Updated: June 8th, 2017

LicensedandInsured.com. (“LicensedandInsured.com”) helps consumers hire, research, review and rate a variety of service

contractors (collectively, “Service Providers”). The following Terms of Use outline your obligations when using the LicensedandInsured.com websites, mobile applications, and it’s services.

ACCEPTANCE OF TERMS

The LicensedandInsured.com Internet site available at www.LicensedandInsured.com, the LicensedandInsured.com mobile application, all related sites and mobile applications, and the various content, features, and services offered on and

in connection with these sites and applications are owned and operated by LicensedandInsured.com and can only be accessed and used by you under the Terms of Use described below (“Terms of Use”).

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING, DOWNLOADING, OR USING ANY OF

THE SITES AND SERVICES, YOU AGREE TO BECOME BOUND BY THESE TERMS AND CONDITIONS. IF

YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS, THEN YOU MAY NOT ACCESS AND USE

THE SITES AND SERVICES.

MODIFICATIONS OF TERMS OF USE

LicensedandInsured.com may, in its sole discretion, modify these Terms of Use at any time effective upon posting

the modified Terms of Use on and in connection with the Sites and Services, with or without

additional notice to you. You are responsible for regularly reviewing information posted on the Sites

and Services to obtain timely notice of such changes. If you do not agree to the amended terms, you

agree to immediately stop using the Sites and Services and to provide LicensedandInsured.com notice to remove

you from any distribution lists or other communication list that are available to you through your

use of the Sites and Services. YOUR CONTINUED USE OF THE SITE AND SERVICES AFTER SUCH

POSTING (OR OTHER NOTIFICATION, IF ANY) MEANS YOU ACCEPT AND AGREE TO BE BOUND BY THE

MODIFIED TERMS OF USE.

USE OF THE SITE AND SERVICES

Subject to full compliance with these Terms of Use, LicensedandInsured.com grants authorized users a

nonexclusive, nontransferable, nonsublicensable, terminable license to access and use the Sites

and Services for your personal use. You agree to not access, reproduce, duplicate, copy, sell, re-sell,

modify, distribute, transmit, or otherwise exploit the Sites or Services or any of their content for any

purpose except for your personal use and as described in these Terms of Use, without the express

written consent of LicensedandInsured.com. LicensedandInsured.com may modify, update, suspend or discontinue the Sites

and Services, in whole or in part, at our sole discretion for any or no reason, at any time and with or

without notice. LicensedandInsured.com shall not be liable to any user or other third party for any such

modification, update, suspension or discontinuance.

Warranties and Disclaimers

You acknowledge that LicensedandInsured.com has no control over, and no duty to take any action regarding:

which users gain access to or use the Sites and Services; what effects the content on or in

connection with the Sites and Services may have on you; how you may interpret or use the content

on or in connection with the Sites and Services; or what actions you may take as a result of having

been exposed to the content on or in connection with the Sites and Services. You release LicensedandInsured.com

from all liability for you having acquired or not acquired content or information through the Sites

and Services. The Sites and Services may contain, or direct you to sites containing, information that

some people may find offensive or inappropriate. LicensedandInsured.com makes no representations concerning

any content contained in or accessed through the Sites and Services, and LicensedandInsured.com will not be

responsible or liable for the accuracy of the License(s), Insurance validity submitted or not submitted to our site, copyright compliance, legality or decency of material contained in or accessed through the Sites and Services. LicensedandInsured.com makes no guarantee or warranty, express or implied, as to the reliability, accuracy, timeliness or completeness of that information and assumes no responsibility for any errors or omissions therein.

YOU ACCESS AND USE THE SITES AND SERVICES AT YOUR OWN RISK. THE SITES AND SERVICES ARE

PROVIDED ON AN ‘AS IS, AS AVAILABLE’ BASIS WITHOUT WARRANTY OF ANY KIND AND ANY AND ALL

WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT

ARE SPECIFICALLY DISCLAIMED. NEITHER LICENSEDANDINSURED.COM NOR ITS AFFILIATES,

EMPLOYEES, AGENTS OR THIRD PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY LOSS

RESULTING FROM USE OR UNAVAILABILITY OF INFORMATION OR CONTENT ON OR IN CONNECTION

WITH THE SITES AND SERVICES, INCLUDING BUT NOT LIMITED TO ANY LOST PROFITS, LOSS OR

DAMAGE TO DATA, OR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, COMPENSATORY OR

INCIDENTAL DAMAGES, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS DISCLAIMER IS APPLICABLE TO ANY DAMAGE OR INJURY RESULTING FROM NEGLIGENCE OR

OMISSION OF LICENSEDANDINSURED.COM, COMPUTER VIRUS OR OTHER SIMILAR ITEM, TELECOMMUNICATIONS ERRORS, OR UNAUTHORIZED ACCESS TO, OR USE OF USER INFORMATION THROUGH THEFT OR ANY OTHER MEANS. WE ARE NOT LIABLE FOR CRIMINAL, TORTUOUS, OR NEGLIGENT ACTIONS OR

