ClearReport.net - An insurance law service offered by Clear Market Practices, LLC. This service provides weekly reports designed for your product line(s) including Regulatory Bulletins and changes to Laws and Regulations

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Reports:

Life Insurance Laws and Regulations	Health Laws and Regulations
Property and Casualty Laws and Regulations	Securities Laws and Regulations

States:

Alabama	Alaska	American Samoa	Arizona
Arkansas	California	Colorado	Connecticut
Delaware	District of Columbia	Florida	Georgia
Hawaii	Guam	Idaho	Illinois
Indiana	Iowa	Kansas	Kentucky
Louisiana	Maine	Maryland	Massachusetts
Michigan	Minnesota	Mississippi	Missouri
Montana	Nebraska	Nevada	New Hampshire
New Jersey	New Mexico	New York	North Carolina
North Dakota	Ohio	Oklahoma	Oregon
Pennsylvania	Puerto Rico	Rhode Island	South Carolina
South Dakota	Tennessee	Texas	Utah
Vermont	Virgin Islands	Virginia	Washington
West Virginia	Wisconsin	Wyoming

PLEASE SCROLL DOWN AND READ THE SUBSCRIBER AGREEMENT BELOW.

This Subscriber Agreement governs your use of The CLEAR Field Alert, and, unless other terms and conditions expressly govern, any other electronic services from CLEAR Market Practices, LLC that may be made available from time to time  ("the Service").

If you agree to be bound by the terms of this Agreement, you should click on the "I AGREE" button at the end of this Agreement. If you do not agree to be bound by the terms of this Agreement, you should click "I DISAGREE." If you click "I DISAGREE," you will not be able to proceed with registration process for the Service and become a subscriber.

1.     Changes to Subscriber Agreement. We may change the terms of this Agreement at any time by notifying you of the change in writing or electronically. The changes also will appear in this document, which you can access at any time by going to the Help section. You should check this Agreement periodically for changes.  By using this Website or our Fee-Based Products after we post any changes to this Agreement or otherwise notify you of such changes, you agree to accept those changes, whether or not you have reviewed them.

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3.     Fees and Payments. You can always find the current subscription fees for the Service in the Help section.  Each time you use the Service you reaffirm your agreement that we may charge your credit card (or other form of payment, if applicable). You agree to pay the annual subscription fees and any other charges incurred in connection with your user name and password for the Service (including any applicable taxes) at the rates in effect when the charges were incurred. You are required to pay the annual subscription fees by requesting that we bill all charges automatically to your credit card or by sending us a check or money order. Subscription fees will be billed at the beginning of your subscription or any renewal. All fees and charges are nonrefundable. We may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance. If you want to use a different credit card or there is a change in credit card validity or expiration date, or if you believe someone has accessed the Service using your user name and password without your authorization, you must contact us, at info@clearreport.net or using the contact information provided at the link at the bottom of this page. In the event we cannot charge your account, we reserve the right to terminate your access to our Fee-Based Products.  In addition to the fees and charges, you are responsible for all charges and fees associated with connecting to our Website, including without limitation all telephone access lines (including long-distance charges, when applicable), internet service provider fees, telephone and computer equipment, sales taxes and any other fees and charges necessary to access our Website.

For purposes of your use of the Service, including identification and billing, you agree to provide us with true, accurate and complete information as required by the subscription or sign up process ("Subscription Data"), including your legal name, address, telephone number, email address and applicable billing information (e.g., credit card number and expiration date), and to allow us to share your Subscription Data with third parties for the purpose of verifying the information you provide and billing your credit card or otherwise charging your account. You agree to maintain and promptly update the Subscription Data to keep it accurate. Without limiting any other provision of this Agreement, if you provide any information that is untrue, inaccurate, or incomplete, or we have reasonable grounds to suspect that such is the case, we reserve the right to suspend or terminate your user account or subscription and refuse any and all current or future use by you of our Website (or any portion thereof) or any of our Fee-Based Products.

You are entirely responsible for maintaining the confidentiality of your password and user account information. You must notify us immediately in the event of any known or suspected unauthorized use of your user account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your or anyone else.s password or credit card information. In the event of a breach of security by you, you will remain liable for any unauthorized use of your subscription until you update your Subscription Data.

4.     Renewal. Your subscription will renew automatically, unless we terminate it or you notify us by telephone or e-mail of your decision to terminate your subscription. You must cancel your subscription before it renews in order to avoid billing of subscription fees for the renewal term to your credit card.

