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., P.O. Box 480503 Delray Beach, FL 33448. 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.