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<strong>PRIVACY POLICY & CONDITIONS OF USE</strong>

<p> Instappraisal.com is owned and operated by EnsuredIO, Inc. ("EnsuredIO"). Your privacy on the Internet is of the
utmost importance to us. At Instappraisal.com, we want to make your
experience online satisfying and safe. Because we gather certain types
of information about our users, we feel you should fully understand our
policy and the terms and conditions surrounding the capture and use of
that information. This privacy statement discloses what information we
gather and how we use it.</p> <p>INFORMATION INSTAPPRAISAL.COM GATHERS
AND TRACKS <br /> Instappraisal.com gathers two types of information
about users: * Information that users provide through optional,
voluntary submissions. These are voluntary submissions to receive our
electronic newsletters, to participate in our message boards or forums,
to email a friend, and from participation in polls and surveys: *
Information Instappraisal.com gathers through aggregated tracking
information derived mainly by tallying page views throughout our sites.
This information allows us to better tailor our content to readers'
needs and to help our advertisers and sponsors better understand the
demographics of our audience. Because Instappraisal.com derives its
revenue mainly from sponsorships and advertising, providing such
aggregated demographic data is essential to keeping our service free to
users. Under no circumstances does Instappraisal.com divulge any
information about an individual user to a third party. Instappraisal.com
Gathers User Information In The Following Processes: Optional Voluntary
Information We offer the following free services, which require some
type of voluntary submission of personal information by users: Privacy
Policy Sample The following is a list of different policies which can be
edited to remove the parts of the policy that are not needed. You should
also add anything to this policy template that you may have on your
site.</p> <p>1. Electronic newsletters policy (Dispatches)<br /> We will
offer a free electronic newsletter to users. Instappraisal.com gathers
the email addresses of users who voluntarily subscribe. Users may remove
themselves from this mailing list by following the link provided in
every newsletter that points users to the subscription management page.
Users can also subscribe to the newsletters at the time of
registration.</p> <p>2. Message boards/forums policy<br /> Users of the
site's Message Boards and Forums must register separately for these
services (both are free of charge) in order to post messages, although
they needn't register to visit the site. During registration the user is
required to supply a username, password, and email address. It is
STRONGLY recommended that you do not supply your real name for your
username!</p> <p>3. &quot;E-mail this to a friend&quot; policy<br /> Our
site users can choose to electronically forward a link, page, or
documents to someone else by clicking &quot;e-mail this to a
friend&quot;. The user must provide their email address, as well as that
of the recipient. This information is used only in the case of
transmission errors and, of course, to let the recipient know who sent
the email. The information is not used for any other purpose. </p> <p>4.
Polling<br /> We may offer interactive polls to users so they can easily
share their opinions with other users and see what our audience thinks
about important issues. Opinions or other responses to polls are
aggregated and are not identifiable to any particular user.
Instappraisal.com may use a system to &quot;tag&quot; users after they
have voted, so they can vote only once on a particular question. This
tag is not correlated with information about individual users.</p> <p>5.
Surveys<br /> Instappraisal.com may occasionally conduct user surveys to
better target our content to our audience. We sometimes share the
aggregated demographic information in these surveys with our sponsors,
advertisers and partners. We never share any of this information about
specific individuals with any third party.</p> <p>6. Privacy Policy
Template<br /> The policy clause about children below is becoming more
important as it is nearly impossible to tell the age of any visitor. We
recommend adding this sample line to all your forms that request
information. Children Consistent with the Federal Children's Online
Privacy Protection Act of 1998 (COPPA), we will never knowingly request
personally identifiable information from anyone under the age of 13
without requesting parental consent.</p> <p>7. Usage tracking<br />
Instappraisal.com tracks user traffic patterns throughout all of our
sites. However, we do not correlate this information with data about
individual users. Instappraisal.com does break down overall usage
statistics according to a user's domain name, browser type, and MIME
type by reading this information from the browser string (information
contained in every user's browser). Instappraisal.com sometimes tracks
and catalogs the search terms that users enter in our Search function,
but this tracking is never associated with individual users. We use
tracking information to determine which areas of our sites users like
and don't like based on traffic to those areas. We do not track what
individual users read, but rather how well each page performs overall.
This helps us continue to build a better service for you.</p> <p>8.
Cookies<br /> We may place a text file called a &quot;cookie&quot; in
the browser files of your computer. The cookie itself does not contain
Personal Information although it will enable us to relate your use of
this site to information that you have specifically and knowingly
provided. But the only personal information a cookie can contain is
information you supply yourself. A cookie can't read data off your hard
disk or read cookie files created by other sites. Instappraisal.com uses
cookies to track user traffic patterns (as described above). Our
advertising system delivers a one-time cookie to better track ad
impressions and click rates. You can refuse cookies by turning them off
