The Services may provide paid advertisements, listings, or other sponsored information in addition to unpaid search results. Sponsored advertisements, listings, and sponsored information may be given priority over unpaid listings. Please read these Terms carefully. By accessing or using the Services and/or My Consumer Insider Web Pages, you personally, or on behalf of the entity on which you are using our Services, (collectively, “you” or “your”) are accepting all the terms and conditions of this Agreement and are concluding a legally binding agreement with My Consumer Insider (“My Consumer Insider,” “us,” or “our”). My Consumer Insider, its affiliates, and its and their respective employees, officers, directors, and representatives shall collectively be referred to herein as the “My Consumer Insider Parties.” If you do not accept these Terms, do not use the My Consumer Insider Web Pages and/or Services, and if applicable, delete our mobile application(s) immediately.
2. CHANGES TO THESE TERMS
These Terms may change from time to time, and those changes will be available for your review on most My Consumer Insider Web Pages that you view, and on our web page located at http://My Consumer Insider.com?page=terms-service/. We will post any changes to the Terms on this website and, if the changes are significant, we will provide a more prominent notice. You should revisit these Terms on a regular basis. You understand and agree that your access to or use of the Services and/or My Consumer Insider Web Pages is governed by the Terms effective at the time of your access to or use of the Services and/or My Consumer Insider Web Pages. Your continued use of our Services or My Consumer Insider Web Pages after any changes have been made will signify your assent to the changed Terms.
3. ADDITIONAL TERMS
Additional terms may apply to the use of some Services and are disclosed in the form of the posted guidelines or rules applicable to such Services (the “Service-Specific Rules”), which may be modified from time to time. All such Service-Specific Rules are hereby incorporated by reference into and form part of, this Agreement. If any provisions of this Agreement conflict with any Service-Specific Rules, the terms of the applicable Service-Specific Rules shall control.
4. USING THE SERVICES
a) GRANT OF RIGHTS Subject to your compliance with these Terms, My Consumer Insider grants you a limited, non-exclusive right to use the Services, including any content available to you via the Services, only as permitted in these Terms. The My Consumer Insider Web Pages are for your personal, non-commercial use only.
b) USER ACCOUNTS
c) ELIGIBILITY The Services and My Consumer Insider Web Pages are not intended for users under the age of 18. Users under the age of 18 are expressly prohibited from creating a My Consumer Insider Account with My Consumer Insider. By creating a My Consumer Insider Account or using the Services, you represent and warrant that you are at least 18 years old, are of adequate legal competence and/or capacity to enter into and abide by these Terms with My Consumer Insider, are not creating a My Consumer Insider Account in order to compete with My Consumer Insider, and are not otherwise prohibited from using or receiving the Services in accordance with these Terms.
d) NO UNLAWFUL OR HARMFUL USE OF THE SERVICES
You represent and warrant that your usage of the Services will only be for lawful purposes and will be done in accordance with these Terms, any applicable Service-Specific Rules, and all applicable laws generally. You also represent and warrant that you will not use any of the My Consumer Insider Web Pages or Services to violate any law, regulation or ordinance or any right of My Consumer Insider or any third party, including, without limitation, any right of privacy, publicity, copyright, patent or trademark or other intellectual property right.
f) BUSINESS INFORMATION
a) RESPONSIBILITY FOR YOUR USER-GENERATED CONTENT Certain of the Services may permit you to use your My Consumer Insider account to submit reviews (“Reviews”), commentary, postings on message boards, data, text, files, links, software, chat content, music, sound, photographs, graphics, images, video, communication, messages or other materials and terms of expression (collectively “User-Generated Content”). User-Generated Content expressly excludes any Personal Information and/or confidential information that you provide to My Consumer Insider during the My Consumer Insider Account registration process in Section 4 above. You agree that you will only post User-Generated Content that you are legally entitled to publish, and Reviews that you believe to be true, and that you will not purposely provide false or misleading information in your Reviews. Unless you have the express consent of the proper owner of any materials that are copyrighted, trademarked or otherwise subject to a proprietary right, you are not permitted to upload, post, or otherwise make such materials available on or through the Services. You are solely responsible for complying with all laws applicable to any User-Generated Content you submit to the Services, including any Reviews, and for determining whether any materials you wish to upload, post or otherwise make available on or through the Services are subject to copyright, trademark or some other proprietary right.
