Privacy Policy


Our Website Policies

 

Contents

1. Our Website Policies

2. Website Terms of Use

Acceptance of Terms Required For Site Use

Restrictions on Use of Materials

Database Ownership, License, and Use

Liability

Liability Regarding Testimonials and/or Earnings

Links and Marks

Contributing Content

Confidentiality of Codes, Passwords and Information

Forbidden actions

Reporting Copyright Violations under The Digital Millennium Copyright Act (DMCA)

Right of Refusal

Other Legal Stuff

Termination

3. Privacy Policy

Overview

How we gather information from users

What we do with the information we collect

Affiliated sites, linked sites and advertisements

Children

Removal from our Marketing Lists

Changes to this Policy

Governing law

Right of Refusal

 

Website Terms of Use

 

Acceptance of Terms Required For Site Use

 

If you do not agree to the Terms of Use, discontinue using the site immediately!

By using this site, you signify your Assent and Agreement to these Terms of Use, our Privacy Policy and all other terms listed on this page. If you do not agree to these Terms of Use or any of our other policies, do not use the site.

 

Restrictions on Use of Materials

 

Materials in this website are Copyrighted and all rights are reserved. Text, graphics, databases, HTML code, and other intellectual property are protected by US and International Copyright Laws, and may not be copied, reprinted, published, reengineered, translated, hosted, or otherwise distributed by any means without explicit permission, unless implicitly stated in the resource box for the specific content. All of the trademarks on this site are trademarks of QbikInsurance.com or of other owners used with their permission.

For a simplified explaination of how we permit ourwork to be used, please see our creative commons license terms at:

http://creativecommons.org/licenses/by-nc-nd/3.0/us/

 

Database Ownership, License, and Use

 

QbikInsurance.com warrants, and you accept, that QbikInsurance.com is the owner of the copyright of the Databases of Links to articles, product information and resources available from time to time through www.QbikInsurance.com and its associated URL’s; herein after referred to collectively as the database or website. QbikInsurance.com and its contributors reserve all rights and no intellectual property rights are conferred by this agreement.

QbikInsurance.com grants you a non-exclusive, non-transferable license to use the database(s) accessible to you subject to these Terms and Conditions. The database(s) may be used only for viewing information, making product purchases or for extracting information to the extent described below.

You agree to use information obtained from QbikInsurance.com ‘s databases only for your own private use or the internal purposes of your home or business, provided that is not the selling or broking of information or products, and in no event cause or permit to be published, printed, downloaded, transmitted, distributed, reengineered, or reproduced in any form any part of the databases (whether directly or in condensed, selective or tabulated form) whether for resale, republishing, redistribution, viewing, or otherwise.

Nevertheless, you may on an occasional limited basis download or print out individual pages of information that have been individually selected, to meet a specific, identifiable need for information which is for your personal use only on a confidential basis. You may make such limited number of duplicates of any output, both in machine-readable or hard copy form, as may be reasonable for these purposes only. Nothing herein shall authorize you to create any database, directory or hard copy publication of or from the databases, whether for internal or external distribution or use.

 

Liability

 

The materials in this site are provided “as is” and without warranties of any kind either express or implied. QbikInsurance.com disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. QbikInsurance.com does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. QbikInsurance.com does not warrant or make any representations regarding the use or the results of the use of the materials or products in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not QbikInsurance.com) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Under no circumstances, including, but not limited to, negligence, shall QbikInsurance.com be liable for any special or consequential damages that result from the use of, or the inability to use, the materials, content or products in this site, even if QbikInsurance.com or a QbikInsurance.com authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, shall QbikInsurance.com ‘s total liability to you for all damages, losses, and causes of action (whether in contract, tort, including but not limited to, negligence or otherwise) exceed the amount paid by you, if any, for accessing this site or the amount paid by you for products you purchased from us or thru a link we provided.