in your browser. If you've set your browser to warn you before accepting
cookies, you will receive the warning message with each cookie. You do
not need to have cookies turned on to use this site. However, you do
need cookies to participate actively in message boards, forums, polling
and surveys.</p> <p>USE OF INFORMATION<br /> Instappraisal.com uses any
information voluntarily given by our users to enhance their experience
in our network of sites, whether to provide interactive or personalized
elements on the sites or to better prepare future content based on the
interests of our users. As stated above, we use information that users
voluntarily provide in order to send out electronic newsletters and to
enable users to participate in polls, surveys, message boards, and
forums. We send out newsletters to subscribers on a regular schedule
(depending on the newsletter), and occasionally send out special
editions when we think subscribers might be particularly interested in
something we are doing. Instappraisal.com never shares newsletter
mailing lists with any third parties, including advertisers, sponsors or
partners. When we use tracking information to determine which areas of
our sites users like and don't like based on traffic to those areas. We
do not track what individual users read, but rather how well each page
performs overall. This helps us continue to build a better service for
you. We track search terms entered in Search function as one of many
measures of what interests our users. But we don't track which terms a
particular user enters. Instappraisal.com creates aggregate reports on
user demographics and traffic patterns for advertisers, sponsors and
partners. This allows our advertisers to advertise more effectively, and
allows our users to receive advertisements that are pertinent to their
needs. Because we don't track the usage patterns of individual users, an
advertiser or sponsor will never know that a specific user clicked their
ad. We will not disclose any information about any individual user
except to comply with applicable law or valid legal process or to
protect the personal safety of our users or the public.</p> <p>SHARING
OF THE INFORMATION<br /> Instappraisal.com uses the above-described
information to tailor our content to suit your needs and help our
advertisers better understand our audience's demographics. This is
essential to keeping our service free. We will not share information
about individual users with any third party, except to comply with
applicable law or valid legal process or to protect the personal safety
of our users or the public.</p> <p>SECURITY<br /> Instappraisal.com
operates secure data networks protected by industry standard firewall
and password protection systems. Our security and privacy policies are
periodically reviewed and enhanced as necessary and only authorized
individuals have access to the information provided by our
customers.</p> <p>OPT-OUT POLICY<br /> We give users options wherever
necessary and practical. Such choices include:</p> <p>* Opting not to
register to receive our electronic newsletters.</p> <p>* Opting not to
participate in certain interactive areas, which completely alleviates
the need to gather any personally identifiable information from our
users</p>
<p>RIGHTS &amp; OWNERSHIP OF CONTENT<br>
All content on Instappraisal is copyright EnsuredIO, Inc. and no content, images, text, data, or similar can be used in any form without prior written permission to use such content. It is not permitted to retransmit any Instappraisal.com content to any other website, whether manually copying, scraping the content via software, or via an RSS reader or other tool. Any use of Instappraisal.com content without permission will be strongly prosecuted. Any rights granted by EnsuredIO, Inc. to another entity to use content on Instappraisal.com will be for non-commercial use only. To request use of any content on Instappraisal.com you can write to: </p>
<p>EnsuredIO<br>
10736 Jefferson Blvd., Suite 132<br>
Culver City, California<br>
USA <br>
Att: Legal
<p>Please include the reason that you wish to use Instappraisal.com content and your contact information.
<p>INSTAPPRAISAL ACCEPTABLE USE POLICY (AUP)<br>
Using
Instappraisal is a privilege and not a right. Instappraisal staff and
owners reserve the right to choose who may or may not use Instappraisal
and thus have the right to delete any content, user accounts, or
information as they see fit. Instappraisal values its good reputation.
Accordingly, it is important to us that our customers use our services
and the Internet in general, responsibly and courteously. Most of our
customers do so and seldom need to refer to our AUP. Nonetheless, the
following constitute examples of unacceptable uses of Instappraisal
services, which will result in suspension, or termination of the
customer's account:
<p>AFFRONTS TO ETIQUETTE<br> Unacceptable activities
include spamming (sending unsolicited advertising to those with which
the customer has no existing business relationship, posting off-topic
advertising in newsgroups); spoofing (using a return email address which
is not the valid reply address of the sender or sending an email message
which does not contain enough information to enable the recipient to
identify the party who is really sending the message; passive spamming
(promoting a web site hosted by Instappraisal by spamming from some
other source), trolling (posting controversial messages in newsgroups to
generate responses), mailbombing (inundating a user with email without
any serious intent to correspond), generating a higher volume of
outgoing mail than a normal user (over 10% of available system
resources), and subscribing someone else to an electronic mailing list
without that person's permission. A message is considered unsolicited if
it is posted in violation of a newsgroup charter or sent to a recipient
who has not requested the message. Making an email address available to
the public does not constitute a request to receive messages.
Distribution of mass emailing programs is also prohibited. All
recipients on a mailing list must have personally subscribed.