Additionally, you are solely liable for any damages that may arise as a result of any infringement of copyright, trademark or other proprietary rights, or any other damages that result from materials that you upload, post or otherwise make available on or through the Services, including without limitation any Reviews. You are solely responsible for any User-Generated Content submitted to the Services from your My Consumer Insider Account and acknowledge and agree that your User-Generated Content cannot always be withdrawn.
My Consumer Insider reserves the right in its sole and absolute discretion to promulgate such additional rules and policies which it deems necessary or appropriate to govern the posting or submission of materials on or through the Services. My Consumer Insider reserves the right but has no obligation, to monitor disputes between you and any business that you have reviewed. My Consumer Insider reserves the right in its sole discretion and without obligation to monitor all User-Generated Content to ensure conformity with these Terms and any other rules, policies or regulations as may be promulgated by My Consumer Insider from time to time it its sole discretion, as well as any applicable laws, rules and regulations of any government having proper jurisdiction over My Consumer Insider. BY USING OUR SERVICES, YOU AGREE THAT YOU WILL NOT SUBMIT ANY CONFIDENTIAL INFORMATION OR MATERIALS TO OR THROUGH THE SERVICES OFFERED BY My Consumer Insider. EXCEPT FOR My Consumer Insider ACCOUNTS CREATED PURSUANT TO SECTION 4 ABOVE, My Consumer Insider CANNOT AND DOES NOT AGREE TO MAINTAIN ANY INFORMATION OR MATERIALS YOU SUBMIT TO OR THROUGH THE SERVICES AS CONFIDENTIAL.
b) CONTENT GUIDELINES My Consumer Insider has the right, but not the obligation, to refuse to post, edit, delete, truncate or to remove any User-Generated Content for any reason, including if the User-Generated Content contains any of the following: Offensive, harmful and/or abusive language, including without limitation: expletives, profanities, obscenities, harassment, vulgarities, sexually explicit language and hate speech (e.g., racist/discriminatory speech) References to illegal activity, malpractice, purposeful overcharging, false advertising or health code violations (e.g., food poisoning, foreign objects in food, etc.) Reviews submitted by the reviewed business’ employees (past or present) or competitors, as determined by My Consumer Insider Reviews that do not address the goods and services of the business or Reviews with no qualitative value (e.g., “this place is great!”), as determined by My Consumer Insider in its sole discretion. Content commenting on other users or violating the privacy of other users, as determined by My Consumer Insider, in its sole discretion Content that contains personal attacks or describes physical confrontations and/or sexual harassment References to excessive damage caused by business or service to person or property Personal information or messages including, without limitation, email addresses, URLs, phone numbers and postal addresses Messages that are advertising or commercial in nature, amount to spam, or are otherwise inappropriate based on the applicable subject matter Language that violates the standards of good taste or the standards of this website, as determined by My Consumer Insider in its sole discretion Content determined by My Consumer Insider to be offensive, illegal, or to violate any federal, state, or local law or regulation or the rights of any other person or entity Language intended to impersonate other users (including names of other individuals) or offensive or inappropriate user names or signatures Content that is not in English, that is encrypted or that contains viruses, Trojan horses, worms, time bombs, cancelbots or other computer programming routines that are intended to damage, interfere with, intercept or appropriate any system, data or personal information Content that otherwise violates these Terms, or any Service-Specific Rules, or that may harm or threaten the safety of other users of the Services Content that is false or intentionally misleading Nothing set forth above shall alter or diminish your responsibility with respect to your User-Generated Content, as discussed herein. Reviews do not reflect the views of My Consumer Insider or any My Consumer Insider Parties. My Consumer Insider does not assume responsibility or liability for any Review or for any claims, damages, or losses resulting from any use of a Review. You acknowledge and agree that, with respect to any conduct within the Services, My Consumer Insider assumes and shall have no liability for any action or failure to act on the part of My Consumer Insider. We are under no obligation to enforce the Terms on your behalf or against another user.
