General

This website (the “Site”) is owned and operated by Infinite FEX d/b/a Patriot Life Coverage (“COMPANY,” “we” or “us”). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Infinite FEX. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service. We reserve the right to change these Terms of Service or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.

Intellectual Property Rights

Our Limited License to You

This Site and all the materials available on the Site are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal noncommercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us.

More specifically, unless explicitly authorized in these Terms of Service or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site.

You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Your License to Us

By posting or submitting any material (including, without limitation, comments, blog entries, Facebook postings, photos and videos) to us via the Site, internet groups, social media venues, or to any of our staff via email, text or otherwise, you are representing that:
(i) you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and
(ii) you are thirteen years of age or older.

In addition, when you submit, email, text, deliver, or post any material, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose.

You acknowledge and agree that any contributions originally created by you for us shall be deemed a “work made for hire.” As such, the copyrights in those works shall belong to Infinite FEX from their creation. Thus, Infinite FEX shall be deemed the author and exclusive owner thereof.

In the event that any of the results and proceeds of your submissions are not deemed a “work made for hire,” you hereby irrevocably assign, convey, and transfer to Infinite FEX all proprietary rights, including copyrights and trademarks throughout the universe, in perpetuity.

Any posted material which are reproductions of prior works by you shall be co-owned by us.

You acknowledge that Infinite FEX has the right but not the obligation to use and display any postings or contributions of any kind and that Infinite FEX may elect to cease the use and display of any such materials (or any portion thereof) at any time for any reason whatsoever.

Disclaimers

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through them.

THE INFORMATION, PRODUCTS, AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY Infinite FEX AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND.

To the fullest extent permissible under applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

We do not warrant that the Site or any of its functions will be uninterrupted or error-free, nor that any part of this Site is free of viruses or harmful components.

You agree to defend, indemnify, and hold harmless Infinite FEX, its affiliates, successors, transferees, assignees, licensees, and their respective agents, officers, directors, and employees from and against all claims, damages, costs, and expenses arising from your use of the Site or breach of these Terms.

Online Commerce

Certain sections of the Site may allow you to purchase different products or services online that are provided by third parties. Infinite FEX is not responsible for the quality, accuracy, or reliability of these third-party products or services.

When you make a purchase through the Site, the transaction and any data you provide may be subject to the merchant’s privacy policy. You release Infinite FEX from any claims or damages arising from your purchase of third-party products or services through the Site.

Interactive Features

Any interactive areas of the Site (such as forums, chats, or comment sections) are intended to foster discussion. Infinite FEX is not responsible for any content posted by users.

We reserve the right to remove any user or content at our sole discretion. You are solely responsible for the material you post or send.

Registration and Passwords

To access certain features, you may need to register and create a password. You agree to provide accurate information and maintain confidentiality of your login credentials. Infinite FEX is not liable for any unauthorized use of your account.

Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL Infinite FEX, ITS AFFILIATES, OR PARTNERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Infinite FEX is not an investment advisory service, financial adviser, or provider of personalized financial advice.

All materials and services are provided for educational purposes only and are not to be construed as tax, legal, or investment advice.

Termination

We may cancel or terminate your right to use the Site at any time without notice. Upon termination, you are no longer authorized to access the affected areas of the Site.

Other

This Agreement is governed by the laws of the State of California, United States.

If you believe material on the Site infringes your copyright, please contact Infinite FEX at the designated email address provided.