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FINANCIAL INSIDER TERMS OF USE
Last Updated July 9, 2014

Legally Binding Terms
These Terms of Use (the “Terms”) set forth the legally binding agreement between you and Intersections Insurance Services Inc. and any of its affiliates or any third party provider that may provide any part of the Service (“IISI”, “we”, “us” and variations such as "our') regarding each product or service you have ordered or order from us (together and alone, the “Service”).

Personal Information Authorization
As needed to provide the Service to you, you authorize and instruct IISI to obtain, monitor and compile your 'non-public personal Information,” “personal information,” and “highly restricted personal information" about you as defined by the Gramm-Leach-Bliley Act (15 U.S.C. Sec. 6801 et seq.) and Drivers Privacy Protection Act (18 U.S.C. Sec. 2721 et seq.), respectively, and other personal information.

Use of the Service
You may not use the Service to obtain information about or make decisions about anyone but yourself. You may not use the Service unless you are eighteen years of age or older. You are solely responsible for any reliance by you on the Service or other use you make of the Service. We do not provide the Service, or any advice or assistance, for the purpose of Improving your credit report, credit history or credit rating. The information provided in connection with the Service does not constitute legal, tax or financial advice. The information provided is for educational purposes only. Our Service is intended to provide information solely for a Customer's convenience and knowledge. It is not a substitution of legal or tax advice obtained from a licensed attorney in your state or independent certified public accountant. The Service is intended to provide you with knowledge and education so that you can choose appropriate legal services. As part of an educational discussion, we may provide you with a list of attorneys that you may choose to contact for legal advice. Any attorney client relationship will be formed directly between you and the attorney you select and speak with, and not with any attorney you may speak with to obtain general education and knowledge through the Service. It is each Customer's responsibility to evaluate the usefulness, accuracy and completeness of any information or resources provided. We strongly encourage Customers to seek the advice of professionals, as appropriate. regarding their issue(s). Service may include opportunities for discounted goods or services. The actual savings you receive may vary depending on your geographic location within the US and/or the specific products and/or services you have purchased. The discount provided by the Service may not be used in conjunction with any other discount. Employment related issues and matters involving disputes between you and IISI or you and any third party providing the Service, including IISI or the third party's agents, officers, directors, or employees, are expressly excluded from the Service.

Referrals
We do not control and are not responsible for the quality of services rendered by referral attorneys or other resources nor do we review or monitor their activities. A referral to an attorney or resource is not a recommendation, approval or representation by ComPsych regarding the standards, quality, competence or adequacy of such attorney or resource or its agents and employees or its facilities. The decision as to whether or not to utilize an attorney or resource identified through the Services shall rest solely with you who has the sole and independent obligation to decide whether or not to contract with or otherwise retain or employ such attorney or resource. We do not assume any liability with regard to the services performed by any attorney or resource. We are not responsible for any fees charged to you by an attorney or other resource; you shall be solely responsible for payment of any such fees.

Improper Use of Services
We reserve the right to disqualify you from utilizing the Service for abuse, fraud or any violation of these Terms of Use. In the event of fraud or abuse of Service privileges or violation of Service rules (including any attempt to sell, exchange or transfer access to Service), as we may determine In our sole discretion, we reserve the right to terminate your access to the Service.

Regulatory Disclosures
This product is not intended as a substitute for consumer reports or other information that may be available to you without charge. Under the Fair Credit Reporting Act you are entitled to obtain one free credit file disclosure annually from each of the three nationwide credit reporting systems (Equifax, Experian, and TransUnion) and you may be eligible for additional free reports under certain circumstances, such as, if you are unemployed and intend to apply for employment, if you are receiving public welfare assistance, if you have reason to believe information in your file is inaccurate as a result of fraud, if you have placed a fraud alert or extended fraud alert on your file, or if you have been subject to an adverse action based in whole or in part on the contents of your consumer report.

You also may be entitled to free file disclosures under state law. MA, VT, CO, MD, ME and NJ permit consumers to obtain one credit file per credit reporting agency per year, free of charge. GA permits consumers to obtain two credit files per credit reporting agency per year, free of charge.

NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR A NOMINAL FEE.

Credit Scores
The following disclosures and disclaimers apply to CreditXpert Inc., Intersections Inc., and their respective affiliates, suppliers and distributors.

The credit scores provided are CreditXpert® ScoresTM, which are developed by CreditXpert Inc. ("CXI") and range from 350 to 850. CXI is not affiliated with or endorsed by Equifax, Experian, TransUnion or FICO. There are many different credit scores in the marketplace, and CreditXpert Scores may not be identical or similar to credit scores produced by any other company, including FICO. CreditXpert Scores are intended to reflect common credit scoring practices, but they are not used by lenders to evaluate your credit. CreditXpert products are not an endorsement or a determination of your qualification for a loan, a change in loan terms or any extension of credit by any lender. Predicted scores and score changes simulated by CreditXpert products are only estimates. CXI does not guarantee that scores from any other company will change by the same amount, in the same way, or at all.

