The Materials on www.VirginiaRates.net (the "Website") are provided by Webstream Media, LLC, a New Jersey limited liability company (Webstream Media). All uses of the Website or the services provided thereon are subject to the terms and conditions of this Agreement of Terms of Use (the Terms). By viewing, using or submitting information to the Website, you agree to these Terms. If you do not agree to the Terms and the Privacy Policy, please do not use or access the Website.

1. LICENSE. You may browse the Website for information. You may not distribute, modify, transmit or revise the contents of the Website without the written permission of Webstream Media.

2. PROTECTED INFORMATION. The Materials at the Website are copyrighted and protected by trademark and other intellectual property laws. Any unauthorized use may violate copyright, trademark, and other laws. No title nor intellectual property rights are transferred to you or any third party through the use of or access to the Website. All rights, title, and interest in and to all aspects of the Website remain the sole property of Webstream Media or its authorized third-party suppliers and service providers. You may download and print one copy of the text, graphics, sounds, files, software or other information found on the Website (the "Materials") on a single computer for your personal, non-commercial use only, unless specifically licensed to do otherwise by Webstream Media in writing. This is a license, not a transfer of title, and is subject to the following restrictions: you may not: (a) modify the Materials or use them for any commercial purpose, or any public display, performance, sale or rental; (b) decompile, reverse engineer, or disassemble software Materials except and only to the extent permitted by applicable law; (c) remove any copyright or other proprietary notices from the Materials; (d) transfer the Materials to another person.

3. NO WARRANTY. THE MATERIALS AND THE WEBSITE ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR ANY PARTICULAR PURPOSE. Webstream Media further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within the Website. Webstream Media may make changes to the Website at any time without notice. Webstream Media makes no commitment to update the Website. Webstream Media does not warrant that the Website or associated server computers are free of viruses or other harmful components. You solely (and not Webstream Media) assume the entire cost of all necessary servicing, repair, or correction to your equipment, computers, software, or data resulting in any way from viewing, downloading or otherwise using the Website.

4. DISCLAIMER. IN NO EVENT SHALL WEBSTREAM MEDIA BE LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE WEBSITE, EVEN IF WEBSTREAM MEDIA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

5. USER SUBMISSIONS. Except as otherwise specified in our Privacy Policy, any information, communications or materials that you transmit to the Website ("Communications") are, and will be treated as, non-confidential and non-proprietary, and shall forever be the exclusive property of Webstream Media. By transmitting or posting any Communications on the Website, you grant to Webstream Media or its designees a perpetual, royalty-free, fully paid-up world-wide license to use, distribute, sublicense, lease and market (directly or indirectly through agents and distributors), display, perform, modify and have modified, reproduce, copy and have copied, publish and prepare derivative works thereof in any form and format and in any media in existence or hereinafter developed, the Communications and any and all information contained therein. Except as otherwise specified in our Privacy Policy, Webstream Media and its designees will be free to copy, disclose, distribute, incorporate and otherwise use the Communications and all data, images, sounds, text, and other things embodied therein for any and all commercial or non-commercial purposes.

6. USER REPRESENTATIONS; INDEMNIFICATION.

a. You represent and warrant that: (a) the information you provide to Webstream Media in any form on the Website is true and accurate; (b) you will at all times comply with all applicable laws, rules, and regulations with respect to your use of the Website; (c) you will not use the Website in connection with making Communications or otherwise, to infringe, misappropriate or violate the rights of Webstream Media or third parties; (d) you will only make Communications of information to which you have sufficient rights to grant the license set forth in Section 5 above; (e) you will not knowingly include in Communications or otherwise introduce to the Website, any viruses or other items of a destructive nature; and (f) you will comply at all times with these Terms for the Website as they may be amended from time to time by Webstream Media.

b. By accessing and/or using the Website under these Terms, you further agree to and authorize all Webstream Media policies under its Privacy Policy, including but not limited to policies regarding disclosure of personally identifiable information.

c. You will indemnify and hold harmless Webstream Media against any and all judgments, settlements, penalties, costs and expenses (including attorneys' fees) paid or incurred in connection with claims due to, resulting from or arising in connection with Communications made distributed, displayed, transmitted or published by you, including but not limited to those attributable to (a) infringement, misappropriation or violation of any copyrights or other proprietary rights of any third party, and (b) errors in or omissions from such Communications.

