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Terms and Conditions

Terms of Use
(aka the legal stuff)

This Agreement is effective by and between The Benefit Pros, LLC. dba INS Marketing (“Licensor”) and (“Licensee”). In
consideration of the mutual covenants and promises contained herein, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereby agree
as follows:

  1. LICENSE 1.1 License Grant. Subject to the terms and conditions of this Agreement, Licensor hereby grants Licensee an irrevocable, non-exclusive, non-transferable license to utilize the information and materials provided by Licensor via Licensor’s website (“Licensed Materials”).
    1.2 Authorized Users. The term “Authorized Users” shall mean Licensee and an individual employed or contracted by the Licensee and authorized to access and use the Licensed Materials. Licensee may include up to and no more than 5 Authorized Users utilizing the service concurrently.
    1.3 License Restrictions. Licensee shall ensure that the Authorized Users do not: (i) reproduce, modify or create derivative works of the Licensed Materials; (ii) download or attempt to download the Licensed Materials, or reverse engineer, decompile or otherwise make accessible to unauthorized parties or determine the source code of the Licensed Materials; (iii) remove, modify, or obscure any copyright notices or other proprietary legends of the Licensed Materials; (iv) run data mining/crawling programs or macros against the Licensed materials; (v) transfer, lease, lend, sublicense, resell, grant a security interest in or otherwise distribute or allow any third party (except for the “Authorized Users”) access to all or any portion of the Licensed Materials; or (vi) use Licensed Materials to send excessive, deceptive, or unlawful emails, text messages, or voicemail, or make unlawful phone calls.
    1.4 Audit. Licensee hereby grants Licensor the right to conduct such audits of Licensee’s use of the Licensed Materials as are necessary to ensure compliance with the terms of this Agreement.
    1.5 Suspension of Service. Licensor may suspend Licensee access to the Licensed Materials if (i) Licensee is in breach of this Agreement; (ii) Licensee is delinquent in paying its license Fee. Licensor shall not be liable to Licensee or to any third party for any suspension of access described in this Section.
  2. FEES 2.1 Fees. As a condition of Licensee’s access to and use of the Licensed Materials, Licensee agrees to pay all applicable fees as described on Licensor’s website (“Fees”). All Fees are non-refundable.
    2.2 Modifications. Licensor reserves the right to change the Fees from time to time, provided that,no change in the Fees will be effective as to purchases accepted by Licensor prior to the effective date of such change.
  3. PROPRIETARY RIGHTS 3.1 Retention of Rights. Except for the limited license expressly granted herein, Licensor expressly reserves all right, title and interest in and to the Licensed Materials, and all processing, analytics, and other software and technology used by Licensor in the provision of the Licensed Materials, including, without limitation, any derivative, improvement, or extension of the Licensor Materials conceived, reduced to practice or otherwise developed on or on behalf of Licensor, all of which are valuable assets of Licensor, and any copyright, patent or trademark or other intellectual property right, or federal or state right, pertaining thereto.
    3.2 Non-disclosure. Except as otherwise specifically permitted hereunder, Licensee and its Authorized Users shall use their best efforts to keep the Licensed Materials confidential and shall not disclose the Licensed Materials or any other proprietary information of Licensor to any third party without the prior written consent of Licensor.
  4. INDEMNIFICATION Licensee agrees to indemnify, hold harmless and defend Licensor against any and all third party claims, actions, proceedings, and suits brought against Licensor or any of its officers, directors, employees, agents or affiliates, and all related liabilities, damages, settlements, penalties, fines, costs or expenses (including, without limitation, attorneys’ fees) incurred by Licensor or any of its officers, directors, employees, agents or affiliates, arising out of or relating to: (i) Licensee’s breach of any term or condition of this Agreement; or (ii) Licensee’s or its agents’ use of the Licensed Materials. In such a case, Licensor will provide Licensee with written notice of such claim, suit or action. Licensor reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by Licensee.
  5. DISCLAIMERS 5.1 Information Provided. The Licensed Materials and other information, reports and services included in or made available to Licensee pursuant to this Agreement may include inaccuracies or typographical errors. Licensor does not represent or warrant the Licensed Materials or any other products or services provided in connection therewith will be correct, accurate, timely, or otherwise reliable. Licensor does not guarantee any results related to the use of Licensed Materials.
    5.2 General Disclaimer. LICENSEE’S USE OF THE LICENSED MATERIALS AND ANY OTHER PRODUCTS OR SERVICES IN CONNECTION THEREWITH ARE AT LICENSEE’S OWN RISK. THE LICENSED MATERIALS ARE PROVIDED “AS IS” AND THERE ARE NO WARRANTIES, CLAIMS OR REPRESENTATIONS MADE BY LICENSOR EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF QUALITY, PERFORMANCE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, NOR ARE THERE ANY WARRANTIES CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE. THE FOREGOING EXCLUSIONS AND DISCLAIMERS ARE AN ESSENTIAL PART OF THIS AGREEMENT AND FORMED THE BASIS FOR DETERMINING THE FEES CHARGED FOR THE LICENSE.
  6. LIMITATION OF LIABILITY LICENSOR’S (AND ITS EMPLOYEES’, OFFICERS’, DIRECTORS’, AGENTS’, AND AFFILIATES’) CUMULATIVE LIABILITY TO LICENSEE OR ANY OTHER PARTY FOR ANY LOSS OR DAMAGES RESULTING FROM ANY CLAIMS, DEMANDS, OR ACTIONS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE LICENSED MATERIALS SHALL NOT EXCEED THE AGGREGATE FEES PAID BY LICENSEE TO LICENSOR.
  7. TERM AND TERMINATION This Agreement shall remain in effect for as long as Licensee uses the Licensed Materials. Notwithstanding the foregoing, either party may terminate this Agreement upon notice to the other party in the event the other party breaches any of the terms of this Agreement. Upon any termination of this Agreement, (i) Licensor will cease providing the Licensed Materials; (ii) any outstanding balance payable by Licensee to Licensor will become immediately due and payable; and (iii) Licensee will not be entitled to any refunds of any Fees.
  8. COMPLIANCE Licensee agrees not to use, and ensure that its agents do not use, the Licensed Materials in any way or for any purpose that would violate, or would have the effect of violating, any pplicable laws, rules or regulations or any rights of any third parties, including, but not limited to, any law or right regarding any copyright, patent, trademark, trade secret, or other proprietary or property right, false advertising, unfair competition, defamation or invasion of privacy, or unlawful outbound communications.
  9. MISCELLANEOUS; APPLICABLE LAW AND VENUE 9.1 Miscellaneous Terms. Licensor shall be excused from performance hereunder to the extent that performance is prevented, delayed or obstructed by causes beyond its reasonable control. This Agreement represents the complete agreement between the parties, and supersedes all prior agreements and representations. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed to the extent necessary to make it enforceable to the maximum extent permissible so as to affect the intent of the parties, and the remainder of this Agreement shall continue in full force and effect. No failure by Licensor to enforce any of its rights under this Agreement will act as a waiver of such rights.
    9.2 Applicable Law / Venue. This Agreement shall be governed by and construed under the laws of the state of Madison Country, Illinos without reference to its conflict of law principles. Each party agrees to submit to the exclusive and personal jurisdiction of the courts of Madison county Illinois.

