User Agreement

Moran Agencies Terms and Conditions of Use

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This Terms and Conditions of Use Agreement (“Agreement”) applies to our mobile applications, online products and services, and our websites, including but not limited to www.moranagencies.com (collectively, the “Apps and Websites”), which is offered by Moran Agencies ("Moran Agencies," “us,” or “we”). This User Agreement is a legally binding agreement between you (“you” or “your”) and Moran Agencies. By using any of the Apps and Websites, you agree to be bound by the following terms. You are responsible for compliance with all applicable laws. You are also subject to the supplemental notices and guidelines that appear on the Apps and Websites, which may also be updated occasionally. Access to online services provided on any of the Apps and Websites (collectively referred to herein as the "Services") is also subject to the terms of this User Agreement. Please note that Moran Agencies may change the terms and conditions of use without notice to you. You may not use the Apps and Websites if you are under the age of 13.

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IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF USE, YOU MAY NOT USE ANY OF THE APPS, WEBSITES, OR SERVICES.

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Privacy

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Moran Agencies recognizes the importance of protecting your personal information. Please review our Privacy Policy for more details on how we handle your information. Since this Policy may change, please reread the Policy from time to time.

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Use and Registration

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You are responsible for acquiring and maintaining all equipment, computers, software, and communications services relating to the access and use of the Apps and Websites and Services and for all expenses relating thereto.

 

In order to use some of our Services, we may require you to register. By registering, you agree to: (1) provide true, accurate, current, and complete information as prompted by the applicable registration form, and (2) maintain and promptly update the information. If you provide any information that is untrue, inaccurate, not current, or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, we have the right to refuse any and all current or future use of the Services.

 

During the registration process, you will designate a username and password. You are responsible for maintaining the confidentiality of the username and password and are responsible for all activities that occur under your username and password, whether or not authorized by you. We may terminate your password or registration at any time.

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Our Proprietary Rights, Limited Licenses, Trademarks, and Trade Secrets

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You should assume that everything that you see and use on the Apps and Websites is copyrighted or otherwise protected and owned by Moran Agencies or a third party who licensed to Moran Agencies the right to use such material. Unless otherwise expressly noted, nothing that you read or see on the Apps and Websites may be copied or used except as provided in these Terms and Conditions of Use.

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Provided that you comply with this Agreement and satisfy any applicable payment obligations, we grant you permission to display on your computer and to print individual pages from the Apps and Websites for your own personal, non-commercial use in evaluating, using, or purchasing Moran Agencies’ services or products. We may revoke this permission at any time. This grant of permission is not a transfer of title, and under this

permission, you may not:

Use the materials for any commercial purpose or for any public display (commercial or noncommercial);

● Use the Apps and Websites in a manner that violates any applicable law, regulation, or this Agreement;

● Remove any copyright or other proprietary notations from the materials;

● Modify or create derivative works of any content;

● Transfer the materials to another person or "mirror" the materials on any other server;

● Create any hyperlinks to any page of the Apps and Websites.

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You acknowledge and agree that the Services and any content used in connection with the Services, including any software accessible through the Apps and Websites, contain our proprietary and confidential information that is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. "Moran Agencies" and all other product and service names and design logos are our trademarks and/or service marks (the "Moran Agencies Marks"). As between you and us, we shall own all rights, title, and interest in and to the Services, subject only to the express licenses granted herein.

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Subject to the terms of this Agreement, we grant you a personal, non-transferable, and non-exclusive right and license to use the Services only on a single computer or terminal. You are not permitted to (and may not allow any third party to) copy, modify, adapt, translate, lease, rent, loan, establish a hyperlink to, frame within any website, distribute, create a derivative work of, reverse engineer