CONDITIONS OF USE

Quotest is a service mark of Quotest, LLC.

By using our site, you signify your assent to the following conditions of use without limitation or qualification. Please read these conditions before using this site. Quotest may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

DISCLAIMER

All materials on www.quotest.com are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties or merchantability and fitness for a particular purpose. Quotest does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this web site or the server that makes it available are free of viruses or other harmful components. Quotest does not warrant or make any representations regarding the use or the results of the use of the materials on this web site in terms of their correctness, accuracy, reliability, or otherwise. You, not Quotest, assume the entire cost of all necessary servicing, repair, or correction.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

Links to other sites can be accessed through this home page. Such external Internet addresses contain information created, published, maintained otherwise posted by organizations independent of Quotest. Quotest does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

LIMITATION OF LIABILITY

While Quotest uses reasonable efforts to include accurate and up-to-date information on this web site, errors or omissions may occur. Quotest makes no warranties or representations as to the accuracy of this web site. Under no circumstances including, but not limited to, negligence by act or omission, shall Quotest nor any party involved in creating, producing, or delivering the web site be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this web site, even if Quotest or a Quotest 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 Quotest's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this web site.

RESTRICTIONS ON USE OF MATERIALS

This site is owned and operated by Quotest. Permission is granted to display and navigate around this web site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this web site or any portion hereof is strictly prohibited.

Except as otherwise permitted by Quotest, no materials from www.quotest.com or any web site owned, operated, licensed or controlled by Quotest may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this web site for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this web site for public or commercial purposes, including the text, images, audio, and video, without Quotest written permission.

Quotest neither warrants nor represents that your use of materials displayed on this web site will not infringe rights of third parties not owned by or affiliated with Quotest.

INSURANCE RATE INFORMATION

The information used in all insurance rate quotes have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. To the best of its ability, Quotest has done everything it can to ensure that the insurance rate information contained in any insurance rate quotes are up-to-date and accurate. However, Quotest cannot guarantee accuracy. All quotes are for illustration purposes; actual premiums and coverage will be based on age, health history, certain underwriting criteria, location, sex and tobacco usage. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information. In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.

JURISDICTIONAL ISSUES

Quotest is domiciled in Delaware, with our principle place of business located at: 17 Saddle Ridge Court, Wilmington, DE 19808. This web site is controlled and operated by Quotest from its office within the State of Delaware, United States of America. Quotest makes no representation that materials on www.quotest.com are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

The information contained on this web site is not an offer to sell or a solicitation to buy any insurance product. No insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance laws of such jurisdiction. Some products may not be available in all states.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS

Names and images displayed on this web site are either the property of, or used with permission by Quotest. The use of these names or images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of these names or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by Quotest are proprietary to Quotest. Nothing contained on the web site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this web site without the written permission of Quotest or such third party that may own the trademarks or service marks displayed on this web site. Your use of the trademarks or service marks displayed on this web site, or any other content on this web site, expect as provided herein, is strictly prohibited.

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