We do not and there is no guarantee of sales or leads by the use of our technology, our affiliate programs or partnerships.

Last Modified Feb 10, 2020

Hello! Welcome to INS Marketing. The following is our Terms of Use. It’s just as important that we state this
stuff plainly as it is that you give it a good honest read through. First, here are some quick term definitions
to make things crystal clear.

We’ll shorten Terms of Use to “ToU” going forward.

When the ToU says either “Ins Marketing,” “we,” “us,” or “our,” we’re referring specifically to The Benefit Pros LLC dba INS Marketing

When the ToU says “Site,” we’re referring to the Ins Marketing websites.

When you see “Service,” we’re referring to our web-based platform which allows users to quote and apply for and obtain an Insurance Policy.

Your access and use of the Site and features, products and services provided by Ins Marketing through the Site (individually and collectively,
the “Service”), is subject to the terms and conditions in this ToU. By agreeing to this ToU, including by a click-through or other agreement
or by using any aspect of the Service, you expressly acknowledge that you’ve read this ToU and agree to all of its terms and conditions.
You represent and warrant that you have the legal capacity to enter a contract in the jurisdiction where you reside.
You must agree to this ToU in order to use the Service, and if you do not accept this ToU then you may not use any aspect of the Service.
This ToU contains important language governing your use of the Service. It addresses, among other things, information about how we provide
the Service, how we or you may terminate the Service, the requirements imposed on you when managing your account and how we handle disputes
(which are handled by binding arbitration in most cases).