OMISSIONS OF THIRD PARTIES THAT AFFECT THE SITES AND SERVICES. IN NO EVENT WILL LICENSEDANDINSURED.COM OR ANY OF ITS DIRECTORS, OFFICERS, AFFILIATES, AGENTS, EMPLOYEES, ASSIGNS OR THIRD PARTY CONTENT PROVIDERS BE HELD LIABLE FOR ANY TORTUOUS OR ILLEGAL CONDUCT OF OTHER USERS. IN NO EVENT WILL LICENSEDANDINSURED.COM OR ANY OF ITS AFFILIATES, AGENTS, EMPLOYEES OR ASSIGNS BE HELD LIABLE FOR ANY DAMAGE TO EQUIPMENT, HARDWARE OR OTHER PROPERTY OF USER OR

PERSONAL INJURY THAT ARISES IN CONNECTION WITH USE OF THE SITES AND SERVICES.

ANY MATERIAL ACCESSED, DOWNLOADED, OR OTHERWISE OBTAINED THROUGH THE USE OF THE

SITES AND SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY

RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS

FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR

WRITTEN, OBTAINED BY YOU FROM LICENSEDANDINSURED.COM OR THROUGH OR FROM THE SITES AND/OR

SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THE TERMS, LICENSEDANDINSURED.COM DOES NOT REPRESENT OR WARRANT THAT (I) THE SITES AND/OR SERVICES WILL MEET YOUR REQUIREMENTS, (II) THE SITES AND/OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS

THAT MAY BE OBTAINED FROM THE USE OF THE SITES AND/OR SERVICES WILL BE ACCURATE OR

RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL

PURCHASED OR OBTAINED BY YOU THROUGH THE SITES WILL MEET YOUR EXPECTATIONS, AND (V)

ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED. YOU AGREE THAT FROM TIME TO TIME WE

MAY REMOVE THE SERVICE FOR INDEFINITE PERIODS OF TIME, OR CANCEL THE SERVICE AT ANY TIME,

WITHOUT NOTICE TO YOU. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THEABOVE EXCLUSION OF IMPLIED WARRANTIES MAY NOT APPLY TO YOU. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR

CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, LICENSEDANDINSURED.COM’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

LICENSEDANDINSURED.COM SHALL USE REASONABLE EFFORTS TO PROTECT INFORMATION SUBMITTED BY YOU IN CONNECTION WITH THE SERVICES, BUT YOU ACKNOWLEDGE AND AGREE THAT YOUR SUBMISSION

OF SUCH INFORMATION IS AT YOUR SOLE RISK, AND LICENSEDANDINSURED.COM HEREBY DISCLAIMS ANY AND ALL LIABILITY TO YOU FOR ANY LOSS OR LIABILITY RELATING TO SUCH INFORMATION IN ANY WAY.

LicensedandInsured.com has no control over and no duty to take any action regarding: other users’ behavior; what

effects Content may have on you; how you may interpret or use Content; or what actions you may

take as a result of having been exposed to Content. You release LicensedandInsured.com from all liability for you

having acquired or not acquired Content through the Sites and Services. LicensedandInsured.com makes no

representations concerning any Content, including the accuracy thereof, contained in or accessed

through the Sites and Services, and LicensedandInsured.com will not be responsible or liable for the accuracy,

copyright compliance, legality or decency of material contained in or accessed through the Sites and

Services.

The Sites and Services may display links to other Internet sites or resources. Because LicensedandInsured.com

has no control over such sites and resources, you acknowledge and agree that LicensedandInsured.com is not

responsible for the availability of such external sites or resources, and does not endorse and is not

responsible or liable for any content, advertising, products or other materials on or available from

such sites or resources.

You further acknowledge and agree that LicensedandInsured.com shall not be responsible or liable, directly or

indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or

reliance on any such content, goods or services available on or through any such site or resource.

Indemnity

You agree to indemnify, defend and hold harmless LicensedandInsured.com, its officers, managers, owners,

employees, agents, designees, users, successors, assigns, service providers and suppliers from and

against all losses, liabilities, expenses, damages, claims, demands and costs, including reasonable

attorneys’ fees and court costs due to or arising from: (a) any violation of these Terms of Use by you;

(b) the inaccurate or untruthful Content or other information provided by you to LicensedandInsured.com or that

you submit, transmit or otherwise make available through the Service; or (c) any intentional or

willful violation of any rights of another or harm you may have caused to another. LicensedandInsured.com will

have sole control of the defense of any such damage or claim.

