Terms Of Use

INSURANCE HUB CANADA LTD.  WEB SITE

TERMS OF USE AGREEMENT

Insurance Hub Canada Ltd.  Software Inc. (“Insurance Hub Canada Ltd. ” or “we”) operates a website on the Internet at term4sale.com (the “Insurance Hub Canada Ltd.  Website”) at which Insurance Hub Canada Ltd.  customers may obtain life insurance quotes.  This Terms of Use Agreement (“Agreement”) is between Insurance Hub Canada Ltd.  and its customers.  The terms “You” or “Your” mean collectively the person or persons utilizing the Insurance Hub Canada Ltd.  Website and the company with which that person is employed or affiliated.

1.            General. 

Your use of the Insurance Hub Canada Ltd.  Website is subject to this Agreement. By utilizing the Insurance Hub Canada Ltd.  Website you agree that this Agreement will govern the terms and conditions of Your use of the functionality accessible to You through the Insurance Hub Canada Ltd.  Website, and any content or applications offered to You from time to time by Insurance Hub Canada Ltd.  in connection with the Insurance Hub Canada Ltd.  Website.

BY ACCESSING OR USING THE INSURANCE HUB CANADA LTD.  WEBSITE YOU AGREE TO BE BOUND BY THIS AGREEMENT AND ANY OTHER ADDITIONAL TERMS INCORPORATED BY REFERENCE HEREIN.  YOU ARE ONLY AUTHORIZED TO USE THE INSURANCE HUB CANADA LTD.  WEBSITE (REGARDLESS OF WHETHER YOUR ACCESS OR USE IS INTENDED) IF YOU AGREE TO ABIDE BY ALL APPLICABLE LAWS AND BY THE TERMS OF THIS AGREEMENT.  PLEASE READ THIS AGREEMENT CAREFULLY.  IF YOU DO NOT AGREE WITH IT, YOU SHOULD LEAVE THE INSURANCE HUB CANADA LTD.  WEBSITE AND IMMEDIATELY DISCONTINUE YOUR USE OF THE INSURANCE HUB CANADA LTD.  WEBSITE.

2.            Modifications to this Agreement.

Insurance Hub Canada Ltd.  may modify this Agreement from time to time, and any such modifications shall be effective upon posting by Insurance Hub Canada Ltd.  of the modified Agreement on the Insurance Hub Canada Ltd.  Website.  You agree to be bound by any changes to this Agreement when You use the Insurance Hub Canada Ltd.  Website after any such modification is posted on the Insurance Hub Canada Ltd.  Website.  It is therefore important that You review this Agreement each time You access the Insurance Hub Canada Ltd.  Website to ensure that You are aware of any changes or modifications to this Agreement.

3.         Use of Insurance Hub Canada Ltd.  Website.

When You use the Insurance Hub Canada Ltd.  Website You represent and warrant to Insurance Hub Canada Ltd.  that:

A.        You will provide true, accurate, and complete information about Yourself and the company with which your affiliated or employed as prompted by Insurance Hub Canada Ltd.  including, without limitation, Your name, the company with which you are employed or affiliated, Your business telephone number, Your business address, and a valid email address; 

B.         You will update Your business or contact information in order to maintain its truth, accuracy, and completeness; 

C.        You are at least eighteen (18) years of age and have the legal capacity and authority to be bound by this Agreement;

D.        You are acting with full authority of the company with which You are affiliated to access and use the functionality accessible at the Insurance Hub Canada Ltd.  Website, and bind the company to the terms under which Insurance Hub Canada Ltd.  will deliver products or services to such company;

E.         You will, as provided herein, defend, indemnify and hold harmless Insurance Hub Canada Ltd. , and its subsidiaries, affiliates, officers, employees, agents, and other partners against any and all damages of any type, costs, fees, expenses, judgments, or liabilities of any kind, including reasonable attorneys’ fees, costs, and litigation or arbitration expenses at any initial trial or hearing, or on appeal, or to enforce any judgment or arbitration award, arising from claims asserted by a third party alleging facts that if proven to be true would constitute Your breach of any of Your duties, obligations, representations or warranties to under this Agreement or to such third party; and

F.         You will comply with any and all federal or state laws, rules, or regulations, that govern the operation of the Insurance Hub Canada Ltd.  Website, including, but not limited to, any state or federal laws regulating the use of personally identifiable information about consumers.