Please Read This Through Carefully as it is a Binding Contract.
Below is a table of contents for this ToU.
You may review particular sections liasted below.

  1. ToU Updates
  2. Provision of the Service
  3. Consent to Doing Business Electronically
  4. Termination of Service
  5. Accounts and Security
  6. Insurance Products
  7. Restrictions and Conditions of Use
  8. Links
  9. Third-Party Services
    10.Intellectual Property
    11.Privacy Policy
    12.Location
    13.Required Age
    14.Disclaimer of Warranties
    15.Limitation of Liability; Sole and Exclusive Remedy
    16.Indemnification
    17.Governing Law; Jurisdiction
    18Binding Arbitration
    19.General
  10. ToU Updates
    Ins Marketring may update this ToU at any time, and Ins Marketring will post the updated version of this ToU on the Site.
    You understand and agree that you will be deemed to have accepted the updated ToU if you use any aspect of the Service after the
    updated ToU is posted. If at any point you do not agree to any portion of this ToU then in effect, you must immediately stop using the Service.
    If Ins Marketring makes any material change to this ToU, we will make reasonable efforts to notify you of the change, such as by sending an email
    to any address you used to register for an account, through a pop-up window on the Site, or other similar mechanism. Disputes arising under this
    ToU will be resolved in accordance with the version of the ToU in place at the time the dispute arose. We encourage you to review this ToU
    frequently to stay informed of the latest modifications.
  11. Provision of the Service
    You are responsible for any Internet connection and telecommunications fees and charges that you incur when accessing the Service.
    You acknowledge and agree that Ins Marketring may make changes to any aspect of the Service at any time without notifying you in advance.
  12. Consent to Doing Business Electronically
    You agree that all communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
    You further agree to receive all communications, agreements, and notices that we provide in connection with the Service electronically, including
    by email, SMS text message (if you provide your manual consent to opt in to receive SMS text messages) to the cell phone number associated with
    your account, or by posting them on the Site or through the Service (including your application and insurance policy, if one is issued) and other
    information (“Communications”) from us. Message and data rates may apply. The products and services offered through the Site are available only
    through the Internet, so you consent to conduct business electronically. Your Consent to Doing Business Electronically applies not just to
    Ins Marketring, but also to agents agencys and affiliates, Insurance carriers thier agents, agencys and affiliates.

3.1 Scope of Consent

You agree to receive all Communications from us relating to the products and services offered through the Site electronically by email, by text
or at the Site. You further agree that we may accept an electronic signature from you, and that this electronic signature will have the same
effect as a physical wet signature and will appear on all records related to any products and services. Your consent also applies to all
Communications and information that we receive from you. Your consent is voluntary. If you consent, you still have the right to receive a
paper copy of any Communication, at no cost, by contacting us. Your consent to receive communications via SMS text message is not a condition
of purchase. You are able to continue with the insurance application process should you decline to opt in to receive communications via SMS text
message. You agree that you have the ability to access, view, store, download and print communications, documents, consents, and hyperlinks
we deliver or make available to you electronically through your computer or on your mobile device. You agree that all communications that we
provide to you electronically satisfy any legal requirement that such communications be in writing.

3.2 Withdrawing Consent

You may withdraw your consent to receive Communications electronically and to use an electronic signature at any time by contacting us.
Except as it relates to the consent to receive autodial and text messages from Ins Marketring and its affiliate companies, agents, agencys if
you withdraw your consent, you will be unable to apply for products and services through the Site, and we will be unable to continue to process
any pending applications for products and services, including insurance products. If you wish to no longer receive autodial and / or text messages
from Ins Marketring, you may text by replying the single keyword command STOP to cancel at any time.You’ll receive a one-time opt-out confirmation
text message. You may also you may press #2 to be removed from out autodialing list.

  1. Termination of Service

INS Marketing reserves the right to deny service to any person or entity at INS Marketing’s sole and absolute discretion. You acknowledge and
agree that INS Marketing may stop providing any aspect of the Service or restrict your use of the Service at any time, without notifying you in
advance, for any reason or no reason, including, without limitation, for any violation of this ToU or if INS Marketing suspects that you have used
any aspect of the Service to conduct any fraudulent or illegal activity. If INS Marketing disables your access to your account, you may be prevented
from accessing the Service, your account details or any materials contained in your account. For the avoidance of doubt, any Insurance Policy you
obtain through the Service will remain in effect pursuant to the terms of such Insurance Policy.

  1. Accounts and Security

5.1 Account

You do not need to create an account to visit the Site, but you must have an account to access and utilize certain aspects of the Service,
including without limitation those aspects that allow you to quote, apply for and obtain an Insurance Policy. You can create an account by
starting the application process. You must be at least twenty (20) years old to create an account. You may be required to provide information
about yourself and payment information as part of the application process or your continued use of the Service. You agree that any application
information that you submit to INS Marketing will be correct, accurate and up to date.

5.2 Account Security

Maintaining account security is very important. You are solely responsible for maintaining the confidentiality of your account password and for all
activities that are conducted via your account. You agree to notify INS Marketing immediately if you become aware of any unauthorized use of your
password or of your account. To better understand how we maintain the security of your personal information, please refer to our Privacy Policy.

5.3 Account Sharing or Transfers

Accounts are registered to you personally and may not be sold, traded, gifted or otherwise transferred at any time under any circumstances.
You may not share your account with, or disclose your password to, anyone else.

5.4 Cancellation by You

Subject to the terms and conditions of any applicable Insurance Policy, you have the right to cancel your account at any time.
You may cancel your account by submitting a request by email to lifetimequote@instoday.com or using a contact us form on out websites.

5.5 Termination by INS Marketing

INS Marketing may at any time terminate your account if:

  1. INS Marketing determines that you are (i) in breach of or otherwise acting inconsistently with this ToU or (ii) engaging in fraudulent or
    illegal activities or other conduct that may result in liability to INS Marketing;
  2. INS Marketing determines it is required by law to terminate your account; or
  3. INS Marketing decides to stop providing the Service or critical portions of the Service, provided that any Insurance Policy you obtain
    through the Service will remain in effect pursuant to the terms of such Insurance Policy.

5.6 Effect of Account Termination or Cancellation

If you voluntarily terminate your account, you may reactivate that account at any time by logging in to the Service through the Site and
reactivating the account. Accounts terminated by INS Marketing for any type of abuse including, without limitation, a violation of this ToU,
may not be reactivated for any reason.

  1. Insurance Products

Eligible individuals may apply for Insurance Policies through the Service. Insurance Policies are only available to persons in jurisdictions
where such Insurance Policies may legally be sold. By applying for insurance products through the Site, you (a) agree to designate us or
the licensed agent, agency of the website you used to apply as your agent of record, (b) authorize us to communicate such designation to any
insurance carrier and any other person or entity we determine should be so advised, and (c) permit us to receive any compensation that any
insurance carrier agrees to pay to us in connection with your purchase of any Insurance Policy. With respect to any Insurance Policy, if any
term or condition of this ToU differs from the terms and conditions of the Insurance Policy, the Insurance Policy’s provisions will control.
INS Marketing’s and affiliated agents and agencys Insurance Policies are underwritten and issued Insurance carriers of which INS marketing or
affiliated agents & agencys are contracted with and offered through the Service. Product information and descriptions provided through the
Service are not intended to be complete descriptions of all policy terms, exclusions and conditions. If you obtain an Insurance Policy through
the Service, please refer to your actual Insurance Policy for complete details of coverage and payment requirements. Your Insurance Policy will
contain a payment schedule that will provide information regarding your premiums. Approval of your application is not guaranteed and is subject
to acceptance by the Insurance carrier based upon its underwriting guidelines and your personal history. The Benefit Pros, LLC (d/b/a INS Markerting
in USA) is a licensed insurance agency in all states except New York, and is a third party administrator in all states where required.
Please visit our Licenses page for information on the insurance-related licenses we hold. Policies purchased on this site are administered
by The Benefit Pros, LLC. In the event we are unable to resolve any complaint you may have, you may report the complaint to the
insurance regulator in your state. Contact information for state insurance regulators in the United States may be found at www.naic.org.
INS marketing does not provide any legal, regulatory, accounting, or tax advice, and you must rely upon your own advisors before making any
financial decision.

7 Restrictions and Conditions of Use

7.1 Use of the Service

Subject to the terms and conditions of this ToU, INS Marketing hereby grants you a limited, non-exclusive, personal, non-sublicensable,
non-assignable license to use the Service solely in accordance with this ToU and any rules, restrictions or documentation set forth by
INS Marketing from time to time. INS Marketing reserves all rights not expressly granted to you. You agree not to license, create derivative
works from, transfer, sell or re-sell any information, content, materials, data or services obtained from the Service. INS marketing reserves
the right to add or remove information, content or Services from the Site at any time at its sole discretion.

