Terms And Conditions

Houston Life Insurance Pro Terms of Use

Last Updated: November 28, 2021

This website (the “houstonlifeinsurance.pro”) and mobile application (the “Mobile App” and, together with the Site, the “Platform”) are created, controlled and published by Houston Life Insurance Pro Company and its affiliates (collectively, “Houston Life Insurance Pro”). This Terms of Use Agreement (the "Agreement") governs your use of the Platform, all related programs, and services (collectively, the "Services") for your own personal use and noncommercial use only. This Agreement sets forth Houston Life Insurance Pro Life’s policies with respect to its operation of the Services. 

BY USING THE SERVICES, YOU ARE REPRESENTING AND WARRANTING THAT: (A) YOU ARE A LEGAL RESIDENT OF THE UNITED STATES; (B) YOU ARE EITHER (I) AT OR ABOVE THE LEGAL AGE OF MAJORITY IN YOUR JURISDICTION OF RESIDENCE; (C) YOU OWN OR HAVE SUFFICIENT AUTHORIZATION TO USE THE COMPUTER, MOBILE DEVICE, TECHNOLOGY OR OTHER DEVICE YOU USE TO ACCESS THE SERVICES (COLLECTIVELY, “DEVICE”); AND (D) YOU WILL ACCESS AND USE THE SERVICES IN ACCORDANCE WITH THIS AGREEMENT.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE SERVICES. YOUR USE OF ANY PART OF THE SERVICES CONSTITUTES YOUR ACCEPTANCE TO BE BOUND BY THIS AGREEMENT. IF AT ANY TIME YOU DO NOT ACCEPT ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU MUST IMMEDIATELY DISCONTINUE USE OF THE SERVICES.

Certain programs or features offered by the Services, and certain areas within this and/or other Services may be governed by additional terms (“Additional Terms”) presented in conjunction with those products or services. You must agree to those Additional Terms before using those programs, services or areas. The Additional Terms and this Agreement, taken together, shall apply to your use of those areas or the Services. If there is an inconsistency between the Additional Terms and this Agreement, the Additional Terms shall control.

Quick guide to contents

1. PRIVACY AND PROTECTION OF PERSONAL INFORMATION
2. ACCOUNTS, CANCELLATION
3. DISCLAIMER OF WARRANTIES
4. LIMITATIONS ON LIABILITY
5. INDEMNIFICATION
6. MODIFICATION/TERMINATION OF THE SERVICES
7. SOFTWARE AND DOWNLOADS AVAILABLE THROUGH THE SERVICES
8. USER CODE OF CONDUCT
9. INTERACTIVE SERVICES AND USER MATERIALS
10. REFERRAL PROGRAMS
11. VOTING/RATING FEATURES
12. MOBILE DEVICES
13. PREMIUM SERVICES
14. INTERNATIONAL USE/U.S. EXPORT CONTROLS
15. GENERAL
16. INTELLECTUAL PROPERTY NOTICES
17. CHANGES TO THIS AGREEMENT

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1. PRIVACY AND PROTECTION OF PERSONAL INFORMATION

By using any part of the Services, you agree to the terms of the Houston Life Insurance Pro Privacy Policy. To learn more, please review the Houston Life Insurance Pro Privacy Policy.
2. ACCOUNTS, CANCELLATION

The registration process on the Site or through the Mobile App requires you to submit complete and accurate information as requested by the process. You must keep your registration data complete, accurate, and current and any loss caused by your failure to do so is your responsibility. When you complete the registration process, you may be asked to choose a user name, password, and a user name. It is your responsibility to keep your password and account confidential. Houston Life Insurance Pro is not liable for any loss that you may incur as a result of someone else using your account. Please notify Houston Life Insurance Pro immediately if someone else uses your account without your permission. In addition to suspending or terminating your account, we may suspend or terminate your access to the Services if we determine in our sole discretion that your account is being used fraudulently or in violation of the Agreement, in whole or in part.

