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Attention: Copyright Agent
U.S. News & World Report L.P.
129 West 29th Street, 11th Floor
New York, NY 10001
(t) 212.210.6390
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Subject to applicable laws, the U.S. News Group may send text messages. Our text message program is governed by theU.S. News SMS Terms of Service, which are incorporated into these Terms and Conditions by reference.

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Third Party Insurance Services

We provide links and collect information related to insurance services to facilitate your submission of an application to an unaffiliated insurance broker or agent, to enable you to obtain a quote through use of theusnews.com website (the“Insurance Services”). Submission of information to obtain a quote through the usnews.com website establishes a relationship between you and the insurance broker or agent and any carrier issuing a policy or quote to you. Any questions on the terms of the policy or quote or related to insurance coverage options will be provided by the unaffiliated insurance broker or agent, and not the U.S. News Group. Your insurance policy and quote are governed by the terms set forth in the broker or agent’s terms of service or your insurance policy (“Insurance Agreements”). The U.S. News Group is not a party to such Insurance Agreements and will not be liable to you for any damages related to, or arising out of, such Insurance Agreements, the Insurance Services or your submission of a quote through the usnews.com website. These Terms and Conditions will not change or alter any Insurance Agreements between you and the unaffiliated insurance broker, agent or carrier.

All quotes generated by the unaffiliated insurance broker, agent or carrier are estimates based upon the information you provided and are not a contract, binder or agreement to extend insurance coverage. Any coverage descriptions provided on the usnews.com website are general descriptions of available coverages made by the unaffiliated insurance broker, agent or carrier and are not a statement of contract. To obtain coverage, you must submit an application which will be provided to the unaffiliated broker, agent or carrier, and all applications are subject to such party’s approval.

USN Insurance Agency Services

USN Insurance Agency, LLC (“USN Insurance Agency”) offers Insurance Services as a producer through the USN Insurance Agency website atusninsurance.com. Any Insurance Services offered by USN Insurance Agency will be governed by the terms and conditions attached to those Insurance Services, including any payment and liability provisions, and the U.S. News Group and USN Insurance Agency will not be liable for any Insurance Services offered through the USN Insurance Agency website unless such liability is expressly noted in these Terms and Conditions or your Insurance Agreement with USN Insurance Agency.

As part of the Insurance Services offered by USN Insurance Agency, it may offer you quotes for insurance. All quotes generated by USN Insurance Agency are estimates based upon the information you provided and are not a contract, binder or agreement to extend insurance coverage. Any coverage descriptions provided on the USN Insurance Agency website are general descriptions of available coverages and are not a statement of contract. To obtain coverage, you must submit an application to USN Insurance Agency, and all applications are subject to the underwriter’s approval.

USN Insurance Agency reserves the right, but is not obligated, to limit the sales of Insurance Services to any person, geographic region or jurisdiction. USN Insurance Agency may exercise this right on a case-by-case basis. USN Insurance Agency reserves the right to limit the quantities of any products or services that it offers. All descriptions of products, services and pricing are subject to change at any time without notice, at USN Insurance Agency’s sole discretion. USN Insurance Agency reserves the right to discontinue any product or service at any time. Any offer for any product or service made on the USN Insurance Agency website is void where prohibited.

By accessing the U.S. News Services, you specifically acknowledge and agree that: (a) Associated Press text, photo, graphic, audio and/or video material shall not be published, broadcast, rewritten for broadcast or publication or redistributed directly or indirectly in any medium; (b) no Associated Press materials nor any portion thereof may be stored in a computer except for personal and non-commercial use; (c) the Associated Press will not be liable for any delays, inaccuracies, errors or omissions in any Associated Press materials or in the transmission or delivery of any part thereof or for any damages arising therefrom or occasioned thereby; (d) the Associated Press is an intended third party beneficiary of these terms and conditions, and it may exercise all rights and remedies available to it; and (e) the Associated Press reserves the right to audit your use of Associated Press materials or any portion thereof at any time.

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Some of the features included in the U.S. News Services are provided by third parties. The companies that the U.S. News Group selects as service providers offer products and services that site visitors may find useful. The U.S. News Group in certain cases may have a business relationship with the third parties that it selects as service providers. The U.S. News Group is not responsible for the accuracy or reliability of any advice or information given, or of any statement made, by the companies providing featured services, or for the content, services, products, or advertising on or available from their websites, or for the availability and operations of their websites.

You agree that any claim, action, or proceeding arising out of these Terms and Conditions, or your use or access of the U.S. News Services, shall be governed by and construed in accordance with the laws of the State of New York applicable to contracts to be wholly performed therein, and any action based on or alleging a breach of these Terms and Conditions must be brought exclusively in a state or federal court of competent jurisdiction sitting in New York County, New York. You and the U.S. News Group each consent to venue in and personal jurisdiction of such courts.

You agree to present any claims against the U.S. News Group with respect to these Terms and Conditions and/or your use or access of the U.S. News Services within one year of the incident from which the claim arose, and you acknowledge that this expressly limits the applicable statute of limitations to one year.

You agree that by using or accessing the U.S. News Services, each of you and the U.S. News Group are waiving the right and ability to participate as a plaintiff or class member in any class action in any dispute arising from your use or access of the U.S. News Services.If you do not agree with this Class Action Waiver in its entirety, you are expressly forbidden from using or accessing the U.S. News Services.

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This Class Action Waiver will survive the termination of the relationship between you and the U.S. News Group for any and all claims or disputes you or the U.S. News Group have relating in any way to the services provided by the U.S. News Group or your relationship with the U.S. News Group.