1. Acceptance of Terms

Adjusters Asia provides its service to you, subject to the following Terms of Service ("TOS"), which may be updated by us from time to time without notice to you. You can review the most current version of the TOS at any time by returning to this page. In addition, when using particular Adjusters Asia services, you and Adjusters Asia shall be subject to any posted guidelines or rules applicable to such services which may be posted from time to time. All such guidelines or rules are hereby incorporated by reference into the TOS.

2. Description of Service

In addition to everything you see and read on this web site (the "Site"), Adjusters Asia currently provides users with the ability to create a user account. Creating a user account permits users to store and transfer (upload/download) files and other data, utilize offshore transcription services, view files and assignment data on-line, and to post messages on community message boards. Unless explicitly stated otherwise, any new features that augment or enhance the current Service shall be subject to the TOS. You understand and agree that the Service is provided "AS-IS" and that Adjusters Asia assumes no responsibility for the timeliness, deletion, mis-delivery, tampering, misappropriation or failure to store any user communications, files, personalization settings or other data.

Always keep a backup copy of your files and other data.

3. Privacy Policy

Registration data and certain other information about you is subject to our Privacy Policy. For more information, see our full Privacy Policy by clicking the link to the left of this page.

4. User Account, Password and Security

You will receive a password and username upon completing the application for a user account. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify Adjusters Asia of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. Adjusters Asia cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 4.

5. User Conduct

You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not Adjusters Asia, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. Adjusters Asia does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will Adjusters Asia be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.

You agree to not use the Service to:

a. upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
b. impersonate any person or entity, including, but not limited to, an Adjusters Asia official or staff member;
c. upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships;
d. upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party;
e. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," or any other form of solicitation
f. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
g. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
h. intentionally or unintentionally violate any applicable local, state, provincial, national or international law;
i. collect or store personal data about other users.

You acknowledge that Adjusters Asia does not pre-screen Content or any other files uploaded or transferred on our web site. Without limiting the foregoing, Adjusters Asia and its designees shall have the right to remove any Content that violates the TOS or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by Adjusters Asia or submitted to Adjusters Asia, including without limitation information in Adjusters Asia Message Boards, and in all other parts of the Service.

You acknowledge and agree that Adjusters Asia may preserve and disclose Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of Adjusters Asia, its users and others.

6. Indemnity

You agree to indemnify and hold Adjusters Asia and its subsidiaries, affiliates, officers, agents, partners and employees harmless from any claim or demand, including attorneys' fees, made by any third party due to or arising out of Content you submit, post, transmit or make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.

7. General Practices Regarding Use and Storage

You acknowledge that Adjusters Asia may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that files, message board postings or other uploaded Content will be retained by the Service, the maximum number of files that may be sent from or received by an account on the Service, the maximum size of any file that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on Adjusters Asia's servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time. You agree that Adjusters Asia has no responsibility or liability for the deletion or failure to store any files, messages and other communications or other Content maintained or transmitted by the Service. You acknowledge that Adjusters Asia reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that Adjusters Asia reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

8. Modifications to Service

Adjusters Asia reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Adjusters Asia shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

9. Termination

You agree that Adjusters Asia, in its sole discretion, may terminate your password, user account (or any part thereof) or use of the Service, and remove and discard any Content within the Service, for any reason, including, without limitation, for lack of use or if Adjusters Asia believes that you have violated or acted inconsistently with the letter or spirit of the TOS. Adjusters Asia may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of this TOS may be effected without prior notice, and acknowledge and agree that Adjusters Asia may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that Adjusters Asia shall not be liable to you or any third-party for any termination of your access to the Service.

10. Links

The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because Adjusters Asia has no control over such sites and resources, you acknowledge and agree that Adjusters Asia is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Adjusters Asia shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

11. Copyright, Proprietary Rights

You should assume that everything you see or read on the Site is copyrighted unless otherwise noted and may not be used without the express written permission of Adjusters Asia.

You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content or information presented to you through the Service is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Adjusters Asia, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part.

12. Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
a. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ADJUSTERS ASIA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
b. ADJUSTERS ASIA MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY INFORMATION, OR OTHER MATERIAL THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
c. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. d. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ADJUSTERS ASIA OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.

13. Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT ADJUSTERS ASIA SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADJUSTERS ASIA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

14. Notice

Notices to you may be made via either email or regular mail.

15. General Information

Adjusters Asia may at any time revise the Terms of Service by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms of Service to which you are bound.