You agree that you will not upload or transmit any communications or content of any type to the Public Area that infringe or violate any rights of any party. By submitting communications or content to the Public Area, you agree that such submission is non-confidential for all purposes.

If you make any such submission, you agree that you will not send or transmit to COBRAHealth.com by email, (including through the email addresses listed on the "Contact Us" link) any communication or content that infringes or violates any rights of any party. If you submit any business information, idea, concept or invention to COBRAHealth.com by email, you agree such submission is non-confidential for all purposes.

If you make any submission to a Public Area or if you submit any business information, idea, concept or invention to COBRAHealth.com by email, you automatically grant-or warrant that the owner of such content or intellectual property has expressly granted-COBRAHealth.com a royalty-free, perpetual, irrevocable, world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. COBRA Health may sublicense its rights through multiple tiers of sublicenses. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, do not submit them to the Public Area or to COBRAHealth.com by email. We try to answer every email in a timely manner, but are not always able to do so.

If you use the COBRAHealth.com public message board, you are solely responsible for your own communications and the consequences of posting those communications, and your reliance on any communications found on the public message board. COBRAHealth.com and its licensors are not responsible for the consequences of any communications on the public message board. In cases where you feel threatened or believe someone else is in danger, you should contact your local law enforcement agency immediately. If you think you may have a medical emergency, call your doctor or 911 immediately.

An consideration of having messages approved on the public message board, you agree that the following actions shall constitute a material breach of these Terms and Conditions:

Using the public message board for any purpose in violation of local, state, national, or international laws;

1. Posting material that infringes on the intellectual property rights of others or on the privacy or publicity rights of others;
2. Posting material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by COBRAHealth.com in its sole discretion;
3. Posting pornographic advertisements or solicitations for online drugs;
4. After receiving a warning, continuing to disrupt the normal flow of dialogue, or posting comments that are not related to the topic being discussed;
5. Posting chain letters or pyramid schemes;
6. Impersonating another user;
7. Distributing viruses or other harmful computer code;
8. Harvesting or otherwise collecting information about others, including email addresses, without their identification for posting or viewing comments; consent;
9. Allowing any other person or entity to use your identification for posting or viewing comments
10. Posting the same note more than once or "spamming"; or
11. Engaging in any other conduct that restricts or inhibits any other person from using or enjoying the Public Area or the Site, or which, in the judgment of COBRA Health, exposes COBRA Health or any of its visitors, customers, or suppliers to any liability or detriment of any type.

1. Investigate an allegation that a communication(s) do(es) not conform to the terms of this section and determine in its sole discretion to remove or request the removal of the communication(s).
2. Remove communications which are abusive, illegal, or disruptive, or that otherwise fail to conform with these Terms and Conditions.
3. Terminate or block a user's access to any or all Public Area and/or the COBRA Health Site upon any breach of these Terms and Conditions.
4. Monitor, edit, or disclose any communication on the public message board.
5. Edit or delete any communication(s) posted on the COBRA Health Site, regardless of whether such communication(s) violate these standards.

COBRAHealth.com provides links to third-party web sites. COBRAHealth.com also may select certain sites as priority responses to search terms you enter and COBRAHealth.com may agree to allow advertisers to respond to certain search terms with advertisements or sponsored content. COBRAHealth.com does not recommend and does not endorse the content on any third-party websites. COBRAHealth.com is not responsible for the content of linked third-party sites, sites framed within the COBRAHealth.com Site, third-party sites provided as search results, or third-party advertisements, and does not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites. COBRAHealth.com does not endorse any product advertised on the COBRAHealth.com Site.

You expressly agree that exclusive jurisdiction for any dispute with COBRAHealth.com, or in any way relating to your use of the COBRAHealth.com Site, resides in the courts of the State of British Virgin Islands and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of British Virgin Islands in connection with any such dispute including any claim involving COBRA Health or its affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers, and content providers.

These Terms and Conditions are governed by the internal substantive laws of California, without respect to its conflict of laws principles. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Notice and take down procedures; and copyright agents:

If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access thereto) from this web site by contacting COBRA Health's copyright agent (identified below) and providing the following information:

• Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work.
• Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
• Your name, address, telephone number and (if available) e-mail address.
• A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.
• A statement that the information that you have supplied is accurate, and indicating that "under penalty of perjury," you are the copyright owner or are authorized to act on the copyright owner's behalf.
• A signature or the electronic equivalent from the copyright holder or authorized representative.