without giving effect to any principles of conflicts of laws, and without reference to the 1980 United Nations Convention On The International Sale Of Goods. User and InsuranceTechies.com hereby consent to the exclusive jurisdiction and venue for any action or dispute arising under these Terms Of Use in the state or federal courts located in Boston, Massachusetts U.S.A. If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any term of these Terms of Use shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in a particular "Legal Notice," software license, or additional terms of use on particular pages or services on the Site or linked to the site, to which you agree to be bound, these Terms of Use constitute the entire agreement between you and InsuranceTechies.com with respect to the use of the Site. No changes to these Terms of Use shall be made except by a revised posting on this page. Except as expressly provided herein, nothing in the Materials or on this Site confers or is to be construed as conferring, whether by implication, or otherwise, any license or right under any patent, copyright, trademark or other right of InsuranceTechies.com or any third party. Any and all rights not expressly granted herein are reserved by InsuranceTechies.com. Copyright 2000 InsuranceTechies.com, a trademark and division of Botelho Holdings Corp. All Rights Reserved.

Copyright 2000 by InsuranceTechies.com. All rights reserved. Minimum requirements: Microsoft Internet Explorer 4.0 SP2 or Netscape Communicator 4.6. AOL users should use AOL 5.0 and AOL Plus for optimal usage. For technical questions or customer service, please send e-mail to webmaster@insurancetechies.com or call us 617-899-3278

ORGANIZATION TERMS OF USE

Welcome to the Organization Terms of Use ("Terms of Use") for the InsuranceTechies.com.com Web site and services powered by InsuranceTechies.com.com, Inc. These Terms of Use describe the terms and conditions under which third-party clients of InsuranceTechies.com ("you" or "Organization") may access and use the InsuranceTechies.com.com Web site and services.

Please read these Terms of Use carefully. If you do not accept these Terms of Use, do not use the InsuranceTechies.com Web site and services. By using the InsuranceTechies.com Web site or any of its services, you are indicating your acceptance of these Terms of Use.

InsuranceTechies.com may revise these Terms of Use at any time by posting the amended terms and/or conditions on the InsuranceTechies.com.com Web site. Any such amended terms and/or conditions shall automatically be effective when they are posted on this Web site. You should review these Terms of Use periodically because they are binding on you when you are accessing or using the InsuranceTechies.com.com Web site and services. These Terms of Use were last revised on November 21, 2000

1. Eligibility for Membership. InsuranceTechies.com's services are available only to entities that can form legally binding contracts under applicable law. As a condition for use of the InsuranceTechies.com Web site and services available to third-party clients, Organization may be required to provide InsuranceTechies.com with a Federal tax identification number, Dun & Bradstreet identification number, and/or any additional information requested by InsuranceTechies.com. Further, Organization may be required to enter into additional agreements with InsuranceTechies.com, including without limitation an agreement regarding fees to be paid by Organization for use of InsuranceTechies.com's services. If you do not qualify, please do not use our services. InsuranceTechies.com may refuse our services to anyone at any time, in our sole discretion.

2. Use of Material. InsuranceTechies.com authorizes Organization to view and temporarily download a single copy of the materials (including but not limited to documents, text, logos, HTML code, graphics, button icons, sounds, audio clips, images, software and other items) that are made available by InsuranceTechies.com on this site (the "Materials").

All Materials included on this site are the property of InsuranceTechies.com or its content suppliers and protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Materials on this site is the exclusive property of InsuranceTechies.com and protected by U.S. and international copyright laws. All software used on this site is the property of InsuranceTechies.com or its software or content suppliers and protected by U.S. and international copyright laws. Other than temporary downloads as necessary to access this site (which will only be stored as long as is necessary for such access), the Materials on this site may not be copied, distributed, downloaded, transmitted, modified, posted, published, reproduced, reused, republished, reposted, uploaded, displayed, sold, publicly performed or otherwise used without the express written permission of InsuranceTechies.com. The use of the Materials on any other web site or in a networked computer environment is prohibited.

InsuranceTechies.com and certain other service marks, slogans, graphics, logos, and service names that are displayed on this web site are trademarks of InsuranceTechies.com and may not be used in connection with any product or service that is not owned by InsuranceTechies.com, in any manner that is likely to cause confusion among InsuranceTechies.com's clients or customers, or in any manner that disparages or discredits InsuranceTechies.com. All other product and service marks contained on this web site are the trademarks of their respective owners.

In addition to violating these Terms of Use, unauthorized use of the Materials may violate copyright, trademark, patent and other laws.