Mailing lists may not be used to distributed unsolicited email. Any
customer repeatedly "mailbombed" or that attracts such behavior will be
asked to leave and charged a sum of $300 equivalent as the same amount
under the agreement with our datacenter will be payable by us to them.
If you are not sure if your actions will be in violation, please ask
first ([email protected]). <p>AGE<br> The client must be 18
years of age to obtain our service. <p>ABUSE OF THE LEGAL RIGHTS OF
OTHERS<br> Examples of unacceptable activities in this regard include
posting private information about a person without their consent,
infringing intellectual property rights, defaming a person or business,
and knowingly making available code which will have a deleterious effect
on third party computers. Instappraisal supports free speech on the
Internet, and will not suspend or cancel a customer's account simply
because it disagrees with the views expressed by the customer. Where
there are allegations that a customer's on-line activity has violated
the legal rights of a third party, Instappraisal will not substitute
itself for a court of law in deciding tort claims raised by the third
party. <p>ABUSE OF THE LAW<br> Instappraisal's services may be used for
lawful purposes only. Illegality includes but is not limited to: drug
dealing; attempting without authorization to access a computer system;
pirating (distributing copyrighted material in violation of copyright
law, specifically MP3s, MPEG's, ROMs, and ROM emulators); gambling;
schemes to defraud; trafficking in obscene material; sending a message
or having content that is obscene, lewd, lascivious, filthy, or indecent
with intent to annoy, abuse, threaten, or harass another person;
threatening bodily harm or damage to individuals or groups; violating
U.S. export restrictions; stalking; or violating other state or federal
law of USA such as the Electronic Communications Privacy Act, the
Computer Fraud and Abuse Act, or the Economic Espionage Act. Linking to
illegal material is also prohibited. Anything violating Indian Laws will
also be considered as abuse of our services and the person indulging in
the same will be considered totally liable for his acts. On finding this
we will discontinue the services immediately and inform the same to the
Law enforcement agencies to take care of the situation. This will not
arise any liability on Instappraisal or any of its associates, partners
or suppliers. Instappraisal reserves the right to check system files,
email, and other data on our servers for illegal content and materials,
or for any other reasons deemed necessary. <p>PORNOGRAPHY<br>
Pornography and sex-related merchandising, or links to such material,
even if legal, is not an acceptable use of Instappraisal servers.
<p>ABUSE OF INSTAPPRAISAL SERVER RESOURCES<br> Running programs in the
background on a our servers without our prior written authorization, or
running chat rooms, Internet Relay Chat, IRC bots, affiliate sites,
software downloading sites, more then 1000 emails a day and the like are
not acceptable uses of Instappraisal services. Further, any usage of ten
percent (10%) or more of our system resources is an undue burden on our
system and is unacceptable. If your usage ever exceeds ten percent (10%)
of system resources, your account may be terminated immediately and
without prior notice. In addition any domain that exceeds ten gigabytes
of bandwidth traffic can be terminated without prior notice. Usage of
scripts or other utilities to direct pointed domain names to
subdirectories is not permitted and is grounds for termination of the
account. <p>HACKING/CRACKING<br> Instappraisal reserves the right to
report illegal activities to any and all regulatory, administrative,
and/or governmental authorities for prosecution. The following examples
of unacceptable behavior are non-exclusive, and are provided for
guidance purposes. If you are unsure if your actions will be a violation
of our policies please contact [email protected]. Server
broadcast messages or any message sent on an intrusive basis to any
directly or indirectly attached network.