c) OUR RIGHT TO USE YOUR CONTENT; DERIVATIVE WORKS You hereby grant My Consumer Insider, its subsidiaries, and/or affiliated companies an irrevocable, unrestricted, royalty-free and perpetual worldwide license to use, reproduce, broadcast, modify, adapt, translate, transmit, sell, store, privately and publicly display, privately and publicly perform, create derivative works based upon, distribute, and promote any and all User-Generated Content that you submit, upload, post, send to or through all or any portion of the Services, including without limitation, both within the Services and such other products or services as My Consumer Insider may designate in any medium now known or hereafter devised, for editorial, commercial, promotional and all other purposes. To the extent you submit to My Consumer Insider any ideas, concepts, know-how, techniques or other materials and/or information of any kind, you agree that we are free to use any and all of the foregoing without further permission or payment to you or any third party. You also permit any user of the Services or My Consumer Insider Web Pages to access, display, view, store and reproduce such User-Generated Content for personal use. You waive any right to inspect or approve uses of any User-Generated Content you submit or to be compensated for any such uses. My Consumer Insider is under no obligation to give credit or pay any consideration to you for User-Generated Content. You agree that My Consumer Insider owns all right, title, and interest in any compilation, collective work or other derivative work created by My Consumer Insider using or incorporating your User-Generated Content, irrespective of any right, title or interest you or others may retain in your User-Generated Content. By submitting User Generated-Content to or through the Services, you represent and warrant that (i) you have the right to grant any and all necessary licenses and rights provided herein, including without limitation, all necessary copyright and other related rights to the User-Generated Content, free and clear of all claims and encumbrances without violating the rights of any person or entity, including any right to privacy or publicity, and (ii) the User-Generated Content does not and shall not infringe on any copyright or any other third party right nor violate any applicable law or regulation. My Consumer Insider does not owe you any payment with regard to any feedback, ideas, suggestions, or anything else about the Services contained in any User-Generated Content.
6. PROHIBITED ACTIVITIES Without limiting the generality of Section 5, you will not use the Services, or any My Consumer Insider Web Page (i) to violate or infringe upon the rights of others in any way, (ii) to violate or facilitate the violation of any law or to encourage others to violate any law, (iii) to send unsolicited bulk e-mail and/or instant messages, (iv) to transmit, relay, or otherwise communicate vulgar, unlawful, obscene, profane, indecent or otherwise offensive or objectionable materials or information, (v) to falsify your identity or impersonate another person; or (vi) to engage in conduct that limits the use and enjoyment of the Services, or any part thereof, by other users in any way, as determined by My Consumer Insider in its sole and absolute discretion. You will not send automated queries of any sort to the Services without express permission in advance from My Consumer Insider. Please note that “sending automated queries” includes, among other things
(a) using any software that sends queries to the Services to determine how a web site or web page “ranks” on the Services for various queries;
(b) “meta-searching” the Services; (c) performing “offline” searches on the Services; and (d) using software robots, spiders, or other tools to “scrape” or automatically copy any portions of the Web Site or Services. You may not reproduce, duplicate, copy, sell, resell, exploit or otherwise use the My Consumer Insider Web Pages, any portion thereof, or any services or products available thereunder for commercial purposes. You may not use the My Consumer Insider Web Pages in any way that harms My Consumer Insider, its affiliates, resellers, distributors, advertisers, service providers and/or suppliers (each, a “My Consumer Insider Party” and collectively, the “My Consumer Insider Parties”) or any customer of a My Consumer Insider Party, as determined in My Consumer Insider’s sole discretion. Without limiting the generality of this Section, you will not use the My Consumer Insider Web Pages in any manner that could damage, disable, overburden, or impair any My Consumer Insider Web Page (or the network(s) connected to any Internet Web Page) or interfere with any other party’s use and enjoyment of the Services. Your use of the Services does not give you ownership of or any rights to any materials or content that may be provided to you in connection with your use of the Services, all of which is owned by My Consumer Insider, its Partners, or other entities.