3. Permitted Use of Web Site. This web site and the Materials included on this site (collectively, the "Site") may be used only for lawful purposes by individuals seeking employment and career information and entities, such as Organization, seeking candidates for employment. You represent, warrant, and agree that you will not use (or plan, encourage or help others to use) the Site for any purpose or in any manner that is prohibited by these Terms of Use. It is Organization's responsibility to ensure that your use of the Site complies with these Terms of Use and to seek prior, express written permission from InsuranceTechies.com for any uses not permitted or not expressly specified in these Terms of Use.

4. Prohibited Uses of Web Site. In connection with your use of the Site, you will not:

a. Post, transmit, distribute, store, upload, or destroy material (i) in violation of any applicable local, state, national, or international law or regulation, or (ii) in a manner that will infringe the copyright, trademark, trade secret, patent or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others.

b. Post or transmit any message, information, data, text, software or images, or other materials ("Content") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, hateful, racially, ethnically or otherwise objectionable or that may invade another's right of privacy or publicity.

c. Impersonate any person or entity, including without limitation a InsuranceTechies.com employee or agent, an authorized user of the Site, a job applicant, or an employer, or otherwise misrepresent your affiliation with any person or entity.

d. Post or transmit any Content that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements).

e. Post any incomplete, false, or inaccurate information regarding an employer or available employment opportunities, or information that is not an accurate description of an employer's business or company for use in describing available employment opportunities.

f. Delete or modify any material posted by any other person or entity.

g. Print out or otherwise copy or use any personally identifiable information about candidates for purposes other than consideration of the candidates for potential employment.

h. Communicate, send, or place unsolicited e-mail, telephone calls, mailings or other contacts to posting individuals or entities.

i. Register an e-mail address that you do not own or do not have the express permission of the owner to register.

j. Violate or attempt to violate the security or integrity of the Site, including, without limitation:

k. accessing data not intended for Organization or logging into a server or account which Organization is not authorized to access;

l. attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization;

m. attempting to interfere with service to any user, host or network, including, without limitation, submitting a virus or corrupted data to the Site, overloading, continuous posting of repetitive text, "flooding", "spamming", "mailbombing" or "crashing";

n. disclosing or sharing your password to/with any third parties or using your password for any unauthorized purpose;

o. attempting to decipher, decompile, disassemble or reverse engineer any of the content or software comprising or in any way making up a part of the Site;

p. sending unsolicited advertising, promotional materials, e-mail, "junk mail", "chain letters", or any other form of solicitation; or

q. forging any TCP/IP packet header or any part of the header information in any e-mail or posting. Violations of Site, system or network security may result in civil or criminal liability. InsuranceTechies.com will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

5. Organization Information. When you register to use the Site, or when you sign up to use certain services, participate in an employment exchange, enter into a contest or promotion, or complete a survey for internal research, InsuranceTechies.com collects some personal information. Information that may be collected includes name, address, e-mail address, telephone number, and, in the event you are submitting payment for a product or service, credit card number. In addition to the terms of the Privacy Statement for this Site, which are incorporated herein by reference, you understand and agree that InsuranceTechies.com and its affiliates and agents may access, use, and store this information indefinitely and may collect and process the information in one or more databases maintained directly or indirectly by InsuranceTechies.com. In addition, you understand and agree that InsuranceTechies.com may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application as well as other aggregate information collected about users of this Site, including without limitation the pages users visit most frequently, the services users access the most, and the links to InsuranceTechies.com's partners that users most often visit.

InsuranceTechies.com uses its best efforts to protect your personal information. However, you understand and agree that InsuranceTechies.com is not responsible or liable for the acquisition of your personal information by third parties without InsuranceTechies.com's knowledge and InsuranceTechies.com has no control over anything that occurs on servers not controlled by InsuranceTechies.com. Further, to the extent that you include contact or other personal information regarding your organization on any posting or materials you submit or post to the Site, InsuranceTechies.com cannot control the use of such information by visitors to the Site who view your posting or materials.

When you register to use the Site, you will be offered the option to receive newsletters directly from InsuranceTechies.com and to receive other information, including third-party promotional offers via e-mail. If you choose to receive third-party promotional offers, InsuranceTechies.com will forward your profile information to an outside marketing agency which will use the profile information to deliver targeted third-party e-mail offers to you. You will have the ability to discontinue receiving such third-party offers via a link within the body of each e-mail message you receive from InsuranceTechies.com or by contacting us any time at webmaster@InsuranceTechies.com.