Click here to send us an email to cancel your account or subscription to the Services at any time.

3. DISCLAIMER OF WARRANTIES

YOUR USE OF, AND RELIANCE ON, ANY ADVICE OR INFORMATION OBTAINED FROM OR THROUGH THE SERVICES IS AT YOUR OWN RISK. ALL CONTENT, INCLUDING SOFTWARE, PRODUCTS AND SERVICES, CONTAINED WITHIN OR AVAILABLE THROUGH THE SERVICES ARE PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” BASIS. HOUSTON LIFE INSURANCE PRO AFFILIATES, DISTRIBUTORS, SUPPLIERS, LICENSORS, AGENTS OR OTHERS INVOLVED IN CREATING, SPONSORING, PROMOTING, OR OTHERWISE MAKING AVAILABLE THE SERVICES, INCLUDING THE SITE AND ITS CONTENTS (THE “HOUSTON LIFE INSURANCE PRO PARTIES”) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES OR THE INFORMATION, CONTENT OR MATERIALS PROVIDED IN CONNECTION WITH THE SERVICES. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE HOUSTON LIFE INSURANCE PRO PARTIES DISCLAIM ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, INFORMATIONAL CONTENT, TITLE, OR NON-INFRINGEMENT OF THE RIGHTS OF THIRD PARTIES. HOUSTON LIFE INSURANCE PRO LIFE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS THAT THE SERVICES WILL OPERATE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES AND/OR ITS SERVER WILL BE FREE OF VIRUSES AND/OR OTHER HARMFUL COMPONENTS. THE HOUSTON LIFE INSURANCE PRO LIFE PARTIES DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING SUITABILITY, AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT OR MATERIAL OF ANY KIND CONTAINED WITHIN THE SERVICES FOR ANY PURPOSE.

HOUSTON LIFE INSURANCE PRO IS NOT RESPONSIBLE FOR ANY FAILURE TO ACCESS OR USE THE SERVICES OR FOR FAILURES CAUSED BY SERVER ERRORS, MISDIRECTED OR REDIRECTED TRANSMISSIONS, FAILED INTERNET CONNECTIONS, LOST, INTERRUPTED, OR UNAVAILABLE CONNECTIONS OF ANY KIND, MISCOMMUNICATIONS OR FAILED TRANSMISSIONS OF DATA, OR ANY COMPUTER VIRUS OR OTHER TECHNICAL DEFECT OR ERROR RELATING TO THE SERVICES.

Exceptions
HOUSTON LIFE INSURANCE PRO'S LIABILITY MAY BE LIMITED IN SUCH JURISDICTIONS, WHAT SOEVER THE DISCLAIMER, EXCLUSION, OR LIMITATION OF DAMAGES MAY BE.

4. LIMITATIONS ON LIABILITY

Houston Life Insurance Pro Parties are not liable to anyone for any direct, indirect, incidental, special, compensatory, consequential, or punitive damages or any other damages: (i) Profit, data, or other intangible losses related to goodwill, business interruption, or data loss; (ii) Services that you are unable to use, are used unauthorized, are performed poorly, or are not performed at all; (iii) Information or transmissions that are unauthorized or tampered with; (iv) If the Services are not provided or if they are not provided as promised; (v) errors or inaccuracies found in the Services or in material or content obtained through the Services; (vi) any transactions entered into through the Services, (vii) vii) any property damage, including damage to your device or computer system caused by viruses or other harmful components during or as a result of accessing or using the Services, including any site to which the Services link.;  (viii) damages otherwise arising out of your use of or access to the Services, or the content of any site or sites linked to from the Services. Houston Life Insurance Pro limits its liability regardless of the type of action taken, whether it be contractual, tortuous, negligent, or strictly liable, and even if they have been advised of the possibility of damages.. In no event shall Houston Life Insurance Pro’s liability exceed the total amount paid by you to Houston Life Insurance Pro, if any, for accessing the Services.

