Legal Notices

Please read the following terms and conditions carefully before using this website or any of our other websites. You should review these terms and conditions regularly, as they may change at any time at our sole discretion. The following terms and conditions apply to all of our websites, including any websites owned, operated or sponsored by NFP Corp. or any of our subsidiaries or affiliates ("us," "we" or "NFP").

Usage

You may not use this website for any false or fraudulent purpose. You are also forbidden from using this website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law. You may not use any device, software, document, method or routine that interferes or attempts to interfere with the normal operation of this website.

You may not use this website for any commercial, financial or other similar purpose without the express prior written consent of NFP. NFP reserves the right, at any time and without advance notice or liability, to terminate your access to this website or any component therein.

You are solely responsible for providing, maintaining and ensuring compatibility with this website, all hardware, software, electrical and other physical requirements for your use of this website, including, without limitation, telecommunications and Internet access connections, Web browsers, or other equipment, programs and services required to access and use this website. You are prohibited from violating or attempting to violate any security features of this website, including, without limitation, (a) accessing content of data not intended for you, or logging onto an area that you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of the website, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with the use of the website as to any user, host or network, including, without limitation, by means of submitting a virus to the website, overloading, "flooding," "spamming," "main bombing" or "crashing;" (d) using the website to send unsolicited email, including, without limitation, promotions or advertisements for products or services; (e)forging any TCP/IP packet header or any part of the header information in any email or in any posting using the website and its functionality or (f) attempting to modify, reverse-engineer, decompile, disassemble or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by us in providing the website or service. Any violation of system or network security may subject you to civil and/or criminal liability.

Liability

The content of this website is provided for informational purposes only, with the understanding that NFP is not rendering financial, legal, accounting or other professional advice on specific matters. We recommend that you consult your professional advisors with respect to your individual situation. Under no circumstances shall NFP be liable for any direct or indirect, special, incidental or consequential damages, lost profits or lost data (regardless of the foreseeability of any of the foregoing) that may arise from your use of, or inability to use, this website.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

This website content is provided "as is" and without warranties of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose or non-infringement, which NFP expressly disclaims to the maximum extent permitted by law. You assume the risk of any and all damage from use of, or inability to use, the website. NFP does not warrant that the website will be uninterrupted or error-free.

You agree to indemnify, defend and hold harmless NFP, its affiliates, officers, directors, employees, consultants, agents and representatives from any and all third-party claims, losses, liability, damages and/or costs (including reasonable attorneys’ fees and costs) arising from your access to or use of the website, your violation of these terms and conditions, or your infringement, or infringement by any other user on your behalf, of any intellectual property or other right of any person or entity. NFP will notify you in writing of any such claim, loss, liability or demand.

Third-Party Content

Links to third-party websites are provided for your convenience and information only. The content in any linked websites is not under our control, and we are not responsible for it.

We reserve the right to terminate a link to a third-party website at any time. The fact that we provide a link to a third-party website does not mean that we endorse, authorize or sponsor that website, nor that we are affiliated with the third-party website's owners or sponsors.

Intellectual Property Rights

NFP is the owner of all text contained on this website. You may print a copy of the information contained herein for your personal use; however, you may not reproduce or distribute the text or graphics contained in this website to others or substantially copy the information to your own server, or link to this website, without the prior written permission of NFP. You may request permission by contacting the Office of the General Counsel at 212-301-4000 or by fax to 212-301-4001.

Other parties' trademarks, copyrights and service marks that may be referred to are the property of their respective owners. Nothing on this website should be construed as granting, by implication, waiver, estoppel or otherwise, any license or right to use any trademark without our written permission. Neither the name of NFP Corp. nor our logo may be used in any way, including in advertising or publicity pertaining to distribution of materials on this website, without prior written permission. You are not authorized to use our logo as a hyperlink to this website unless you obtain our written permission in advance.

Except where may be otherwise noted, all content of this website is: Copyright © 2016 NFP Corp., 340 Madison Avenue, 20th Floor, New York, NY 10173. All Rights Reserved.

No Provision of Investment Advice or Solicitation of Offers

Nothing on this website constitutes investment advice. In addition, our website content is not an offer to sell or a solicitation of any offer to buy any security or any insurance product. No security offered is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity that is not properly licensed to do so in such jurisdiction.

Products/Quotations

Under no circumstances should you regard any information you may access in this website as a recommendation, advice or complete description of any products, service or plan. An insurance quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary, and you must carefully review such insurance policies and consult with your insurance advisors.

Licensing

NFP subsidiaries are licensed as insurance brokers or agents in various states, Canada and the United Kingdom. This website is not intended as a solicitation for insurance in any state or province where NFP or its subsidiaries are not licensed.

Accounts

For certain aspects of the website, you may be asked to register an account. In the event that you agree to register an account, you will select and/or receive a username and password upon providing registration information and successfully completing the registration process. This account is personal to you, and you will not share it or allow any other person to utilize your account. You are responsible for maintaining the confidentiality of your username and password and are fully responsible for all activities that occur under your username and password. You agree to immediately notify NFP in the event your registration information changes or you learn of or have reason to suspect any unauthorized use of your account or any other breach of security. You also agree that you will provide truthful and accurate information during the registration process. NFP may refuse to grant a particular username to you for any reason.

Tax Advice Disclosure

Any tax advice contained on our websites, including any websites owned, operated or sponsored by any of our subsidiaries, unless otherwise specifically stated, is not intended or written to be used and cannot be used for the purpose of (1) avoiding penalties under U.S. tax laws or (2) promoting, marketing or recommending to another party any matters addressed herein.

Practice Leader

Kishan Herriotts

Kishan Herriotts

Managing Director

International Benefits Consulting