7. USE OF MARKS. Webstream Media only purports to use names, logos or marks appearing in the Website in those territories in which it or its affiliates are entitled to do so, whether by virtue of pending or registered trademarks, licenses, or otherwise. Webstream Media does not purport to use any name, logo or mark in any territory in which it is not so entitled, and will not supply or offer to supply products and/or services bearing any such name, logo or mark into any such territory. The use or misuse of these trademarks or any other materials is strictly prohibited.

8. TERMINATION OF THIS LICENSE. Webstream Media may terminate this license at any time if you are in breach of these Terms. Upon termination, you will immediately destroy any copies of the materials in your possession.

9. USE OF PERSONALLY IDENTIFIABLE INFORMATION. All use of personal information submitted by you to Webstream Media via any forms on the Website is governed by the terms of Webstream Media's Privacy Policy.

10. LINKS TO / FROM OTHER WEBSITE.

a. Third party sites may be linked to from the Website. Such linked sites are not under the control of Webstream Media, and Webstream Media is not responsible for the content of any linked site or any link contained in a linked site. Webstream Media reserves the right to terminate any link or linking program at any time. Webstream Media does not endorse companies or products to which it links, unless it expressly states otherwise. If you decide to access any of the third party sites linked to the Website, you do this entirely at your own risk.

b. You shall not META tag, provide links to, or frame the Website without the prior written consent of Webstream Media.

11. GENERAL.

a. Webstream Media controls the Website from its offices within the United States of America. Webstream Media makes no representation that materials in the Website are appropriate or available for use in other locations, and access to it from territories where its content is illegal is prohibited. Those who choose to access the Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the materials in violation of U.S. export laws and regulations.

b. Webstream Media may revise these Terms at any time by updating this posting. You should visit this page from time to time to review the then-current Terms because they are binding on you. Certain provisions of these Terms may be superseded by additional express legal notices or terms posted on particular pages of the Website. Continued use of the Website following any change constitutes acceptance of the change.

c. You may terminate your access to the Website at any time. Webstream Media may suspend or discontinue providing the materials to you with or without cause and without notice. Webstream Media may pursue any other remedy legally available to it if you fail to comply with any of your obligations hereunder.

d. This Privacy Policy is to be governed by and construed in accordance with the internal laws of the State of New Jersey, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of, or relating to, this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Monmouth County, New Jersey. You and Webstream Media shall select the arbitrator, and if you and Webstream Media are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator as a retainer for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitratorís fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs. Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Webstream Media, and your and Webstream Mediaís respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or Webstream Media be entitled to punitive, special, indirect or consequential damages, and both you and Webstream Media hereby waive your rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.

e. Except as otherwise provided herein, all notices and other communications hereunder shall be in writing or displayed electronically on the Website by Webstream Media. Notices shall be deemed to have been properly given: 1) on the date deposited for postal mail; 2) on the date first made available, if displayed in the Website; or 3) on the date received, if delivered in any other manner. Notices to you may be sent to any of the addresses provided by you on any form on the Website.

f. The failure of Webstream Media to enforce any provision hereof shall not constitute or be construed as a waiver of such provision or of the right to enforce it at a later time.

g. You may not assign your rights or delegate your duties under these Terms.

h. These Terms constitute the entire agreement between the parties with respect to the subject matter hereof. All prior agreements, understandings, negotiations or representations, whether oral or in writing, relating to the subject matter hereof are superseded and canceled in their entirety.

i. If any provision hereof is adjudged to be invalid, void, or unenforceable, the parties agree that the remaining provisions hereof will not be affected thereby, that the provision in question may be replaced by the lawful provision that most nearly embodies the original intention of the parties, and that these Terms for the Website will in any event remain valid and enforceable.

CONTACT INFORMATION
Should you have questions, please mail us at Webstream Media, LLC., 448 Prospect Ave., North Middletown, NJ 07748 or call us at 732-495-0525.

Copyright © 2005 Webstream Media.