You agree not to (1) reverse engineer, disassemble, alter, decompile, duplicate, create derivative works from, make copies of, extract information from, provide or distribute others with any portion of the My Consumer Insider Web Pages or Services, or any information available on, extracted or derived from the My Consumer Insider Web Pages or Services, or any part thereof;
(2) connect, use, attempt to connect or use in any way the Services, for purposes other than your private, personal use in good faith and as explicitly offered on our website, including without limitation for any commercial purpose, such as, for instance, sending unsolicited communications of any type or nature;
(3) interfere, block, disable or otherwise affect any advertising, advertising element, advertisement banner window, links to other sites and services, or other features that constitute an integral part of the Services; and (4) incorporate, integrate or otherwise include any portion of the Services that is comprised of software into any software, program or product that communicates, accesses, or otherwise connects with the Services or any other instant messaging, Internet, or online service. Finally, you may not assist, encourage, enable, or authorize or assist any third party to do any of the things described in this section.
7. TERMINATION; VIOLATIONS; SURVIVAL My Consumer Insider may terminate these Terms, or terminate or suspend your access to the Services and/or My Consumer Insider Web Pages at any time, with or without cause, and with or without notice. Upon such termination or suspension, your right to use the Services will immediately cease. If you violate these Terms in any way, including, without limitation, by repeat infringement of copyrights, My Consumer Insider may, at its sole discretion, terminate your account, remove or modify any account-related content or access (including, but not limited to, reviews, newsletters, and promotions), or take any other action that My Consumer Insider believes is appropriate. My Consumer Insider may investigate violations of these Terms and may involve and cooperate with law enforcement authorities in prosecuting users of the Services or My Consumer Insider Web Pages who are involved in such violations. If your access to the Services is terminated, My Consumer Insider may exercise whatever means it deems necessary to prevent unauthorized access to the Services, including, but not limited to, technological barriers, IP mapping, and direct contact with your Internet service provider. In the event of termination of these Terms, whether by us or you, these Terms shall survive in full force and effect indefinitely, including our right to use your User-Generated Content unless and until My Consumer Insider chooses to terminate such Terms, regardless of whether you close your My Consumer Insider Account or whether you continue to use the Services and/or My Consumer Insider Web Pages.
8. My Consumer Insider POLICIES
b) COPYRIGHT INFRINGEMENT CLAIMS My Consumer Insider respects the intellectual property of others and asks its users, advertisers, licensors and service providers to do the same. If you believe that your work has been copied and is accessible on or through the Services in a way that constitutes copyright infringement, go to http://My Consumer Insider.com?page=copyright for instructions on how to report copyright infringement to My Consumer Insider.
c) MOBILE APPLICATIONS
You represent that you have read and understood our Mobile App Terms of Service located at in connection with your use and/or download of our mobile applications. 9. USE OF USER-GENERATED CONTENT My Consumer Insider does not control, verify or endorse any User-Generated Content posted by third-parties on the Services or My Consumer Insider Web Pages, and does not guarantee the accuracy, integrity, timeliness or quality of such content. You understand that, by using the Services or accessing the My Consumer Insider Web Pages, you may be exposed to content that is offensive, indecent or objectionable. You agree that you must evaluate and bear all risks associated with the use of any content on the Services, including any reliance on the content, integrity, and accuracy of such content. If you see objectionable content or have any questions about this Agreement, please contact My Consumer Insider at My Consumer Insider.
10. PROPRIETARY INFORMATION
As you use the Services, you should expect to receive, access or use information, text, materials, graphics, software, sound, data, advertising, and other content (collectively, “Content”) provided by My Consumer Insider and other My Consumer Insider Parties. You acknowledge and agree that the My Consumer Insider Web Pages and any Content, Services or software available through or used in connection with the My Consumer Insider Web Pages, including without limitation proprietary databases, software, servers, components, and algorithms necessary to operate and provide the Services, contain proprietary and confidential information that is owned by one or more My Consumer Insider Parties, and is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content made available via the Services or My Consumer Insider Web Pages, but provided by third parties may be subject to separate terms and Conditions established by those third parties. My Consumer Insider’s formatting of such content, including the selection of such available content, and its arrangement, enhancement, and coordination is copyright protected by My Consumer Insider. You further acknowledge and agree that Content contained in advertisements or information presented to you through the My Consumer Insider Web Pages or by advertisers is protected by copyright, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by the appropriate My Consumer Insider Parties, you agree not to modify, rent, lease, loan, sell, publish, transmit, distribute, create derivative works based on, or in any way exploit the Services, the My Consumer Insider Web Pages, or any Content available through or used in connection with the My Consumer Insider Web Pages, in whole or in part. You are not permitted to store any portion of the content of the Services in a computer unless it is for personal and non-commercial use.