Attempt to circumvent any user authentication or security of host,
network, or account. Accessing data not intended for user. Probing the
security of any network. Spawning dozens of processes. Port scans, ping
floods, packet spoofing, forging router information, Denial of Service
attacks, sniffers, flooding, spoofing, ping bombing, smurfs, winnuke,
land & teardrop. Promulgation of viruses. IRC bots such as eggdrop or
BitchX Any activity, whether or not the intrusion results in the
corruption or loss of data, will be investigated and proper action
taken. The presence of any of these programs, whether or not run, will
result in action against the user including suspension or termination.
<p>CLIENT RESPONSIBILITY<br> The client is responsible for all activity
originating from the account unless proven to be a victim of outside
hacking or address forgery. The client is responsible for securing their
username/password. The client assumes responsibility for all material on
their site that may be put on by a third party (such as the usage of
Free For All links pages). Use of Instappraisal's service requires a
certain level of knowledge in the use of Internet languages, protocols,
and software. This level of knowledge varies depending on the
anticipated use and desired content of the web space by the client. The
client agrees that he or she has the necessary knowledge to create and
maintain their web space including use of HTML, CGI, FTP & Email. The
client agrees that it is not the responsibility of Instappraisal to
provide this knowledge or support outside matter specific to
Instappraisal's servers. Support will only be provided to the Company
placing the order on us, we shall not support customers of resellers to
whom the space is further resold by the reseller.

We do not offer technical support to walkin customers at our office.
Technical support is only provided through emails to
[email protected] <p>BACKUPS<br> No guarantees are made of any
kind, either expressed or implied, as to the integrity of these backups.
Backups are made for server restoration purposes only. It is the
clients' responsibility to maintain local copies of their web content
any information. If loss of data occurs due to an error of
Instappraisal, we will attempt to recover the data for no charge to the
client but does not guarantee its recovery. If data loss occurs due to
negligence of client in securing their account or by an action of the
client, Instappraisal will attempt to recover the data from the most
recent archive, but no guarantees are given. <p>IP NUMBERS<br>
Instappraisal maintains control and any ownership of any and all I.P.
numbers and addresses that may be assigned to the client and reserves in
its sole discretion the right to change or remove any and all IP numbers
and addresses. <p>OWNERSHIP OF THIS WEB SITE AND USE OF WEB SITE
MATERIALS<br> This Web site is owned and operated by Instappraisal, a
EnsuredIO company. All data or information contained
in this Web site is and shall remain the exclusive property of
Instappraisal and EnsuredIO. By using this Web site, you agree to
respect the ownership rights and rules of use of Instappraisal and
EnsuredIO including the right of Instappraisal and EnsuredIO.
to monitor this Web site at any time and the right of Instappraisal and
EnsuredIO to process, retain, copy and, subject to our confidentiality
policy and applicable laws or regulations, use and disclose any
information you may provide to Instappraisal and EnsuredIO through this
Web site.. You agree not to copy, download, disclose, distribute,
transfer, publish, or e-mail any Instappraisal and EnsuredIO data
without the prior, written consent of Instappraisal and EnsuredIO, or
as further expressly authorized in this "Ownership" section. You are not
authorized to download any Instappraisal or EnsuredIO data on this Web
site for personal use, or for any commercial purpose. <p>COOPERATION,
AND RELEASE OF DATA<br> By accessing or using this Web site, you agree
to cooperate fully with Instappraisal and EnsuredIO to promote the
proper use and working of the Web site, and to identify, report or
investigate any improper use or conduct in connection with the Web site.
You agree to promptly report to Instappraisal and EnsuredIO any
improper use of the Web site or Instappraisal or EnsuredIO data, or any
improper or unauthorized content or information displayed within the Web
site.