Limitation of liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT LICENSEDANDINSURED.COM WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, COMPENSATORY, CONSEQUENTIAL OR EXEMPLARY

DAMAGES (EVEN IF LICENSEDANDINSURED.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES)

(COLLECTIVELY, “DAMAGES”), RESULTING FROM: (A) THE USE OR INABILITY TO USE THE SERVICE; (B)

THE COST OF ANY GOODS AND/OR SERVICES PURCHASED OR OBTAINED AS A RESULT OF THE USE OF

THE SERVICE; (C) DISCLOSURE OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR

INFORMATION OR CONTENT; (D) CONTENT YOU SUBMIT, RECEIVE, ACCESS, TRANSMIT OR

OTHERWISE CONVEY THROUGH THE SERVICE; (E) STATEMENTS OR CONDUCT OF ANY SERVICE

PROVIDERS OR OTHER THIRD PARTY THROUGH THE SERVICE; (F) ANY OTHER MATTER RELATING TO

THE SERVICE; (G) ANY BREACH OF THIS AGREEMENT BY LICENSEDANDINSURED.COM OR THE FAILURE OF LICENSEDANDINSURED.COM TO PROVIDE THE SERVICE UNDER THIS AGREEMENT OR (H) ANY OTHER DEALINGS OR INTERACTIONS YOU HAVE WITH ANY SERVICE PROVIDERS (OR ANY OF THEIR REPRESENTATIVES OR AGENTS). THESE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, some of the foregoing limitations may not apply to You. You understand and agree that Your unlimited access to the Content on the Website or in the

Magazine represents a substantial portion of the value You receive from Your LicensedandInsured.com’s

Membership Fee. THEREFORE, TO THE EXTENT LICENSEDANDINSURED.COM IS FOUND LIABLE FOR ANYTHING

RELATED TO THIS AGREEMENT OR THE USE OF THE SERVICE, LICENSEDANDINSURED.COM’S LIABILITY FOR DAMAGES WILL NOT EXCEED THE EQUIVALENT OF ONE (1) MONTH OF YOUR MEMBERSHIP FEE (I.E., THE

AMOUNT OF YOUR ANNUAL MEMBERSHIP FEE DIVIDED BY TWELVE). YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT LICENSEDANDINSURED.COM CONTRACTS WITH A THIRD PARTY TO

PROCESS YOUR PAYMENT OF MEMBERSHIP FEES TO LICENSEDANDINSURED.COM THROUGH THE USE OF A CREDIT CARD (A “CREDIT CARD PROCESSOR”). YOU UNDERSTAND AND AGREE THAT NEITHER A CREDIT CARD

PROCESSOR NOR ANY OTHER PARTY INVOLVED IN THE CREDIT CARD PROCESSING PROCESS FOR

LICENSEDANDINSURED.COMLUDING, BUT NOT LIMITED TO, THE COMPANY ISSUING THE CREDIT CARD TO YOU

AND THE MERCHANT BANK (COLLECTIVELY, THE “RELEASED PARTIES”) SHALL BE LIABLE FOR ANY

DAMAGES (AS DEFINED HEREIN AND SUBJECT TO THE LIMITATIONS SET FORTH IN THIS SECTION

SUFFERED BY YOU AS A RESULT OF THE FAILURE OF LICENSEDANDINSURED.COM TO PROVIDE SERVICES TO YOU UNDER THIS AGREEMENT OR ANY BREACH OF THIS AGREEMENT BY LICENSEDANDINSURED.COM. YOU HEREBY RELEASE EACH OF THE RELEASED PARTIES FROM ANY AND ALL DAMAGES YOU MAY SUFFER AS A

RESULT OF THE FAILURE OF LICENSEDANDINSURED.COM TO PROVIDE SERVICES TO YOU UNDER THIS AGREEMENT OR ANY BREACH OF THIS AGREEMENT BY LICENSEDANDINSURED.COM. YOU AGREE TO INDEMNIFY AND HOLD HARMLESS EACH OF THE RELEASED PARTIES FOR ANY AND ALL DAMAGES IT MAY SUFFER AS A RESULT OF YOUR BREACH OF THIS SECTION. YOU HEREBY UNDERSTAND AND AGREE THAT LICENSEDANDINSURED.COM SHALL BE SOLELY LIABLE FOR THE PAYMENT OF ANY DAMAGES TO YOU UNDER THISAGREEMENT.

BREACH OF TERMS OF USE AND LIQUIDATED

DAMAGES

You understand that the content in each report or record on LicensedandInsured.com has significant value to

LicensedandInsured.com and that the damage caused to LicensedandInsured.com for any violation of these Terms of Use

pertaining to a report or record will be difficult to accurately estimate. Thus you shall be liable to

pay us the following amounts as liquidated damages, and you agree that the liquidated damages

are a reasonable estimate of LicensedandInsured.com’s damages for the specified breaches of these Terms of

Use:

1. If you post Content in violation of these Terms of Use, you agree to promptly pay LicensedandInsured.com

One Thousand Dollars ($1,000) for each item of Content posted in violation of these Terms of

Use. We may (but shall not be required to) to issue you a warning before assessing damages.

