Terms of Use for ICO

By visiting or using any ICO or any page of the ICO website, except this page and home pages of the ICO website, you are agreeing to be bound by these terms of use and that such agreement consitutes a binding contract between you and ICO. If you do not wish to be bound by these terms of use, please do not visit or use any of the ICO websites or any page of the ICO family of websites.

Introduction

ICO. and/or its partners (together referred to as "Investorcompsonline.com") operate this Family of Websites* and associated web pages. For the purposes of these Terms of Use, ICO refers to this family as the "ICO Websites."

ICO offers you access to the ICO Websites in exchange for your agreement to accept and comply with the terms, conditions, and notices stated here and as may be modified by ICO from time-to-time. ICO refers to these terms, conditions, and notices, whether modified or unmodified, as the "Agreement" or as the "Terms of Use". ICO reserves the right to modify in its sole discretion this Agreement and/or the ICO Websites without providing notification. You are responsible for regularly reviewing this Agreement. You can review the most current version of the Agreement at any time at: ICO Websites Terms of Use

BY VISITING OR USING ANY ICO OR ANY PAGE OF THE ICO WEBSITE, EXCEPT THIS PAGE AND HOME PAGES OF THE ICO WEBSITE, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF USE AND THAT SUCH AGREEMENT CONSITUTES A BINDING CONTRACT BETWEEN YOU AND ICO. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE DO NOT VISIT OR USE ANY OF THE ICO WEBSITES OR ANY PAGE OF THE ICO FAMILY OF WEBSITES.

ADDITIONAL TERMS MAY GOVERN USE OF CERTAIN WEBSITES OR WEB PAGES WITHIN THE ICO WEBSITES.

Your use of certain websites and/or web pages within the ICO websites may be subject to additional terms that are specific to such web sites and/or web pages (the "Specific Terms") as either contained (i) on this page below this Agreement and/or (ii) on such websites and/or web pages.

Outline of Terms of Use

For your convenience, ICO here provides a section-by-section outline of the Terms of Use. To go directly to a specific section contained in these Terms of Use, click on the appropriate link below. Please note that this functionality is provided solely for your convenience and in no way absolves you of your duty to comply with each and every section of these Terms of Use.

  • General Use And Limitations On General Use Of The ICO Websites
  • Information Provided To You Through The ICO Websites.
    • From ICO
    • From ICO Affiliates
    • From the Public
    • Disclaimer
  • Services Provided Through The ICO Websites
    • Non-Commercial Services
    • Third-Party Services
    • General Terms

General Use And Limitations On General Use Of The ICO Websites

Except where we specify otherwise, ICO offers you access to the ICO Websites solely for your personal and non-commercial uses. You promise that you will not use the ICO Websites, in whole or in part, for any purpose that is unlawful or prohibited by these Terms of Use or for any purposes other than those that are personal and non-commercial. You agree that you will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the ICO Websites. This means, among other activities, that agree not to engage in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information. You agree that you will not use the ICO Web Sites in any manner that could damage, disable, overburden, or impair the ICO Websites or interfere with any other party's use and enjoyment of the ICO Websites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the ICO Websites.

If and when requested by ICO you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of ICO, you agree that you will not access or attempt to access password protected, secure or non-public areas of the ICO Websites. Unauthorized individuals attempting to access prohibited areas of the ICO Websites may be subject to prosecution.

Except with the written permission of ICO, you agree that you will not create links from any web site or web page to any page within the ICO Family of Websites* with the exception of their homepages. The origin of any such link to the ICO Website's homepage must be accompanied by a clear and prominent attribution indicating that the link is connected to the ICO Website's homepage. For example, prominently positioning the " ICO " name and mark such that there is clear association between the name and mark and the destination of the link is acceptable. However, you agree that you will not juxtapose the " ICO " name and mark and the link with your name or any other material(s) in a manner which might give rise to any erroneous conclusion that there is any affiliation or association between ICO, on the one hand, and you or any other person or entity, on the other hand. You agree that if ICO, in its sole and unfettered discretion, requests in writing that you remove any link or links to the ICO websites, you will promptly do so. You agree that if you create any link to the ICO Websites that you will not employ any technology that results in the placement of content from the ICO Websites in a frame and/or a reduced pop-up window and/or any other display mechanism which changes the ICO Websites from how they would appear if a user typed in their URL to a typical browser line.

You agree that ICO may in its sole discretion and at any time terminate your access to and use of the ICO Websites, or any part thereof, with or without notice.

Information Provided To You Through The Websites

From ICO

The ICO Websites contain content and information originated by ICO (the " ICO Content"). ICO presents and makes available such content and information through the ICO Web Sites as a public service, for the sole purpose of aiding you, the individual consumer. ICO, therefore, cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information.