5. INDEMNIFICATION

In the event you violate any provision of this Agreement, you are required to defend, indemnify and hold harmless Houston Life Insurance Pro Parties from and against any and all claims, actions, liabilities, costs and expenses, including, without limitation, reasonable attorneys' fees, the Additional Terms, or any warranty you provide herein, or otherwise arising in any way out of your use of the Services and/or any software. Houston Life Insurance Pro advises you to cooperate fully with it in asserting any defenses available to it in connection with a claim for indemnification under this Agreement.

MODIFICATION/TERMINATION OF THE SERVICES

Houston Life Insurance Pro may, in its sole discretion, modify, suspend, or terminate the Services and/or any portion thereof at any time for any reason with or without notice to you.

If your account is cancelled or terminated, you will no longer be authorized to use the Services, but you will still be bound by your obligations under this Agreement and any Additional Terms, including the warranties made by you, and by the disclaimers and limitations of liability. Houston Life Insurance Pro shall not be liable to you or any third party for any modification, suspension or termination of the Services or your access to the Services.

Except where otherwise provided, the Services are currently available without charge. Houston Life Insurance Pro reserves the right to charge a fee for access to or use of the Services, including the Site, the Mobile App and any other services available through the Services, at any time in the future, and Houston Life Insurance Pro will notify you before it does so. Your access to or use of the Services before such time does not entitle you to access or use without charge in the future.

6. SOFTWARE AND DOWNLOADS AVAILABLE THROUGH THE SERVICES

Houston Life Insurance Pro owns or controls all copyrights for the software provided on or through the Services, including all mobile applications, podcasts, audio or video streams, podcasts, and downloadable software (collectively, "Software") and is protected by copyright laws and international treaty provisions. Houston Life Insurance Pro will not be liable for any Software owned or controlled by third parties. Your use of the Software is limited to personal, non-commercial use, and is governed by the end user license agreement, if any, accompanying the Software.

7. USER CODE OF CONDUCT

The Services are for your personal and non-commercial use only. In accessing and using the Services, you agree that you will not:

  • Deliver advertisements, promotional materials, junk mail, bulk e-mail (also called "spam"), chain letters, polls, surveys, or pyramid schemes that are not authorized (unless it is on a page that explicitly states that such postings are allowed on that page).

  • Postings that advocate unlawful activity will be removed from or removed from the Services.

  • Deliver, or provide links to, any postings containing material that

    • could be considered harmful, obscene, pornographic, indecent, lewd, violent, abusive, profane, insulting, threatening, harassing, hateful or objectionable

    • harasses, victimizes, degrades, or intimidates an individual or group of individuals on the basis of religion, race, ethnicity, sexual orientation, gender, age, or disability

    • is defamatory, false or libelous

    • Infringes or violates any intellectual property or other right of any entity or person.

  • Posting or delivering any content you are not authorized for under law or contractual or fiduciary relationships.

  • Induce deception or fraud by impersonating someone else or misrepresenting your affiliation with someone or something, or by adopting a false identity.

  • Falsify headers to conceal the origin of anything you post, including manipulating identifiers.

  • Sending someone's personal information such as phone number, address, account numbers, address or employer reference.

  • By using this service in a way that damages, overloads, or interferes with the Services or any other user's Devices, or which damages, disrupts, limits or hinders functionalities of any software, hardware, or telecommunications equipment.

  • Hacking, password mining, or any other illegal method used to gain unauthorized access to the Services, any related website, or any other accounts, computer systems, or networks that are directly or indirectly connected to the Services.

  • The illegal use of the Service is to obtain or attempt to obtain any materials or information by any means not intentionally made available through it, such as by collecting information about others via their email addresses.

    8. INTERACTIVE SERVICES AND USER MATERIALS

Interactive Services

The Services may offer certain services having interactive components such as bulletin boards, chat rooms, blogs, and forums (collectively, “Interactive Services”). The Interactive Services may be covered by Additional Terms, which appear on the pages where these services are available, in addition to the general terms provided below. The selection of available Interactive Services may change from time to time in Houston Life Insurance Pro’s sole discretion.

