TERMS OF SERVICE

CGA Associates is a publisher of insurance information on the World Wide Web.

Nothing in the editorial content on cgaassociates.com should be interpreted as a recommendation to purchase or sell any insurance product, or to make any other decision with a financial impact. We may provide hypertext links to such information that may be provided by our sponsors, but we are not responsible for the content of their material, and our affiliation with them as sponsors should not be interpreted as an endorsement by cgaassociates.com of their products or services.

Likewise, while we maintain a staff of professional journalists, we cannot promise that incorrect information will not appear on cgaassociates.com, and we are not liable for any damages caused by the appearance of incorrect information on cgaassociates.com, whether this information is provided directly by us, a sponsor, or other information provider.

All use and access of the information (the "Information") furnished by cgaassociates.com is subject to the terms and conditions as set forth in these service standards. Any use of such Information constitutes the user's agreement to abide by these terms and conditions. All Information provided by cgaassociates.com is owned by or licensed to cgaassociates.com or credited to the providing organization(s). cgaassociates.com Inc. retains all proprietary rights to the Information. Except for making one hard copy print of limited portions of the Information on an ad hoc basis, or downloading as expressly authorized by cgaassociates.com, the Information may not be reproduced, transmitted, posted to another Web site, or distributed without cgaassociates.com's permission.

cgaassociates.com makes no guarantees or warranties as to the accuracy or completeness of or results to be obtained from accessing and using the Information.

cgaassociates.com EXPRESSLY DISCLAIMS ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE. THE INFORMATION IS PROVIDED AS IS, WITH ALL FAULTS.

cgaassociates.com shall not be liable to any user or anyone else for any inaccuracy, error or omission, regardless of cause, in the Information or for any damages resulting there from. In no event shall cgaassociates.com be liable for any consequential damages suffered by user as the result of user's access to or use of the Information. cgaassociates.com has no responsibility for the content of any messages or information posted by users, or for the content of information of third parties on the Internet, even if accessed through cgaassociates.com's site. The user agrees to indemnify cgaassociates.com from any damages, losses, costs, or expenses which cgaassociates.com and its authorized representatives may incur as a result of material entered into these World Wide Web pages by the user.

For Potential Sponsors, Clients, and Business Partners: cgaassociates.com does warrant that the Information contained within its online media kit and other collateral materials is, to the best of our knowledge, truthful and correct. Representations of past performance, however, are not meant, and cannot be read, as a guarantee that similar results will be achieved by any other advertising campaigns, syndication of content, or any other services that might be rendered by cgaassociates.com. cgaassociates.com does guarantee that we will provide the highest level of service possible to our business partners, and that we will do everything in our power to help them achieve the goals they aspire to through their business relationships with cgaassociates.com.