TERMS AND CONDITIONS Fullcreativeideas.com

These Terms and Conditions (the “Agreement”) is entered into by you and Life Health Review. Authority By accessing, subscribing, downloading and/or otherwise using the Life Health Review technology, you certify that you (a) are at least fifteen (15) years of age, and that, if you are acting on the behalf of any person or entity, you are authorized to act on behalf of such party, (b) have read this Agreement and have agreed to be legally bound by this Agreement, and (c) agree to all operating rules and policies of that may be published within the Life Health Review technology or the Website. If the person accessing, subscribing and/or otherwise using the Life Health Review technology is under the age of majority in his/her state of residence, then such person should review and discuss this Agreement with their parent or legal guardian, and by such person’s accessing, subscribing, downloading and/or otherwise using the Life Health Review technology, such person’s parent or legal guardian is deemed to have consented to such person’s entering into this Agreement and deemed to have agreed to have such person be bound by the terms hereof. Notwithstanding anything to the contrary herein, to access, subscribe to, download and/or otherwise use the Life Health Review technology for any “R Rated” portion of the Website as described on the Website by Life Health Review, you must be at least eighteen (18) years of age, and by accessing, subscribing, downloading and/or otherwise using the Life Health Review technology for any “R Rated” portion of the Website as described on the Website by Life Health Review, you certify that you are at least eighteen (18) years of age. Intellectual PropertyThe Life Health Review technology is owned and operated by homecreativeideas.com and its licensors and is protected by copyright and other intellectual property laws under United States and international laws and treaties – Copyright 2006 Clayden Holdings Limited. All rights reserved. The compilation and arrangement of all content, data and other information found within the Life Health Review technology are also the sole and exclusive property of homecreativeideas.com and its licensors and is protected by U.S. and international intellectual property laws. The “look and feel” of the Life Health Review technology, meaning, the structure, sequence and layout of the audiovisual components of such technology as perceived by you, including, but not limited to, the color combinations, button shapes, and all other graphical and navigational elements, are also proprietary to homecreativeideas.com and its licensors and fully protected under U.S. and international intellectual property laws. Use of the Insurance Posts Technology Subject to the terms and conditions set forth herein and any third party restrictions, homecreativeideas.com grants you a revocable, non-transferable, non-exclusive and non-sub licensable limited right and license to view, use and access the Life Health Review technology to (a) incidentally view, print and download the images, text, graphics, photographs, audio, video and other content to the extent made available by homecreativeideas.com for such purposes on the Website solely for your informational purposes and for your revocable, immediate, private, personal and non-commercial use, and (b) make purchases of goods and services through links found on this Website or through the Life Health Review technology; provided you retain all homecreativeideas.com copyright and proprietary notices contained in the original materials or any copies thereof. All rights to ownership or use not expressly stated herein are reserved by homecreativeideas.com and homecreativeideas.com disclaims any and all implied licenses. Without limiting the foregoing, you agree not to: (i) reverse engineer, decompile, reverse compile, translate, adapt, or disassemble or otherwise access or adapt the Life Health Review technology, or any part thereof; (ii) copy, distribute, display, transmit or reproduce the Life Health Review technology, or any part thereof, in any form, including, but not limited to, fonts, icons, link buttons, wallpaper, and unlicensed merchandise; (iii) publish, display, disclose, sell, rent, lease, modify, store, loan, distribute, publicly display or perform, co-brand, frame, permit third parties to link to, or create compilations or derivative works of the Life Health Review technology, or any part thereof, including, but not limited to, using any part of the Life Health Review technology to create fonts, icons, links, buttons, wallpaper and unlicensed merchandise; (iv) assign, sublicense, convey, transfer, pledge as security or otherwise encumber the rights and licenses granted hereunder; (v) use the Life Health Review technology in any fashion that may infringe any patent, copyright, trademark, trade secret or any other intellectual property or proprietary right of homecreativeideas.com, its affiliates, its third party suppliers or any other third party; (vi) upload, post, email, transmit or otherwise make available any material that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy,