Terms of Use and
Conditions of Service

Following are the terms and conditions that govern your use of this site. Welcome to the www.fitness-culture-health-insurance.com web site. a service of Pinnacle Business Solutions, Inc., licensed and doing business as Pinnacle-Wiser Insurance.

Your Agreement with Pinnacle Business Solutions, Inc.:

THESE TERMS AND CONDITIONS OF USE CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND PINNACLE BUSINESS SOLUTIONS, INC. ("PINNACLE", "WE" OR "OUR"). PLEASE READ THIS AGREEMENT ("AGREEMENT") IN ITS ENTIRETY BEFORE YOU CONTINUE TO USE THIS WEB SITE.

The use of this site is governed by the policies set forth in our Terms and Conditions of Service. Please read them carefully. Your use of this site indicates your acceptance of the Terms and Conditions of Service. If you do not agree to the provisions set forth below, you may not use the Web site or its services. Pinnacle Business Solutions, Inc. reserves the right to make changes to this site and to these provisions at any time. By accessing or using the Web site and its service, you agree to be bound by all of the Terms and Conditions of Service as posted on the Web site at the time of your access or use. You agree to review Terms and Conditions of Service each time you use the Web site so that you are aware of any modifications made to the Terms and Conditions of Service.

Ownership of This Web Site

The website www.fitness-culture-health-insurance.com is owned or controlled by Pinnacle Business Solutions, Inc. The following Terms and Conditions of Use fully apply to all web sites of Pinnacle Business Solutions, Inc. and any and all of its affiliated companies. All of the content featured or displayed on this web site, including, but not limited to, text, graphics, photographs images, moving images, sound, illustrations and software ("Content"), is owned by Pinnacle, its licensors and its content providers.

All elements of Pinnacle web sites, including, but not limited to, the general design and the Content, are protected by trade dress, copyright, moral rights, trademarks and other laws relating to intellectual property rights, unless otherwise noted. Except as explicitly permitted under this or another agreement with Pinnacle or one of its subsidiaries, no portion or element of this web site or its Content may be copied or retransmitted via any means and this web site, its Content and all related rights shall remain the exclusive property of Pinnacle or its licensors unless otherwise expressly agreed. You shall indemnify Pinnacle, its subsidiaries, its affiliates and licensors against any losses, expenses, costs or damages incurred by any or all of them as a result of your breach of the terms of this Agreement or your unauthorized use of the Content and related rights.

Exceptions to the copyright are as follows:

Photo Images: Copyright Getty Images, Inc., its licensors and its content providers; IStockphoto, Inc., its licensors and its content providers.

Pinnacle Business Solutions, Inc. cannot and does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Pinnacle Business Solutions, Inc. does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Pinnacle Business Solutions, Inc. be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate Pinnacle Business Solutions, Inc. copyright holder.

Privacy

Though we make every effort to preserve your privacy we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site. For further information about Pinnacle’s Privacy Policy, please visit Privacy Policy.

Minors and Child Online Privacy Protection Act

Pinnacle Business Solutions, Inc. does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act. If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use Pinnacle Business Solutions, Inc., you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of Pinnacle Business Solutions, Inc.; and (iii) the consequences of any use.

Limitation of Liability

THIS WEB SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND PINNACLE EXCLUDES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW ANY WARRANTY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE. PINNACLE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES. THE FUNCTIONS EMBODIED ON, OR IN THE MATERIALS OF, THIS WEB SITE ARE NOT WARRANTED TO BE UNINTERRUPTED OR WITHOUT ERROR. YOU, NOT PINNACLE, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION DUE TO YOUR USE OF THIS WEB SITE.

Except as specifically stated in these Terms and Conditions or elsewhere on this web site, or as otherwise required by applicable law, neither PINNACLE nor its directors, employees, licensors, content providers, affiliates or other representatives will be liable for damages of any kind (including, without limitation, lost profits, direct, indirect, compensatory, consequential, exemplary, special, incidental, or punitive damages) arising out of your use of, your inability to use, or the performance of this web site or the Content whether or not we have been advised of the possibility of such damages.

PINNACLE uses reasonable efforts to ensure the accuracy, correctness and reliability of the Content, but we make no representations or warranties as to the Content's accuracy, correctness, or reliability.

There may be links to other web sites from the www.fitness-culture-health-insurance.com web site; however, these other web sites may not be controlled by PINNACLE and we are not responsible for any content contained on any such web site or any loss suffered by you in relation to your use of such web sites. You waive any and all claims against PINNACLE regarding the inclusion of links to outside web sites or your use of those web sites.

Some US states and foreign countries do not permit the exclusion or limitation of implied warranties or liability for certain categories of damages. Therefore, some or all of the limitations above may not apply to you to the extent they are prohibited or superseded by state or national provisions.

Governing Law and Venue

This Agreement shall be interpreted, construed and governed by the laws of the State of Georgia, USA, without reference to its laws relating to conflicts of law. Venue for all disputes arising under this Agreement shall lie exclusively in the Superior Courts of the State of Georgia in DeKalb County or the Federal District Courts of the Northern District of Georgia (as permitted by law) and each party agrees not to contest the personal jurisdiction of these courts. Notwithstanding the foregoing, however, Pinnacle shall have the right to commence and prosecute any legal or equitable action or proceeding before any non-US court of competent jurisdiction to obtain injunctive or other relief in the event that, in the opinion of Pinnacle, such action is necessary or desirable.

No action of Pinnacle, other than an express written waiver or amendment, may be construed as a waiver or amendment of the Privacy Policy. Should any clause of this Privacy Policy be found unenforceable, wherever possible this will not affect any other clause and each will remain in full force and effect.

We reserve the right to change the Privacy Policy, prices, conditions, information, and available contractual license terms featured on this web site without notice. These conditions set out the entire agreement between Pinnacle and you relating to your use of this web site.

No Waiver, Severability

No action of PINNACLE, other than an express written waiver or amendment, may be construed as a waiver or amendment of any of these Terms and Conditions of Use. Should any clause of these Terms and Conditions of Use be found unenforceable, wherever possible this will not affect any other clause and each will remain in full force and effect.

We reserve the right to change these Terms and Conditions of Use, prices, information, and available contractual license terms featured on this web site without notice. These conditions set out the entire agreement between PINNACLE and you relating to your use of this web site.

Termination of Service

If you violate these Conditions of Use, we may, in our sole discretion, terminate your access to this Web site, or any portion thereof, or discontinue providing the site, or any portion thereof. These actions are in addition to and not in lieu or limitation of any other right or remedy we may have available at law. Further, we shall not be liable to you or any third party for any such termination or discontinuance.

If you have questions or want to make a comment, please email us on our Contact Us Page.