Terms and Conditions

Community Financial Insurance Center, LLC End-User Agreement

General
This End-User Agreement (“EUA”) is a legal agreement between you and Community Financial Insurance Center, LLC, for the contents and information appearing on this Web site and all Web sites operated by Community Financial Insurance Center, LLC that you access or use. Your use of this Web site constitutes acceptance of the terms and conditions contained within this EUA.

This EUA governs your use of this Web site and all Web sites operated by Community Financial Insurance Center, LLC (the "Web site"). Additional terms and conditions of use applicable to specific areas of the Web site may also be posted in such areas and, together with this EUA, govern your use of those areas. This EUA, together with any such additional terms and conditions, are referred to as this "Agreement."

Community Financial Insurance Center, LLC reserves the right, in its sole discretion, to change or modify all or any part of this Agreement at any time, effective immediately upon publication of revised terms to the Web site and you subsequent access or use of the Web site. Your continued use of the Web site constitutes your binding acceptance of these terms and conditions, including any changes or modifications made by Community Financial Insurance Center, LLC as permitted above. If at any time the terms and conditions of this Agreement are no longer acceptable to you, you agree to immediately cease all use of the Web site.

Use of Content
Nothing contained in this Agreement shall confer upon a user any right, title, or interest in, or license to any software, written materials or intellectual property owned by Community Financial Insurance Center, LLC or included on the Web site.

You acknowledge that the Web site contains information, software, photographs, audio and video clips, graphics, links and other material (collectively, the “Content”) that are protected by copyright, trademark or other proprietary rights of Community Financial Insurance Center, LLC or third parties. You agree to comply with any guidelines or restrictions contained in any Content available on or accessed through the Web site.

While the Web site is designed and intended to provide accurate and authoritative information regarding the subject matters covered, the information is provided to you based on your agreement and understanding that Community Financial Insurance Center, LLC is not engaged in providing legal, accounting, or other professional services to you. Assistance of legal counsel or other appropriate experts should be sought when applying the law, rules, or regulations to a particular set of facts or circumstances.

You may not modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Content, in whole or in part, except as expressly permitted in this Agreement or as expressly authorized in a specific area of the Web site. Content consisting of downloadable software may not be reverse engineered unless specifically authorized by the owner of the software. Subject to the restrictions set forth in this Agreement, you may post on the Web site any Content owned by you (such as your original statements), Content for which you have received express permission from the owner to post, and Content in the public domain. You assume all risk and responsibility for determining whether any Content is in the public domain or is permitted to be posted by the owner of the Content.

Rules of Conduct
You agree not to post on the Web site any Content which (a) is libelous, defamatory, obscene, pornographic, abusive, harassing or threatening, (b) contains viruses or other contaminating or destructive features, (c) violates the rights of others, such as Content which infringes on any copyright, trademark, patent, trade secret or violates any right of privacy or publicity, or (d) otherwise violates any applicable law (including, without limitation, the laws and regulations governing export control, unfair competition, antidiscrimination, or false advertising). You agree not to post on the Web site any links to any external Internet sites that are obscene, pornographic, or otherwise inappropriate in the sole discretion of Community Financial Insurance Center, LLC. You agree not to use the Web site to solicit users to join competitive services.

You agree to ensure the confidentiality and appropriately authorized use of all passwords assigned to you for use in accessing the Web site. You agree to be responsible for any use or misuse of your username and/or password and to promptly notify Community Financial Insurance Center, LLC of any breach of password security or the use or possession of your username and/or password by unauthorized individuals.

Managing Content
Community Financial Insurance Center, LLC does not and cannot review the Content posted by users on the Web site and is not responsible for such Content and you agree that Community Financial Insurance Center, LLC will have no liability to you with respect to any Content posted on the Web site. However, Community Financial Insurance Center, LLC reserves the right to delete, move or edit any Content that it may determine, in its sole discretion, violates this Agreement or is otherwise inappropriate for posting. You agree to remain solely responsible for all Content posted by you. Community Financial Insurance Center, LLC shall have the right, but not the obligation, to correct any errors or omissions in any Content, as it may determine in its sole discretion, and may edit the Content posted to the Web site in its sole discretion.

Permitted Uses of Health Information
The Web site and/or its related tools or reports may contain or use health information that is protected by federal medical privacy laws. This information may also be protected by state law. Community Financial Insurance Center, LLC’s policy governing permitted uses of information provided through the Web site and/or related tools or reports is intended to comply, and to permit you to comply, with the restrictions imposed by federal privacy law. Community Financial Insurance Center, LLC intends that this information will not be used by a plan sponsor in making employment-related actions or decisions and that you will not attempt to combine this information with any other information from any other source in an effort to identify a specific individual. You agree that Community Financial Insurance Center, LLC is not responsible for ensuring your compliance with any such obligations or restrictions imposed on you by such federal privacy law.