4.             Obligation for Using Your Password.

ALL INFORMATION TRANSMITTED BY, SUBMITTED BY, OR RECEIVED FROM ANYONE PRESENTING YOUR PASSWORD ON THE INSURANCE HUB CANADA LTD.  WEBSITE WILL BE DEEMED BINDING ON YOU. You agree that You are solely liable for all actions taken via Your password, whether or not made with Your knowledge or authority. You agree to guard Your password carefully, with the full awareness that a failure to keep it secure will enable others to engage in transactions through the Insurance Hub Canada Ltd.  Website for which You will be legally responsible, and liable to Insurance Hub Canada Ltd.  for any resulting damages.  If You suspect that someone may have obtained access to Your password who is not intended to have authority to act on Your behalf, please contact Insurance Hub Canada Ltd.  immediately to enable Insurance Hub Canada Ltd.  to deny access to the Insurance Hub Canada Ltd.  Website to anyone else presenting Your password.

5.         Use of the Insurance Hub Canada Ltd.  Website.

A.            Lawful Purposes.  You represent and warrant that You will not use the Insurance Hub Canada Ltd.  Website for any purpose that is unlawful, or prohibited by this Agreement, or any law or regulation applicable to You or Your business.  

B.            License Grant and RestrictionsInsurance Hub Canada Ltd.  hereby grants You a limited, non-exclusive, non-transferable, and revocable right to access and use the Insurance Hub Canada Ltd.  Website to utilize the features, content and tools that Insurance Hub Canada Ltd.  makes available to You through the Insurance Hub Canada Ltd.  Website. You shall use the Insurance Hub Canada Ltd.  Website for the sole and limited purposes set forth above, and for no other purpose whatsoever without the express written consent of Insurance Hub Canada Ltd. .  You shall not provide access to the Insurance Hub Canada Ltd.  Website to other persons or entities, including, but not limited to, any other persons or entities that are also customers of Insurance Hub Canada Ltd. , or compete with Insurance Hub Canada Ltd. .  You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, broadcast, create derivative works from, transfer, or sell any information, data, content, or software accessible or displayed to You by Insurance Hub Canada Ltd.  on the Insurance Hub Canada Ltd.  Website, including, without limitation, any data, text, artwork, graphics, logos, button icons, images, audio clips, digital downloads, product and service descriptions, and data compilations. The license granted herein does not include any resale or commercial use of Insurance Hub Canada Ltd.  Website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Insurance Hub Canada Ltd.  Website or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools, except to the extent the Insurance Hub Canada Ltd.  Website is indexed by general purpose consumer accessible search engines, including, but not limited to, Google, Yahoo, AOL, or Bing.  Insurance Hub Canada Ltd.  reserves the right to suspend or deny, in its sole discretion, Your access to all or any portion of the Insurance Hub Canada Ltd.  Website as described in Section 14 below.  Any rights in the Insurance Hub Canada Ltd.  Website not expressly granted to You herein are reserved to Insurance Hub Canada Ltd. . 

For so long as this Agreement is in effect, You grant to Insurance Hub Canada Ltd.  a non-exclusive, limited, and royalty free license to use Your name and contact information, and to display any other materials, information or content supplied by You to Insurance Hub Canada Ltd. .

C.            Use of Information.  Insurance Hub Canada Ltd.  may display on the Insurance Hub Canada Ltd.  Website, tips, facts, views, and opinions that Insurance Hub Canada Ltd.  deems worthy of publication.  ALL SUCH INFORMATION IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED OR RELIED UPON BY YOU AS PROFESSIONAL ADVICE. 