User Materials

You and other users may provide information or other materials through the Services by Houston Life Insurance Pro. Houston Life Insurance Pro is not responsible for the information or other materials you or other users provide through the Services, including personal data or feedback such as questions, comments, and suggestions regarding the Services (collectively, “User Materials”). Houston Life Insurance Pro is not obligated to and does not regularly review, prescreen, monitor, delete, or edit User Materials. As a result of the foregoing, Houston Life Insurance Pro reserves the right to reject, delete, move or edit any User Materials, in whole or in part, at any time, at its sole discretion. If Houston Life Insurance Pro is advised of the possibility of damage caused by User Materials, it will not be liable for such damages regardless of the reason for the damage.

You are solely liable for all User Materials delivered to the Services using your account. Violations of these provisions may result in an immediate termination of your account and further legal action. You represent and warrant that all rights to the User Materials belong to you, and that Houston Life Insurance Pro may post and use the User Materials in accordance with these Terms.

By providing or modifying any User Material, you are granting Houston Life Insurance Pro and its designees a royalty-free, fully paid, non-exclusive, irrevocable, perpetual, unrestricted, worldwide license to reproduce, publish, transmit, perform, display, sublicense, create derivative works from and use such User Material (including any ideas, concepts, know-how or techniques contained in such User Material) for any purpose whatsoever, including, without limitation, developing, manufacturing and marketing products incorporating such User Material, alone or as a part of other works in any form, media or technology now or hereafter known. No credit, approval or compensation is due to you for any such use of User Materials you may provide. We also reserve the right, but not the obligation, to use your username (and real name, image, likeness or other identifying information) in connection with broadcast, print, online or other uses or other use or publication of your User Materials. We will treat any User Material you submit as non-confidential and non-proprietary as to you, unless our Privacy Policy explicitly states otherwise.

The information and opinions expressed in User Materials are not necessarily those of Houston Life Insurance Pro or its content providers, advertisers, sponsors, affiliated or related entities, and Houston Life Insurance Pro makes no representations or warranties regarding that information or those opinions, and expressly disclaims any liability for User Materials. Houston Life Insurance Pro does not represent or guarantee the accuracy, completeness or reliability of any User Materials and has no obligation to determine whether the User Materials violate the rights of others. Houston Life Insurance Pro has no control over whether the User Materials are of a nature that you or other users might find offensive, distasteful or unacceptable. You acknowledge that any reliance on any User Materials submitted by other users will be at your own risk. You acknowledge that the Site is “public,” and in addition to the license granted to Houston Life Insurance Pro, other users will have access to your User Materials and might copy, modify or distribute them. If you are aware of any User Materials which violate this Agreement, please contact us by clicking here. Please provide as much detail as possible, including a copy of the underlying material, the location where Houston Life Insurance Pro may find it, and the reason such User Materials should be removed. Please note that filing a complaint will not guarantee its removal, and Houston Life Insurance Pro will only remove User Materials if it believes that removal is necessary. If any notice is based on an alleged copyright violation, please follow in the instructions set forth in the section entitled “Copyright Infringement.”

Other than those we specifically request, we do not accept unsolicited content or suggestions. This is to avoid any misunderstandings if your ideas are similar to those we have developed or obtained independently. However, if you submit any unsolicited content or suggestions to us, you will be deemed to have granted to us the same rights as are set out in this section with respect to User Materials. The information contained in any communication you send to Houston Life Insurance Pro, our affiliates and our licensees is your property and may be used by them without your consent, credit, notice or compensation without your consent.

9. REFERRAL PROGRAMS

The Services may allow you to spread the message about the Services, including referral programs that permit you to submit information from the Services about other persons (each, a “Referred Person”), including, without limitation, U.S.-based email addresses, wireless telephone numbers, names, street addresses and other contact information, so they may receive information and/or promotional offers concerning the Services. You should obtain the consent of the Referred Person prior to providing us with his or her contact information.

