Terms and Conditions
Terms and Conditions of Use
Introduction
This website is maintained by 180 Direct for your personal information, entertainment, and enjoyment. Please feel free to browse, download from, talk back to, and otherwise use the site. At the same time, please remember that your access to the 180 Direct site is subject to the following terms, conditions, and notices (the "Terms"), as well as all applicable laws. By accessing and using the 180 Direct site, you accept the Terms without limitation or qualification. 180 Direct may at any time revise these Terms by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Terms from time to time. 180 Direct reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site.
Downloading
You may download material displayed on the 180 Direct site for personal, non-commercial use only. You must retain all copyright and other proprietary notices on downloaded and/or copied material. Any copy of material from the 180 Direct site you make and distribute for any purpose must also include these Terms. You may not distribute, modify, transmit, use, or reuse any of the contents of the 180 Direct site for any public or commercial purpose without the written consent of 180 Direct or any third party 180 Direct deems necessary. Anything you download, including the information and any images incorporated in the site, is licensed to you by 180 Direct for your personal noncommercial use. Because 180 Direct owns this site and its contents and 180 Direct can control access to it, you agree not to create any kind of hyperlink from any other site to the 180 Direct site unless you first obtain 180 Direct’s written permission.
Copyrights
You should assume everything on the 180 Direct site is copyrighted unless otherwise noted and may not be used except as provided in the Terms or with the express written consent of 180 Direct or any third party 180 Direct deems necessary. 180 Direct neither warrants nor represents that your use of the material displayed on the 180 Direct site will not infringe rights of third parties. Images of people or places displayed on the 180 Direct site are either the property of, or used with permission by, 180 Direct. Use of these images by you or other third parties is prohibited unless expressly permitted in the Terms or elsewhere on the 180 Direct site. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.
Trademarks
The trademarks, logos, and service marks (the "Trademarks") displayed on the 180 Direct site are the property of 180 Direct and other parties and may be registered and unregistered Trademarks of 180 Direct and others. Nothing contained on the 180 Direct site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the 180 Direct site without the written permission of 180 Direct or such third party that may own the Trademark. Misuse of any Trademarks, or any other content, displayed on the 180 Direct site is prohibited. 180 Direct reserves the right to enforce its intellectual property rights through civil and criminal proceedings.
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Submissions
Apart from your personal information (which is addressed in the Privacy Policy), any and all communications or materials you send to the 180 Direct site, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions, are and will be treated as non-confidential and non-proprietary. Anything you send to the 180 Direct site may be used by 180 Direct for any purpose including but not limited to reproduction, transmission, disclosure, publication, broadcast, and posting. By submitting material to 180 Direct.com, you irrevocably transfer and assign to 180 Direct, and forever waive and agree never to assert, any copyrights, "moral" rights, or other rights that you may have in such material. 180 Direct is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the 180 Direct site for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products and services. By using this site, you may submit, or 180 Direct may gather, certain limited information about you and your usage of the site. Subject to the terms of the Privacy Policy, 180 Direct is free to use such information for any purpose it deems appropriate.
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No Warranties
There is no warranty that any information or service provided or referenced by this site is either merchantable or accurate, that such information or service will fulfill any of your particular purposes or needs, or that such information or service does not infringe on any third party rights. Except for any express warranties stated on this site, if any, the information and services provided or referenced on this site are provided "as is" and with all faults, and the entire risk as to satisfactory quality, performance, accuracy and effort is with the user. While 180 Direct uses reasonable efforts to include accurate and up-to-date information on the 180 Direct site, 180 Direct makes no warranties or representations as to its accuracy. 180 Direct may periodically add, change, or improve any of the information, products, services, programs, and technology described on the 180 Direct site without notice. 180 Direct assumes no liability or responsibility for any errors or omissions in the content of the 180 Direct site. In fact, your use of the 180 Direct site is at your own risk. Neither 180 Direct nor any other party involved in creating, producing, or delivering the 180 Direct site is liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, or use of, the 180 Direct site. For example, 180 Direct assumes no responsibility for, and will not be liable for, any damages from any viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from, the 180 Direct site.
Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.
Links
180 Direct has not reviewed all of the sites which are linked to the 180 Direct site, and the existence of such links does not indicate our approval or endorsement of any material contained on any linked site. 180 Direct is not responsible for the contents of any site linked to the 180 Direct site; your connection to any such linked site is at your own risk.
Rate Quotes & Availability of Product
180 Direct operates and controls the 180 Direct site from its headquarters in Greenwood Village, Colorado. We do not in any way imply that the materials on the site or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction. By providing material on our Web site 180 Direct does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer.
The 180 Direct site is for informational purposes only. References to any of 180 Direct’s or affiliated companies’ products or services are not intended to constitute offers to sell or solicitations in connection with any product or service. Some products may not be available in all jurisdictions. Anyone interested in a particular product or service should contact the local 180 Direct district office to find out whether the service or product is available in their jurisdiction. It is up to you as a prudent reader to understand and determine on your own what you need to do in order to make informed decisions in connection with matters discussed on the 180 Direct site. With respect to insurance purchased through 180 Direct, your insurance policy, not the statements on the 180 Direct Site, form the contract between the insured and the company issuing the policy.
No Liability
The information, products, and services published on this web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. 180 Direct and/or its respective suppliers may make improvements and/or changes in the 180 Direct site at any time. 180 Direct and/or its respective suppliers make no representations about the suitability of the information, products, and services contained on this web site for any purpose. In no event shall 180 Direct and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of or in any way connected with the use of the 180 Direct site or with the delay or inability to use the 180 Direct site, or for any information, products, and services obtained through the 180 Direct site, or otherwise arising out of the use of this web site, whether based on contract, tort, strict liability, or otherwise, even if 180 Direct or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.
Miscellaneous
The Terms will be governed by and construed under the laws of the State of Colorado, excluding only its conflict of law provisions. Each party to the 180 Direct site Terms hereby submits to the exclusive jurisdiction and venue of the courts within the City of Greenwood Village, County of Arapahoe, State of Colorado, U.S.A. and waives any jurisdictional venue or inconvenient forum objections to such courts. Use of the 180 Direct site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. Any failure by 180 Direct to enforce any of its rights under the Terms or applicable laws shall not constitute a waiver of such right. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, you, 180 Direct, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining Terms provisions shall retain their full force and effect. You agree that no joint venture, partnership, employment, or agency relationship exists between you and 180 Direct as a result of this agreement or use of the 180 Direct site. 180 Direct’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of 180 Direct’s right to comply with law enforcement requests or requirements relating to your use of the 180 Direct site or information provided to or gathered by 180 Direct with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. This agreement constitutes the entire agreement between the user and 180 Direct with respect to this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and 180 Direct with respect to this Web site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Any rights not expressly granted herein are reserved. Please also read over the 180 Direct site Privacy Policy.