7.2 Updates

You acknowledge and agree that INS Markerting may update the Service from time to time with or without notifying you, and may add or remove
features or functions to the Service at any time in its sole discretion. You acknowledge and agree that INS Marketing has no obligation to
make the Service available to you, make any subsequent versions of the Site available to you or to continue to support the Service in any way.
You acknowledge that your access to the Service may not be continuous, features may change during your use of the Service, and INS Marketing
may terminate your access to the Service or stop offering the Service at any time, provided that any Insurance Policy you obtain through the
Service will remain in effect pursuant to the terms of such Insurance Policy.

7.3 Accessing the Service

You agree not to access, or attempt to access, the Service by any means other than through the user interface provided through the Site.
You specifically agree not to access, or attempt to access, the Service through any automated means (including, without limitation, through
the use of scripts, bots, spiders or web crawlers).

7.4 No Violation of Laws

You agree that you will not, in connection with your use of the Service, violate any applicable law, ordinance, rule, regulation or treaty.
Without limiting the foregoing, you agree that you will not make available through the Service any material or information that infringes any
copyright, trademark, patent, trade secret, or other right of any party (including rights of privacy or publicity).

7.5 Use Restrictions

You may not connect to or use the Service in any way that is not expressly permitted by this ToU.

  1. Without limiting the generality of the foregoing, you agree that you will not: (i) remove any proprietary notices from the Service;
    (ii) cause, permit or authorize the modification, creation of derivative works, translation, reverse engineering, decompiling, disassembling
    or hacking of the Service; (iii) sell, assign, rent, lease, act as a service bureau, or grant rights in the Service, including, without limitation,
    through sublicense, to any other person or entity without the prior written consent of INS Marketing; or (iv) make any false, misleading or
    deceptive statement or representation regarding INS Marketing or the Service.
  2. Without limiting the generality of the foregoing, you agree that you will not: (i) institute, assist, or become involved in any type of attack
    including, without limitation, denial of service attacks, upon the Service (or any servers, systems or networks connected to the Service) or
    otherwise attempt to obstruct, disrupt or interfere with the operation of the Service or any other person’s or entity’s use of the Service
    (or any servers, systems or networks connected to the Service); (ii) attempt to gain unauthorized access to the Site, the Service, accounts
    registered to other users, or any servers, systems or networks connected to the Service; (iii) use the Service for any commercial purpose
    unless consistent with this ToU and the intended use of the same, or for the benefit of any third party, or charge any person or entity, or
    receive any compensation for, the use of the Service, unless you are specifically authorized to do so in a separate written agreement with
    INS Marketing; (iv) use the Service to develop, generate, transmit or store information that is defamatory, harmful, abusive, obscene or hateful;
    (iv) use the Service to perform any unsolicited commercial communication not permitted by applicable law; or (v) use the Service to engage in any
    activity that (A) constitutes harassment or a violation of privacy or threatens other people or groups of people; (B) is harmful to children in
    any manner; (C) constitutes phishing, pharming or impersonates any other person or entity, or steals or assumes any person’s identity (whether a
    real identity or online nickname or alias); or (D) violates any applicable law, ordinance, rule, regulation or treaty.

3.
Without limiting the generality of the foregoing, you agree that you will not use the Service for any other unlawful, prohibited, abnormal or
unusual activity as determined by INS Marketing in its sole discretion.

7.6 No Data Mining or Harmful Code

You agree that you will not (a) obtain or attempt to obtain any information from the Service including, without limitation, email addresses or
mobile phone numbers of users or other data; (b) intercept, examine or otherwise observe any proprietary communications protocol used by the
Service, whether through the use of a network analyzer, packet sniffer or other device; or (c) use any type of bot, spider, virus, clock, timer,
counter, worm, software lock, drop dead device, Trojan horse, trap door, time bomb or any other codes, instructions or third party software
that is designed to provide a means of surreptitious or unauthorized access to, or distort, delete, damage or disassemble, any aspect of the
Service.

7.7 Violation of this ToU

You acknowledge and agree that you are solely responsible, and INS Marketing has no responsibility or liability to you or any other person or
entity, for any breach by you of this ToU or for the consequences of any such breach. INS Marketing may at its option, terminate its relationship
with you, or may suspend your account immediately if it determines you are using the Service contrary to the restrictions found in this Section 7
or any other terms of this ToU.