We reserve the right to limit the number of Referred Persons you can submit. We reserve the right to limit the number of communications with any particular Referred Person from time to time. A Referred Person must be of legal age of majority in his/her jurisdiction of residence, and be able to register for, or use, the Services. The contact information for a Referred Person must be valid and functioning in order for us to contact him or her about the Services. We will not be responsible for validating the contact information you provide. We may elect NOT to communicate with any Referred Person and/or e-mail address if he/she/it appears to be on any of our “do not contact” or “do not e-mail” lists. We may also reject the participation of any Referred Person if (a) the contact information provided by you is incorrect or not valid, (b) such individual has violated any provision of this Agreement, or (c) we determine in our sole discretion that the participation of such individual may be harmful to us, the Services, or any third party. We specifically disclaim any liability for such rejection.

We may send you a confirmation to inform you that the Referred Person has registered for an account. If you engage in improper behavior with respect to a referral program, as we determine in our sole discretion, we may discontinue providing the Services to you. We may also offer incentives or rewards in connection with a referral program, and any such incentives or rewards shall be subject to any Additional Terms which are deemed incorporated into, and subject to, this Agreement. We may suspend or terminate any and all referral programs without notice, reason or liability.

10. VOTING/RATING FEATURES

For any voting/rating features that are available through the Services, you must follow all instructions and limitations provided via the Services to submit your votes/ratings. Votes/ratings received from you in excess of any stated limitation will be disqualified. Payment or other consideration in exchange for votes/ratings is prohibited. Votes/ratings generated by script, macro or other automated means or any other means intended to impact the integrity of the voting/rating process as determined by us may be void. Houston Life Insurance Pro is not liable for incorrect/inaccurate voting/rating information or for any error, omission, interruption, deletion or delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, votes/ratings. We may modify, terminate, or suspend the voting/rating or void any vote/rating should a virus, bug, non-authorized human intervention, action of voter/rater, or other cause impair the administration, security, or fairness of the voting/rating. We may disqualify any individual we find to be violating these terms, tampering with the voting/rating process, or acting in an unsportsmanlike or improper manner and void all associated votes/ratings. Our decisions with respect to all aspects of any voting/rating element are final and binding.

11. MOBILE DEVICES

Through use of the Services, you may be able to: (a) upload content to the Site via your mobile Device, (b) receive and reply to messages, or to access or make posts using text messaging, (c) browse the Site from your mobile Device and/or (d) access certain features you have downloaded and installed on your mobile Device (collectively the “Mobile Services”). In order to do so, you must have a mobile communications subscription with a participating carrier (or have the consent of the applicable subscriber) or have access to a mobile communications network. You are solely responsible for paying any service fees associated with any such access (including text messaging and data charges for each text message and any data you send and receive on your mobile Device, as applicable). You must provide all equipment and software necessary to connect to the Services, including, but not limited to, a mobile Device that is in working order and suitable for use in connection with the Services. You must ensure that your Device and/or software does not disturb or interfere with the Services, including the Site’s operations. Any equipment or software causing interference will be immediately disconnected from the Services, and Houston Life Insurance Pro may immediately suspend or terminate your further use of the Services. If any upgrade to the Services requires changes in your equipment or software, you must make these changes at your own expense. Unless explicitly stated otherwise, any additional features that augment or enhance the current Services will be subject to the terms and conditions of this Agreement. You agree to comply with any applicable laws in your use of the Services.

12. PREMIUM SERVICES

If you wish to use some of the Services on this Site, you may be required to pay a fee (a "Houston Life Insurance Pro Premium Service"). In addition to the terms below, you will also be subject to the charges and rules included in the Additional Terms for the Houston Life Insurance Pro Premium Service. Please complete the appropriate registration form to sign up for the Houston Life Insurance Pro Premium Service.