2. If you display, copy, duplicate, reproduce, sell, re-sell or exploit for any purpose any Content in

violation of these Terms of Use, you agree to pay One Hundred Dollars ($100) for each record

or report that you displayed, copied, duplicated, reproduced, sold, re-sold or exploited for any

purpose.

3. If you use computer programming routines that are intended to aggregate records or reports

from the Sites and Services or otherwise damage, interfere with, disrupt, impair, disable or

otherwise overburden the Sites and Services, you agree to pay One Hundred Dollars ($100) for

each report or record that is aggregated, disrupted, damaged or otherwise affected by you.

4. Except as set forth in the foregoing subparagraphs (a) through (c), inclusive, you agree to pay

the actual damages suffered by LicensedandInsured.comluding, but not limited to attorneys’ fees and

court costs, to the extent such actual damages can be reasonably calculated. Notwithstanding

any other provision of these Terms of Use, we reserve the right to seek the remedy of specific

performance of any term contained herein, or a preliminary or permanent injunction against

the breach of any such term or in aid of the exercise of any power granted in these Terms of

Use, or any combination thereof.

USER CONDUCT

As a condition of your access and use of the Sites and Services and your submission or access to

any ratings, reviews, communications, information, data, text, photographs, audio clips, audiovisual

works, or other materials on the Sites and Services (collectively, the “Content”), you agree not to use

the Sites and Services for any purpose that is unlawful or prohibited by these Terms of Use, or any

other purpose not reasonably intended by LicensedandInsured.com. By way of example, and not as a limitation,

you agree not to:

1. violate these Terms of Use, other applicable agreement with LicensedandInsured.com, and any applicable

local, state, national or international law, and any rules and regulations having the force of

law;

2. use the Sites and Services in any manner that violates any relevant law or that infringes,

misappropriates or violates any third party’s rights, including, but not limited to, transmitting

any Content that may infringe, misappropriate or violate a third party’s rights of publicity,

contractual rights, fiduciary rights or intellectual property rights;

3. use the Sites and Services or its Content for any purposes not authorized by these Terms of

Use, including commercial, political, or religious purposes, including the submission or

transmission of any Content that contains advertisements, promotional materials, junk mail, or

any other form of solicitation;

4. reproduce, duplicate, copy, modify, sell, re-sell or exploit any Content or the Sites and Services

for any commercial, educational, or any other non-personal purpose or any for any purpose

unrelated to your personal purchasing decisions, without the express written consent of

LicensedandInsured.com, which consent may be withheld by LicensedandInsured.com in our sole discretion;

5. post irrelevant Content, repeatedly post the same or similar Content or otherwise impose an

unreasonable or disproportionately large load on our infrastructure, interfere or attempt to

interfere with the proper working of the Sites and Services or any activities conducted on the

Sites and Services;

6. harass, threaten, intimidate, impersonate, or attempt to impersonate, any other person, falsify

your contact or other information, misrepresent a relationship with any person or entity,

including misrepresenting a relationship with LicensedandInsured.com, or otherwise attempt to mislead

others as to the identity of the sender or the origin of a review or rating;

7. knowingly provide or submit false or misleading information;

8. use the Sites and Services if you are under the age of eighteen (18);

9. take any action that would undermine the review and rating process under the Sites and

Services;

10. attempt to gain unauthorized access to the Sites and Services, other user accounts, or other

computer systems or networks connected to the Sites and Services;

11. use the Sites and Services in any way that could interfere with the rights of LicensedandInsured.com or the

rights of other users of the Sites and Services;

12. attempt to gain unauthorized access to any portion or feature of the Sites and Services, or any

other systems or networks connected to the Sites and Services or to any server used by

LicensedandInsured.com by hacking, password ‘mining’ or any other illegitimate or unauthorized means,

including attempting to obtain password, account, or any other personal or private

information from any other Sites and Services user;

13. sell, share, or otherwise transfer your account username, password, other information, or your

rights or obligations under these Terms of Use;

14. transmit or submit any transmission or other materials that are encrypted or that contains

viruses, Trojan horses, worms, time bombs, spiders, cancelbots or other computer

programming routines that is likely or intended to damage, interfere with, disrupt, impair,

disable or otherwise overburden the Sites and Services;

15. access, download, monitor, or copy any information contained on our Sites and Services

through artificial means (including but not limited to use any ‘deep-link’, ‘scraper’, ‘robot’,

spider’ or other automatic device, program, algorithm or methodology, or any similar or

equivalent automatic or manual process, or in any way reproduce or circumvent the

navigational structure or presentation of the Sites and Services or any content, to obtain or

attempt to obtain any Content, materials, documents or information through any means not

purposely made available through the Sites and Services; or

16. probe, scan or test the vulnerability of the Sites and Services or any network connected to the

Sites and Services, nor breach the security or authentication measures on or of the Sites and

Services or any network connected to the Sites and Services. You may not reverse look-up,

trace or seek to trace any information on any other user of the Sites and Services, or any other

customer of LicensedandInsured.comluding any LicensedandInsured.com account not owned by you, to its source, or

exploit the Sites and Services or any service or information made available or offered by or

through the Sites and Services, in any way where the purpose is to reveal any information,

including but not limited to personal identification or information other than your own

information, except as expressly authorized by LicensedandInsured.com and provided for by the Sites and

Services.