If you enter any data, including appraisal requests, images, or if you
complete appraisals on any Web page or location within this Web site, or
otherwise provide data in response to the Web site or in connection
therewith, you authorize the release of such data to Instappraisal and
EnsuredIO and to all affiliated companies, employees or agents of
Instappraisal and EnsuredIO whose access to such data is related to the
business operations of Instappraisal and EnsuredIO or its affiliated
companies. This authorization for release of data is subject to the
confidentiality policies of Instappraisal and EnsuredIO, and
requirements of applicable laws and regulations. While Instappraisal and
EnsuredIO will treat personally-identifiable data you may enter or
submit via this Web site as confidential to Instappraisal and EnsuredIO
and its affiliated companies, Instappraisal and EnsuredIO cannot and
does not guarantee that data you enter or submit on this Web site is
secure or will not be accessible to unauthorized third parties or
unintended recipients.

<p>LIMITATION OF LIABILITY<br>
No warranty on quality, reliability, accuracy or expertise of an appraiser (also known as
"InstAppraisal Experts") on the InstAppraisal site is implied or expressed in any way.<br><br>
Appraisals are offered for entertainment purposes only. All items appraised on InstAppraisal should
be reviewed in person by a bonafide and certified professional appraiser. Any valuations
given for an appraisal completed on InstAppraisal are provided for entertainment purposes
only and any valuation should be verified in person by a bonafide professional and
certified expert appraiser.<br><br>

No warranty on quality, reliability, accuracy, or valuation of an appraisal
(free, paid, "InstAppraisal Advantage", "InstAppraisal Ultimate") on the InstAppraisal site is
implied or expressed in any way. The quality of an appraisal request, including any information
about valuation, the item's value, authenticity, the item's history or any dates or
provenance must be verified by the customer or user by a bonafide professional
appraisal resource outside of InstAppraisal.<br><br>

No warranty on any content, comments, or text on the InstAppraisal.com website is implied
or expressed in any way. All information on the InstAppraisal.com website
is for entertainment purposes only and is provided to allow other users to share
their own personal opinions. The content and opinions expressed by the users of
Instappraisal.com are not verified or validated by InstAppraisal or its companies.
As such, any and all informaiton on the InstAppraisal website is the sole opinion of each
invdividual user only and in no way represent the opinions of Instappraisal, its staff or
its companies. All content, data, and information appearing on the InstAppraisal
website must be verified for accuracy by a means outside of the InstAppraial website.<br><br>