Member Account and Password
If you choose a membership name and password when registering for your account, you are responsible for those information. A Houston Life Insurance Pro premium service will ask you for information if it doesn't recognize your device from a previous sign-in. The responsibility for maintaining the confidentiality of your password is yours. If a password is established, you are entirely responsible for all activities under your account, and you agree to notify us immediately if your account is hacked.

Charges for Premium Service

Any charges, or extra charges, will be disclosed before you register for or enter a premium area. We are not liable for any losses that you may incur due to someone using your password or account, whether with or without your knowledge.

By registering for Houston Life Insurance Pro Premium Service and by providing us with your credit card information, you authorize us to charge your credit card account. You warrant to us that the credit card information that you supply to us is true and accurate.

Limited to Personal and Non-Commercial Use

Any Houston Life Insurance Pro Premium Service is for your personal and non-commercial use only. Houston Life Insurance Pro Premium Services may not be modified, copied, distributed, transmitted, displayed, performed, reproduced, published, licensed, created derivative works of, transferred or sold without our prior written consent.

Cancellation
By contacting us at any time using the information provided on this premium service, you can cancel your membership in this premium service at any time.

Any portion of this premium service or access to any part thereof may be terminated at any time, without notice by us.

Service Contact
For customer service requests, please email the customer service information provided on the home page of the applicable Houston Life Insurance Pro Premium Service.

13. INTERNATIONAL USE/U.S. EXPORT CONTROLS

Accessing materials through the Services by certain persons in certain countries may not be lawful, and Houston Life Insurance Pro makes no representation that materials provided through the Services are appropriate or available for use in locations outside the United States. If you choose to access the Services from outside the United States, you do so at your own risk.

The United States controls the export of any software downloadable from the Services. No software or any other materials associated with the Services may be downloaded, exported or re-exported to countries or persons prohibited under export control laws, or to anyone on the U.S. Treasury Department list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department’s Table of Deny Orders. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any such materials. By using and/or downloading any such materials from the Services, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country to which such import, export, or re-export is prohibited or are not a person or entity to which such export is prohibited.

14. GENERAL

This Agreement and any Additional Terms shall be governed by, construed and enforced in accordance with the laws of the State of Texas, as it is applied to agreements entered into and to be performed entirely within such state, without regard to conflict of law principles. You agree that any all disputes, claims and causes of action relating to this Agreement, the Additional Terms, the Services, and/or the Privacy Policy, shall be resolved individually, without resort to any form of class action, exclusively by confidential arbitration in Houston, Texas, before a single arbitrator pursuant to the then-current arbitration rules of the American Arbitration Association. Any award rendered shall be final and conclusive upon the parties and a judgment thereon may be entered in the highest court of any forum, state or federal, having jurisdiction, provided, however, that the party that commences an action to enforce, vacate or otherwise modify an arbitration award shall not include any confidential information in such filing unless required to do so by applicable court rules and, if so required, shall take all reasonable actions to prevent the disclosure of such confidential information, including but not limited to moving for permission to make its initial filing under seal or filing a redacted version of its filing that omits such information. The parties to the arbitration will share equally the administrative costs of such arbitration proceedings. You agree to commence any arbitration proceeding with respect to this Agreement within one year after the claim arises. You agree that a proceeding commenced after this date is barred.

In the event that any provision of this Agreement is held invalid or unenforceable, such provision shall be deemed superseded by a valid, enforceable provision, which matches the original provision as closely as possible, and the other provisions of this Agreement shall remain unaffected and in full force and effect. If either party fails to insist on strict performance of any provision of this Agreement or if either party fails to exercise any right under it, then the provision or right shall not be construed as waived. You and Houston Life Insurance Pro are bound by this Agreement and its terms with respect to the use of the Services, unless otherwise expressly provided. Houston Life Insurance Pro's authorized representatives may modify this agreement only in writing. If your account is canceled or terminated, allrepresentations, warranties, and indemnification obligations you made or undertook will survive.