No Endorsement
Community Financial Insurance Center, LLC does not represent or endorse the accuracy or reliability of any Content posted in the Web site and you acknowledge that any reliance upon such Content shall be at your sole risk. You agree to carefully evaluate and review any Content prior to using or relying upon it.
The Web site may contain links to sites on the Internet that are operated by third parties (the “External Sites”). You acknowledge that Community Financial Insurance Center, LLC is not responsible for the availability of, or the content located on or through, any External Site. You should contact the site administrator or Webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.

Indemnity
You agree to indemnify, defend and hold Community Financial Insurance Center, LLC and its respective officers, directors, owners, agents, information providers and licensors (collectively, the “Community Financial Insurance Center, LLC Parties”) harmless from and against any and all demands, claims, liability, losses, costs and expenses (including attorneys’ fees) incurred by any Community Financial Insurance Center, LLC Party in connection with any use or alleged use of the Web site under your password by any person, whether or not authorized by you, including the posting of Content to the Web site. Community Financial Insurance Center, LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with Community Financial Insurance Center, LLC’s defense of such claim.

DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

1. NEITHER COMMUNITY FINANCIAL INSURANCE CENTER, LLC NOR ANY PROVIDER OF THIRD PARTY CONTENT OR THEIR RESPECTIVE AGENTS WARRANTS THAT THE SERVICE WILL BE UNINTERRUPTED, ACCURATE, RELIABLE, OR ERROR FREE; NOR DOES COMMUNITY FINANCIAL INSURANCE CENTER, LLC, ANY THIRD PARTY CONTENT PROVIDER, OR THEIR RESPECTIVE AGENTS MAKE ANY WARRANTY AS TO THE RESULTS TO BE OBTAINED FROM USE OF THE WEB SITE OR THE CONTENT. THE WEB SITE AND THE CONTENT ARE DISTRIBUTED ON AN "AS IS, AS AVAILABLE" BASIS. NEITHER COMMUNITY FINANCIAL INSURANCE CENTER, LLC NOR ANY OF ITS THIRD PARTY CONTENT PROVIDERS OR THEIR RESPECTIVE AGENTS MAKE ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT, WITH RESPECT TO THE WEB SITE, ANY CONTENT OR ANY PRODUCTS OR SERVICES PROVIDED THROUGH THE WEB SITE. NEITHER COMMUNITY FINANCIAL INSURANCE CENTER, LLC NOR ANY THIRD PARTY CONTENT PROVIDER WARRANTS THAT ANY FILES AVAILABLE FOR DOWNLOADING THROUGH THE WEB SITE WILL BE FREE OF VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES. YOU EXPRESSLY AGREE THAT THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE WEB SITE AND THE ACCURACY OR COMPLETENESS OF THE CONTENT IS ASSUMED SOLELY BY YOU.

2. NEITHER COMMUNITY FINANCIAL INSURANCE CENTER, LLC, ANY THIRD PARTY CONTENT PROVIDER NOR THEIR RESPECTIVE AGENTS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE WEB SITE, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

3. SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE LIABILITY OF COMMUNITY FINANCIAL INSURANCE CENTER, LLC, THIRD PARTY CONTENT PROVIDERS AND THEIR RESPECTIVE AGENTS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

4. CERTAIN LINKS AVAILABLE ON THE WEB SITE WILL LET YOU LEAVE COMMUNITY FINANCIAL INSURANCE CENTER, LLC'S SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF COMMUNITY FINANCIAL INSURANCE CENTER, LLC AND COMMUNITY FINANCIAL INSURANCE CENTER, LLC IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. COMMUNITY FINANCIAL INSURANCE CENTER, LLC IS PROVIDING THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY ENDORSEMENT BY COMMUNITY FINANCIAL INSURANCE CENTER, LLC OF THE SITE.

Miscellaneous. This Agreement shall be construed in accordance with the laws of the State of Louisiana, and the parties irrevocably consent to exclusively bring any action to enforce this Agreement in the federal or state courts governing Ouachita Parish, Louisiana. This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof, and supersedes all previous written or oral agreements between the parties with respect to such subject matter. If any inconsistency exists between the terms of this agreement and any additional terms and conditions posted on the Web site, such terms shall be interpreted as to eliminate any inconsistency, if possible, and otherwise, the additional terms and conditions shall control.