Terms and Conditions of Use on the websites of
Sunburst Worldwide Insurance Services, www.worldwidemedicalplans.com  &
Sunburst International Risk Management (SIRM), www.internationalriskmanagement.com  

Disclaimer

Sunburst Worldwide Insurance Services and Sunburst International Risk Management, SIRM, cannot and does not guarantee or warrant that any files available for downloading from the Internet are free of viruses, worms, Trojan horses or other code that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for security, for accuracy of data input and output, and for maintaining a means external to this website for reconstructing lost data. Sunburst Worldwide Insurance Services and SIRM does not assume any responsibility or risk for your use of the Internet.

USE SUNBURST'S WEBSITES AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT SIRM , ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information in this website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this website, and SIRM does not undertake any obligation to update such information or to remove such information from this website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, SIRM , ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF SIRM ’S WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF SIRM AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO SIRM FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE.

INDEMNITY

You will indemnify and hold Sunburst Worldwide Insurance Services and SIRM, their subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of the Content other than as expressly authorized herein, and any claim that your Submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the Content and this website.

TRADEMARKS

Trademarks, service marks and logos appearing in this website (collectively, the “Marks”) are the property of Sunburst Worldwide Insurance Services and SIRM or the party that provided us the Marks, and we or such party retain all rights with respect to such respective Marks. No rights in any Marks are granted to you by this agreement or your access of this website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a “pyramid” or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this website or any networks connected to this website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

Sunburst Worldwide Insurance Services and SIRM  reserves the right to monitor use of this website in order to determine compliance with these Terms of Use, and reserves the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain responsible solely for the content of your Submissions. YOU ACKNOWLEDGE AND AGREE THAT NEITHER SIRM NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO SIRM  WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY SIRM OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS.

SIRM Newsletters
While SIRM has used reasonable efforts to ensure that the information provided by SIRM in the newsletters is accurate and up to date as at the time of issue, it reserves the right to make corrections and does not warrant that it is accurate or complete. News will change with time. SIRM hereby disclaims all liability to the maximum extent permitted by law in relation to the newsletters and does not give any warranties (including any statutory ones) in relation to the news. This is a free service and therefore you agree by receiving any newsletter(s) that this disclaimer is reasonable. Any copying, redistribution or republication of SIRM newsletter(s), or the content thereof, for commercial gain is strictly prohibited.

SECURITY

Any passwords we provide for this website are for your individual use only. You will be responsible for the security of your password. Except where otherwise notified, Sunburst Worldwide Insurance Services and SIRM  may rely upon the acts of any person or entity using your account information. SIRM may monitor your password and, at our discretion, require you to change it. If you continue to use a password that SIRM  considers insecure, we will require you to change the password or will terminate your account.

You are prohibited from using this website or any related services or facilities to compromise security or to tamper with system resources, accounts or both. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you are involved in any violation of system security, Sunburst Worldwide Insurance Services and SIRM  will release your details to system administrators at other websites in order to assist them in resolving security incidents. Sunburst Worldwide Insurance Services and SIRM  reserves the right to investigate suspected violations of these Terms of Use.

Sunburst Worldwide Insurance Services and SIRM will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any e-mail messages or Submissions, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD SIRM  HARMLESS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY SIRM DURING OR AS A RESULT OF ITS INVESTIGATIONS OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS, OR BOTH, BY EITHER Sunburst Worldwide Insurance Services and SIRM  OR LAW ENFORCEMENT AUTHORITIES.

MISCELLANEOUS

These Terms of Use are governed and interpreted by the laws of California, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Indiana in connection with any dispute between you and Sunburst Worldwide Insurance Services and SIRM arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use in the state and federal courts in Fresno, California. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of this Agreement by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. These Terms of Use constitute the entire agreement between you and Sunburst Worldwide Insurance Services and SIRM relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this website will govern the items to which they pertain. Sunburst Worldwide Insurance Services and SIRM  may revise these Terms of Use at any time by updating this posting.