Neither the Insurance Hub Canada Ltd.  Website or any data, information, text, images, or other content accessible on or through the Insurance Hub Canada Ltd.  Website may be duplicated, modified, reengineered, decompiled, reverse engineered, decrypted, reassembled, supplemented, translated, adapted, or enhanced, except by Insurance Hub Canada Ltd.  or as expressly authorized by Insurance Hub Canada Ltd.  in writing.  You shall not remove any notice or other indicia of an intellectual property right from the Insurance Hub Canada Ltd.  Website.  You shall not use, copy, distribute, display, demonstrate, or sub-license the Insurance Hub Canada Ltd.  Website, any content on or accessible through the Insurance Hub Canada Ltd.  Website, the software related thereto, or any component thereof, except as permitted by this Agreement, or as expressly authorized by Insurance Hub Canada Ltd. .  The rights granted to You by Insurance Hub Canada Ltd.  to use the Insurance Hub Canada Ltd.  Website are strictly limited to the rights specified herein and You shall not have any rights to re-license or sub-license access to, or use of, the Insurance Hub Canada Ltd.  Website, or any components thereof, to any other person or entity.  You acknowledge and agree that You are solely responsible for Your use of the Insurance Hub Canada Ltd.  Website and for Your compliance with any laws and regulations relating to your business operations.  

You and Insurance Hub Canada Ltd.  acknowledge that the rights granted to You by Insurance Hub Canada Ltd.  to access and use the Insurance Hub Canada Ltd.  Website are a valuable contribution to the overall operation of Your business.  You agree to pay promptly, and in accordance with Insurance Hub Canada Ltd.  credit terms, for any Insurance Hub Canada Ltd.  products or services delivered to You by reason of orders placed by You. 

D.            Insurance Hub Canada Ltd.  Website Security.

You are prohibited from violating or attempting to violate the security of the Insurance Hub Canada Ltd.  Website, including, without limitation:

1.             Accessing data not intended for Your use, or logging onto a server or a Insurance Hub Canada Ltd.  account which You are not authorized to access.

2.             Attempting to probe, scan or test the vulnerability of the Insurance Hub Canada Ltd.  Website or any Insurance Hub Canada Ltd.  system or network, or to breach security or authentication measures utilized by Insurance Hub Canada Ltd.  on the Insurance Hub Canada Ltd.  Website without proper authorization.

3.             Attempting to interfere with Insurance Hub Canada Ltd. ’s service to any Insurance Hub Canada Ltd.  account holder, or user of the Insurance Hub Canada Ltd.  Website,  host or Insurance Hub Canada Ltd.  network, including, without limitation, via means of submitting a virus to the Insurance Hub Canada Ltd.  Website, overloading, “flooding,” “spamming,” “mailbombing” or “crashing.”

4.             Sending unsolicited email, including promotions and/or advertising of products or services not otherwise expressly authorized or permitted by Insurance Hub Canada Ltd. .

5.             Forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting.

Violations of Insurance Hub Canada Ltd. ’s system or network security may result in civil or criminal liability.  Insurance Hub Canada Ltd.  will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users, including You, who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Insurance Hub Canada Ltd.  Website or any activity being conducted on the Insurance Hub Canada Ltd.  Website. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Insurance Hub Canada Ltd.  Website other than the search engine and search agents available from Insurance Hub Canada Ltd.  on the Insurance Hub Canada Ltd.  Website and other than generally available third party web browsers (e.g., Firefox, Chrome or Microsoft Explorer).

E.            Liquidated Damages.

In the event You breach or violate any of Insurance Hub Canada Ltd. ’s restrictions on the use of the Insurance Hub Canada Ltd.  Website, use the Insurance Hub Canada Ltd.  Website in an manner not permitted by the License granted herein, acquire or download any content, data, text or images from the Insurance Hub Canada Ltd.  Website without authorization under this Agreement or without Insurance Hub Canada Ltd. ’s express written permission, or You remove any intellectual property notices from the Insurance Hub Canada Ltd.  Website or any content accessible or displayed on the Insurance Hub Canada Ltd.  Website without Insurance Hub Canada Ltd. ’s express written approval, You agrees that Insurance Hub Canada Ltd. ’s damages in the event of such unauthorized conduct by You will be difficult to quantify.  Therefore, in the event of such a breach, and in addition to immediately commencing commercially reasonable efforts to cure any breach, You shall pay Insurance Hub Canada Ltd.  as liquidated damages, and not as penalty, the amount of $10,000.00 per occurrence, which liquidated damages shall be in addition to, and not in lieu of, any equitable relief to which Insurance Hub Canada Ltd.  may be entitled by reason of the breach of this Agreement.

