All titles, characters, names, icons, HTML ad and graphics contained in or used in connection with this website are trademarks of The IQ Group, Ltd. also doing business as Insurance IQ and IQ Technology (collectively hereinafter referred to as "IQ").
All materials contained in this Website, except those relating to that content or trademark material owned by ICH and it affiliates, and/or *The Insurance Exchange of the South, are the copyrighted property of "IQ". This Website and the information it provides may not be copied, downloaded, modified, reproduced, republished, posted, transmitted or linked in any way without the prior written consent of the President of "IQ".
"IQ", ICH and it affiliates, and/or *The Insurance Exchange of the South, its officers, directors and/or employees shall not be liable or responsible for any loss or damages you incur, (including but not limited to any special, indirect, punitive, consequential or incidental damages, or for any loss of profits, revenue, use or data, whether brought in contract, tort, or otherwise), as a result of your doing business with IQ, ICH and it affiliates, and/or *The Insurance Exchange of the South directly or as a result of your utilizing the content of this website. This applies to you and to claims by third parties brought through you.
"IQ", ICH and it affiliates, and/or *The Insurance Exchange of the South, make no warranty of any kind, either express or implied, including but not limited to any present or future warranties, which may be implied, such as for merchantability or for a particular purpose as it pertains to this website or the content contained herein. Similarly, "IQ", ICH and it affiliates, and/or *The Insurance Exchange of the South,   disclaim any warranties of title or non-infringement.
Choice of law and forum for litigation. This Website is managed by IQ from a site located in the State of Tennessee, United States of America. You agree that all claims arising as a result of your use of this website shall be resolved by arbitration in Hamilton County, Tennessee, in accordance with the then current rules of the American Arbitration Association. The laws of the state of Tennessee (other than conflicts of laws rules) shall apply. The arbitration shall be conducted by a single arbitrator engaged in the practice of law. The arbitrator's decision and award shall be final and binding and may be entered in any court with jurisdiction.
If any provision in this Agreement is invalid, unenforceable, or nonsensical, the remaining provisions will continue in full force and effect.
This Website provides links to other Websites. These sites are not owned or controlled by "IQ", or *The Insurance Exchange of the South. Neither "IQ"  nor *The Insurance Exchange of the South is responsible for the content of other sites. Neither "IQ" nor *The Insurance Exchange of the South endorses, sponsors, warrants or guarantees the products or services described or offered in these other Websites. Neither "IQ"  nor *The Insurance Exchange of the South warrant that any software or material you may download from or through this Website will function as intended or that it is free of viruses.
*The Insurance Exchange of the South is a registered trade name for The LTC Exchange, LTD. The IQ Group, LTD. does not own or control any interest in The Insurance Exchange of the South