When you visit this Web site, send e-mail to us, or electronically submit a request for a quote, you are communicating with us electronically. Your visit to this Web site or communication with us through functionality available at this Web site or via e-mail will be deemed to be your consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this Web site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
INTELLECTUAL PROPERTY RIGHTS
All content displayed or made available on this Web site, such as the user interface, the compilation of the content and arrangement of the Web site, and all text, graphics, pictures, sound, video, applications and other content (collectively, “Content”), is our property or the property of our content suppliers, and is protected by United States copyright and other intellectual property laws and by international treaties. Reproduction or redistribution of Content except as expressly permitted by these Terms is prohibited and may result in civil and criminal penalties. Violators will be prosecuted to the fullest extent permitted under applicable law.
ASTERISK FINANCIAL™ and PERSONAL GUARANTEE INSURANCE™ are our trademarks and service marks, and may not be used by you without our prior written permission. All other brand names, service marks, trademarks or other indicia of source appearing on this Web site are the property of their respective owners, and may not be used by you without the owner’s prior written consent.
USE OF WEB SITE
We make this Web site available to you for your information and use strictly in accordance with applicable laws. You may only browse and use the Web site in compliance with all Applicable Laws, using a compatible browser. We grant you a personal and limited license to access and make personal noncommercial use of this Web site, including the right to print portions of the Web site solely for purposes of evaluating the benefits of, and obtaining a quote for coverage under, our PERSONAL GUARANTEE INSURANCE™ policy. You may not otherwise copy, download (other than page caching) or modify the Web site, or any portion of it, except with our prior written consent. This license does not include the right to make any commercial use of this Web site or any Content or make any derivative work from this Web site or Content. You may not link, frame or utilize framing techniques to enclose all or any portion of this Web site or Content without our prior written consent. You may not use any Meta tags or any other “hidden text” using our trademarks or service marks without our prior written consent. Your unauthorized use of this Web site will immediately terminate the license we granted to you.
This Web site contains general information about us, and about our PERSONAL GUARANTEE INSURANCE™ policy. Our PERSONAL GUARANTEE INSURANCE™ policy is not insured by the Federal Deposit Insurance Corporation or any other federal agency and is not a deposit with or subject to the guarantee of any bank or other financial institution. Like any other insurance policy, our PERSONAL GUARANTEE INSURANCE™ policy must be approved by the appropriate state agency before it may be sold in a particular state.
While we work to insure the integrity of the Content made available on this Web site, Content may not always be complete or accurate and should not be considered legal, tax, or financial advice. Moreover, the Content available at this Web site is not intended to, and does not constitute, a solicitation of insurance business from a resident of any state in which the policy has not been approved for sale. Send us an e-mail to receive updates about new states in which our PERSONAL GUARANTEE INSURANCE™ policy may be sold.
LINKS TO THIRD PARTY WEBSITES
To improve your experience on our Web site, we may make available links to third party Web sites. We have no control over the Web sites of third parties, all of which have separate privacy and data collection practices. We provide these links for your convenience and therefore, you access these third party Web sites at your own risk.
We may provide a list of preferred lenders to help you find financial services or products that may be useful to you. However, you are solely responsible for deciding whether any of these lenders, or their services or products would be suitable for your purposes. We take no responsibility for the lenders listed or their services and products.
We respect the intellectual property rights of others. If you believe that your original work of authorship has been used or copied in a way that constitutes copyright infringement, please contact us immediately by e-mail to firstname.lastname@example.org, telecopy at 1.860.704.4701 or by U.S. mail. All communications should be directed to the attention of Mitchell Lubin at Asterisk Financial, Inc.
THIS WEB SITE IS PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK.
DISCLAIMER OF IMPLIED WARRANTIES
WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE AVAILABILITY OR OPERATION OF THIS WEBSITE, THE CONTENT PUBLISHED AT THIS WEB SITE, OR THE ACCURACY OR COMPLETENESS OF SUCH CONTENT. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
LIMITS ON LIABILITY
WE WILL NOT BE LIABLE TO YOU FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF THIS WEB SITE, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITS ON LIABILITY FOR SUCH DAMAGES, THE ABOVE LIMIT MAY NOT APPLY TO YOU. IN NO EVENT WILL OUR AGGREGATE LIABILITY TO YOU FOR ANY DAMAGES FOR ANY CAUSE WHATSOEVER, REGARDLESS OF THE FORM OF ACTION, WHETHER STATUTORY, CONTRACT OR TORT (INCLUDING NEGLIGENCE) EXCEED $5.00. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF ANY ABOVE STATED REMEDY FAILS ITS ESSENTIAL PURPOSE.
LIMIT ON CLAIMS
NO ACTION MAY BE BROUGHT FOR ANY BREACH OF THESE TERMS OR OTHERWISE RELATING TO THIS WEB SITE OR THE CONTENT MORE THAN ONE YEAR AFTER THE ACCRUAL OF SUCH CAUSE OF ACTION.
By visiting this Web site, you agree that the laws of the state of Connecticut, without regard to principles of conflict of laws, will exclusively govern the construction of these Terms and any dispute of any sort that might arise between you and us. These Terms will not be governed by the conflict of law rules of any jurisdiction. The exclusive jurisdiction and venue for any legal proceedings relating to these Terms will be the appropriate state or federal courts in Middlesex County, Connecticut; you consent to such jurisdiction and waive all objections to such courts based on jurisdiction, venue, and inconvenience of the forum.
You release, will defend us and our officers, directors, employees, agents, successors and assigns from all claims or causes of actions, and will indemnify us and any of them against all liabilities, obligations, judgments, fines, costs and expenses (including reasonable attorneys’ and expert witnesses’ fees and costs) incurred due to such claim or cause of action related to (a) any breach of these Terms by you, (b) your use of this Web site or (c) the use by any other person accessing this Web site using your Internet access account.