7.            Intellectual Property Protection.

The information displayed on the Insurance Hub Canada Ltd.  Website or any other Insurance Hub Canada Ltd.  product or service including, without limitation, text, artwork, graphics, logos, button icons, images, audio clips, digital downloads, prices, product and service descriptions, and data compilations (collectively, “Content”), is the property of Insurance Hub Canada Ltd. . Such Content is protected by U.S. and international trademark, copyright, and other intellectual property laws.  You shall not copy, distribute, alter, display, perform, publish, or create derivative works from such Content, other than as permitted in this Agreement.  Systematic retrieval of data or other Content from the Insurance Hub Canada Ltd.  Website or any other Insurance Hub Canada Ltd.  service to prepare any collection, compilation, database, or directory is strictly prohibited. 

The acronym “Insurance Hub Canada Ltd. ”, the domain at which the Insurance Hub Canada Ltd.  Website is located, and any other Insurance Hub Canada Ltd.  graphics, logos, designs, page headers, button icons, scripts and service names are trademarks or trade dress of Insurance Hub Canada Ltd. . Insurance Hub Canada Ltd. ’s trademarks and trade dress may not be used, including as part of trademarks or as part of domain names, in connection with any other product or service in any manner that is likely to cause consumer confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Insurance Hub Canada Ltd. .  You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Insurance Hub Canada Ltd.  or any Insurance Hub Canada Ltd.  affiliates without Insurance Hub Canada Ltd. ’s express written consent. You may not use any meta tags or any other “hidden text” utilizing the Insurance Hub Canada Ltd. ’s name or trademarks without the express written consent of Insurance Hub Canada Ltd. .

EXCEPT AS EXPRESSLY PROVIDED HEREIN, NEITHER INSURANCE HUB CANADA LTD.  NOR ANY THIRD PARTY HAS CONFERRED UPON YOU BY IMPLICATION, ESTOPPEL, OR OTHERWISE, ANY LICENSE OR RIGHT UNDER ANY PATENT, TRADEMARK, COPYRIGHT, OR OTHER PROPRIETARY RIGHTS TO USE THE INSURANCE HUB CANADA LTD.  WEBSITE OR YOUR INSURANCE HUB CANADA LTD.  ACCOUNT.  NO OWNERSHIP RIGHTS ARE OR WILL BE ASSIGNED TO YOU BY REASON OF YOUR ACCEPTANCE OF THIS AGREEMENT.

9.             Disclaimer of Warranties.

Insurance Hub Canada Ltd.  uses reasonable efforts to provide accurate, complete, and current Content on the Insurance Hub Canada Ltd.  Website.  Nevertheless, Insurance Hub Canada Ltd.  does not guarantee or warrant that the Content therein is accurate, complete, timely, or free of technical or typographical errors.  It is Your responsibility to verify any Content displayed on the Insurance Hub Canada Ltd.  Website. . YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE CONTENT ON THE INSURANCE HUB CANADA LTD.  WEBSITE IS AT YOUR SOLE RISK.  THE CONTENT IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. INSURANCE HUB CANADA LTD.  EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.  INSURANCE HUB CANADA LTD.  MAKES NO WARRANTY THAT THE CONTENT WILL MEET YOUR REQUIREMENTS OR THAT ACCESS TO THE INSURANCE HUB CANADA LTD.  WEBSITE, AND THE CONTENT THEREON, WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, VIRUS-FREE OR ERROR FREE.  INSURANCE HUB CANADA LTD.  DOES NOT MAKE ANY WARRANTY CONCERNING THE INFORMATION AND RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE INSURANCE HUB CANADA LTD.  WEBSITE, OR CONCERNING THE ACCURACY OR RELIABILITY OF ANY CONTENT DISPLAYED THEREON.  INFORMATION OBTAINED BY YOU FROM THE INSURANCE HUB CANADA LTD.  WEBSITE SHALL NOT CREATE ANY WARRANTY NOT EXPRESSLY OR IMPLIEDLY MADE HEREIN TO THE EXENT PERMITED BY APPLICABLE LAW. 