Facts and information at this website are believed to be accurate at the time they were placed on the website. Changes may be made at any time without prior notice. All data provided on this website is to be used for information purposes only. The information contained on this website and pages within, is not intended to provide specific legal, financial, medical or tax advice, or any other advice, whatsoever, for any individual or company and should not be relied upon in that regard. The services described on this website are only offered in jurisdictions where they may be legally offered. Information provided in our website is not all-inclusive, and is limited to information that is made available to QbikInsurance.com and such information should not be relied upon as all-inclusive or accurate.

Although QbikInsurance.com is interested in presenting you with quality products and services,
we cannot spend the time to do the due diligence it takes to ensure that only reliable services and products are advertised or sold on our website, or in email and/or printed materials. You understand that QbikInsurance.com does not represent or endorse the accuracy or reliability of any of the advertisements on our website or the quality of any products, information or other materials displayed, purchased, or obtained by you as a result of an offer, in connection with any advertisement or through your use of the QbikInsurance.com website, our online store, our email newsletters or our printed materials.

We accept no responsibility whatsoever for the content or legality of any published articles or advertisements contained within QbikInsurance.com or within our e-mal newsletters or printed materials. Although all of the articles have been selected for their content, the publishing of such articles does NOT constitute a recommendation of the products or services mentioned or advertised within those articles.

QbikInsurance.com encourages you to do your own due diligence before purchasing any product or responding to any offer, whether it is offered here or anywhere else for that matter. Please use your own judgment and carefully check out those products or offers that interest you.

 

Liability Regarding Testimonials and/or Earnings

 

You should not expect the experience or performance indicated in user testimonials on this website and/or page(s). We have accepted these testimonials in good faith, but have not independently verified any supporting or business records of the testimonial provider. Consequently, we have not verified results or specific figures quoted. We cannot confirm these results are typical. Your personal income or results will vary. In some cases, the provider of the testimonials may have received an incentive to submit their review, comments or testimonial.

 

Links and Marks

 

The owner of this site is not necessarily affiliated with sites that may be linked to this site and is not responsible for their content. The linked sites are for your convenience only and you access them at your own risk. Links to other websites or references to products, services or publications other than those of QbikInsurance.com and its subsidiaries and affiliates at this website, do not imply the endorsement or approval of such websites, products, services or publications by QbikInsurance.com or its subsidiaries and affiliates.

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute trade names, trademarks or service marks of QbikInsurance.com or of other entities. The display of trademarks on this website does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission, or other copying of modification of trademarks and/or the contents herein may be a violation of federal common law trademark and/or copyright laws and could subject the copier to legal action.

 

Contributing Content

 

If you comment on a blog, product, article or other material; post material to the QbikInsurance.com website, post links on the website, or otherwise make (or allow any third party to make) material available by means of the website (any such material, “Content”), you are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. QbikInsurance.com is not responsible for knowing whether the Content you submit is breaking the law in other countries or jurisdictions. All Content contributed must be written in English.

You are responsible for maintaining the security of your account and comments or Content contributions, and you are fully responsible for all activities that occur under the account. You must not describe or assign keywords to your Content in a misleading or unlawful manner, including in a manner intended to trade on the name or reputation of others, and QbikInsurance.com may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise likely to cause QbikInsurance.com liability. You must immediately notify QbikInsurance.com of any unauthorized uses of your account or any other breaches of security. QbikInsurance.com will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

By making Content available, you represent and warrant that:

the downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;

if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;

you have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;

the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;

the Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);

the Content is not pornographic, sexually oriented, obscene, abusive, hateful, harassing, libelous or defamatory (more info on what that means), does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;

your comment, post or submitted Content is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other blogs and web sites, and similar unsolicited promotional methods;

your comment, post or submitted Content is not named in a manner that misleads your readers into thinking that you are another person or company;

you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by QbikInsurance.com or otherwise.

