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IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT.By accessing this Application and any pages hereof, you are indicating that you have read, acknowledge and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, do not access this Application. North American Risk Services ("NARS") reserves the right to change these Terms of Use, which you are responsible for regularly reviewing, and your continued use of this Application constitutes agreement to all such changes.

General Information
Unauthorized use of NARS' Application and systems, including, but not limited to, unauthorized entry into NARS' systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this Application in any manner that could damage, disable, overburden, or impair any NARS application or service or interfere with any other party's use and enjoyment of any NARS application or service. You may not attempt to gain unauthorized access to any NARS application or service, computer systems or networks connected to any NARS application or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this Application that are contrary to applicable laws or regulations.
NARS reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Application and to suspend and/or deny access to this Application for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Application may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and NARS does not undertake any obligation or responsibility to update or amend any such information. NARS may discontinue or change any product or service described in or offered on this Application at any time.

Use Agreement
In order to use the application and its’ Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required application forms. If any information you provide is untrue, inaccurate or not current, or if NARS ("www.North American Risk ServicesAdmin.com," "our," "us," or "we") has reasonable grounds to suspect that such information is untrue, inaccurate or not current, NARS, at its sole discretion, has the right to refuse all current or future access to the Content and use of the Services or suspend any portion thereof. Further, you agree that NARS will not be liable to you or any third party if NARS terminates your access to the Services or Content for any reason.
In the course of your use of the Application, you may be asked to provide information (referred hereinafter as "User Submissions"). User Submissions include, for example, information you submit to us via your application to receive insurance quotations or data. User Submissions also include information you submit to us via other on-line forms on the Application, by e-mail, or in any other manner via the Application. Our information collection and use policies with respect to the privacy of personal information are set forth in the Application's Privacy Policy. Please read our Privacy Policy before submitting any User Submissions. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Submissions. We cannot be responsible for maintaining any User Submissions that you provide to us, and we may delete or destroy any such User Submissions at any time. We reserve the right to refuse to post or to remove any User Submissions, in whole or in part, that, in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.
You warrant and agree that, while using the Application, you shall not upload post or transmit information to that is false or misleading, constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability.
You also warrant and agree that you shall not: (a) impersonate any person or entity or misrepresent your affiliation with any other person or entity; (b) upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Application for commercial purposes; (c) engage in spamming, flooding, harvesting of e-mail addresses or other personal information, spidering, "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information, or send chain letters or pyramid schemes via the Application; or (d) attempt to gain unauthorized access to other computer systems through the Application. You agree that you will not use the Application in any manner that could damage, disable, overburden, or impair the Application or interfere with any other party's use and enjoyment of the Application. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Application.
Any passwords used for this application are for individual use only. You will be responsible for the security of your password (if any). NARS will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that NARS considers insecure, NARS will be entitled to require the password to be changed and/or terminate your account. You are prohibited from using any services or facilities provided in connection with this application to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, NARS reserves the right to release your details to system administrators at other applications in order to assist them in resolving security incidents. NARS reserves the right to investigate suspected violations of these Terms and Conditions. NARS reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing NARS to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions.
You agree to defend, indemnify and hold the Application Proprietor and its directors, officers, employees, agents and affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys' fees, arising in any way from your misuse of the Application, your placement or transmission of any message, content, information, software or other materials through the Application, or your breach or violation of the law or of these Terms and Conditions.