11. TRADEMARK INFORMATION
You acknowledge and agree My Consumer Insider® and other My Consumer Insider logos, products and service names are or may be trademarks and/or service marks of My Consumer Insider (“My Consumer Insider Marks”). You agree that you will not display or use the My Consumer Insider Marks in any manner, without the express written permission of My Consumer Insider. The names of other products and companies contained within our Services may be the trademarks or service marks of their respective owners. Nothing in these Terms grants you any license to use any trademark, service mark, names or logos of My Consumer Insider, any My Consumer Insider Parties, or any third party.
12. INFORMATION AVAILABLE FROM THE RESULTS PAGES My Consumer Insider and the My Consumer Insider Parties do not warrant or guarantee the accuracy, completeness or timeliness of any information available via the Services, or on any My Consumer Insider Web Page. My Consumer Insider and the My Consumer Insider Parties do not authorize the use of information available via the Services or on any My Consumer Insider Web Page for any purpose other than your personal use. You may not resell, redistribute or use this information for commercial purposes. My Consumer Insider does not endorse or recommend any particular product or service.
14. LINKS; THIRD-PARTY SERVICES
Certain portions of the Services contain features and functionality that may link to or be provided from a third party, including without limitation third party websites, databases, applications, software, programs, services, directories, servers, networks, and systems (collectively, “Third Party Services”). My Consumer Insider provides access to these Third-Party Services to you as a convenience only and My Consumer Insider does not, in any way, control or manage such Third Party Services. As such, My Consumer Insider is not responsible for the content, functionality, accuracy, truthfulness, or availability of such Third Party Services or any link contained therein. By making such Third Party Services available via the Services, My Consumer Insider is not endorsing or warranting such Third Party Services in any way. Furthermore, My Consumer Insider does not endorse any product or service that may be offered on or through such Third Party Services or through advertising delivered on or through the Services. Under no circumstances shall the access to or availability of such Third Party Services give rise to any liability to anyone for any damage of whatever nature whatsoever.
15. REQUESTS FOR REMOVAL OF LINKS FROM INDICES My Consumer Insider occasionally receives requests to remove links from its indices that generate web results. Although My Consumer Insider reserves the right to address such requests individually, My Consumer Insider is generally not willing to remove any links from its indices.
16. SECURITY AND PRIVACY LIMITATIONS
By use of any of the Services, you acknowledge that you are aware
(1) that data and information on the Services may be subject to forgery, eavesdropping, tampering, sniffing, spamming, spoofing, password cracking, harassment, fraud, electronic trespassing, hacking, nuking, system contamination including viruses, worms and Trojan horses causing unauthorized, damaging and/or harmful access to, or retrieval of, information and data on your computer; (2) of security and privacy limitations in the Services including without limitation the limitation of security, privacy and authentication measures and features; (3) that the security and privacy feature available on the Services, are provided to you as a convenience only and may not operate according to their description or may not operate at all; and (4) that information, data or messages may not reach their destination or may reach an erroneous address or recipient.
You acknowledge that, as with most Internet applications (i.e. e-mail), there are certain risks associated with accepting or downloading files from or through My Consumer Insider. Such risks include, but are not limited to, (1) damage to your computer, (2) damage to any data or files stored on your computer, (3) My Consumer Insider users viewing your IP address, and (4) files you share with other My Consumer Insider users being redistributed and used without your knowledge.