You remain solely responsible for the Content you submit and you agree to indemnify and hold harmless QbikInsurance.com. The QbikInsurance.com website also reserves the right to reveal your identity (or any information we have about you) in the event of a complaint or legal action arising from any Content posted by you.

By submitting Content to QbikInsurance.com for inclusion on our website, you grant QbikInsurance.com a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the Content in any matter QbikInsurance.com deems necessary or useful. If you delete Content, QbikInsurance.com will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable and QbikInsurance.com may not be able to or choose not to delete the Content.

Without limiting any of those representations or warranties, QbikInsurance.com has the right (though not the obligation) to, in QbikInsurance.com’s sole discretion (i) refuse or remove any content that, in QbikInsurance.com’s reasonable opinion, violates any policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the QbikInsurance.com website to any individual or entity for any reason, in QbikInsurance.com’s sole discretion.

 

Confidentiality of Codes, Passwords and Information

 

You agree to treat as strictly private and confidential any Subscriber Code, username, user ID, or password which you may have received from QbikInsurance.com , and all information to which you have access through password-protected areas of QbikInsurance.com ‘s websites and will not cause or permit any such information to be communicated, copied or otherwise divulged to any other person whatsoever. You may not use any manual, automated or scripted means to attempt to bypass the security methods or restrictions used on our website or attempt to access the accounts or private information of other accounts or persons accessible thru our website.

 

Forbidden actions.

 

You are not authorized to (i) use the QbikInsurance.com website to advertise for products of any kind and for other blogs or websites, (ii) to infringe the policies of the QbikInsurance.com website, (iii) to attack the QbikInsurance.com website using malicious software and/or use the website for data mining (iv) to commit any illegal actions while using the website, or against this website, (v) to restrict access to this website, (vi) to impede the normal functioning of this website and (vii) to menace the website owners with, or cause physical or financial harm to, the owners and operators of the QbikInsurance.com website.

 

Reporting Copyright Violations under The Digital Millennium Copyright Act (DMCA)

 

If you believe that any material contained in this site infringes your copyright, please notify QbikInsurance.com of the potential infringement using following procedure:

QbikInsurance.com will process notices of alleged infringement and take any appropriate action required by the Digital Millennium Copyright Act (DMCA) and other applicable intellectual property laws. The DMCA requires notifications be sent to our Designated Agent who is:

Att: Copyright Agent, potential DMCA violation
QbikInsurance.com
5701 Sunset Drive, Suite 256
South Miami, FL 33143

As required by the act, the notification must be in writing and contain the following information:

1. 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 claimed to have been infringed, or, if multiple copyrighted works 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 the service provider to locate the material;

4. Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;

5. A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;

6. A statement, made under penalty of perjury, that the information in the notification is accurate and that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

E-mails sent to QbikInsurance.com for the purposes of copyright claims may not be acknowledged or responded to. You must submit your request in writing.

 

Right of Refusal

 

QbikInsurance.com reserves the right to refuse to accept an order, cancel an order or revoke your access to the website at its sole discretion or violations of any of our terms of service; to the extent permitted by law for any possible reason.

 

Other Legal Stuff

 

These Terms of Use will apply to every access to the QbikInsurance.com website irrespective of the URL used to access the website. QbikInsurance.com reserves the right to issue revisions to these Terms of Use by publishing a revised version of this document on this site: that version will then apply to all use by you following the date of publication. Each access of information from QbikInsurance.com will be a separate, discrete transaction based on the then prevailing terms.

This Terms of Use and the license granted may not be assigned or sublet by You without QbikInsurance.com’s written consent in advance.

These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the state of Florida, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate QbikInsurance.com and/or its affiliates’ intellectual property rights, QbikInsurance.com and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the state of Florida, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Miami-Dade County, Miami, FL. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Miami-Dade County, Miami, FL, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

If any provision of this agreement is void or unenforceable in whole or in part, the remaining provisions of this Agreement shall not be affected thereby.