10.             Limitation of Liability.

YOU AGREE THAT NEITHER INSURANCE HUB CANADA LTD.  NOR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE INSURANCE HUB CANADA LTD.  WEBSITE SHALL BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES OR ANY DAMAGES WHATSOEVER ARISING OUT OF YOUR ACCESS, USE OR INABILITY TO USE THE INSURANCE HUB CANADA LTD.  WEBSITE, OR ANY ERRORS OR OMISSIONS IN THE CONTENT THEREOF, ANY PERSON’S RELIANCE ON ANY INFORMATION OR CONTENT PROVIDED IN THE INSURANCE HUB CANADA LTD.  WEBSITE, WHETHER OR NOT THE INFORMATION IS CORRECT, CURRENT, OR COMPLETE, OR THE CONSEQUENCES OF ANY ACTION YOU OR ANY OTHER PERSON TAKE OR FAIL TO TAKE BASED ON CONTENT PROVIDED BY OR AS A RESULT OF THE USE OF THE INSURANCE HUB CANADA LTD.  WEBSITE.

YOU SPECIFICALLY AGREE THAT INSURANCE HUB CANADA LTD.  IS NOT LIABLE FOR ANY CONDUCT BY YOU WHILE USING THE INSURANCE HUB CANADA LTD.  WEBSITE.  INSURANCE HUB CANADA LTD.  IS ALSO NOT RESPONSIBLE FOR ANY PROBLEMS OR TECHNICAL MALFUNCTION OF ANY TELEPHONE NETWORK OR LINES, COMPUTER ONLINE SYSTEMS, SERVERS OR PROVIDERS, COMPUTER EQUIPMENT, SOFTWARE, OR FAILURE OF ANY EMAIL DUE TO TECHNICAL PROBLEMS OR TRAFFIC CONGESTION ON THE INTERNET OR ON THE INSURANCE HUB CANADA LTD.  WEBSITE, INCLUDING ANY INJURY OR DAMAGE TO ANY YOUR, OR ANY OTHER PERSON’S COMPUTER RELATED TO OR RESULTING FROM USE OF THE INSURANCE HUB CANADA LTD.  WEBSITE.

IN NO EVENT SHALL INSURANCE HUB CANADA LTD. , BE LIABLE FOR ANY DAMAGES, INCLUDING ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM YOUR USE OR THE INABILITY TO USE THE INSURANCE HUB CANADA LTD.  WEBSITE, ANY INFORMATION ACCESSIBLE ON THE INSURANCE HUB CANADA LTD.  WEBSITE, FROM ANY MESSAGES RECEIVED  THROUGH THE INSURANCE HUB CANADA LTD.  WEBSITE, OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF TRANSMISSIONS OR DATA, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA, OR OTHER INTANGIBLE PROPERTY, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF INSURANCE HUB CANADA LTD.  HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. 

You agree that regardless of any statute or law to the contrary, You will file any claim or cause of action arising out of or related to Your use of the Insurance Hub Canada Ltd.  Website, or to interpret or enforce this Agreement within one (1) year after such claim or cause of action arose or be forever barred.

11.             Termination of Insurance Hub Canada Ltd.  Website Access.

You understand and agree that Insurance Hub Canada Ltd. , in its sole discretion, may terminate Your right to use the Insurance Hub Canada Ltd.  Website, direct You to cease using the Insurance Hub Canada Ltd.  Website, and discontinue or restrict Your access to the Insurance Hub Canada Ltd.  Website, all without notice to You and for any reason.  You agree that Insurance Hub Canada Ltd.  shall not be liable to You or to any third party for any modification, suspension, or discontinuance of the Insurance Hub Canada Ltd.  Website or any parts thereof.

12.            Modifications to the Insurance Hub Canada Ltd.  Website.

You understand and agree that Insurance Hub Canada Ltd.  may discontinue or change the Insurance Hub Canada Ltd.  Website at any time, without notice to You.  Insurance Hub Canada Ltd.  makes no commitment to update the information and content on the Insurance Hub Canada Ltd.  Website. 