17. My Consumer Insider MAKES NO WARRANTY THE My Consumer Insider PARTIES PROVIDE THE SERVICES AND My Consumer Insider WEB PAGES “AS IS,” “WITH ALL FAULTS” AND “AS AVAILABLE,” AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, SECURITY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE My Consumer Insider PARTIES MAKE NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. THE My Consumer Insider PARTIES DISCLAIM ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION (1) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE AND NON-INFRINGEMENT, (2) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE, AND (3) WARRANTIES OR CONDITIONS THAT ACCESS TO OR USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. My Consumer Insider DOES NOT WARRANT THAT THE SERVICES, My Consumer Insider WEB PAGES OR WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE OR ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. YOU UNDERSTAND AND AGREE THAT YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIAL OR DATA THROUGH THE USE OF My Consumer Insider’S WEB PAGES OR SERVICES AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL OR DATA. IF YOUR USE OF THE My Consumer Insider WEBSITES OR THE SERVICES RESULTS IN THE NEED FOR SERVICING OR REPLACEMENT OF EQUIPMENT OR DATA, My Consumer Insider IS NOT RESPONSIBLE FOR THOSE COSTS.
18. LIABILITY LIMITATION; YOUR EXCLUSIVE REMEDY IN NO EVENT WILL ANY My Consumer Insider PARTY BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM THIS AGREEMENT OR YOUR USE OF THE SERVICES OR THE My Consumer Insider WEB PAGES, EVEN IF SUCH My Consumer Insider PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE EXCLUSION OF DAMAGES UNDER THIS SECTION 18 IS INDEPENDENT OF YOUR EXCLUSIVE REMEDY AND SURVIVES IN THE EVENT SUCH REMEDY FAILS OF ITS ESSENTIAL PURPOSE OR IS OTHERWISE DEEMED UNENFORCEABLE. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (1) BREACH OF CONTRACT, (2) BREACH OF WARRANTY, (3) NEGLIGENCE, OR (4) ANY OTHER CAUSE OF ACTION, TO THE EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU ARE DISSATISFIED WITH THE SERVICES, YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, OR YOU HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST ANY My Consumer Insider PARTY WITH RESPECT TO THIS AGREEMENT OR THE SERVICES, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICES.
19. CHANGES TO THE SERVICES; ADDITIONAL LIABILITY LIMITATION WITHOUT LIMITING THE GENERALITY OF SECTIONS 17 AND 18, YOU ACKNOWLEDGE AND AGREE THAT THE My Consumer Insider PARTIES ARE NOT RESPONSIBLE OR LIABLE FOR (1) ANY CONTENT PROVIDED BY My Consumer Insider OR ANY THIRD PARTIES, INCLUDING WITHOUT LIMITATION, ANY INFRINGING, INACCURATE, OBSCENE, INDECENT, THREATENING, OFFENSIVE, DEFAMATORY, TORTIOUS, OR ILLEGAL CONTENT, OR (2) ANY THIRD PARTY CONDUCT, TRANSMISSIONS OR DATA. IN ADDITION, WITHOUT LIMITING THE GENERALITY OF SECTIONS 17 AND 18, YOU ACKNOWLEDGE AND AGREE THAT My Consumer Insider IS NOT RESPONSIBLE OR LIABLE FOR (1) ANY VIRUSES OR OTHER DISABLING FEATURES THAT AFFECT YOUR ACCESS TO OR USE OF THE SERVICES, (2) ANY INCOMPATIBILITY BETWEEN THE WEB SITE OR My Consumer Insider WEB PAGES AND OTHER WEBSITES, SERVICES, SOFTWARE AND HARDWARE, (3) ANY DELAYS OR FAILURES YOU MAY EXPERIENCE IN INITIATING, CONDUCTING OR COMPLETING ANY TRANSMISSIONS OR TRANSACTIONS IN CONNECTION WITH THE SERVICES IN AN ACCURATE OR TIMELY MANNER, (4) ANY LOSS OR LIABILITY RESULTING FROM ERRORS, OMISSIONS OR MISSTATEMENTS IN ANY AND ALL INFORMATION OR SERVICES PROVIDED BY My Consumer Insider TO YOU, OR (5) ANY LOSSES, DAMAGES OR COSTS OF ANY TYPE ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF ANY SERVICES AVAILABLE FROM THIRD PARTIES THROUGH LINKS CONTAINED ON THE My Consumer Insider WEB PAGES. YOU AGREE THAT YOU MUST EVALUATE AND BEAR ALL RISKS ASSOCIATED WITH THE USE OF ANY CONTENT PROVIDED BY My Consumer Insider OR ANY THIRD PARTIES, INCLUDING ANY RELIANCE ON THE ACCURACY OR COMPLETENESS OF SUCH CONTENT. THE LIMITATIONS, EXCLUSIONS, AND DISCLAIMERS IN SECTIONS 17, 18 AND 19 OF THIS AGREEMENT APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW AND ARE NOT INTENDED TO DEPRIVE YOU OF ANY MANDATORY PROTECTIONS PROVIDED TO YOU UNDER APPLICABLE LAW.