LICENSEDANDINSURED.COM SERVICES

When using, accessing, or purchasing particular services or features of the Sites and Services, you

shall be subject to any posted agreements, guidelines, or rules applicable to such services or

features that may be posted from time to time. All such agreements, guidelines, or rules are hereby

incorporated by reference into the Terms of Use.’’’’’’’

REGISTRATION INFORMATION

We may require that you create an account to use or access certain parts of the Sites and Services

and use certain products and features. We may require that you provide login information such as a

username and password to access and utilize your account. As a condition of your use of the Sites

and Service, you agree to (a) provide LicensedandInsured.com with true, accurate, current and complete

information as prompted by the LicensedandInsured.com’s registration forms, when registering for or using the

Sites and Services and (b) update and maintain the truthfulness, accuracy and completeness of

such information. You are responsible for maintaining the confidentiality of any password or other

account information not generally available to others and are fully responsible for all activities that

occur under your username and password. While there are limited, legitimate reasons for creating

multiple accounts, creating serial or overlapping accounts may result in account termination. Please

contact us if you have questions about managing multiple accounts.

Submitting CONTENT

As a condition of submitting any Content or other materials to the Sites or Services, you agree that:

1. you grant to LicensedandInsured.com a royalty free, perpetual, irrevocable, worldwide, nonexclusive,

transferable, and sublicensable license to use, reproduce, copy, adapt, modify, merge,

distribute, publicly display, create derivative works from, incorporate such Content into other

works;

2. you grant to LicensedandInsured.com all rights necessary to publish or refrain from publishing your name

and address in connection with your Content; sublicense through multiple tiers the Content,

and acknowledge that this license cannot be terminated by you once your Content is

submitted to the Sites and Services;

3. you grant to LicensedandInsured.com all rights necessary to prohibit the subsequent aggregation, display,

copying, duplication, reproduction, distribution, or exploitation of your Content by any other

party;

4. your name and report information may be made available to the public and to the Service

Providers on which you report;

5. you represent that you own or have secured all legal rights necessary for the Content

submitted by you to be used by you, LicensedandInsured.com, and others as described and otherwise

contemplated in these Terms of Use;

6. you represent and warrant that each person identified, depicted, or shown in in your Content,

if any, (and if a minor, the parent or guardian of the minor) has provided consent to the use of

the Content consistent with these Terms of Use;

7. you are solely responsible for your reviews and ratings;

8. LicensedandInsured.com may, in its sole discretion, choose to remove or not to remove reviews and ratings

once published;

9. you will not submit any reviews that may be considered by LicensedandInsured.com to be infringing,

harassing, libelous, abusive, threatening, obscene, profane, hateful, offensive, harmful, vulgar,

distasteful, defamatory, or otherwise violates any relevant law or right of any other party, or

racially, ethnically or otherwise objectionable;

10. all of your reviews and ratings will either be based upon (i) your actual first-hand experiences

with the Service Providers you are reviewing or (ii) as provided below, an individual and that

individual’s actual first-hand experience with a health care or wellness provider whereby you

have the legal authority to disclose such health information and experience of such

individual;

11. all of your reviews and ratings of the Service Providers that you are rating will be accurate,

honest, truthful, and complete in all respects;

12. you do not work for, own any interest in or serve on the board of directors of, any of the

Service Providers for which you submit reviews and ratings; you are not in any way related (by

blood, adoption or marriage, if the Service Provider is an individual) to any of the Service

Providers for which you submit reviews or ratings;

13. you have not received any form of compensation to post reviews and ratings;

14. you will submit thorough and thoughtful reviews of the Service Providers you review (for

example, submitting a review describing a service contractor as “He/She is great.” Without

additional commentary is not a thorough and thoughtful review);

15. you will not submit reviews that comment on other users or the reviews of other users;

16. you will not submit reviews with hyperlinks; or

17. the reviews and ratings that you provide do not reflect the views of LicensedandInsured.com, its officers,

managers, owners, employees, agents, designees or other users.

PUBLICATION AND DISTRIBUTION OF CONTENT

LicensedandInsured.com does not guarantee the accuracy, integrity, quality or appropriateness of any Content

transmitted to or through the Service. You acknowledge that LicensedandInsured.com simply acts as a passive

conduit and an interactive computer service provider for the publication and distribution of Content

and for the publication and distribution of any content posted by Service Providers in response to

Content (“Service Provider Content”). You understand that all Content and Service Provider Content

posted on, transmitted through or linked through the Service, are the sole responsibility of the

person from whom such Content originated. You understand that LicensedandInsured.com does not control, and

is not responsible for Content or Service Provider Content made available through the Service, and

that by using the Service, You may be exposed to Content that is inaccurate, misleading, or

offensive. You agree that You must evaluate and make Your own judgment, and bear all risks

associated with, the use of any Content and Service Provider Content.