Instappraisal shall not be responsible
for any claimed damages, including incidental and consequential damages,
which may arise from Instappraisal's servers going off-line or being
unavailable for any reason whatsoever. Further, Instappraisal shall not
be responsible for any claimed damages, including incidental or
consequential damages, resulting from the corruption or deletion of any
web site/database from one of Instappraisal's servers. All damages shall
be limited to the immediate termination of service. Instappraisal shall
be the sole arbiter of what is and is not a violation of these
acceptable use policies. Instappraisal reserves the right to terminate
an account at any time and for any reason that causes harm to any
Instappraisal customer's web sites, to the InstAppraisal.com website,
or any of its subsidiaries. Any user postings, images, responses, links,
text, etc. that are in any way construed by Instappraisal as damaging
to its brand, identity, or to its company or affiliated companies,
will be fully prosecuted. Any and all content, accounts, information,
etc. submitted by InstAppraisal users can be deleted by Instappraisal
without notification or consent of customer. Instappraisal reserves the
right to delete all content and files upon termination of accounts.
Instappraisal reserves the right to withhold any pre-paid funds for any site
removed for violations of these policies. Instappraisal reserves the right to
refuse, cancel, or suspend service at our sole discretion. Instappraisal
reserves all rights to change/modify/remove or add any of the prices,
server features, timely schemes, web sites/other information hosted by
any of the customers on our server which is defined as
illegal/unsolicited use of our server space or other facilities as and
when announced. <p>Any items listed as available for sale by an
Instappraisal member (e.g. in appraisals, classified ad, etc.) are the
sole responsibility of the seller and buyer or party interested in
buying/selling such item. Instappraisal and EnsuredIO is not a third
party selling an item on behalf of the member and is not liable for any
responsbility regarding the item being offered for sale or any part of
the transaction of purchasing an item from another Instappraisal member.
By engaging in a transaction to buy or sell an item listed on the
Instappraisal web site the full responsibility for all aspects of the
transaction, the item being sold, the representation made forth, and any
other aspect regarding a buyer/seller relationship remain the full
responsibility of each individual party. <p>Independent appraisers
listed on Instappraisal are in no way affiliated with Instappraisal or
EnsuredIO. Doing business with an appraiser listed on Instappraisal
is the sole responsbility of the party seeking the appraisal and the sole responsibility
of the appraiser. By engaging in a transaction to appraise, have an item appraised, or
buy or sell a classified item, no representation or responsiblity by Instappraisal or
EnsuredIO is made. If a member reuses another member's content (images,
information, etc.) or posts any trademarked or copyrighted information then
Instappraisal retains the full rights to decide whether to remove such an item or not.
Any relationship between the appraiser and the party requesting the
appraisal is the sole responsibility of each party. <p>ILLEGAL ITEMS
AND ITEMS DEEMED TO BE IN &quot;POOR TASTE&quot; <br /> Any items deemed
illegal, such as animal trade items (e.g. big game trophies, elephant
tusks, ivory, protected species, animal skins, etc.) are not allowed to
be posted on Instappraisal. If such items are uploaded to the system
they will be deleted as soon as possible and the user who posted such
items will be deleted from the Instappraisal system. Ivory items also
cannot be posted on Instappraisal regardless of whether they are
identified as being &quot;pre-ban&quot; or not. Instappraisal
absolutely will not tolerate the illegal trade of animal items. Items
that are legal, but are considered to &quot;be in poor taste&quot; are
at the discretion of Instappraisal staff whether to be allowed to be
posted or not. If you must question whether your item is in good taste
or not, it is better to assume that it is not in good taste and to not
upload it to the system in the first place. <p>ABUSIVE CONDUCT<br> 1.
Any abuse towards any Instappraisal employee, representative, web site
user, etc. will not be tolerated. You are expected to request and
respond to posts and other issues in a professional manner. When
corresponding with or on Instappraisal refrain from using caps,
exclamation points, and other forms of written yelling. Any cursing,
yelling, or further intentional disruptive behavior aimed at
Instappraisal, it's employees, members, visitors, etc. shall be
considered a violation of this Acceptable usage Policy. 2. Any threat,
whether verbally, orally, written, or delivered by client/second parties
directed towards Instappraisal's partner or any of it's employees,
Managers, Consultants, equipment, and concerns shall be construed as a
violation of this Acceptable usage Policy. 3. Any conduct viewed as
violating this section shall be considered a violation of this
Acceptable usage Policy. Instappraisal will be the sole arbitrator in
regards to what is deemed a violation.

No refunds shall be given when the contents of this section necessitates
removal of the account <p>YOUR CONSENT<br /> By using this site, you
consent to the collection and use of this information by
Instappraisal.com. If we decide to change our privacy policy, we will
post those changes on this page so that you are always aware of what
information we collect, how we use it, and under what circumstances we
disclose it.
</p>

<p>COPYRIGHTS AND TRADEMARKS<br> Instappraisal and related terms, including
but not limited to Instappraiser, Instappraise, and variations of are copyrights and trademarks
of Instappraisal, a EnsuredIO, Inc. company.
</p>

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