8 Links

8.1 Links from the Service

The Service may contain links to websites operated by independent third parties. INS Marketing provides these links to other websites as a
convenience and use of these websites is at your own risk. The linked websites are not under the control of INS Marketing and INS Marketing
is not responsible for the content available on the other websites or services. Such links do not imply INS Marketing’s endorsement of information
or material on any other website and INS Marketing disclaims all liability with regard to your access to and use of such linked websites.
You understand and acknowledge that your access and use of linked websites and the services provided through these websites is governed
by the terms of service and other agreements posted on such websites.

8.2 Links to the Service

Unless otherwise set forth in a written agreement between you and INS Marketing, you must adhere to INS marketing’s linking policy as follows:
(a) the appearance, position and other aspects of any link to the Service may not be such as to damage or dilute the goodwill associated with
INS Marketing’s or its licensors’ names and trademarks; (b) the appearance, position and other attributes of the link may not create the false
appearance that your organization or entity is sponsored by, affiliated with, or associated with INS Marketing; and (c) when selected by a User,
the link to the Site must display the Site on full-screen and not within a “frame” on the linking website. INS Marketing reserves the right to
revoke its consent to the link at any time and in its sole discretion.

9 Third-Party Services
The Service includes features that operate in conjunction with certain third-party services. Your access and use of Third-Party Services is
governed by the terms of service and other agreements posted by the providers of such Third-Party Services. You understand and acknowledge that
the Service is not endorsed or certified by any of the aforementioned Third-Party Services.

10 Intellectual Property

10.1 Trademarks

The INS Marketing name and logo are trademarks and service marks of INS marketing. Unless permitted in a separate written agreement with INS Marketing,
you do not have the right to use any of INS marketing’s trademarks, service marks or logos and your unauthorized use of any of these may be a
violation of federal and state trademark laws.

10.2 Ownership

You acknowledge and agree that INS Marketing, or its licensors, owns all right, title and interest in and to the Service, including all
intellectual property, industrial property and proprietary rights recognized anywhere in the world at any time and that the Service is
protected by U.S. and international copyright laws. Further, you acknowledge that the Service may contain information that INS Marketing
has designated as confidential and you agree not to disclose such information without INS marketing’s prior written consent.

10.3 Feedback

You may choose to, or INS Marketing may invite you to, submit comments, bug reports, ideas or other feedback about the Site and the Service
(“Feedback”). By submitting Feedback, you agree that INS Marketing is free to use such Feedback at its discretion without any obligation to you.
INS Marketing may also choose to disclose Feedback to third parties. You hereby grant INS Marketing a royalty-free, perpetual, irrevocable,
transferable, sublicensable, worldwide, nonexclusive license under all rights necessary to incorporate and use your Feedback for any purpose.

11 Privacy Policy

By accepting this ToU or using any aspect of the Service, you represent that you have read and consent to our Privacy Policy in addition to this
ToU. INS marketing may revise the Privacy Policy at any time, and a link to the new versions will be posted on the Site. If at any point you do not
agree to any portion of the Privacy Policy, you must immediately stop using the Service. By using the Service, you agree to the then-current
versions of the ToU and Privacy Policy, which will be posted on the Site.

12 Location

By accepting this ToU or using any aspect of the Service, you represent that you have read and consent to our PrivacyThe Service is operated by
INS Marketing in the United States. If you choose to access the Service from a location outside of the United States, you do so on your own
initiative and you are responsible for compliance with applicable local laws. Policy in addition to this ToU. INS Marketing may revise the Privacy
Policy at any time, and a link to the new versions will be posted on the Site. If at any point you do not agree to any portion of the
Privacy Policy, you must immediately stop using the Service. By using the Service, you agree to the then-current versions of the ToU and
Privacy Policy, which will be posted on the Site.

13 Required Age

The Service is not directed toward persons under 20 years of age, and INS Markerting does not knowingly collect information from persons under the
age of 20 or allow them to create an account or access account features. If you are under the age of 20, please do not submit any personal
information about yourself to INS Marketing.

14 Disclaimer of Warranties

Please read the following provisions carefully – they contain important legal disclaimers:

14.1 You understand and agree that your use of the Service is at your sole risk and that the Service is provided on an “as is” and “as available”
basis without warranties or conditions of any kind, either express or implied.