You further acknowledge that LicensedandInsured.com has no obligation to screen, preview, monitor or approve

any Content or Service Provider Content, or Content posted or submitted by any other LicensedandInsured.com

member or any Service Provider. However, LicensedandInsured.com reserves the right to review and delete any

Content that, in its sole judgment, violates the terms and conditions of this Agreement. By using the

Service, You agree that it is solely YOUR RESPONSIBILITY to evaluate Your risks to bear associated

with the use, accuracy, usefulness, completeness or appropriateness of any Content that You

submit, receive, access, transmit or otherwise convey through the Service. Under no circumstances

will LicensedandInsured.com be liable in any way for any Content or Service Provider Content, including, but not

limited to, any Content or Service Provider Content that contains any errors, omissions, defamatory

statements, or confidential or private information (including, but not limited to, health information)

or for any loss or damage of any kind incurred as a result of the use of any Content or Service

Provider Content submitted, accessed, transmitted or otherwise conveyed via the Service. You waive

the right to bring or assert any claim against LicensedandInsured.com relating to Content or Service Provider

Content, and release LicensedandInsured.com from any and all liability for or relating to any Content or Service

Provider Content.

You may, however, report Content that you believe violates these Terms of Use or is otherwise

unlawful by sending an email to helpdesk@LicensedandInsured.com (for copyright complaints, please see

below). Please note that you may be liable for damages (including costs and attorneys’ fees) for

unlawful misrepresentations. If you are uncertain whether an activity is unlawful, we recommend

seeking advice of an attorney.

You agree that LicensedandInsured.com may establish general practices, policies and limits, which may or may

not be published, concerning the use of the Sites and Services, including without limitation, the time

that reviews and ratings will be retained, the maximum number of reviews and ratings that may be

sent from an account, the length of reviews and ratings sent, and the maximum number of times

and the maximum duration for which you may access the Sites and Services in a given period of

time. You agree that LicensedandInsured.com has no responsibility or liability for the deletion or failure to store

any Content or other materials maintained or transmitted by or through the Sites and Services. You

agree that LicensedandInsured.com has the right to change these general practices and limits at any time, in its

sole discretion, with or without notice.

SERVICE PROVIDERS

LicensedandInsured.com does not endorse and is not responsible or liable for any Content, data, advertising,

products, goods or services available or unavailable from, or through, any third party or Service

Provider (which includes, but is not limited to, health care and wellness providers). You agree that

should you use or rely on such Content, data, advertisement, products, goods or services, available

or unavailable from, or through any third party or Service Provider (which includes, but is not

limited to, health care and wellness providers), LicensedandInsured.com is not responsible or liable, indirectly or

directly, for any damage or loss caused or alleged to be caused by or in connection with such use or

reliance. Your dealings with, or participation in promotions of any Service Provider (which includes,

but is not limited to, health care and wellness providers), and any other terms, conditions,

representations or warranties associated with such dealings, are between you and such Service

Provider (which includes, but is not limited to, health care and wellness providers) exclusively and

do not involve LicensedandInsured.com. You should make whatever investigation or other resources that you

deem necessary or appropriate before hiring or engaging Service Providers (which includes, but is

not limited to, health care and wellness providers).

Third parties and Service Providers may link or otherwise direct Internet users to our Sites and

Services for the purpose of utilizing one or more of the services we provide on behalf of others.

Additionally, we may provide links or otherwise direct you to third party or Service Provider

websites. LicensedandInsured.com does not control or operate any such third party or Service Provider websites.

Any information you provide to these third party or Service Provider websites while on these third

party or Service Provider websites is subject to the respective policies of those third parties or

Service Providers, and not LicensedandInsured.com’s policies. It is your responsibility to review such third party or

Service Provider policies, including any relevant privacy policies. You agree that LicensedandInsured.com will not

be responsible or liable for, and does not endorse any content, advertising, goods or services

provided on or through these outside websites or for your use or inability to use such websites.

LicensedandInsured.com does not make any representations or warranties as to the security of any information

(including, without limitation, credit card and other personal information) you might be requested to

give to any third party or Service Provider sites. You use these third party or Service Provider

websites at your own risk.

You agree that LicensedandInsured.com is not responsible for the accessibility or unavailability of any Service

Provider (which includes, but is not limited to, health care and wellness providers) or for your

interactions and dealings with them, waive the right to bring or assert any claim against LicensedandInsured.com

relating to any interactions or dealings with any Service Provider (which includes, but is not limited

to, health care and wellness providers), and release LicensedandInsured.com from any and all liability for or

relating to any interactions or dealings with Service Providers (which includes, but is not limited to,

health care and wellness providers).