From ICO Affiliates

For your convenience, the ICO Websites contain content and information from ICO affiliates and/or links to affiliate web sites ("Affiliate Content"). Such content is not under the control of ICO and ICO is not responsible for such content, including without limitation any link contained in such content, or any changes or updates to such content. ICO is providing such content to you only as a convenience, and the inclusion of such content does not imply endorsement by ICO of such content or the affiliate. You may be subject to additional and/or different terms, conditions, and privacy policies when you use affiliate services, content, software or sites.

From the Public

The ICO Websites may include a number of venues such as bulletin boards, chat areas, news groups, forums, communities, personal web pages, calendars, testimonials and/or other message or communication facilities designed to enable you to exchange thoughts and opinions with other members of the public ("Public Content"). Since ICO firmly believes in the value of free and open exchanges, it makes no effort and is under no obligation to monitor, pre-screen, or otherwise censor such thoughts and opinions. Therefore, ICO cannot guarantee the appropriateness, accuracy, sufficiency, correctness, veracity, completeness or timeliness of such thoughts and opinions. You are responsible for confirming the sufficiency and reliability of any such thoughts or opinions you may use or rely upon. If you wish to inform ICO of any Public Content that may indicate copyright infringement by any person or entity, Pursuant to Title 17, United States Code, Section 512(c)(2), if you wish to inform ICO of any suspected copyright infringement please forward your notification to.

ICO
ATTN: Legal Department
3645 Market Place Blvd, Ste 130-296
East Point, GA 30344
678-318-1773 Ext 3

Disclaimer

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF AND REliANCE UPON ANY AND ALL INFORMATION, INCLUDING BUT NOT liMITED TO ICO CONTENT, AFFIliATE CONTENT, AND PUBliC CONTENT, PROVIDED BY ICO THROUGH THE ICO WEBSITES IS AT YOUR SOLE RISK. SUCH INFORMATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ICO MAKES NO EXPRESS OR IMPliED REPRESENTATIONS, WARRANTIES, OR GUARANTEES WITH REGARD TO THE APPROPRIATENESS, ACCURACY, SUFFICIENCY, CORRECTNESS, VERACITY, VALUE, COMPLETENESS, OR TIMEliNESS OF SUCH INFORMATION. ICO 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. ICO SHALL HAVE NO liABIliTY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR REliANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE ICO WEBSITES IS DONE AT YOUR OWN DISCRETION AND RISK AND 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.

Services Provided Through The ICO Websites

Non-Commercial Services

ICO provides through the ICO Websites a number of venues in which interactive services ("Interactive Services"), such as on-line calculators, planning tools, and checklists, are offered to you. Such services are offered by ICO for the sole purpose of disseminating information for the public's benefit. ICO cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such services. You are responsible for confirming the sufficiency and reliability of any such service.

THE INFORMATION CONTAINED IN AND PROVIDED THROUGH ICO INTERACTIVE SERVICES ARE NOT INTENDED NOR IMPliED TO BE A SUBSTITUTE FOR PROFESSIONAL ADVICE. ICO MAKES NO EXPRESS OR IMPliED REPRESENTATION, WARRANTY OR GUARANTEE IN CONNECTION WITH THE INFORMATION CONTAINED IN AND PROVIDED THROUGH SUCH SERVICES, INCLUDING THE APPROPRIATENESS, ACCURACY, CORRECTNESS, VERACTIY, VALUE, SUFFICIENCY, TIMEliNESS, OR COMPLETENESS OF THE DATA, METHODS AND OTHER INFORMATION CONTAINED IN AND PROVIDED THROUGH SUCH SERVICES. ICO 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 WITH REGARD TO SUCH SERVICES. ICO SHALL HAVE NO liABILITY TO YOU OR ANY OTHER USER OF SUCH SERVICES OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY ANY ERROR OR OMISSION, OR ARISING OUT OF, OR IN CONNECTION WITH, THE INFORMATION CONTAINED IN OR PROVIDED THROUGH SUCH SERVICES. IN NO EVENT WILL ICO BE liABLE TO ANY USER OF SUCH SERVICES OR TO ANY THIRD PARTY FOR ANY DECISION MADE OR ACTION TAKEN BY ANY USER OF SUCH SERVICES OR ANY THIRD PARTY IN REliANCE UPON THE INFORMATION CONTAINED IN OR PROVIDED THROUGH SUCH SERVICES. A USER'S SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH SUCH A SERVICE IS TO STOP USING THE SERVICE.

