Terms of Service

Homeimprovementhouse.com

If you require any more information or have any questions about our Terms of Service, please feel free to contact us by email at .

Introduction

These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full and without reservation. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

You must be at least 18 [eighteen] years of age to use this website. By using this website and by agreeing to these terms and conditions, you warrant and represent that you are at least 18 years of age.

License to use website

Unless otherwise stated, and/or its licensors own the intellectual property rights published on this website and materials used on . Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages, files or other content from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website in neither print nor digital media or documents (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website;
  • redistribute material from this website – except for content specifically and expressly made available for redistribution; or
  • republish or reproduce any part of this website through the use of iframes or screenscrapers.

Where content is specifically made available for redistribution, it may only be redistributed within your organisation.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities on or in relation to this website without ‘s express written consent.
This includes:

  • scraping
  • data mining
  • data extraction
  • data harvesting
  • ‘framing’ (iframes)
  • Article ‘Spinning’

You must not use this website or any part of it to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing without the express written consent of .

Restricted access

Access to certain areas of this website is restricted. reserves the right to restrict access to certain areas of this website, or at our discretion, this entire website. may change or modify this policy without notice.

If provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. You alone are responsible for your password and user ID security..

may disable your user ID and password at ‘s sole discretion without notice or explanation.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

reserves the right to edit or remove any material submitted to this website, or stored on the servers of , or hosted or published upon this website.

‘s rights under these terms and conditions in relation to user content, does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

Limitations of liability

will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • to the extent that the website is provided free-of-charge, for any direct loss;
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit the liability of in respect of any:

  • death or personal injury caused by the negligence of or its agents, employees or shareholders/owners;
  • fraud or fraudulent misrepresentation on the part of ; or
  • matter which it would be illegal or unlawful for to exclude or limit, or to attempt or purport to exclude or limit, its liability.

Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other parties

You accept that, as a limited liability entity, has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against ‘s officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect ‘s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as .

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

Indemnity

You hereby indemnify and undertake to keep indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by to a third party in settlement of a claim or dispute on the advice of ‘s legal advisers) incurred or suffered by arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to ‘s other rights under these terms and conditions, if you breach these terms and conditions in any way, may take such action as deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Variation

may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

Assignment

may transfer, sub-contract or otherwise deal with ‘s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions, together with ‘s Privacy Policy constitute the entire agreement between you and in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with the laws of , and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of .