Without limiting the foregoing, your correspondence or business dealings with, consumption of

products or services of, or participation in promotions of, third parties or Service Providers found on

or through the use of the Sites and Services, including payment for and delivery or fulfillment of

related goods or services, and any other terms, conditions, warranties, or representations associated

with such dealings, are solely between you and such third party. You agree that LicensedandInsured.com shall not

be responsible or liable, directly or indirectly, for any loss or damage of any sort incurred as the

result of any such dealings or as the result of the presence of such third parties or Service Providers

on the LicensedandInsured.com Sites and Services.

HEALTH RELATED PROVIDERS

The Sites and Services and its Content are for informational purposes only. The Content is not

intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the

advice of your physician or other qualified health provider with any questions you may have

regarding a medical condition. Never disregard professional medical advice or delay in seeking it

because of something you have read on the Sites and Services.

If you think you may have a medical emergency, call your doctor or 911 immediately. LicensedandInsured.com

does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or

other information that may be mentioned on the Sites and Services. LicensedandInsured.com is not a health or

wellness provider and cannot recommend or refer you to any health or wellness provider. Reliance

on any information provided by LicensedandInsured.com, its employees and others appearing on the Sites and

Services at the invitation of LicensedandInsured.com, or other visitors to the Sites and Services is solely at your

own risk.

The Sites and Services may contain health-related materials that are sexually explicit. If you find

these materials offensive, should not use the Sites and Services. You should be aware that if you

post any health-related information about yourself or anyone else on the Sites and Services, you do

so at your own risk. If you post health information about services rendered to another individual,

you represent that you have the legal authority to receive health information about that individual

from that individual’s health care providers and that you have the legal authority to further disclose

such health information. If you post health-related information, you will be placing it into the public

domain which may violate federal or state laws that protect the privacy of health information. You

also acknowledge that the health care or wellness provider about whom you submit Content may

submit Content that contain your private or confidential health information in response to Content

you submit. LicensedandInsured.com is not liable for any such Content. LicensedandInsured.com cannot be expected to keep

you health information confidential if you post it to the Sites or Services or otherwise make it

available to others.

Termination of Access

LicensedandInsured.com may terminate your privilege to use or access the Sites and Services immediately and

without notice for any reason whatsoever. Upon such termination, you must immediately cease

accessing or using the Sites and Services and agree not access or make use of, or attempt to use,

the Sites and Services. Furthermore, you acknowledge that LicensedandInsured.com reserves the right to take

action — technical, legal or otherwise — to block, nullify or deny your ability to access the Sites and

Services. You understand that LicensedandInsured.com may exercise this right in its sole discretion, and this right

shall be in addition to and not in substitution for any other rights and remedies available to licensedandinsured.com

All provisions of these Terms of Use which by their nature should survive termination shall survive

the termination of your access to the Sites and Services, including, without limitation, provision

regarding ownership, warranty disclaimers, indemnity, and limitations of liability.

NOTICE FOR CALIFORNIA USERS

Under California Civil Code Section 1789.3, California web users are entitled to the following specific

consumer rights notice: The Services are provided by LicensedandInsured.com., 1030 E. Washington St.,

Indianapolis, Indiana 46202. If You have any questions, concerns, or complaints regarding the

Services, please contact LicensedandInsured.com. by either sending: (i) an email to

contactus@LicensedandInsured.com; Attn: Member Services.

California residents may reach the Complaint Assistance Unit of the Division of Consumer Services

of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market

Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (916) 445-1254 or (800) 952-5210

or Hearing Impaired at TDD (800) 326-2297 or TDD (916) 322-1700.

TRADEMARKS AND COPYRIGHTS

LicensedandInsured.com, and other Sites and Services graphics, logos, designs, page headers, button icons,

scripts, and service names are the trademarks or trade dress of LicensedandInsured.com in the U.S. and/or other

countries. These trademarks and trade dress may not be used, including as part of trademarks

and/or as part of domain names, keyword advertisements, or email addresses, or in connection with

any product or service in any manner that is likely to cause confusion.

You should assume all Content and material made available on the Sites and Services is protect by

copyright law. Aside from user-submitted Content, all other materials and other information on the

Sites and Services, including, but not limited to, all text, graphics, logos, icons, images, audio and

video clips, downloads, data compilations and software are the exclusive property of LicensedandInsured.com

and/or its licensors and are protected by all United States and international copyright laws.

