Terms of Use

The INS Companies operates this website for the education and personal enjoyment of our visitors.  Use of this website is conditioned on the User’s acceptance of The INS Companies’ Terms and Conditions, including the Privacy Policy and disclaimers set forth below. If you do not agree with or accept The INS Companies’ Terms and Conditions and Privacy Policy, please exit this website.

Copyright and Trademark Information

All materials on this website are protected by copyrights, trademarks, and/or other intellectual property rights. These materials are owned by The INS Companies or are used with permission of their owners or as otherwise authorized by law.  Such materials include, but are not limited to, the photographs, images, illustrations, text, video clips, audio clips, designs, logos, trademarks, trade dress, and other materials contained in this website. All rights are reserved worldwide.

Users may print or reproduce discrete portions of The INS Companies’ materials published on this site, for purposes of commentary or the user’s personal non-commercial use and enjoyment, or educational use, so long as proper credit is given to The INS Companies. If more than two sentences from an The INS Companies article are reproduced, the credit line should include a copyright notice in the name of The INS Companies.  No user is authorized to change the material or the meaning of The INS Companies’ material. If these conditions are observed, The INS Companies will consider the reproduction to be “fair use.” 

Use or review of this website does not give any User a license or right under any patent, copyright, trademark, or other intellectual property or personal right of The INS Companies or any third party.  No The INS Companies trademark may be used in advertising or other commercial materials without the prior express permission of The INS Companies. You also agree to observe the privacy of all other Users and not to use the personal information of any other User for any commercial, promotional, or other purpose.

The INS Companies does not warrant the accuracy, completeness, timeliness, or reliability of the material or data on this website or any other site available through links from this site. The INS Companies may provide links to third-party websites. Links to other websites are provided as a convenience only. The INS Companies does not endorse, is not responsible for, and does not control these third-party sites, their services, or their software.

Disclaimers and Limitations of Liability

The material on this website is provided “as is” and without warranty of any kind, either express or implied, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The INS Companies shall not be liable for any special, incidental, or consequential damages, including, without limitation, lost revenues, lost profits, or loss of prospective economic advantage resulting from the use or misuse of this website, or the information, documents, or software contained in it, even if The INS Companies has been advised of the possibility of such damages, or for any claim by another party. The INS Companies does not warrant that this website will be uninterrupted or free or inaccuracies or errors, nor does The INS Companies warrant that the site is free of viruses or other harmful elements.

Use of this website, and any reliance on any material published or transmitted by this website, is at the User’s own risk. You agree that you release The INS Companies and its affiliates, advertisers, supporters, and authors from any and all liability or obligations arising from the access or use of this website, or any public forum or other area of this website. A User’s sole remedy for any problem or concern is to exit this website. You agree that you will indemnify and hold The INS Companies harmless for any loss, damages, or liability suffered by The INS Companies as a result of your use of this website, or your submission of any material to The INS Companies or to this website. The INS Companies reserves the right to restrict or limit access to this website.

Copyright Violations: If you believe that any material on this website infringes your copyright, please notify us as follows, under the Digital Millennium Copyright Act (DMCA). To notify us, the DMCA requires that you:

  1. Send an email notice to The INS Companies at This email address is being protected from spambots. You need JavaScript enabled to view it.
  2. Include the following information in your email:
    1. Identify the copyrighted work(s) you claim is infringed;
    2. Identify the material you claim is infringing the copyright(s), including enough information for The INS Companies to locate that material;
    3. Include a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf (the Claimant);
    4. Include the Claimant’s name, address, and telephone number(s);
    5. Include a statement that the Claimant has a good faith belief that use of the disputed material is not authorized by the copyright owner or his agent; and
    6. Include a statement, under penalty of perjury, that the information in the notification of copyright infringement is accurate and that the Claimant is the copyright owner or is authorized to act on behalf of the copyright owner.