About these website Terms of Service

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Although {discussing| talking about| going over| reviewing} the {possibility| opportunity} of {losing| shedding} a {family member| relative| member of the family} {seems| appears} grim, it's an {important part| vital part| fundamental part| integral part} of a {family| household| family members}'s {financial| monetary| economic} {planning| preparation}. {Life insurance| Life insurance policy} {provides| offers| supplies| gives} {financial| monetary| economic} {flexibility| versatility| adaptability} in {difficult| challenging| tough| hard} times, {and| as well as| and also} can {prevent| avoid| stop| protect against} the {remaining| staying| continuing to be} {family| household| family members}'s {financial| monetary| economic} {devastation| destruction} if something {happens| occurs| takes place}. {Be sure| Make sure| Make certain} to {read| check out| review} over {all of| every one of} the {information| info| details} {about| regarding| concerning} the {insurance| insurance coverage| insurance policy} {plan| strategy} that your {company| business| firm} {offers| provides| uses| supplies}. You {may| might} {find| discover| locate} that it {will| will certainly} not {be enough| suffice}. You {may| might} {want to| wish to| intend to} {invest in| purchase| buy} an {additional| extra| added} {policy| plan} {to be sure| to make sure| to ensure} that your {family| household| family members} is {going to| mosting likely to} have {enough| sufficient| adequate} {money| cash| loan} {in the event| in case} of your {passing| death| passing away}. Although term {insurance| insurance coverage| insurance policy} covers you for {only| just} a {specified| given| specific} {period of time| time period| amount of time}, it does have some {benefits| advantages} that {may| might} make it the {right| best| ideal| appropriate} {choice| option| selection} for you. Term {insurance| insurance coverage| insurance policy} is {vastly| greatly| significantly} {cheaper| less expensive| more affordable| less costly} than {whole| entire} {insurance| insurance coverage| insurance policy}, {costing| setting you back} {hundreds of| numerous| thousands of} {dollars| bucks} a year {rather than| instead of| as opposed to} thousands. It is {flexible| versatile| adaptable} {in that| because} you can {choose| select| pick} to be covered for as {few| couple of} as 5 or as {many| numerous| lots of| several} as {30 years| thirty years| three decades} with {coverage| protection| insurance coverage} {ranging| varying} from $100,000 to millions. For {short term| short-term} {needs| requirements| demands}, such as {children| kids| youngsters} {graduating| finishing} from {college| university} or a {mortgage| home loan| home mortgage} being {paid off| settled| repaid}, term {insurance| insurance coverage| insurance policy} is {ideal| perfect| optimal| suitable| excellent}, {especially| particularly| specifically} if {whole| entire} {insurance| insurance coverage| insurance policy} is not in your {budget| budget plan| spending plan}. When {exploring| checking out| discovering} the {options| choices| alternatives} for {insurance| insurance coverage| insurance policy}, {shop around| look around| search}. There are a {number of| variety of} {factors| elements| aspects| variables} {insurance companies| insurance provider| insurer} {use| utilize| make use of} to {rate| price} {customers| clients| consumers}. Each {factor| element| aspect| variable} {carries| brings| lugs} a {different| various} weight. If you have {negative| unfavorable| adverse} {elements| aspects| components}, such as an {addiction| dependency} to {nicotine| pure nicotine}, you {may| might} {benefit from| take advantage of| gain from} {researching| investigating| looking into} {rates| prices} from {many different| various| several} {providers| service providers| companies| suppliers| carriers}. {Life insurance| Life insurance policy} {companies| business| firms} {often| frequently| typically| commonly| usually} {charge| bill} cigarette smokers {double| increase} the {usual| typical| normal| common} {premium| costs}. A {way| method| means} to {reduce| decrease| minimize| lower} the {monthly| regular monthly| month-to-month} {cost| expense| price} of your {insurance| insurance coverage| insurance policy}, is to {quit| stop| give up} {smoking| cigarette smoking| smoking cigarettes} if you are a {smoker| cigarette smoker}. {Another| One more| An additional} {way| method| means} to bring your {premium| costs} down is to {stay in| remain in} {shape| form}. {Physically fit| Fit| Healthy}, non-smokers {are at| go to} {far| much} {less| much less} {risk| danger| threat} for {developing| establishing| creating} {illness| disease| health problem| ailment} {and| as well as| and also} {diseases| illness| conditions}. {Many| Numerous| Lots of| Several} {insurance| insurance coverage| insurance policy} brokers {and| as well as| and also} {agents| representatives} {get paid| make money| earn money} {through| with| via} {commission| compensation| payment}. It is {therefore| for that reason| as a result| consequently} to their {benefit| advantage} to {sell| offer| market} you {the most| one of the most} {expensive| costly| pricey} {package| bundle| plan} they can with as {many| numerous| lots of| several} {riders| bikers| motorcyclists| cyclists} as {possible| feasible}. {Because of| Due to| As a result of} this, {before| prior to} {agreeing to| consenting to| accepting} a {specific| particular| certain| details} {insurance policy| insurance coverage| insurance plan}, you {should| ought to| must| need to} {get| obtain} a {second opinion| consultation}. {Make sure| Ensure| Make certain| See to it} {everything| whatever| every little thing} {included| consisted of} is something that you {actually| really| in fact} {need| require}! It {is important| is essential| is very important| is necessary} to {conduct| perform} your {own| very own} independent {research| research study| study} when {deciding| choosing| making a decision| determining} {whether or not| whether} to {invest in| purchase| buy} a {particular| specific| certain} {insurance policy| insurance coverage| insurance plan}. It {is important| is essential| is very important| is necessary} to {verify| confirm| validate} that you can {afford| manage} it, {and that| which} it {fulfills| satisfies| meets} your {needs| requirements| demands}. {Make sure| Ensure| Make certain| See to it} you {fully| completely| totally} {understand| comprehend| recognize} the {different| various} {aspects| elements| facets} of your {policy| plan}. Understand that {most| many| a lot of| the majority of} {insurance companies| insurance provider| insurer} {offer| provide| use| supply} a {range of| variety of| series of} {different| various} {payment| repayment| settlement} {options| choices| alternatives} to your {beneficiaries| recipients}. If you {think| believe| assume} those you {leave behind| leave} {would| would certainly} be {better| much better| far better} off {receiving| getting| obtaining} {periodic| regular| routine} {payments| repayments| settlements}, {then| after that} this is something you {have to| need to} {decide| choose| make a decision| determine} {now| currently}. You can {choose| select| pick} to {give| provide| offer} the {lump sum| round figure} or to break it up. {Calculate| Determine| Compute} the {appropriate| suitable| proper| ideal} {level| degree} of {insurance| insurance policy} {coverage| protection} {needed| required} {before| prior to} {purchasing| buying| acquiring} a {policy| plan}. A {good| great| excellent} {rule of thumb| guideline| general rule} is to consider what the loss of your {income| earnings| revenue} {would| would certainly} do to your {family| household| family members} if anything {happened| occurred| took place} to you {and| as well as| and also} {insure| guarantee} {yourself| on your own} {accordingly| appropriately| as necessary}. {On average| Typically| Usually| Generally}, {coverage| protection| insurance coverage} {amounts| quantities} {should| ought to| must| need to} be high {enough| sufficient| adequate} to {equal| equivalent} {about| regarding| concerning} {eight| 8} years of {salary| income| wage} plus any other {one-time| single} {expenses| costs| expenditures} your {family| household| family members} {may| might} {face| deal with| encounter}. Know {how| exactly how| just how} your {insurance policy| insurance coverage| insurance plan} {will| will certainly} cover your home in the {event| occasion} of your {passing| death| passing away}. Your {benefits| advantages} {will| will certainly} {first| initially} {go to| most likely to} cover your {outstanding debts| arrearages} {and| as well as| and also} a {mortgage| home loan| home mortgage} {could| might| can} {easily| quickly| conveniently} {engulf| swallow up} the {potential| prospective| possible} {benefit| advantage} for your {family| household| family members}. {Check with| Consult| Talk to| Contact| Get in touch with} your {insurance company| insurance provider| insurer} to {make sure| ensure| make certain| see to it} your {policy| plan} {is sufficient| suffices}. Do as much {research| research study| study} {into| right into} {insurance| insurance coverage| insurance policy} as you {possibly| potentially| perhaps} can. {It doesn't matter| It does not matter| It matters not| No matter} whether you {buy| purchase| get| acquire} a {policy| plan} {by yourself| on your own} or {with the assistance of| with the help of} a {professional| expert| specialist}, you {need| require} to {know| understand| recognize} what you are {talking about| discussing| speaking about} in order to {feel confident| feel great} {and| as well as| and also} {sure| certain} of the {decision| choice} you are making. To {save| conserve} {money| cash| loan} on your {insurance| insurance coverage| insurance policy}, make an {annual| yearly} {payment| repayment| settlement} {rather than| instead of| as opposed to} {monthly| regular monthly| month-to-month} {payments| repayments| settlements}. {Many| Numerous| Lots of| Several} {insurance companies| insurance provider| insurer} {charge| bill} a {small| little| tiny} {administrative| management} {fee| charge| cost} for {monthly| regular monthly| month-to-month} {payments| repayments| settlements} {because of| due to| as a result of} the {added| included} {administration| management} {expenses| costs| expenditures}. Paying your {insurance| insurance coverage| insurance policy} {premium| costs} {annually| yearly| every year| each year} {saves| conserves} you these {fees| charges| costs}, which can {add up| accumulate| build up} over the life of your {policy| plan}. A {parent| moms and dad} {would| would certainly} {always| constantly} {like| such as} to {think| believe| assume} that their dependents {will| will certainly} be {taken care of| looked after| dealt with| cared for} in case something were to {happen| occur| take place} to them. This can all be {taken care of| looked after| dealt with| cared for} when a {life insurance| life insurance policy} {policy| plan} {is in| remains in} {place| location| area}. 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