6. Organization Communications. You understand and agree that in the event you communicate any information, feedback, data, questions, comments, suggestions or other items to InsuranceTechies.com regarding InsuranceTechies.com, the Site, or the services offered on the Site, any such communication shall be deemed not to be confidential and shall become the property of InsuranceTechies.com, and InsuranceTechies.com shall be free to reproduce, use, disclose and distribute such communication to others, without limitation. You further understand and agree that InsuranceTechies.com shall also have the unrestricted right to use any ideas, concepts, know-how, software, documentation, diagrams, drawings, schematics or techniques contained in your communication in any manner and for any purpose whatsoever, including without limitation, developing, manufacturing and marketing products or providing services.

7. Organization Submissions. As a user of the Site, you are responsible for your own communications and are responsible for the consequences of their posting. InsuranceTechies.com does not represent or guarantee the truthfulness, accuracy, or reliability of any communications posted by any user or endorse any opinions expressed by any user. You acknowledge that any reliance on material posted by other users will be at your own risk.

InsuranceTechies.com has no obligation to screen communications in advance and is not responsible for screening or monitoring material posted by any user. If notified by a user of communications that allegedly do not conform to these Terms of Use, InsuranceTechies.com may investigate the allegation and determine in good faith and in its sole discretion whether to remove or request the removal of the communication. InsuranceTechies.com is not liable or responsible to any user for performance or nonperformance of such activities. InsuranceTechies.com reserves the right to expel any user and prevent their further access to the Site for violating these Terms of Use or any law, and the right to remove communications which are abusive, illegal, or disruptive.

You understand and agree that by submitting Content to any public area of the Site, including any message boards, forums, contests and chat rooms, you grant InsuranceTechies.com and its affiliates the royalty-free, perpetual, irrevocable, non-exclusive right (including any moral rights) and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the Content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any rights that may exist in such Content. You also warrant that the holder of any rights, including moral rights in such Content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You also permit any user to access, display, view, store and reproduce such Content for personal use. You understand and agree that by submitting information to InsuranceTechies.com in the form of audio, video, or photographs, whether submitted via the Site or otherwise, such information may be published or distributed by InsuranceTechies.com to registered users of the Site and will be searchable and viewable by such registered users. InsuranceTechies.com uses its best efforts to grant access to this information only to such registered users. However, you understand and agree that InsuranceTechies.com is not responsible or liable if some other third party evades security measures and gains access to such information. InsuranceTechies.com will cease publishing, distributing, or making available your information to registered users upon receipt of a written request from you. You understand and agree, however, that registered users who have access to such information may have retained a copy of the information in their own files or databases. InsuranceTechies.com is not responsible for the retention, use, or privacy of your information in such instances.

8. Employment Opportunity Postings. You understand and agree that you are solely responsible for the form, content, and accuracy of any description of employment opportunities or material contained therein submitted, uploaded, or otherwise posted by you on the Site. You further understand and agree that your employment opportunity postings will be searchable, viewable, and printable by registered users of the Site. InsuranceTechies.com uses its best efforts to grant access to such postings only to such registered users. However, you understand and agree that InsuranceTechies.com is not responsible or liable if some other third party evades security measures and gains access to the database, and, subsequently, your employment opportunity postings. You may remove or request the removal of your employment opportunity postings from InsuranceTechies.com's searchable database or the Site at any time. You understand and agree, however, that registered users who have access to the database may have retained a copy of the postings in their own files or databases. InsuranceTechies.com is not responsible for the retention, use, or privacy of your postings in such instances.

9. Equal Employment Opportunity. InsuranceTechies.com is committed to equal employment opportunity both as a staffing services company and as an employer. To that end, Organization agrees that, in using the Site or information obtained through the Site, it will recruit, consider and select candidates for employment without regard to their race, color, religion, sex, national origin, age, protected disability, or other protected characteristic. InsuranceTechies.com may terminate Organization's registration and access to the Site if Organization fails to comply with all applicable laws and regulations regarding equal employment opportunity. Further, Organization agrees to fully defend, indemnify, and hold harmless InsuranceTechies.com, its officers, directors, employees, agents, and affiliates from and against any claims, actions or demands by any person, entity, or government agency or authority that InsuranceTechies.com engaged or participated in discrimination based upon actions taken or decisions made by Organization in hiring or selecting candidates from the Site (including reimbursement of attorneys' fees and costs incurred by InsuranceTechies.com in defending such claims). In addition, Organization agrees to use employment opportunity postings that are non-discriminatory and that comply with federal, state, and local employment laws.

10. Registration and Password. You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration or password, whether or not authorized by you. You agree to immediately notify InsuranceTechies.com of any unauthorized use of your registration or password.

