TERMS OF USE

The website at Agents.RatingDynamics.com (the "Site") is owned and operated by Rating Dynamics, LLC (hereinafter, "Rating Dynamics", "Company" or "we," "our," or "us"). The following Terms of Use apply.

USE OF COPYRIGHTED MATERIALS, TRADEMARKS AND LOGOS

The Site and its contents are protected by copyright, trademark, and other intellectual property laws. All rights reserved. The Site is provided by Rating Dynamics as a service to its customers and other interested parties and may be used for informational purposes only. You may not modify copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, or other content obtained from the Site without the prior written authorization of Rating Dynamics. Rating Dynamics strictly prohibits the use, reproduction, copying, or redistribution of any Rating Dynamics logos, trademarks, and other branding without prior written permission from Rating Dynamics.

LINKS TO NON-RATING DYNAMICS SITES

The Site may contain links to third-party, non-Rating Dynamics websites. Rating Dynamics makes no representations whatsoever about any other website accessed through this one. All non-Rating Dynamics websites are independent from Rating Dynamics, and Rating Dynamics has no control over the content of them. Rating Dynamics provides such links as a convenience to visitors to the Rating Dynamics website. The inclusion of such third-party links does not constitute an endorsement of the site or sites by Rating Dynamics, or acceptance by Rating Dynamics of any responsibility for its content or use. The user is responsible to take precautions to ensure that whatever is selected is free of such items as viruses, worms, and other items of destructive nature.

SCOPE OF OFFERINGS

Rating Dynamics may periodically make improvements, add, change, and/or update the information and documents on the Site without notice. Rating Dynamics assumes no liability or responsibility whatsoever for any errors or omissions, including technical inaccuracies and typographical errors, in the content of the Site. Information Rating Dynamics publishes on its website may contain references or cross references to certain Rating Dynamics products, programs, or services that are unannounced or not available in certain states or outside the U.S. Such references do not imply that Rating Dynamics intends to announce or make available such products, programs, or services in any other state or country.

GOVERNING LAW AND VENUE

The Site (excluding linked sites) is controlled by Rating Dynamics from its corporate offices in Tallahassee, Florida, the United States of America. It can be accessed from all 50 states, as well as from other countries around the world. As each of these places have laws that may differ from those of Florida, by accessing the Site both you and Rating Dynamics agree that the statutes and laws of Florida, without regard to the conflicts of laws principles thereof, will apply to all matters relating to use of the Site. Any action, suit, or other legal proceeding that is commenced to resolve any matter arising under or relating to any provision of this agreement or use of the Site shall be commenced only in a court of Florida (or, if appropriate, a federal court located within Florida) and you and Rating Dynamics each consent to the jurisdiction of such a court. Rating Dynamics makes no representation that materials on the website are appropriate or available for use in other locations and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with local laws.

ADDITIONAL TERMS AND CONDITIONS

Visitors to the Site may be required to agree to written or electronic agreements, including privacy policies, non-disclosure agreements, license agreements, terms of use, and other terms and conditions, as a condition of visiting the website or receiving products, services, and other information from Rating Dynamics. In the event of any conflict with such other terms and conditions and these Terms of Use, such other terms and conditions shall prevail.

Certain portions of the Rating Dynamics website (the “Rating Dynamics Platform”) permit users to enter into transactions (“Transactions”). All Transactions conducted in connection with the Rating Dynamics Platform are subject to and governed by these Terms of Use as well as any descriptions of service or other terms and conditions presented on the Rating Dynamics Platform associated with your Transactions (the “Additional Terms and Conditions”). When you use the Rating Dynamics Platform in any manner you are agreeing to abide by and be subject to the applicable rules set forth in these Terms of Use along with the Additional Terms and Conditions. The Additional Terms and Conditions are subject to change without prior notice at any time, in the Company’s sole discretion, so you should review the Additional Terms and Conditions each time you use Rating Dynamics Platform. Any terms and conditions related to fees collected by Rating Dynamics applicable to the Rating Dynamics Platform are set forth in the Additional Terms and Conditions.

NO WARRANTIES/LIMITATION OF LIABILITY

THE RATING DYNAMICS WEBSITE, INCLUDING THE INFORMATION, CONTENT, RATING DYNAMICS PLATFORM, AND SERVICES MADE AVAILABLE BY THIRD PARTY SERVICE PROVIDERS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. RATING DYNAMICS DISCLAIMS ALL WARRANTIES IN CONNECTION THEREWITH, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

IN NO EVENT SHALL RATING DYNAMICS BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, INCIDENTAL DAMAGES OR SIMILAR DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUE, OR LOSS OF DATA OR ITS USE, ARISING OUT OF OR RELATING TO THE RATING DYNAMICS WEBSITE OR OTHERWISE, WHETHER IN CONTRACT OR TORT, INCLUDING NEGLIGENCE, STATUTORY OR OTHERWISE.

IN THE EVENT RATING DYNAMICS IS LIABLE FOR ANY DAMAGES ARISING IN CONNECTION WITH THE RATING DYNAMICS WEBSITE OR OTHERWISE, SUCH LIABILITY SHALL BE LIMITED TO DIRECT DAMAGES NOT TO EXCEED THE FEES ACTUALLY RECEIVED BY RATING DYNAMICS FOR THEN-CURRENT MONTH OF SERVICE. IN THE EVENT OF ANY INTERRUPTION OR IMPACT TO THE SERVICE, RATING DYNAMICS RESERVES THE RIGHT TO PROVIDE SUBSCRIBER WITH AN EQUIVALENT PERIOD OF SERVICE IN LIEU OF ANY REFUND OR OTHER REMEDY. THE FOREGOING REPRESENTS THE EXCLUSIVE REMEDIES OF SUBSCRIBER IN CONNECTION WITH THE SERVICE.

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