14.2 To the maximum extent permitted by applicable law, INS Marketing expressly disclaims all warranties and conditions including, without
limitation, warranties and conditions of satisfactory quality, merchantability, fitness for a particular purpose, non-infringement, and those
arising from course of dealing or usage of trade.

14.3 Ins marketing makes no warranty as to the accuracy, completeness or reliability of any materials, information or data available through,
or the performance of, the service.

14.4 INS Marketing does not represent or warrant that (a) you will be able to access or use the service at the times or locations of your choosing;
(b) that operation of the service will be uninterrupted, timely, secure or error-free; (c) your use of the service will meet your requirements;
(d) defects in the operation of the service will be corrected; or (e) the service is free of viruses or other harmful components.

14.5 You acknowledge and agree that any material downloaded or otherwise obtained through the use of the Service is at your own risk and
that you will be solely responsible for any damage to your computer, mobile phone or other device or any loss of data resulting from downloading
or obtaining such material. Because some states or jurisdictions do not allow the disclaimer of implied warranties, the foregoing disclaimers
may not apply to you.

15 Limitation of Liability; Sole and Exclusive Remedy
Please read the following provisions carefully – they contain important limitations of INS Marketing’s liability:

15.1 To the maximum extent permitted by applicable law, INS Marketing and its affiliates, licensors and business partners (collectively, the
“related parties”) shall not be liable to you under any contract, tort (including negligence), strict liability or other legal or equitable
theory for the following:

  1. Any indirect, incidental, consequential, special or exemplary damages, including loss of profits, use, data or goodwill, arising out of or in
    any way connected with access to or use of the service, even if INS Marketing or the related parties have been advised or should have been aware
    of the possibility of any such losses or damages;
  2. The cost of procurement of substitute goods, services or technology; or
  3. The deletion of, corruption of, or failure to store any materials, information or data maintained by or through your use of the service.

15.2 Without limiting the foregoing, in no case shall the liability of INS Marketing or any of the related parties exceed one hundred dollars
($100). Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages,
in such states or jurisdictions, the liability of INS Marketing and the Related Parties shall be limited to the fullest extent permitted by law.

16 Indemnification

You agree to defend, indemnify and hold INS Marketing and the Related Parties harmless from and against any and all claims, demands, liabilities
damages and losses including, without limitation, reasonable attorneys’ fees, resulting from or arising out of (a) your use of the Service or
(b) your breach of this ToU or any other policies that INS marketing may issue for the Service from time to time. You further agree to cooperate
as required by INS Marketing in the defense of any claim. INS Marketing reserves the right to assume the exclusive defense and control of any
matter subject to indemnification by you, and you will not in any event settle any claim without the prior written consent of INS Marketing.

17 Governing Law; Jurisdiction

This ToU is governed by Illinois, without regard to conflict of laws principles. You and INS Marketing agree that, except as otherwise
provided in Section 18 below, the state and federal courts located in Madison County, Illinos will have exclusive jurisdiction of all disputes
arising out of or related to this ToU or your use of the Service and agree to submit to the personal jurisdiction and venue of these courts.
Notwithstanding the foregoing, INS marketing shall be allowed to apply for equitable remedies (including injunctions) in any jurisdiction.

18 Binding Arbitration

18.1 Arbitration Procedures

You and INS Marketing agree that, except as provided in Section 18.4 below, all disputes, controversies and claims related to this ToU
(each a “Claim”), shall be finally and exclusively resolved by binding arbitration, which may be initiated by either party by sending a
written notice requesting arbitration to the other party. Any election to arbitrate by one party shall be final and binding on the other.
The arbitration will be conducted under the Streamlined Arbitration Rules and Procedures of JAMS that are in effect at the time the arbitration
is initiated (the “JAMS Rules”) and under the terms set forth in this ToU. In the event of a conflict between the terms set forth in this
Section 18 and the JAMS Rules, the terms in this Section 18 will control and prevail.
Except as otherwise set forth in Section 18.4, you may seek any remedies available to you under federal, state or local laws in an arbitration
action. As part of the arbitration, both you and INS Marketing will have the opportunity for discovery of non-privileged information that is
relevant to the Claim. The arbitrator will provide a written statement of the arbitrator’s decision regarding the Claim, the award given and
the arbitrator’s findings and conclusions on which the arbitrator’s decision is based. The determination of whether a Claim is subject to
arbitration shall be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Except as otherwise
provided in this ToU, (a) you and INS Marketing may litigate in court to compel arbitration, stay proceedings pending arbitration, or confirm,
modify, vacate or enter judgment on the award entered by the arbitrator; and (b) the arbitrator’s decision shall be final, binding on all parties
and enforceable in any court that has jurisdiction, provided that any award may be challenged if the arbitrator fails to follow applicable law.