11. No InsuranceTechies.com Liability. The Site and the Materials may contain inaccuracies or typographical errors. InsuranceTechies.com makes no representations about the accuracy, reliability, completeness, or timeliness of the Site or the Materials, and use of the Site and the Materials is at your own risk. Changes are periodically made to the Site and may be made at any time by InsuranceTechies.com. You assume all risks associated with dealing with other users with whom you come in contact through this Site, including without limitation, the risks of physical harm, dealing with strangers, foreign nationals, underage persons, or people acting under false pretenses. InsuranceTechies.com cannot and does not confirm that each user is who they claim to be.

Posted resumes and other candidate descriptions, information, and materials are the sole responsibility of the candidates who make such postings. Organization acknowledges and agrees that InsuranceTechies.com makes no representations about and does not assume any responsibility or liability for the accuracy, completeness, truthfulness, or timeliness of such postings, including without limitation the existence and availability of any such candidates and the accuracy and truthfulness of any posted resumes, candidate descriptions, or other candidate information.

InsuranceTechies.com shall not be responsible for any employment decisions made, for whatever reason, by any candidate for employment or user posting a resume or other information on the Site. Further, Organization acknowledges and agrees that no joint venture, partnership, employment or agency relationship exists between Organization and InsuranceTechies.com as a result of these Terms of Use or your use of the Site.

12. Employment Exchanges. This Site may include a service whereby InsuranceTechies.com third-party clients, such as Organization, can place bids for the employment of certain candidates for employment. In addition to the other terms and conditions of these Terms of Use, to the extent that you participate in such an exchange, Organization acknowledges and agrees to the following:

a. InsuranceTechies.com makes no representations about and does not assume any responsibility or liability for the existence and availability of any candidates for employment opportunities with the bidding entities, or any such candidate's ability and willingness to accept any position of employment.

b. InsuranceTechies.com does not participate in, has no control over, and does not assume any responsibility or liability for any transaction between a candidate for employment and Organization, including without limitation the truth or accuracy of candidate resumes and information and the ability and willingness of a bidding entity to complete an employment transaction with Organization and accept a position of employment.

c. ORGANIZATION HEREBY RELEASES InsuranceTechies.com, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES, FROM ALL CLAIMS, DEMANDS, AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH LISTINGS, BIDS, UNCOMPLETED OR COMPLETED TRANSACTIONS, OR POSITIONS OF EMPLOYMENT OFFERED OR ACTUALLY ACCEPTED. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

13. Third-Party Products. THIS SITE CONTAINS THIRD-PARTY PRODUCTS AND SERVICES. THE MENTION OF THIRD PARTIES AND/OR INCLUSION OF THEIR RESPECTIVE PRODUCTS OR SERVICES IS NEITHER A RECOMMENDATION NOR AN ENDORSEMENT OF SUCH THIRD PARTIES OR THEIR PRODUCTS. ALL THIRD-PARTY PRODUCTS MUST BE ORDERED DIRECTLY FROM SUCH THIRD PARTIES OR THEIR REPRESENTATIVES AND ALL LICENSES AND WARRANTIES RELATING TO SUCH THIRD-PARTY PRODUCTS, IF ANY, ARE BETWEEN YOU AND SUCH THIRD PARTY. InsuranceTechies.com IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY THIRD-PARTY PRODUCT OR SERVICE AND MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONTENTS OR ACCURACY OF MATERIALS OR DATA CONTAINED IN ANY SUCH THIRD-PARTY PRODUCTS OR SERVICES.

14. Links to Third-Party Sites. THIS SITE CONTAINS LINKS TO THIRD-PARTY WEB SITES. THESE LINKS ARE PROVIDED SOLELY AS A CONVENIENCE TO YOU AND THE INCLUSION OF ANY SUCH LINK TO A THIRD-PARTY SITE DOES NOT IMPLY ENDORSEMENT BY InsuranceTechies.com OF SUCH THIRD-PARTY SITE OR THE CONTENTS THEREOF. InsuranceTechies.com IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED THIRD-PARTY SITE OR ANY LINK CONTAINED IN SUCH LINKED THIRD-PARTY SITE, AND MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONTENTS OR ACCURACY OF MATERIALS ON SUCH THIRD-PARTY SITES. IF YOU DECIDE TO ACCESS LINKED THIRD-PARTY SITES, YOU DO SO AT YOUR OWN RISK.

