Terms of Service:

This Agreement governs use of's services. By using’s services, you agree that you have read, understand the contents of and agree to these terms and conditions. Should you have any questions concerning this Agreement, please visit the contact us section of our website to find the appropriate phone numbers and email addresses.


Unauthorized use of the service, or the resale of said service without our prior written consent, is expressly prohibited. You shall not copy, sell, transfer, distribute, publish or assign your license to our services in any format to any third party.

Links to Third Party Sites does not endorse any sites linked through is providing these links to you only as a matter of convenience, and in no event shall be responsible for any content, products or other materials on or available from such sites.

User Conduct

Without limitation, you agree not to use this website to: (a) send unsolicited or unauthorized junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (b) advertise or promote a commercial product or service that is not available through's services; (c) store or transmit any file containing: (i) unlawful, defamatory, threatening, pornographic, abusive, libelous, or otherwise objectionable material of any kind or nature; (ii) any material that encourages conduct that could constitute a criminal offense; (iii) any material that violates the rights of others; (d) transmit any material that contains software viruses or other harmful or deleterious computer code, files or programs; (e) interfere with or disrupt servers or networks connected to service or violate the regulations, policies or procedures of such networks; (f) access or attempt access to service, computer systems or networks connected to the Service, through password mining or any other means; (g) harass or interfere with another user's full use of; or (h) cause, in's sole discretion, inordinate burden on's system resources (i.e. bandwidth).

Proprietary Rights hereby grants you a limited license to use any software provided by it solely in connection with utilization of’s services during the term of this Agreement, and for no other purpose. Upon termination of this Agreement for any reason, you shall immediately cease all use of such software, and shall promptly uninstall and delete all copies thereof in your possession or under your control. Except for the licenses granted herein, you have no right, title or interest in or to service or any content. You agree that or its licensors retain all proprietary right, title and interest, including copyright and all other intellectual property rights, in and to such software. and/or other products and services referenced herein are either trademarks or registered trademarks of

Non-Responsibility; No Warranties; Indemnification is not responsible for circumstances beyond its control, including, without limitation, actions of third parties, force majeure or other circumstances.

You agree to indemnify and hold harmless from and against any and all claims, costs, damages, losses, liabilities, and expenses (including, without limitation, attorneys' fees and costs) resulting from or in connection with your use of services or breach of this Agreement.

In the event that, notwithstanding the foregoing disclaimers and indemnification, is found responsible to you for any reason whatsoever,'s responsibility shall be limited to the amounts actually paid by you for this service, and shall not include punitive, consequential or resulting damages of any nature.

Changes reserves the right to amend the terms and conditions of this Agreement at any time and shall notify you by posting an updated Agreement on and/or by sending you an email message. Continued use of service after notice is given of such changes shall constitute your consent to such changes.


Privacy Policy reserves the right to share aggregated demographic information about our customers, sales, and traffic to our partners and advertisers. We reserve the right to disclose such information to a third party only if (a) we have your express written consent, (b) we reasonably believe we are compelled by applicable state and federal laws, or (c) we reasonably believe that an emergency involving immediate danger of death or serious physical injury to any person, or other irreparable injury, including economic interests of a third party, requires disclosure of the information without delay. uses a third party vendor to manage all credit card processing, and may partner with other parties to provide specific services. Upon registration with, we will share names and other contact information as necessary for the applicable third parties to provide these services. These parties are not permitted under their contract with us to store, retain, or use your information for purposes not directly involved with their service to Specifically, our contracts with such third parties prohibit the third parties from using your personal information for purposes of marketing or promotions.

Notwithstanding the foregoing, we reserve the right to share personally identifiable information in connection with an acquisition, merger, or sale of all or a substantial portion of our business, with or to a company in a substantially similar business, provided that the other company agrees to comply with this or with a reasonably comparable privacy policy. In the event of any such sale or merger, you will receive notice of any changes in such policy.


© 2010 Morgan White Group Inc.

All quotes are provided by Morgan-White, LTD. DBA/AKA Morgan-White Insurance Marketing

California license number: 0C91929. Agent David Reynolds White

California license number: 0C94111