Third-Party Services

A number of commercial services, such as financial and contractor services, are offered by third parties through the ICO Web Sites. You acknowledge that by permitting such services to be offered through the ICO Websites, ICO is acting as a passive conduit for the transmission to such third parties of any information related to such services that you submit to ICO. In order for ICO to distribute your information and facilitate contacts between you and such third parties, you hereby grant ICO permission to disclose any and all of the information that you provide to ICO to any such third party that ICO, in its sole discretion, deems relevant and appropriate.

Any information that you provide to ICO must be true, complete, and accurate, must not represent you as someone else or falsely identify you, and must not violate any law, statute, ordinance or regulation. You are solely responsible for such information and for all of the terms and conditions of transactions between you and such third parties, including, without limitation, terms regarding warranties, insurance, fees, taxes, titles and licenses. You must not submit a request for a third party service through the ICO Websites unless you intend, in good faith, to contract with such third party for the use of such service.

ICO is not and will not be responsible for (i) the terms and conditions of any transaction between you and any third party, (ii) any insufficiency of or problems with any such third party's background, insurance, credit or licensing, or (iii) the quality of services performed by any such third party or any other legal liability arising out of or related to the performance of such services. In the event that you have a dispute with any such third party, you release ICO (and its affiliates, agents and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.

General Terms

This Agreement is governed by the laws of the State of Georgia, U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts sitting in Georgia, in all disputes arising out of or relating to the use of the ICO Websites. Use of the ICO Websites is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and ICO as a result of this Agreement or use of the ICO Websites. ICO performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of ICO right to comply with governmental, court and law enforcement requests or requirements relating to your use of the ICO Websites or information provided to or gathered by ICO with respect to such use. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect. Unless otherwise specified herein, this Agreement constitutes the entire agreement between you and ICO with respect to the ICO Websites and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and ICO with respect to the ICO Websites. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBliSHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. ICO, ITS AFFIliATES AND/OR ITS RESPECTIVE SUPPliERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME.

IN NO EVENT SHALL ICO AND/OR ITS SUPPliERS BE liABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT liMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE ICO WEBSITES, WITH THE DELAY OR INABIliTY TO USE THE ICO WEBSITES OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE ICO WEBSITES, OR OTHERWISE ARISING OUT OF THE USE OF THE ICO WEB SITES, WHETHER BASED ON CONTRACT, TORT, NEGliGENCE, STRICT liABIliTY OR OTHERWISE, EVEN IF ICO OR ANY OF ITS SUPPliERS HAS BEEN ADVISED OF THE POSSIBIliTY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR liMITATION OF liABIliTY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE liMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE ICO WEBSITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE ICO WEBSITES.

Refund/Exchange Policy

All transactions are considered final once the Credit Card approval is received. The number of times a client uses or does not use our service in no way predicates a Refund. No Partial or Pro-rated Refunds will be garnered. Not having read or asked for confirmation of these statements is not grounds for a change/exception to the aforementioned policy.

The access to Data/Online Consultation is unlimited and may be used from any internet/web based computer or PDA. Please call customer service at 678-318-1773 Ext 3 for questions regarding our Refund/Exchange Policy.

Service/Order Cancellation Policy

Please submit any cancellation via email to cancel@investorcomps.com, or call on our business phone at 678-318-1773 Ext 3.

Email cancellations must contain the following: First name, last name, service plan, and email address. This information must be identical to the information originally submitted on your order. Please provide contact information so that we may contact you if we have questions in regards to canceling your order.

Every effort will be made to accommodate the cancellation of your order, providing your next month’s service cycle has not been charged. In the event that a cancellation was submitted (via email or phone), and your service was continued, we will gladly refund the complete balance charged for the most recent billing cycle. However, if the cancellation was documented as received after a new service cycle has begun no refund will be forthcoming. Service/Order Cancellation Policy. One free trial per twelve month period.

Final General Terms

You agree to indemnify, defend and hold harmless ICO its partners, affiliates, subsidiaries and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

All materials on the ICO Websites (as well as the organization and layout of the ICO Websites) are owned and copyrighted or licensed by ICO, its affiliates or its suppliers. Copyright © 2006-2007 ICO. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials at the ICO Websites is permitted without the written permission of ICO. Any rights not expressly granted herein are reserved.

Trademarks referenced on the ICO Websites, including, but not limited to ICO, are either trademarks or registered trademarks of ICO., its affiliates or its suppliers.

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

ICO

ATTN: Legal Department
3645 Market Place Blvd, Ste 130-296
East Point, GA 30344
678-318-1773 Ext 3

* Including, but not limited to ICO, HomeFirst and Gray Hunnicutt