15. Disclaimer and Limitation of Liability. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE AND THE INTERNET GENERALLY. THIS SITE AND THE INFORMATION PROVIDED ON IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, NONINFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ADVICE OR INFORMATION GIVEN BY InsuranceTechies.com, ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES SHALL MODIFY THE FOREGOING OR CREATE ANY WARRANTY. InsuranceTechies.com EXPRESSLY DISCLAIMS ANY WARRANTY THAT THE INFORMATION ON THIS SYSTEM OR ON THE INTERNET GENERALLY WILL BE UNINTERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIALS ACCESSIBLE FROM THE SYSTEM IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU SHALL HAVE ABSOLUTELY NO RECOURSE AGAINST InsuranceTechies.com AS THE SYSTEM PROVIDER FOR ANY ALLEGED OR ACTUAL INFRINGEMENT OF ANY PROPRIETARY RIGHTS YOU MAY HAVE IN ANYTHING YOU POST ON THIS SITE. InsuranceTechies.com MAKES NO WARRANTIES WHATSOEVER THAT YOU WILL HIRE ANY EMPLOYEES VIA THIS SITE, NOR ANY WARRANTIES ABOUT (AND TAKES NO RESPONSIBILITY FOR) ANY EMPLOYEES YOU MAY HIRE.

InsuranceTechies.com DOES NOT ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, TRUTHFULNESS, OR USEFULNESS OF ANY INFORMATION, DATA, APPARATUS, PRODUCT, SOFTWARE OR PROCESS USED OR DISCLOSED ON THIS SITE OR ANY OTHER MATERIALS ACCESSIBLE FROM THE SITE. IN NO EVENT SHALL InsuranceTechies.com BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE IT (OR ANY LINKED SITES), OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, THE INTERNET GENERALLY OR ON ANY OTHER BASIS (WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF InsuranceTechies.com HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF THIS LIMITATION OF LIABILITY OR THE EXCLUSION OF WARRANTY SET FORTH ABOVE IS HELD INAPPLICABLE OR UNENFORCEABLE FOR ANY REASON, THEN InsuranceTechies.com's MAXIMUM LIABILITY TO YOU FOR ANY TYPE OF DAMAGES FOR ALL CLAIMS ARISING FROM THE USE OF THE SITE OR THE MATERIALS SHALL BE LIMITED TO U.S. $100.00.

16. Termination. InsuranceTechies.com reserves the right, at its sole discretion, to pursue all of its legal remedies, including without limitation, deletion of your postings from this Site or immediate termination of your registration with or ability to access the Site and/or any other service provided to you by InsuranceTechies.com, upon any breach by you of these Terms of Use or if InsuranceTechies.com is unable to verify or authenticate any information you submit to this Site.

17. Indemnity. Organization agrees to defend, indemnify, and hold harmless InsuranceTechies.com, its officers, directors, employees, agents, and affiliates from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Site or the Materials or your breach of these Terms of Use. InsuranceTechies.com shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

18. Other Agreements With InsuranceTechies.com. The terms and conditions of these Terms of Use are in addition to and do not supersede any other binding agreements between Organization and InsuranceTechies.com.

19. General. This site is controlled and operated by InsuranceTechies.com from its offices within the state of Massachusetts, United States of America. InsuranceTechies.com makes no representation that the Site or the Materials are appropriate or available for use in other jurisdictions, and access to them from jurisdictions where its contents are illegal or prohibited. Those who choose to access the Site from other jurisdictions do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the Materials in violation of U.S. export laws and regulations. Any claim relating to the Site or the Materials shall be governed by the substantive laws of the State of Massachusetts, U.S.A., without giving effect to any principles of conflicts of laws, and without reference to the 1980 United Nations Convention On The International Sale Of Goods. Organization and InsuranceTechies.com hereby consent to the exclusive jurisdiction and venue for any action or dispute arising under these Terms of Use in the state or federal courts located in Boston, Massachusetts, U.S.A. If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any term of these Terms of Use shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in a particular "Legal Notice," software license, or additional terms of use on particular pages or services on the Site or linked to the site, to which you agree to be bound, these Terms of Use constitute the entire agreement between you and InsuranceTechies.com with respect to the use of the Site. No changes to these Terms of Use shall be made except by a revised posting on this page. Except as expressly provided herein, nothing in the Materials or on this Site confers or is to be construed as conferring, whether by implication, or otherwise, any license or right under any patent, copyright, trademark or other right of InsuranceTechies.com or any third party. Any and all rights not expressly granted herein are reserved by InsuranceTechies.com. Copyright 2000 InsuranceTechies.com. a trademark and division of Botelho Holdings Corp. All Rights Reserved.

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