Last Updated: 3/14/2011

Insuremyfec.com (the “Site”) and its contents are owned by Sterling & Sterling, Inc. (“Sterling”). By using the Site you signify that you have read, understood and agree to be bound by these Terms of Usage. Sterling reserves the right to change these Terms of Usage at any time without further notice. The changes will be posted on this Terms of Usage page and the last revision date will be updated. Your continued use of the Site after such changes indicates your acceptance of the new Terms of Usage. It is your responsibility to regularly check the Site to determine if there have been changes.

Sterling is not responsible for the conduct, whether online or offline, of any user of the Site. Under no circumstances will Sterling be responsible for any loss or damage to any Site content or personal injury or death, resulting from anyone’s use of the Site or any interactions between users of the Site, whether online or offline.

Sterling is not responsible for and makes no warranties, express or implied, as to any information contained in the Site or as to the accuracy or reliability of the Site content, whether caused by users of the Site or by any of the equipment or programming associated with or utilized in the Site and such Site content does not necessarily reflect the opinions or policies or Sterling.

All content on the Site are the proprietary property of Sterling. You are granted a limited license to access and use the Site content and to download or print a copy of any portion of the Site content to which you have properly gained access solely for your personal, non-commercial use, provided that you keep all copyright or other proprietary notices intact. You may not upload or republish Site content on any Internet, Intranet or Extranet Site or incorporate the information in any other database.

You agree not to use the Site in any manner that can damage or disable the Site. You may not post or make available any material that contains software viruses or any other programs designed to interrupt, destroy or limit the functionality of any computer software or hardware.

You acknowledge and agree that any information provided by you on the Site is nonconfidential and shall become the sole property of Sterling. Sterling reserves the right to the unrestricted use of these submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you. You may request removal of your content from the Site at any time; however, you acknowledge that Sterling Analytics retains its rights in the content.

Sterling may terminate your Site access and/or remove any content or information that you have posted (without notice) that in the sole judgment of Sterling violates the Terms of Usage or that might violate the rights, harm, or threaten the safety of others, or for other reasons which need not be disclosed.

You agree to indemnify and hold Sterling, its subsidiaries and affiliates, and each of their directors, officers, agents, contractors, partners, and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorneys’ fees, arising out of or in connection with your use of the Site, your conduct in connection with the Site or with users of the Site, or any violation of these Terms of Usage or of any law or the rights of any third party.

The Site contains links to other web Sites (“Third Party Sites”). Such Third Party Sites are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by Sterling, and Sterling is not responsible for any Third Party Sites accessed through the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third Party Sites. Inclusion of, linking to, or permitting the use or installation of any Third Party Site does not imply approval or endorsement thereof by Sterling. If you decide to leave the Site and access the Third Party Sites, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any web site to which you navigate from the Site.

By visiting or using the Site, you agree that the laws of the State of New York, without regard to principles of conflict of laws, will govern these Terms of Usage and any dispute of any sort that might arise between you and Sterling. With respect to any disputes or claims, you agree not to commence or prosecute any action in connection therewith other than in the state and federal courts located in New York, and you hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to, venue and jurisdiction in the state and federal courts of New York.