You agree to release, indemnify, defend and hold harmless My Consumer Insider, its parent, subsidiaries and affiliates, and its and their shareholders, officers, directors, employees, agents, and advisors, from and against any and all losses, liabilities, claims (including claims without legal merit or brought in bad faith), demands, damages, costs or expenses, causes of action, suits, proceedings, judgments, awards, executions and liens, including reasonable attorneys’ fees and costs (whether brought by third parties or otherwise) (collectively, “Claims”) due to or arising out of Content you submit, post, transmit, modify or otherwise make available through the Services, your use of the Services, your connection to the Services, any breach by you of this Agreement, or your violation of any rights of another. My Consumer Insider reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, which will not excuse your indemnity obligations under this Section.
If this Agreement is with My Consumer Insider, claims for enforcement, breach or violation of duties or rights under this Agreement will be adjudicated under the laws of the State of California, without reference to conflict of laws principles. If this Agreement is with a My Consumer Insider affiliate, claims for enforcement, breach or violation of duties or rights under this Agreement will be adjudicated under the laws of the place of incorporation for such My Consumer Insider affiliate, without reference to conflict of laws principles. All other claims, including, without limitation, claims under or for violation of consumer protection laws, unfair competition laws, and in tort, will be adjudicated under the laws of your state of residence in the United States, or, if you reside outside the United States, under the laws of the country to which the subject My Consumer Insider Web Pages are directed. If this Agreement is with My Consumer Insider, you hereby irrevocably consent to the exclusive jurisdiction and venue of state or federal courts in Orange County, California, the USA in all disputes arising out of or relating to this Agreement or the use of the Services. If this Agreement is with a My Consumer Insider affiliate, you hereby consent to the exclusive jurisdiction and venue of the courts located in the place of incorporation for such My Consumer Insider affiliate in all disputes arising out of or relating to this Agreement or the use of the Services.
Use of the Services is unauthorized in any jurisdiction that does not give effect to all provisions of this Agreement, including without limitation this Section. If for any reason a court of competent jurisdiction finds any provision or portion of this Agreement to be unenforceable, the remainder of this Agreement will continue in full force and effect. A printed version of this Agreement and any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. My Consumer Insider may assign this Agreement, in whole or in part, at any time with or without notice to you. You may not assign this Agreement. Except as expressly stated herein, this Agreement constitutes the entire agreement between you and My Consumer Insider with respect to the Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and My Consumer Insider with respect to the Services. The section titles in the Terms are solely used for the convenience of the parties and have no legal or contractual significance. Any failure by My Consumer Insider to exercise or enforce any provision of the Terms does not constitute a waiver of such right or provision. YOU AND My Consumer Insider AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
22. COPYRIGHT AND TRADEMARK NOTICES; OTHER ACKNOWLEDGEMENTS
All contents of the My Consumer Insider Web Pages are copyrighted by My Consumer Insider and/or its suppliers. The U.S.A. All rights reserved. My Consumer Insider, the My Consumer Insider name, and logos (old and new), and/or other My Consumer Insider products and services referenced herein may also be either trademarks or registered trademarks of My Consumer Insider in the United States and/or other countries. The names of actual companies and products mentioned herein may be the trademarks of their respective owners. The example companies, organizations, products, domain names, e-mail addresses, logos, people, places and events depicted herein are fictitious. No association with any real company, organization, product, domain name, e-mail address, logo, person, places or events is intended or should be inferred. Any rights not expressly granted herein are reserved.