Disclaimer of Warranty and Limitation of Liability
THE INFORMATION, PRODUCTS AND SERVICES ON THIS APPLICATION ARE PROVIDED ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS. NARS DOES NOT WARRANT THE INFORMATION OR SERVICES PROVIDED HEREIN OR YOUR USE OF THIS APPLICATION GENERALLY, EITHER EXPRESSLY OR IMPLIEDLY, FOR ANY PARTICULAR PURPOSE AND EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NARS WILL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT COULD RESULT FROM INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION OR SERVICES MADE AVAILABLE TO YOU VIA THIS APPLICATION. ALTHOUGH THE INFORMATION PROVIDED TO YOU ON THIS APPLICATION IS OBTAINED OR COMPILED FROM SOURCES WE BELIEVE TO BE RELIABLE, NARS CANNOT AND DOES NOT GUARANTEE THE ACCURACY, VALIDITY, TIMELINESS OR COMPLETENESS OF ANY INFORMATION OR DATA MADE AVAILABLE TO YOU FOR ANY PARTICULAR PURPOSE. NEITHER NARS, NOR ANY OF ITS AFFILIATES, DIRECTORS, OFFICERS OR EMPLOYEES, NOR ANY THIRD PARTY VENDOR, WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS APPLICATION, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS APPLICATION, THE DATA CONTAINED HEREIN OR THE PRODUCTS OR SERVICES OFFERED ON THIS APPLICATION AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE APPLICATION OR THESE MATERIALS, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF NARS OR OF ANY VENDOR PROVIDING SOFTWARE OR SERVICES. IN NO EVENT WILL NARS OR ANY SUCH PARTIES BE LIABLE TO YOU, WHETHER IN CONTRACT OR TORT, FOR ANY DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL OR INCIDENTAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND EVEN IF NARS OR ANY OTHER SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY THEREOF. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (E.G., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE. NARS CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE APPLICATION.

Hyperlinks to Third Parties
This Application contains hyperlinks to Third Party Applications. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by NARS of any information contained in any Third Party Application. In no event shall NARS be responsible for the information contained on that application or your use of or inability to use such application. You should also be aware that the terms and conditions of such application and the application's privacy policy may be different from those applicable to your use of this Application.

Third Party Content
NARS may be a host to or a distributor of Third Party Content on the Application. NARS has no editorial control over such Third Party Content. Therefore, any opinions, statements, services, or other information expressed or made available by third parties on the Application are those of the Third Party Content Providers. NARS does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party.

Proprietary Rights
All right, title and interest in this Application and any content contained herein is the exclusive property of NARS, except as otherwise stated. Unless otherwise specified, this Application is for your personal and non- commercial use only and you may print, copy and download any information or portion of this Application for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Application, except for the purposes expressly provided herein, without NARS' prior written approval. If you copy or download any information or software from this Application, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.
NARS, the NARS logo and other NARS trademarks and service marks referenced herein are trademarks and service marks of NARS. The names of other companies and third-party products or services mentioned herein may be the trademarks or service marks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to use as metatags on other pages or applications on the World Wide Web without the written permission of NARS or such third party, which may own the marks.
Pursuant to Section 512(c)(2) of the Copyright Act, NARS designates the following agent to receive notifications of claimed infringement: National Registered Agents, Inc
160 Greentree Drive, Suite 101
Dover, DE  19904

Changes
The Content in this application, and these Terms and Conditions, is subject to change or updating by NARS at any time without advance notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS PERIODICALLY TO BE AWARE OF ANY CHANGES THAT MAY OCCUR. Your continued use of this application constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Applicable Law
These Terms of Use shall be governed by and construed in accordance with the laws of the state of Florida, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use shall be in an appropriate state or federal court located in the County of Seminole, State of Florida and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this Application must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms of Use, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms of Use, and the remainder of these Terms of Use shall continue in full force and effect. These Terms of Use constitutes the entire agreement between NARS and you with respect to this application and it supersedes all prior or contemporaneous communications, agreements and understandings between NARS and you with respect to the subject matter hereof. A printed version of these Terms of Use shall be admissible in judicial or administrative proceedings.

 

II. Privacy Policy

North American Risk Services (NARS) recognizes that privacy is an important and protected right. This Privacy Policy applies to all products, services and websites offered by NARS or its subsidiaries or affiliated companies. We will not collect or use sensitive information for purposes other than those described in this Privacy Policy and/or in the supplementary service privacy notices.
NARS collects data from Insurance Companies, Agents, Customers and website visitors and processes such information in accordance with this Privacy Policy and applicable laws.

NARS shares personal information with other companies or individuals in  the following limited circumstances:

NARS regularly reviews compliance with this Privacy Policy and takes reasonable precautions to protect against unauthorized access,alteration, disclosure or destruction of data. If we receive a formal written complaint, it is NARS’ policy to contact the complaintant regarding his or her concerns and investigatate the issues. NARS will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between NARS and an individual.
If you have any additional questions or concerns about this Privacy Policy, please feel free to contact us any time through this web site http://www.narisk.com/.
This Privacy Policy may change from time to time. Each version of this Privacy Policy will be identified by the effective date, and we retain prior versions of this Privacy Policy in an archive.

Effective: 8/16/2008