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Terms of Use. For clarification of any point or
example made in materials presented on this site, or to order materials
or receive a personal, no obligation proposal or
annuity brochure call 1-800-286-1812 .
Unless otherwise stated, policies used for
demonstration purposes are annuity policies. All rates
quoted were available from highly rated insurers as
of 1-1-2007. However, these rates do not constitute a
quotation and are subject to change without notice.
Jeff McLeod describes on this site situations that he
had available to him at the time they were written. Without
knowledge of your specific requirements , Jeff McLeod and McLeod
Agency, Inc. disclaim any liability for loss incurred by use of any
direct or indirect application of the materials contained herein.
Jeff McLeod and/or McLeod Agency, Inc. does not provide legal
advice. Consult your attorney or tax advisor before implementing
any legal documents.
You may live in a state where Jeff McLeod and/or
McLeod Agency, Inc. Insurance Services is/are not currently
licensed as an insurance agent/agency. This website, including
all information contained or referenced herein, is not and should not
be construed as an offer to sell or a solicitation for the sale of any
insurance product: (1) by any person/entity in any jurisdiction in
which such offer or solicitation is not authorized or in which Jeff
McLeod/McLeod Agency, Inc. is/are not qualified to make such offer or
solicitation, or; (2) to anyone to whom it is unlawful to make such an
offer or solicitation. If you wish to inquire as to the
jurisdictions in which Jeff McLeod and /or McLeod Agency Inc.
is/are currently licenses or registered, please call us at
1-800-286-1812.
TERMS AND CONDITIONS OF USE
We
have taken every effort to design our Web site to be useful,
informative, helpful, honest and fun. Hopefully we’ve
accomplished that — and would ask that you let us know if you’d like to
see improvements or changes that would make it even easier for you to
find the information you need and want.
All we ask is that you
agree to abide by the following Terms and Conditions. Take a few
minutes to look them over because by using our site you automatically
agree to them. Naturally, if you don’t agree, please do not use the
site. We reserve the right to make any modifications that we deem
necessary at any time. Please continue to check these terms to see what
those changes may be! Your continued use of the happyretiree.com Web
site means that you accept those changes.
THANKS AGAIN FOR VISITING!
Restrictions on Use of Our Online Materials
All Online Materials on the happyretiree.com
site, including, without limitation, text, software, names, logos,
trademarks, service marks, trade names, images, photos, illustrations,
audio clips, video clips, and music are copyrighted intellectual
property. All usage rights are owned and controlled by happyretiree.com.
You, the visitor, may download Online Materials for non-commercial,
personal use only provided you 1) retain all copyright, trademark and
propriety notices, 2) you make no modifications to the materials, 3)
you do not use the materials in a manner that suggests an association
with any of our products, services, events or brands, and 4) you do not
download quantities of materials to a database, server, or personal
computer for reuse for commercial purposes. You may not, however, copy,
reproduce, republish, upload, post, transmit or distribute Online
Materials in any way or for any other purpose unless you get our
written permission first. Neither may you add, delete, distort or
misrepresent any content on the happyretiree.com site. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.
Everything you
download, any software, plus all files, all images incorporated in or
generated by the software, and all data accompanying it, is considered
licensed to you by happyretiree.com
or third-party licensors for your personal, non-commercial home use
only. We do not transfer title of the software to you. That means that
we retain full and complete title to the software and to all of the
associated intellectual-property rights. You’re not allowed to
redistribute or sell the material or to reverse-engineer, disassemble
or otherwise convert it to any other form that people can use.
Submitting Your Online Material to Us
All remarks, suggestions, ideas, graphics, comments, or other information that you send to happyretiree.com
through our site (other than information we promise to protect under
our privacy policy becomes and remains our property, even if this
agreement is later terminated.
That means that we
don’t have to treat any such submission as confidential. You can’t sue
us for using ideas you submit. If we use them, or anything like them,
we don’t have to pay you or anyone else for them. We will have the
exclusive ownership of all present and future rights to submissions of
any kind. We can use them for any purpose we deem appropriate to our happyretiree.com mission, without compensating you or anyone else for them.
You acknowledge that
you are responsible for any submission you make. This means that you
(and not we) have full responsibility for the message, including its
legality, reliability, appropriateness, originality, and copyright.
Limitation of Liability
happyretiree.com WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY THAT ACCOMPANY OR RESULT FROM YOUR USE OF ANY OF ITS SITE.
THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:
- USE OF (OR INABILITY TO USE) THE SITE
- USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE
- FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED
- ERROR ON OUR SITE
- OMISSION ON OUR SITE
- INTERRUPTION OF AVAILABILITY OF OUR SITE
- DEFECT ON OUR SITE
- DELAY IN OPERATION OR TRANSMISSION OF OUR SITE
- COMPUTER VIRUS OR LINE FAILURE
- PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:
- DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY
- DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS "CONSEQUENTIAL DAMAGES.")
- OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY
FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS "INCIDENTIAL DAMAGES.")
WE ARE NOT LIABLE EVEN
IF WE’VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH.
EXCEPTION: CERTAIN
STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE
"INCIDENTAL" OR "CONSEQUENTIAL" DAMAGES. IF YOU LIVE IN ONE OF THOSE
STATES, THE ABOVE LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN
THAT YOU MIGHT HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES.
HOWEVER, IN ANY EVENT,
OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES, AND CLAIMS OF
ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF
A CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL
CONDUCT, OR THEY’RE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE
GREATER THAN THE AMOUNT YOU PAID IF ANYTHING TO ACCESS OUR SITE.
Links to Other Site
We
sometimes provide referrals to and links to other World Wide Web sites
from our site. Such a link should not be seen as an endorsement,
approval or agreement with any information or resources offered at
sites you can access through our site. If in doubt, always check the
Uniform Resource Locator (URL) address provided in your WWW browser to
see if you are still in a happyretiree.com-operated site or have moved to another site. happyretiree.com is not responsible for the content or practices of third party sites that may be linked to our site. When happyretiree.com
provides links or references to other Web sites, no inference or
assumption should be made and no representation should be inferred that
happyretiree.com
is connected with, operates or controls these Web sites. Any approved
link must not represent in any way, either explicitly or by
implication, that you have received the endorsement, sponsorship or
support of any happyretiree.com site or endorsement, sponsorship or support of happyretiree.com, including its respective employees, agents or directors.
Termination of This Agreement
This
agreement is effective until terminated by either party. You may
terminate this agreement at any time, by destroying all materials
obtained from all happyretiree.com Web site, along with all related documentation and all copies and installations. happyretiree.com
may terminate this agreement at any time and without notice to you, if,
in its sole judgment, you breach any term or condition of this
agreement. Upon termination, you must destroy all materials. In
addition, by providing material on our Web site, we do not in any way
promise that the materials will remain available to you. And happyretiree.com is entitled to terminate all or any part of any of its Web site without notice to you.
Jurisdiction and Other Points to Consider
If
you use our site from locations outside of the United States, you are
responsible for compliance with any applicable local laws.
These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the Arkansas, 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 happyretiree.com and/or its affiliates' intellectual property rights, happyretiree.com and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of happyretiree.com, 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: Sherwood. 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: Pulaski, co,
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.
happyretiree.com
may modify these Terms of Use, and the agreement they create, at any
time, simply by updating this posting and without notice to you. This
is the ENTIRE agreement regarding all the matters that have been
discussed.
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