18.2 Location

The arbitration will take place in Madison County, Illinois, unless the parties agree to video, phone or internet connection appearances.

18.3 Limitations

You and INS Marketing agree that any arbitration shall be limited to the Claim between INS marketing and you individually. You and INS Marketing
agree that (a) there is no right or authority for any dispute to be arbitrated on a class-action basis or to utilize class action procedures;
(b) there is no right or authority for any dispute to be brought in a purported representative capacity or as a private attorney general; and
(c) no arbitration shall be joined with any other arbitration.

18.4 Exceptions to Arbitration

You and INS Marketing agree that the following Claims are not subject to the above provisions concerning negotiations and binding arbitration:
(a) any Claim seeking to enforce or protect, or concerning the validity of, any of INS Marketng’s intellectual property rights;
(b) any Claim related to, or arising from, allegations of theft, piracy, invasion of privacy or unauthorized use; and
(c) any claim for equitable relief. In addition to the foregoing, either party may assert an individual action in small claims court for Claims
that are within the scope of such court’s jurisdiction in lieu of arbitration.

18.5 Arbitration Fees

If you initiate arbitration for a Claim, you will need to pay the JAMS arbitration initiation fee. If we are initiating arbitration for a Claim,
we will pay all costs charged by JAMS for initiating the arbitration. All other fees and costs of the arbitration will be charged pursuant to
the JAMS Rules.

18.6 Severability

You and INS Marketing agree that if any portion of this Section 18 is found illegal or unenforceable (except any portion of Section18.4),
that portion shall be severed and the remainder of the section shall be given full force and effect. If Section 18.4 is found to be illegal or
unenforceable then neither you nor INS Marketing will elect to arbitrate any Claim falling within that portion of Section 18.4 found to be
illegal or unenforceable and such Claim shall be exclusively decided by a court of competent jurisdiction within the Madison County, Illinois,
United States of America, and you and INS Marketing agree to submit to the personal jurisdiction of that court.

18.7 Survival

This Section 18 shall survive any termination of your relationship with INS Marketing.

19 General

19.1 ToU Revisions

This ToU may only be revised in a writing signed by INS Marketing or published by INS Marketing on the Site.

19.2 No Partnership

You agree that no joint venture, partnership, employment, or agency relationship exists between you and INS Marketing as a result of this ToU or
your use of the Service.

19.3 Assignment

INS Marketing may assign its rights under this ToU to any person or entity without your consent. The rights granted to you under this ToU may not
be INS Marketing’s prior written consent, and any attempted unauthorized assignment by you shall be null and void.

19.4 Severability

If any part of this ToU is determined to be invalid or unenforceable, then that portion shall be severed, and the remainder of the ToU shall be
given full force and effect.

19.5 Attorneys’ Fees

In the event any litigation or arbitration is brought by either party in connection with this ToU, except as otherwise provided in Section 18.5,
the prevailing party shall be entitled to recover from the other party all the reasonable costs, attorneys’ fees and other expenses incurred by
such prevailing party in the litigation.

19.6 No Waiver

Our failure to enforce any provision of this ToU shall in no way be construed to be a present or future waiver of such provision, nor in any way
affect our right to enforce the same provision at a later time. An express waiver by INS Marketing of any provision, condition or requirement of
this ToU shall not be understood as a waiver of your obligation to comply with the same provision, condition or requirement at a later time.

19.7 Notices

All notices given by you or required under this ToU shall be in writing and sent to lifetimequote@instoday.com.

19.8 Equitable Remedies

You acknowledge and agree that INS Marketing would be irreparably damaged if the terms of this ToU were not specifically enforced, and therefore
you agree that we shall be entitled, without bond, other security, or proof of damages, to appropriate equitable remedies with respect to breaches
of this ToU, in addition to such other remedies as we may otherwise have available to us under applicable laws.

19.9 Entire Agreement

This ToU, including the documents referenced in this ToU, constitutes the entire agreement between you and INS marketing with respect to the
Service and supersedes any and all prior agreements between you and INS Marketing relating to the Service.