TERMS OF USE: By using HanoverFinancialServices.com, you agree, without limitation or qualification, to be bound by, and to comply with, these Terms of Use and any other posted guidelines or rules applicable.

CONTENT ON HanoverFinancialServices.com: The content available through Hanover Financial Services is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Content received through Hanover Financial Services may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, re-post, distribute, sell, publish, broadcast, create derivative works from, perform or in any way commercially exploit any of the content, or infringe upon trademarks or service marks displayed or received through HanoverFinancialServices.com, including but not limited to others in the same company or organization, without Hanover Financial Services prior express written consent.

The website contains links to other related World Wide Web Internet sites and resources. Hanover Financial Services is not responsible for the availability of these outside resources, or their contents, nor does Hanover Financial Services endorse nor is Hanover Financial Services responsible for any of the contents, advertising, products or other materials on such sites. Under no circumstances shall Hanover Financial Services be held responsible or liable, directly or indirectly, for any loss or damages caused or alleged to have been caused by use of or reliance on any content, goods or services available on such sites. Any concerns regarding any external link should be directed to its respective site administrator or webmaster.

MEMBER RULES: Subscription: You agree to provide accurate, complete and current information as prompted during the Subscription process, and to maintain and update your e-mail address to keep it accurate, complete and current. Subscribers may maintain only one active subscription with HanoverFinancialServices.com.

You may cancel your subscription by sending an e-mail to unsubscribe@HanoverFinancialServices.com

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY: THIS SITE IS PROVIDED BY HANOVER FINANCIAL SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS. HANOVER FINANCIAL SERVICES MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, HANOVER FINANCIAL SERVICES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. HANOVER FINANCIAL SERVICES DOES NOT WARRANT THAT THIS SITE, IT’S SERVERS, OR E-MAIL SENT FROM HANOVER FINANCIAL SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. HANOVERFINANCIALSERVICES.COM, ITS MEMBERS, MANAGERS, OWNERS, AGENTS AND EMPLOYEES 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.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

INDEMNIFICATION: You agree to indemnify and hold Hanover Financial Services, its officers, directors, owners, agents and employees, harmless from any claim or demand, including reasonable attorneys fees, made by any third party due to or arising out of your use of the website, the violation of these Terms of Use by you, or the infringement by you, or other user of the website using your computer, of any intellectual property or other right of any person or entity. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

TERMINATION: Should you object to any terms and conditions of these Terms of Use or any subsequent changes to the terms and conditions or become dissatisfied with Hanover Financial Services in any way, your only recourse is to immediately discontinue use of Hanover Financial Services and terminate your subscription by notifying HanoverFinancialServices.com. Do this by sending an e-mail to: unsubscribe@HanoverFiancialServices.com

LAWS: The Terms of Use are governed by and construed in accordance with the laws of the State of Colorado and the intellectual property laws of the United States.

The Terms of Service for Hanover Financial Services is entered into and shall be deemed wholly performed in Boulder, Colorado and shall in all respects be governed by and construed in accordance exclusively with the laws of the State of Colorado applicable to contracts made and to be entirely performed therein without regard to principles of conflicts of law. The parties specifically agree that the state or federal courts in Boulder, Colorado, shall have personal and subject matter jurisdiction and exclusive venue with respect to any and all disputes in connection herewith.

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of data exported from the United States or the country in which you reside.

DISCLAIMER: By registering at HanoverFinancialServices.com, you agree to have read the disclaimer.

PRIVACY POLICY: Your use of our site is subject to our privacy policy. You have read the privacy policy and it is reasonable and acceptable to you. Your acceptance of these Terms is also your consent to the information practices in our privacy policy.

MODIFICATION OF THESE TERMS OF USE: Hanover Financial Services reserves the right, at is discretion, to change, modify, add or remove all or part of the Terms of Use at any time.

COPYRIGHT NOTICES: All contents on www.HanoverFinancialServices.com website are: Copyright (c) 2012 Hanover Financial Services and/or its suppliers. All rights reserved.