13.             Miscellaneous.

A.            AssignmentThis Agreement shall bind and inure to the benefit of Insurance Hub Canada Ltd. ’s successors, assigns and licensees. Insurance Hub Canada Ltd.  shall have the right to assign or otherwise transfer its rights or obligations under this Agreement whether by contract, merger, sale of all or substantially all of Insurance Hub Canada Ltd. ’s assets, or operation of law without Your consent, or notice to You.  You shall not have the right to assign, by contract, operation of law or otherwise, this Agreement or any of the rights, interests, or obligations hereunder, without Insurance Hub Canada Ltd. ’s express written permission, which Insurance Hub Canada Ltd.  may withhold in its absolute discretion. 

B.            Severability.  In the event that any provision of this Agreement is, becomes, or is declared by a court of competent jurisdiction to be illegal, unenforceable, or void, this Agreement shall continue in full force and effect without such provision.

C.            WaiverThe failure of Insurance Hub Canada Ltd.  at any time or times to require performance of any provision hereof shall in no manner affect the right of Insurance Hub Canada Ltd.  at a later time to enforce the same. 

D.            Applicable Law.  You acknowledge that the Content contained in the Insurance Hub Canada Ltd.  Website is controlled in and originates from the United States. Insurance Hub Canada Ltd.  does not make any representation that any of the Content is appropriate or available for use in other countries or locations. Insurance Hub Canada Ltd.  does not have any responsibility for any access to this Insurance Hub Canada Ltd.  Website from territories where the Content may be illegal or otherwise prohibited.  If You choose to access the Insurance Hub Canada Ltd.  Website from other locations, You do so at Your own risk and are responsible for compliance with applicable local laws. Any claim relating to the use of the Insurance Hub Canada Ltd.  Website, this Agreement, and any Content displayed on such sites, shall be governed by the internal substantive laws of the State of Kentucky, without regard to its conflicts of laws rules. You expressly consent to the jurisdiction of the state and federal courts located in Louisville, Kentucky for any such claim.  You further agree that in the event of any litigation or arbitration proceeding to interpret or enforce a Party’s rights under this Agreement, the court or arbitration panel shall have the right and duty, in addition to awarding any relief deemed appropriate in the circumstances, to award the prevailing Party its reasonable attorneys fees, costs, and litigation expenses, incurred in prosecuting or defending such action or proceeding, at trial, at any arbitration proceeding, on appeal, or in any proceeding to enforce any final judgment or arbitration award.

E.            Entire Agreement.  These Terms of Use, as amended, and the consents provided by You, constitute the entire agreement between You and Insurance Hub Canada Ltd. .

F.            Amendments.  Further to Section 2 of this Agreement, You agree that Insurance Hub Canada Ltd.  may amend or modify this Agreement or impose new conditions at any time by updating this Agreement on the Insurance Hub Canada Ltd.  Website, or upon notice from Insurance Hub Canada Ltd.  to You as published through the Insurance Hub Canada Ltd.  Website, or by e-mail.  Your use of the Insurance Hub Canada Ltd.  Website after such updating or notice to You shall constitute Your acceptance of such amendments, modifications, or new conditions.  If You do not want to be bound by an amendment, or subsequent version of this Agreement, You must refrain from using the Insurance Hub Canada Ltd.  Website after the date of Your termination.  No other amendments will be valid unless they are in a paper writing signed by Insurance Hub Canada Ltd.  and by You.

G.            Notices.  Except as expressly stated otherwise, any notices required or allowed under these Terms of Use shall be given to Insurance Hub Canada Ltd.  by postal mail to: Insurance Hub Canada Ltd.  Software, Inc., 1509 Paradise Camp Road, Harrodsburg, KY 40330 or to a successor address that Insurance Hub Canada Ltd.  makes available on the Insurance Hub Canada Ltd.  Website, or through any other reasonable manner.   With respect to Insurance Hub Canada Ltd. ’s notices to You, Insurance Hub Canada Ltd.  may provide notice of amendments by posting them in the Insurance Hub Canada Ltd.  Website or, and You agree periodically to check the Insurance Hub Canada Ltd.  Website for notice of such amendments.   Insurance Hub Canada Ltd.  may, alternatively, give notice to You of changes to this Agreement by sending an e-mail message to the e-mail address that You provide during registration.  Notice shall be deemed given 24 hours after it is posted or an e-mail is sent, unless (as to e-mail) the sending party is notified that the e-mail address is invalid.