BY ACCESSING THIS SITE, YOU ARE AGREEING TO THESE TERMS AND CONDITIONS. PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY.

No insurance coverage can be added, changed, or deleted through this web site.

We are providing this web site for your convenience only.

This web site and its contents make no representations or warranties of any kind with respect to this web site or its contents.

This web site is provided to you without charge as a convenience and for your information only. By providing access to our web site content, we do NOT promise that:
The content is accurate or complete;
The content is up-to-date or current; or
Your access will be free from interruptions, errors, computer viruses or other destructive matters.

Under no circumstances shall Scirocco Group, its affiliated companies, and/or their employees, directors and officers, be liable for any direct or indirect, special, incidental, or consequential loss including (without limitation) attorney’s fees, injury, claim, liability, or damage of any kind due to, resulting from, or arising in connection with the use or inability to use this web site or its content. This includes loss of data or profit arising out of the use or the inability to use the content of this web site. If your use of this web site results in your need to service, repair or correct equipment or data, you assume the costs to the extent the law allows.

Scirocco Group, its affiliated companies, and/or their employees, directors and officers do not make any express or implied warranties, representations or endorsements with respect to downloadable files on this site.

We do not have responsibility for links or references to third party content.

We may provide hyperlinks or refer to other web sites and information provided by third parties. These links and references to third parties are provided for your convenience and information only. The content in any linked or referenced source is not under our control and we are not responsible for the content.

If you decide to access any of the third party sources you do so entirely at your own risk. It is up to you to take precautions to ensure that the third party source is free of computer viruses and other items of destructive nature.

We are not endorsing the content provided by a third party.

The fact that we provide a link or reference to a third party does not mean that we endorse, authorize or sponsor third party or the content and information provided by that third party.

If a third party links to our web site, it is not an endorsement.

If a third party links to our web site, it does not indicate an endorsement, authorization, sponsorship, affiliation, joint venture, or partnership by or with us. In most cases, we are not aware that a third party has linked to our web site.

If you transmit or provide data to us via this web site, it is non-confidential.

We do not want to receive confidential or proprietary information from you through our web site. If you transmit to or post on our web site any material, information or idea, it will be treated as non-confidential and non-proprietary and may be disseminated or used by us or others for any purpose.

You are not authorized to post on or transmit to or from our web site any unlawful, threatening, libelous, obscene or pornographic material. To do so could give rise to civil or criminal liability under the law. Scirocco Group reserves the right to investigate complaints or reported violations of this Usage Agreement and to take any action deemed appropriate including, but not limited to, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e-mail addresses, usage history, IP addresses and traffic information.

Use of this web site is restricted.

This web site and its content are owned and operated by Scirocco Group. Our web site’s content is copyrighted and protected by U.S. and international copyright laws as well as by U.S. and international trademark and communication laws, regulations and statutes.

You may not decompile, reverse engineer, disassemble, rent, loan, lease, sell, sublicense, or create derivative works from the web site or its content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage or users. You may not use any robot, spider, other automatic device, or manual process to monitor or copy the web site or its content.

No content from our web site may be copied, reproduced, republished, modified, uploaded, posted, displayed, transmitted, or distributed in any way. The sole exceptions to these restrictions are:

• You obtain written permission from Scirocco Group to waive these restrictions; or
• You may download one copy of the content for a single computer for informational, non-commercial and personal use only, provided you keep intact all copyright and other proprietary notices. Do not modify, copy or post the content on any network computer or broadcast it in any media.

By providing content we do not allow you to use our trademarks.

The trademarks, service marks, trade names and logos used and displayed on our web site are owned by Scirocco Group. Nothing on this web site should be construed as granting any license or right to use any trademark, service mark, logo or trade name without Scirocco Group’s written permission.

We are not providing investment advice or soliciting offers.

Nothing in this site constitutes investment or insurance advice. In addition, our web site content is not offering to sell or solicit an offer to buy any security, insurance product or retirement plan.

If any provision of this Usage Agreement and Disclaimer is unlawful, void or unenforceable, then that provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

We reserve the right to change this Usage Agreement and Disclaimer at any time.

Updated versions of this Usage Agreement and Disclaimer will appear on this web site and are effective immediately. You are responsible for regular reviewing of the Usage Agreement and Disclaimer. Continued use of the web site after any such changes constitutes your consent to such changes.