Terms & Conditions

Welcome to the web site of www.dbainsurancecoverage.com. This web site is best viewed using a contemporary browser. This page outlines the Terms & Conditions relating to this website and any products, services or hyper-links contained within or available from it.

We also refer you to the other Site Privacy & Cookie Policy, link to which can be found at the end of this page.

Use of this web site, and information contained and/or distributed in relation to this website, is offered to you on your acceptance of these “Terms & conditions” and our “Site Privacy & Cookie Policy” and other notices posted on this web site. Your use of this web site and any content presented in any and all areas of the web site indicates your acknowledgment and agreement to these “Terms & conditions” and our “Site Privacy & Cookie Policy” and other notices posted on this web site. If you do not agree to be bound by and comply with all of the above, you may not access or use our information, products, services, or web site.

www.dbainsurancecoverage.com shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these “Terms & conditions” and our “Site Privacy & Cookie Policy” without notice or liability to you or any persons having visited our site or purchased any of our products. Following the posting of such changes on this web site, any changes to these “Terms & conditions” and our “Site Privacy & Cookie Policy” shall be effective immediately following the posting of such changes on this web site. The most recent version of these Terms & Conditionsmay always be found at: www.dbainsurancecoverage.com

You agree to review these “Terms & Conditions” and our “Site Privacy & Cookie Policy” periodically and agree that any subsequent use by you, of this web site, following changes to these “Terms & conditions” and our “Site Privacy & Cookie Policy” shall constitute your acceptance of all such changes.

1. Access To This Site
To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete. If www.dbainsurancecoverage.com believes the information you provide is not correct, current, or complete, we have the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time, without notice.

2. Restrictions On Use
You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without www.dbainsurancecoverage.com express prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this site, or (ii) frame this site, without the express prior written permission of an authorized representative of www.dbainsurancecoverage.com For purposes of these “Terms & conditions”, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this site or content accessible within this site. You agree to cooperate with www.dbainsurancecoverage.com in causing any unauthorized co-branding or framing immediately to cease.

3. Proprietary Information
The material and content (hereinafter referred to as the “Content”) accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by Act Smart Media Ltd. is the proprietary information of Act Smart Media Ltd. or the party that provided the Content to Act Smart Media Ltd., and Act Smart Media Ltd. or the party that provided the Content to Act Smart Media Ltd. retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of Act Smart Media Ltd., or unless authorized in writing elsewhere on our site, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these “Terms & Conditions” violates Act Smart Media Ltd’s intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this site.

4. Submissions
You hereby grant to Act Smart Media Ltd. the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to Act Smart Media Ltd. through this site (together, hereinafter known as the “Submission”), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. Act Smart Media Ltd. will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Company operations.
Act Smart Media Ltd. will treat any personal information that you submit through this site in accordance with its Site Privacy & Cookie Policy as set forth on this site.

5. Testimonials
Any testimonials provided on this website, were in no way endorsed by www.dbainsurancecoverage.com and no one was paid to create them. The users who created testimonials, provided them at their own will & desire, with no financial incentive to provide them. www.dbainsurancecoverage.com is never paid to do a review and never accept money to review a product or service.

6. Trademarks
Trademarks, service marks, and logos appearing in this site are the property of Act Smart Media Ltd. or the party that provided the trademarks, service marks, and logos to Act Smart Media Ltd. Act Smart Media Ltd. and any party that provided trademarks, service marks, and logos to Act Smart Media Ltd. retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.

7. Information You Provide
You may not post, send, submit, publish, or transmit in connection with this site any material that:
• advocates illegal activity or discusses an intent to commit an illegal act;
you do not have the right to post, including proprietary material of any third party;
• violates any law or may be considered to violate any law;
• does not pertain directly to this site;
• is vulgar, obscene, pornographic, or indecent;
• threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
• seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;
• 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., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;
• solicits funds, advertisers or sponsors;
• includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications;
• disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this site;
• includes MP3 format files;
• amounts to a ‘pyramid’ or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or
• contains hyper-links to other sites that contain content that falls within the descriptions set forth above.

Although under no obligation to do so, Act Smart media Ltd. reserves the right to monitor use of this site to determine compliance with these Terms & Conditions, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither Act Smart Media Ltd. nor any third party that provides Content to Act Smart Media Ltd. will assume or have any liability for any action or inaction by Act Smart Media Ltd. or such third party with respect to any submission.

8. Security
Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). Act Smart Media Ltd. will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Act Smart Media Ltd. considers insecure, Act Smart Media Ltd. will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. 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 become involved in any violation of system security, Act Smart Media Ltd. reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. Act Smart Media Ltd. reserves the right to investigate suspected violations of these Terms of Use and Service.

Act Smart Media Ltd. reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Act Smart Media Ltd. to disclose the identity of anyone posting any e-mail messages, 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 harmless act smart media ltd. From any claims resulting from any action taken by act smart media ltd. During or as a result of its investigations and/or from any actions taken as a consequence of investigations by either act smart media ltd. Or law enforcement authorities.

9. Miscellaneous 
These Terms & Conditions will be governed and interpreted pursuant to the laws of England and Wales, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in England and Wales in connection with any dispute between you and Act Smart Media Ltd. arising out of these Terms & Conditions or pertaining to the subject matter hereof. The parties to these Terms & Conditions each agree that the exclusive venue for any dispute between the parties arising out of these Terms & Conditions or pertaining to the subject matter of these Terms & Conditions will be in a English Court. If any part of these Terms & Conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms & Conditions constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain. Act Smart Media Ltd. may revise these Terms & Conditions at any time by updating this posting.