If you have any questions concerning this Agreement or the Services, please contact us by clicking here.

15. INTELLECTUAL PROPERTY NOTICES

Ownership and Use of Intellectual Property

In addition to text, photographs, graphics, video and audio material, software, logos, titles, characters, names, and button icons, Houston Life Insurance Pro and its affiliates own or license all aspects of the Services (collectively “Intellectual Property”). Patents are protected by copyright, trademark, and other U.S. laws as well as international conventions and other laws. 

If you wish to view, save, print, reproduce, and distribute any pages within the Services for your personal, non-commercial use, you must ensure (a) no pages are modified and (b) any notices regarding content ownership or usage are attached to any stored, reproduced, or distributed content. 

As noted above, we prohibit you from reproducing, downloading, using, licensing, publishing, entering into a database, displaying, editing, creating derivative works from, posting, distributing, performing publicly, reverse engineering, disassembling, selling, and transferring any Intellectual property and information contained on this site, or any other information, software or products obtained from or through the Services, in whole or in part, without the express written permission of Houston Life Insurance Pro. 

In addition, you may not advertise or promote any website that includes hyperlinks to any page outside the main webpage of the Site. Furthermore, hyperlinks to any page on the Site or any web page or material within the Services may not be included in a website or email for commercial purposes.

Copyright Infringement

Houston Life Insurance Pro adheres to the terms of the Digital Millennium Copyright Act (DMCA) and respects the intellectual property rights of third parties. You consent to the publication of your User Materials on the Site and various media channels used for the Services by submitting any User Materials through the Services, and you represent and warrant that any submitted materials do not infringe on the rights of any third party. 

In the event that Houston Life Insurance Pro discovers that material that is infringing a third party's rights has been posted, Houston Life Insurance Pro may eliminate the materials. However, Houston Life Insurance Pro is under no obligation to do so. Houston Life Insurance Pro's actions do not affect any other legal rights the company may have in the future.

Procedure for Making Claim of Copyright Infringement

The provisions of the Digital Millennium Copyright Act allow you to notify us in writing if any portion of the Intellectual Property violates the copyrights of your independent work of authorship (the “Notification”):

DMCA Designated Agent
c/o Office of the General Counsel, Head of Technology, IP, and Strategic Sourcing
51 Madison Avenue
Houston Life Insurance Pro, NY 10010
By Email: DMCA_Agent@houstonlifeinsurance.pro

To be effective under U.S. copyright law (17 U.S.C. § 512(c)), the Notification must include: 

  • Signature of the author of an exclusive right alleged to have been violated, whether physical or electronic;

  • Identification of the copyrighted work that has allegedly been infringed, or if a single notification covers multiple copies righted works on the same website, a representative list of the works found there;

  • Information reasonably sufficient to permit Houston Life Insurance Pro to locate the allegedly infringing or allegedly infringing material, so that it can be removed or accessed with a disabled account; identification of the material that is claimed to be infringing; and instructions on how to remove it or disable access to it;

  • Houston Life Insurance Pro must have reasonable contact information to allow it to correspond with the complaining party, including the complaining party's address, telephone number, and e-mail address if available.

  • According to the complaining party, the material is being used in an unauthorized manner according to the judgment of the copyright owner, the author's agent, or the law. Under penalties of perjury, the complainant states that the information in the notification is accurate.

It is important to note that the Notification process is valid only in relation to a claim of copyright infringement. Messages pertaining to other factors will not be answered

16. CHANGES TO THIS AGREEMENT

At any time, Houston Life Insurance Pro may change this Agreement and/or Additional Terms at its sole discretion. In the event that Houston Life Insurance Pro makes any material change to this Agreement, it will endeavor to provide notice on the Site or through the Mobile App, but your continued use of this the Services constitutes your consent to any changes. Please review this Agreement and/or the Additional Terms periodically for changes.