 

Termination

 

These Terms of Use agreement are effective until terminated QbikInsurance.com. Your use of the QbikInsurance.com website or making purchases from our online store constitutes your acceptance of these terms. This agreement will terminate immediately without notice at QbikInsurance.com’s sole discretion, should you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all copies thereof, whether made under the terms of this agreement or otherwise and immediately cease use of the QbikInsurance.com website.

 

Privacy Policy

 

Overview

 

Last Updated: October 28, 2009

We respect the privacy of our visitors, clients and readers.

We will NEVER supply or sell your personal information to
any Third Party!

QbikInsurance.com strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally Identifiable Information (your name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. We will never sell, barter, or rent your email address to any unauthorized third party. Period.

 

How we gather information from users

 

How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of our site. Like most Web sites, QbikInsurance.com also collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our site. As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, and we may not be able to customize the site’s features according to your preferences.

 

What we do with the information we collect

 

Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone.

Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personally Identifiable Information about you or allow anyone to identify you individually.

We may use Personally Identifiable Information collected on QbikInsurance.com to communicate with you about your registration and customization preferences; our Terms of Service and Privacy Policy; services and products offered by QbikInsurance.com and other topics we think you might find of interest.

Personally Identifiable Information collected by QbikInsurance.com may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you. Certain third parties who provide technical support for the operation of our site (our Web hosting service for example) may access such information. We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.

 

Affiliated sites, linked sites and advertisements

 

QbikInsurance.com expects its partners, advertisers and affiliates to respect the privacy of our users. Be aware, however, that third parties, including our partners, advertisers, affiliates and other content providers accessible through our site, may have their own privacy and data collection policies and practices. For example, during your visit to our site you may link to, or view as part of a frame on a QbikInsurance.com page, certain content that is actually created or hosted by a third party. Also, through QbikInsurance.com you may be introduced to, or be able to access, information, Web sites, features, contests or sweepstakes offered by other parties. QbikInsurance.com is not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party.

While on our site, our advertisers, promotional partners or other third parties may use cookies or other technology to attempt to identify some of your preferences or retrieve information about you. For example, some of our advertising is served by third parties and may include cookies that enable the advertiser to determine whether you have seen a particular advertisement before. Other features available on our site may offer services operated by third parties and may use cookies or other technology to gather information. QbikInsurance.com does not control the use of this technology by third parties or the resulting information, and is not responsible for any actions or policies of such third parties.

You should also be aware that if you voluntarily disclose Personally Identifiable Information on message boards, comments or in chat areas, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of QbikInsurance.com and this policy.

 

Children

 

QbikInsurance.com does not knowingly collect or solicit Personally Identifiable Information from or about children under 13 except as permitted by law. If we discover we have received any information from a child under 13 in violation of this policy, we will delete that information immediately. If you believe QbikInsurance.com has any information from or about anyone under 13, please contact us using the methods below.

Contacting Us.

We can be reached by:

Using our contact form located at:
http://www.qbikinsurance.com/contact-us.html

Calling us: 1-866-320-QBIK

Write to us at:

QbikInsurance.com
5701 Sunset Drive, Suite 256
South Miami, FL 33143

 

Removal from our Marketing Lists

 

To be removed from our email subscriber list, follow the instructions at the bottom of the e-mail message you received. If you would like to be removed from our telephone or physical mailing lists please use our contact form located at:

http://www.qbikinsurance.com/contact-us.html

In the comments section, please clearly state the email address you would like removed.

 

Changes to this Policy

 

QbikInsurance.com reserves the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

 

Governing law

 

This policy and the use of this Site are governed by Florida law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Miami-Dade County, Miami, FL. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Miami-Dade County, Miami, FL, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

QbikInsurance.com is controlled, operated and administered entirely within Florida. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

 

Right of Refusal

 

QbikInsurance.com reserves the right to refuse to accept an order, cancel an order or revoke your access to the website at its sole discretion or violations of any of our terms of service; to the extent permitted by law for any possible reason.