This Terms of Use Agreement sets forth the standards of use of the Grace Financial Service Associates Online Service. By using the www.GraceFSA.com web site you (the "Member") agree to these terms and conditions. If you do not agree to the terms and conditions of this agreement, you should immediately cease all usage of this web site. Grace Financial Service Associates reserve the right, at any time, to modify, alter, or update the terms and conditions of this agreement without prior notice. Modifications shall become effective immediately upon being posted at www.GraceFSA.com  web site. Your continued use of the Service after amendments are posted constitutes an acknowledgement and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement may not be amended.

Grace Financial Service Associates and www.GraceFSA.com is providing Member with Life, Health, and Dental insurance quote services. Member must provide (1) all equipment necessary for their own Internet connection, including computer and modem and (2) provide for Member's access to the Internet, and (3) pay any fees relate with such connection.

The Grace Financial Service Associates site is provided by www.GraceFSA.com on an "as is" and on an "as available" basis. To the fullest extent permitted by applicable law, www.GraceFSA.com makes no representations or warranties of any kind, express or implied, regarding the use or the results of this web site in terms of its correctness, accuracy, reliability, or otherwise. www.GraceFSA.com shall have no liability for any interruptions in the use of this web site. www.GraceFSA.com disclaims all warranties with regard to the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, therefore the above-referenced exclusion is inapplicable.

Member agrees to indemnify and hold Grace Financial Service Associates, www.GraceFSA.com, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys' fees and costs, made by any third party due to or arising out of Member's use of the Service, the violation of this Agreement, or infringement by Member, or other user of the Service using Member's computer, of any intellectual property or any other right of any person or entity.

Grace Financial Service Associates and www.GraceFSA.com reserves the right to modify or discontinue the Service with or without notice to the Member. www.GraceFSA.com shall not be liable to Member or any third party should www.GraceFSA.com exercise its right to modify or discontinue the Service. Member acknowledges and accepts that www.GraceFSA.com does not guarantee continuous, uninterrupted or secure access to our web site and operation of our web site may be interfered with or adversely affected by numerous factors or circumstances outside of our control.

The Grace Financial Service Associates web site may include links to other Life, Health, and Dental Insurance sites on the Internet that are owned and operated by online merchants and other third parties. You acknowledge that Grace Financial Service Associates is not responsible for the availability of, or the content located on or through, any third-party site. You should contact the site administrator or webmaster for those third-party sites if you have any concerns regarding such links or the content located on such sites. Your use of those third-party sites is subject to the terms of use and privacy policies of each site, and we are not responsible therein. We encourage all Members to review said privacy policies of third-parties' sites.

Insurance Product specifications and other information have either been provided by the Insurance Vendors or collected from publicly available sources. While Grace Financial Service Associates and www.GraceFSA.com makes every effort to ensure that the insurance information on this web site is accurate, we can make no representations or warranties as to the accuracy or reliability of any Life, Health, or Dental information provided on this web site.

The Grace Financial Service Associates web site is operated and provided in the State of Florida. As such, we are subject to the laws of the State of Florida, and such laws will govern this Terms of Use, without giving effect to any choice of law rules. We make no representation that our web site or other services are appropriate, legal or available for use in other locations. Accordingly, if you choose to access our site you agree to do so subject to the internal laws of the State of Florida.

Member assumes all knowledge of applicable law and is responsible for compliance with any such laws. Member may not use the Service in any way that violates applicable state, federal, or international laws, regulations or other government requirements. Member further agrees not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national, or international law or regulation.