The information that iib collects about visitors while they are using the Service falls into two general categories:

1. Information You Provide to Us. iib may collect and store information, personal or otherwise, that you voluntarily supply either while on the iib website or in responding, via e-mail to a feature provided on the iib website. Some examples of this type of information include: demographic information that you electronically submit when you sign up for access to certain features on the Service, information (such as your name or e-mail address) that you electronically submit when you register for surveys, emails or contests on the iib website, information that you post on message boards on the iib website, and information contained in search requests or questions that you submit to the iib website. If you decline to supply or provide iib with certain information while using the Service, you may not be able to use or participate in some or all of the features offered through the Service.

2. Information that is Automatically Collected. iib also collects and stores information that is generated automatically as you navigate through the iib website. For example, to enhance your experience on the iib website, iib uses a standard feature found in browser software called a "cookie." Cookies are small files that your web browser places on your hard drive for record-keeping purposes. By showing how and when visitors use the iib site, cookies help us track user trends and patterns. They also prevent you from having to re-enter your preferences on certain areas of the iib site where you have entered preference information before. iib also uses web beacons (also known as "single-pixel GIFs") to access cookies and to count users who visit the iib site or open iib's HTML-formatted email messages. Another example of information that iib automatically collects as you navigate the iib site is information about your computer's connection to the Internet. This information allows us, among other things, to improve the delivery of our web pages to you and to measure traffic on the iib site.

How is the Information Used?

iib uses the information it collects from you while you are using the Service in a variety of ways, including, using the information to customize features and advertising that appear on the iib website. We WILL NOT provide third parties with information about our visitors.

However, iib reserves the right to use and to disclose to third parties all of the information that iib collects online about you and other visitors in any way and for any purpose, with one important exception. iib will not use the information that it collects online from you while you are using the Service, nor will iib authorize third parties to use such information to mail or e-mail promotional offers directly to you unless you have specifically informed iib that you would like to receive promotional offers from iib and from third parties. If you choose to receive these promotional offers, then your information may be used for direct mail or e-mail marketing.

Please also keep in mind that whenever you voluntarily disclose personal information online - for example on message boards, through e-mail, or in chat areas - that information can be seen, collected and used by others besides iib. iib cannot be responsible for any unauthorized third party use of information that you disclose online.

The iib website includes links to other websites, and provides access to products and services offered by third parties, whose privacy policies we do not control. When you access another website or purchase products or services or conduct other transactions through the Service, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting or the provider of such products or services.

We also make some content, products and services available through our Service through cooperative relationships with third party providers, where the brands of our provider partner appear prominently on iib. We may share with our provider partner any information you provide, or that is collected, in the course of visiting any pages that are made available in cooperation with our provider partner. In some cases, the provider partner may collect information from you directly; in which cases the privacy policy of the provider partner may apply to the provider partner's use of your information. The privacy policy of our provider partners may differ from ours. If you have any questions regarding the privacy policy of one of our provider partners, you should contact the provider directly for more information. In addition, certain affiliated divisions, such as the Ragland Strother Lafitte site(s), provide certain online services that are separate from our Service and may be subject to privacy policies that are different from ours. If you have any question about the privacy policy that applies to the online service you are using, you should click on the relevant link on the page of the service that you are using.

Be aware that iib may occasionally release information about visitors when release is appropriate to comply with law, to enforce our Terms of Service agreement, or to protect the rights, property or safety of visitors to our site, the public, or iib.

Children's Privacy Statement for YOUR SITE NAME HERE

This children's privacy statement explains iib's practices with respect to the online collection and use of personal information from children under the age of thirteen, and provides important information on your rights under federal law with respect to such information.

• We do NOT knowingly collect personally identifiable information from children under the age of thirteen as part of the Service. We screen users who wish to provide personal information in order to prevent users under the age of thirteen from providing such information. If we become aware that we have inadvertently received personally-identifiable information from a user under the age of thirteen as part of the Service, we will delete such information from our records. If we change our practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of thirteen as part of the Service.
• Because we do not collect any personally identifiable information from children under the age of thirteen as part of the Service, we also do NOT knowingly distribute such information to third parties.
• We do NOT knowingly allow children under the age of thirteen to publicly post or otherwise distribute personally identifiable contact information through the Service.
• Because we do not collect any personally identifiable information from children under the age of thirteen as part of the Service, we do NOT condition the participation in the Service's online activities of a child under thirteen on providing personally identifiable information.

Questions on Privacy
If you have questions or concerns about the children's privacy statement, the privacy practices of the iib website, or your dealings with iib, please contact us by:

e-mail:
privacy@insuranceisboring.com

mail:
George Knox
3838 Oak Lawn, Suite 500
Dallas, Texas 75219

phone: 
214-443-1400

Disclaimer

Through the Service, iib has provided links and pointers to Internet sites maintained by third parties. iib's linking to such third party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through the sites. In addition, neither Gannett Satellite Information Network, Inc., the owner of iib, or its parent or subsidiary companies nor their affiliates operate or control in any respect any information, products or services that third parties may provide on or through the Service or on websites linked to by the iib website. The information, products and services offered on or through the Service and any third-party sites are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, iib disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. iib does not warrant that the Service or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that any part of this Service, including bulletin boards, or the servers that make it available, are free of viruses or other harmful components.

iib does not warrant or make any representations regarding the use or the results of the use of the Service or materials in this Service, or in third-party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise. You (and not iib) assume the entire cost of all necessary maintenance, repair or correction.

The Service is provided for informational purposes only, and is not intended for trading or investing purposes, or for commercial use. Stock and mutual fund quotes, and related financial news stories may be delayed at least 20 minutes, as may be required by the stock exchanges and/or the financial information services. The Service should not be used in any high risk activities where damage or injury to persons, property, environment, finances or business may result if an error occurs. You expressly assume all risk for such use.