Notices

You agree that LicensedandInsured.com may communicate any notices to You under these Terms of Use, through

electronic mail, regular mail or posting the notices on the Site. All notices to LicensedandInsured.com will be

provided by either sending: (i) an email to contactus@LicensedandInsured.com;

If You are a copyright or trademark owner (or authorized to act on behalf of the copyright or

trademark owner) and believe that Your work’s copyright or trademark has been infringed, please

report Your notice of infringement to us by providing our Designated Agent with a written

notification of claimed infringement that includes substantially the following:

1. a physical or electronic signature of a person authorized to act on behalf of the owner of an

exclusive right that is allegedly infringed;

2. identification of the copyrighted work or trademark claimed to have been infringed, or, if

multiple copyrighted works or trademarks at a single online site are covered by a single

notification, a representative list of such works at that site;

3. identification of the material that is claimed to be infringing or to be the subject of infringing

activity and that is to be removed or access to which is to be disabled, and information

reasonably sufficient to permit us to locate the material;

4. information reasonably sufficient to permit us to contact You, such as an address, telephone

number, and, if available, an electronic mail address at which You may be contacted;

5. a statement that You have a good faith belief that use of the material in the manner

complained of is not authorized by the copyright or trademark owner, its agent, or the law;

and

6. a statement that the information in the notification is accurate, and under penalty of perjury,

that You are authorized to act on behalf of the owner of an exclusive right that is allegedly

infringed.

LicensedandInsured.com will investigate notices of copyright and trademark infringement and take appropriate

actions under the DMCA. Inquiries that do not follow this procedure may not receive a

response.

DELAYS AND ACCESSIBILITY

The Sites and Services may be subject to limitations, delays, failure, and other problems inherent in

the use of the Internet and electronic communications. LicensedandInsured.com is not responsible for any delays,

failures or other damage resulting from such problems.

USER FEEDBACK

LicensedandInsured.com appreciates hearing from you, as well as our other users, and welcomes your comments

regarding our Sites and Services. Please be advised, however, that our policy does not permit us to

accept or consider creative ideas, suggestions, or materials other than those which we have

specifically requested. Although we do value your feedback on our Sites and Services, please be

specific in your comments regarding our services and do not submit creative ideas, suggestions or

materials. If, despite our request, you send us creative suggestions, ideas, drawings, concepts or

other information (collectively, the “Submissions”), such Submissions will be the property of Licencedandinsured.com. In addition, none of the Submissions will be subject to any obligations of confidentiality and

LicensedandInsured.com will not be liable for any future use or disclosure of such Submissions.

ENTIRE AGREEMENT

These Terms of Use and other agreements, rules, and policies incorporated by reference to these

Terms including, without limitation, the Privacy Policy, constitutes the entire agreement between you

and LicensedandInsured.com. It supersedes any prior or contemporaneous negotiations, discussions or

agreements, whether written or oral, between you and LicensedandInsured.com regarding the subject matter

contained in these Terms of Use. Additional terms and conditions may exist between you and third

parties, including but not limited to, Service Providers and others. You represent and warrant that

those third party agreements do not interfere with your obligations and duties to LicensedandInsured.com under

these Terms of Use.

GOVERNING LAW

These Terms of Use and the relationship between You and LicensedandInsured.com will be governed by the laws

of the State of Indiana, notwithstanding the choice of law provisions of the venue where any action

is brought, where the violation occurred, where You may be located or any other jurisdiction. You

agree and consent to the exclusive jurisdiction of the state or federal courts located in Marion

County, Indiana and waive any defense of lack of personal jurisdiction or improper venue or forum

non conveniens to a claim brought in such court, except that LicensedandInsured.com may elect, in its sole

discretion, to litigate the action in the county or state where any breach by You occurred or where

You can be found. You agree that regardless of any statute or law to the contrary, any claim or cause

of action arising out or related to Your use of the Site or Service or these Terms of Use shall be filed

within one (1) year after such claim or cause of action arose or will forever be barred.’’

MISCELLANEOUS

If you breach any term of these Terms of Use or other agreement with LicensedandInsured.com, LicensedandInsured.com may

pursue any legal or equitable remedy available, including but not limited to, direct, consequential,

and punitive damages and injunctive relief. LicensedandInsured.com’s remedies are cumulative and not

exclusive. Failure of LicensedandInsured.com to exercise any remedy or enforce any portion of the Terms of Use at

any time shall not operate as a waiver of any remedy or of the right to enforce any portion of the

Agreement at any time thereafter. If any provision of the Terms of Use is found to be unenforceable

or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the

Terms shall otherwise remain in full force and effect and enforceable. These Terms of Use are not

assignable, transferable or sublicensable by you except with LicensedandInsured.com’s prior written consent. We

may transfer, assign or delegate the Terms and its rights and obligations without consent. Users of

this Sites and Services are responsible for compliance with all applicable regulations and laws. No

joint venture, partnership, employment or agency relationship exists between you and LicensedandInsured.com

as a result of these Terms of Use or use of the Sites and Services. You acknowledge and agree that

each of the Released Parties shall be an intended third party beneficiary of these Terms of Use.

Contacting Us

If you have any comments or questions regarding these Terms, or wish to report any violation of

these Terms of Service, please contact us at contactus@LicensedandInsured.com. We will address any issue to

the best of our abilities.

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