5.     Limitations on Use. 
Unless otherwise specified, we grant you a non-exclusive, non-transferable, limited right to access, use and display this Website and the material provided hereon, and the Fee-Based Products that you subscribed to, for your personal use provided that you comply fully with the provisions of this Agreement.  
The content available through the Service is our property or the property of our licensors and is protected by copyright and other intellectual property laws. You may display or print the content available through the Service for your personal, non-commercial use only. 
You agree not to sell, publish, distribute, retransmit or otherwise provide access to the content received through the Service to anyone outside of your organization.  The term  .Organization. is   limited to the business entity (i.e., corporation, limited liability company, or partnership) that employs you or yourself if you are self-employed.  
You agree not to create abstracts from, scrape or display our content for use on another web site or service. You agree not to post any content from the Service to newsgroups, mail lists or electronic bulletin boards, without our written consent.  To request consent for this and other matters, please contact us at info@clearreport.net . 
You agree not to use the Service for any unlawful purpose. We reserve the right to terminate or restrict your access to the Service if, in our opinion, your use of the Service may violate any laws, infringe upon another person's rights or violate the terms of this Agreement. Also, we may refuse to grant you a user name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive.

6.     Third Party Web Sites, Services and Software. We may link to, or promote, web sites or services from other companies on a Service or offer you the ability to download software from other companies. You agree that we are not responsible for, and do not control, those web sites, services and software.

7.     DISCLAIMERS OF WARRANTIES AND LIMITATIONS ON LIABILITY. YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE SERVICE AND THE CONTENT AVAILABLE THROUGH THE SERVICES IS ON AN "AS-IS", "AS AVAILABLE" BASIS AND WE SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER CLEAR MARKET PRACTICES, LLC (.CMP.), ANY OF ITS AFFILIATES, NOR ANY OF ITS  RESPECTIVE LICENSORS, LICENSEES, SERVICE PROVIDERS OR SUPPLIERS WARRANT THAT THIS WEBSITE OR ANY FUNCTION CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVERS THAT MAKE THIS WEBSITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. 
We do not give legal advice or advocate any actions required to obtain compliance with the law. You should always seek the assistance of a professional for legal advice or for clarification of any law and its applicability to you. 
CMP AND ITS, AFFILIATES, UNITHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES AND LICENSORS ("CMP") WILL NOT BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY OTHER PERSON AS A RESULT OF YOUR ACCESS OR USE OF THE SERVICE FOR INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, REGULATORY FINES, LOST PROFITS, LOST SAVINGS AND LOST REVENUES (COLLECTIVELY, THE "EXCLUDED DAMAGES"), WHETHER OR NOT CHARACTERIZED IN NEGLIGENCE, TORT, CONTRACT, OR OTHER THEORY OF LIABILITY, EVEN IF ANY OF CMP HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN ANY OF THE EXCLUDED DAMAGES, AND IRRESPECTIVE OF ANY FAILURE OF AN ESSENTIAL PURPOSE OF A LIMITED REMEDY. IF ANY APPLICABLE AUTHORITY HOLDS ANY PORTION OF THIS SECTION TO BE UNENFORCEABLE, THEN CMP.S LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW.

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9. General. 
This Agreement contains the final and entire agreement between us regarding your use of the Service and supersedes all previous and contemporaneous oral or written agreements regarding your use of the Service. We may discontinue or change the Service, or their availability to you, at any time. 
This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone. No third party is a beneficiary of this Agreement.   However, we may assign our rights and obligations under this Agreement. This Agreement will inure to the benefit of our successors, assigns and licensees.
You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of Missouri, United States of America applicable to contracts made entirely within Missouri and wholly performed in Missouri, without regard to any conflict or choice of law principles. The sole jurisdiction and venue for any litigation arising out of this Agreement will be an appropriate federal or state court located in Missouri.  
In any action against us arising from the use of this Website, the prevailing party shall be entitled to recover all legal expenses incurred in connection with the action, including but not limited to its costs, both taxable and non-taxable, and reasonable attorney's fees.  
If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. 
This Agreement is the entire agreement between you and us relating to the subject matter herein.  This Agreement may be modified only by our posting of changes to this Agreement on this Website, or by written agreement of both parties. Each time you access this Website, you will be deemed to have accepted any such changes.   
This Agreement will inure to the benefit of our successors, assigns and licensees. 
The failure of either party to insist upon or enforce the strict performance of the other party with respect to any provision of this Agreement, or to exercise any right under this Agreement, will not be construed as a waiver or relinquishment to any extent of such party's right to assert or rely upon any such provision or right in that or any other instance; rather, the same will be and remain in full force and effect.

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