Online Purchases on or through iib

In the future, certain sections of the iib website may allow you to purchase many different types of products and services online that are provided by third parties. iib is not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these products and services. If you make a purchase from a merchant on the iib website or a site linked to by iib, the information obtained during your visit to that merchant's online store or site and the information that you give as part of the transaction, such as your credit card number and contact information, is collected by the merchant. A merchant may have separate privacy and data collection practices. iib has no responsibility or liability for these independent policies. For more information regarding a merchant, its online store, and its privacy policies, return to that merchant's home page and click on its information links or contact the merchant website directly. You release iib and its affiliates from any damages that you incur, and agree not to assert any claims against them, arising from your purchase or use of any products or services made available by third parties through the iib website.

When you purchase products or services on or through the iib website, you may be subject to additional terms and conditions that specifically apply to your purchase or use of such products or services. If you have any questions about these additional terms and conditions, you should contact the merchant of such products or services directly.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Service. You agree to use the Service and to purchase services or products through the Service for legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party's personal information to iib or a merchant, you represent that you have obtained the express consent of such third party to provide such third party's personal information.

Use of Company Directories
The information contained in any company directories that may be provided on the iib website is provided for business lookup purposes and is not to be used for marketing or telemarketing applications. This information may not be copied or redistributed and is provided "AS IS" without warranty of any kind. In no event will iib or its suppliers be liable in any way with regard to such information.

Interactive Features

This Service may include a variety of features, such as polls, bulletin boards and chat rooms, which allow feedback to iib and real-time interaction between users, and other features, such e-mail services, which allow users to communicate with others. Responsibility for what is posted on bulletin boards, chat rooms and other public posting areas on the Service lies with each user - you alone are responsible for the material you post. iib does not control the messages, information or files that others may provide through the Service. It is a condition of your use of the Service that you do not:

• Restrict or inhibit any other user from using and enjoying the Service.
• Use the Service to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
• Use the Service to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.
• Use the Service to post or transmit any information, software or other material that contains a virus or other harmful component.
• Use the Service to post, transmit or in any way exploit any information, software or other material for commercial purposes, or which contains advertising. 
• Use the Service to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without the express written approval of iib.
• Gather for the purpose of spamming e-mail addresses that have been posted by other users of the Service.

You understand that iib has no obligation to monitor any bulletin boards, chat rooms, or other areas of the Service through which users can supply information or material. However, iib reserves the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, or to refuse to post or to remove any information or materials, in whole or in part, that in iib's sole discretion are objectionable or in violation of these Terms of Service.

Registration
To access certain features of the Service, iib may ask you to provide certain demographic information including your gender, year of birth, zip code and country. In addition, if you elect to sign-up for a particular feature of the Service, such as email alerts, chat rooms or bulletin boards, you may also be asked to register with iib on the form provided and such registration may require you to provide personally identifiable information such as your name and email address. You agree (a) to provide true, accurate, current and complete information about yourself as prompted by the Service's registration form. If iib has reasonable grounds to suspect that such information is untrue, inaccurate or incomplete, iib has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof). iib's use of any personally identifying information you provide to iib as part of the registration process is governed by the terms of iib's Privacy Policy.

Passwords
To use certain features of the Service, you will need a username and password, which you will receive through the Service's registration process. You are responsible for maintaining the confidentiality of the password and account, and are responsible for all activities (whether by you or by others) that occur under your password or account. You agree to notify iib immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. iib cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information.

Classified Advertising
When you submit a classified ad for publication on the Service, you agree that the advertisement as it appears on the Service becomes the property of iib and you assign all ownership interest in the advertisement as it appears on Service under copyright law or otherwise to iib. Submission of an advertisement does not constitute a commitment to publish the advertisement, and publication of an advertisement does not constitute an agreement for continued publication. We will accept only standard abbreviations and required proper punctuation. iib reserves the right to edit, reclassify, revise, reject or cancel any advertisement at any time, in its sole discretion. Rates and specifications are subject to change.

Real Estate Advertisements; Equal Housing Opportunity
All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise "any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation, or discrimination." State law may also forbid discrimination based on these factors and others. We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. To complain of discrimination call the U.S. Department of Housing and Urban Development at 800-669-9777.

Limitation of liability
Under no circumstances, including, but not limited to, negligence, shall iib, its subsidiary and parent companies or affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, iib materials, products, or services, third party materials, products, or services made available through iib, or any part of the Service even if iib is advised beforehand of the possibility of such damages. (Because some states do not allow the exclusion or limitation of certain categories of damages, the above limitation many not apply to you. In such states, the liability of iib, its subsidiary and parent companies or affiliates is limited to the fullest extent permitted by such state law.) You specifically acknowledge and agree that iib is not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any iib material, products, or services, or with any of iib's terms and conditions, your sole and exclusive remedy is to discontinue using the Service.

Termination
iib may cancel or terminate your right to use the Service or any part of the Service at any time without notice. In the event of termination, you are no longer authorized to access the part of the Service affected by such cancellation or termination. The restrictions imposed on you with respect to material downloaded from the Service, and the disclaimers and limitations of liabilities set forth in these Terms of Service, shall survive.

Other
This agreement constitutes the entire agreement between iib and you with respect to the subject matter contained in this agreement and supersedes all previous and contemporaneous agreements, proposals and communications, written oral. You also may be subject to additional terms and conditions that may apply when you use the products or services of a third party that are provided through the Service. In the event of any conflict between any such third party terms and conditions and these Terms of Service, these Terms of Service shall govern. This agreement shall be governed by and construed in accordance with the laws of the State of New York without giving effect to any principles or conflicts of law. If any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.