The information generated by CreditXpert® products is based on one or more of your credit reports, which are provided by one or more of the major credit reporting agencies ("credit bureaus"). Your credit reports reflect your credit information at a specific point in time, so they may not yet include recent activity such as charges, payments, credit inquiries and new accounts. Also, your reports may not include all of your credit accounts because lenders and creditors are not required to report information to the credit bureaus. You should carefully review your reports to identify any errors or missing information, because CreditXpert products are only as accurate as the credit report information on which they are based. CXI is not responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit reports or incorrect assumptions about the future.

CXI does not maintain your credit report information and is not able to make any changes to it. CXI does not advise you to dispute any item in your credit report, and cannot initiate any disputes on your behalf. CXI does not provide financial or other advice; it is not a credit bureau, credit reporting agency, credit counseling or credit repair organization. CreditXpert products are provided for educational purposes only.

THE FOREGOING IS NOT INTENDED TO PROVIDE OR IMPLY WARRANTIES OF ANY KIND. CREDITXPERT PRODUCTS ARE PROVIDED ON AN "AS IS" BASIS, AND CREDITXPERT INC. AND ITS SUPPLIERS, DISTRIBUTORS AND AFFILIATES DISCLAIM ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, NON-INTERFERENCE AND/OR ACCURACY OF INFORMATIONAL CONTENT.

Copyright © 2000-2014, CreditXpert Inc. All rights reserved.
CreditXpert® is a registered trademark of CreditXpert Inc.

Fees and Charges
You authorize us to charge your credit card or other account that you have designated. Monthly, annual and other periodic or renewal fees will be charged at the then current rate. You may cancel the Service at any time by calling the number provided for that purpose on our Web Site or printed materials You have the right to cancel your membership without fee or penalty at any time. and if you have prepaid for more than one month of the subscription, you may receive a pro rata refund if you cancel.

Changes
At any line without notice to you, we may modify these Terms or the fees for the Service, or modify or cancel the Service.

Privacy Policy
You acknowledge receipt of our customer privacy policy. If you ordered the Service on a Web Site, or otherwise use our Web Site to engage in any electronic transaction with respect to the Service, than you agree to receive any updates to our customer privacy policy by accessing our Web Site.

No Representations or Warranties; Limitations of Liability
THE SERVICE. INCLUDING WITHOUT LIMITATION ANY INFORMATION DELIVERED AS PART OF THE SERVICE, IS PROVIDED ON AN “AS IS” BASIS ONLY. NEITHER IISI, NOR ANY THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, MAKES, AND EACH EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, ACCURACY OR THAT THE SERVICE IS ERROR FREE. FURTHER, WE DISCLAIM ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTY IN CONNECTION WITH YOUR USE OF THE SERVICES. WE DO NOT ENDORSE AND ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINIONS OR STATEMENTS MADE BY ANY PARTY OTHER THAN THE PARTY PROVIDING THE SERVICE. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE SERVICES PROVIDED BY A THIRD PARTY. THE SERVICE CONTAINS INFORMATION PROVIDED BY ONE OR MORE THIRD PARTY CREDIT REPORTING AGENCIES OR OTHER THIRD PARTY DATA PROVIDERS. IISI DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY SUCH THIRD PARTY PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT NEITHER IISI NOR ANY SUCH THIRD PARTY PROVIDER HAS ANY OBLIGATION TO CORRECT INFORMATION ABOUT YOU EXCEPT AS REQUIRED BY APPLICABLE LAW. INFORMATION YOU REQUEST MAY NOT BE AVAILABLE OR MAY NOT BE PROVIDED, AND IISI HAS NO LIABILITY FOR SUCH FAILURE. IN NO EVENT MAY IISI, OR ANY THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. IISI TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICE MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE. SOME JURISDICTIONS LIMIT OR PROHIBIT THE FOREGOING LIMITATIONS, AND IN SUCH JURISDICTIONS THE FOREGOING LIMITATIONS SHALL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Miscellaneous Provisions
In order to read these Terms electronically and use our Web Site, you must have access to a personal computer with Internet access, a 128 bit java-script enabled browser, and Internet Explorer 5.0 or higher or Netscape 7 or higher installed. You may obtain a paper copy of these disclosures by calling 1-800-214-4791. These Terms are governed by the laws of the Commonwealth of Virginia, USA, exclusive of its choice of law principles. ANY CLAIM, ACTION OR DISPUTE ARISING OUT OF OR RELATING TO THE SERVICE OR OTHERWISE BETWEEN YOU AND US SHALL BE SETTLED BY BINDING ARBITRATION IN WASHINGTON, D.C., IN ACCORDANCE WITH THE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION. NEITHER YOU NOR WE MAY CONSOLIDATE OR JOIN ANY CLAIM OR ACTION IN ARBITRATION WITH ANY OTHER CLAIM OR ACTION OR ACT AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OR PRIVATE ATTORNEY GENERAL. JUDGMENT UPON ANY AWARD OF THE ARBITRATOR MAY BE ENTERED IN ANY FEDERAL OR STATE COURT HAVING JURISDICTION. THIS ARBITRATION PROVISION AND THESE TERMS ARE GOVERNED BY THE FEDERAL ARBITRATION ACT.

FINANCIAL DEEMER NETWORK. The legal and tax services provided in the FINANCIAL INSIDER NETWORK product are provided by ComPsych.

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