Terms & Conditions

BY USING THE WATER QUALITY INSURANCE SYNDICATE ("WQIS") WEB SITE (THE "SITE"), THE USERS OF THE SITE (THE "USERS") AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS, AS MODIFIED FROM TIME-TO-TIME BY WQIS:

Purpose Of The Site: The purpose of this Site is purely informative in nature. The Site describes the nature of WQIS' activities and WQIS will, from time-to-time, place informative materials aimed at educating Users, subject to the conditions described below, on the Site. The Site is not a medium for offering, soliciting, quoting, negotiating, or effectuating insurance. However, the site does permit Users to complete and submit to WQIS broker worksheets, in order to provide to WQIS information for use in connection with the offering of insurance.

Copyrights And Other Intellectual Property: Except as otherwise noted on the Site, WQIS owns all right, title and interest in and to all content displayed on this Site, including but not limited to, pages, screens, text, images, policies and the general "look and feel" (collectively, the "Content") used on the Site. The posting of Content does not constitute a waiver of any of WQIS' proprietary rights in or related to such Content (including, but not limited to, patents, copyrights and trademarks) or a transfer of any such rights to Users or any third-party. The Content may not be distributed, used or modified in any way without the express permission of WQIS, provided that the Content may be copied without permission for educational use, if the copyright and any other propriety rights and notices contained in the Content are retained.

Any unauthorized use, distribution or alteration of the protected material, including Site policies, may result in a violation of U.S. and international copyright laws and is strictly prohibited. Certain Content may be presented in a format employing encryption security or other technology designed to prevent the downloading of such Content. Anyone who defeats these security measures will be in violation of the Digital Millenium Copyright Act. See Pub. L. No. 105-304, 112 Stat. 2860 (1998).

Convenience Documents And Data: The Site may contain form legal documents and other data provided for the convenience of the Users of the Site. Such documents and data are for convenience purposes only, and should not be construed as the offering or delivery of legal advice by WQIS or any other party. Before using any such document or data, Users agree to consult independent legal counsel as to the advisability of using these documents or data in their particular circumstances.

Links To Other Web Sites: The Site may contain links to third-party web sites. These linked sites are not under the control of WQIS, and WQIS is not responsible for and cannot make any assurances regarding the privacy, or other policies or practices of the operators of such web sites. Such links are provided only for the convenience of the Users. WQIS makes no representation as to the accuracy of the content of any linked site or any link contained in a linked site. WQIS incurs no liability for damages or expenses suffered by any User in accessing and using such sites or the content thereof. As WQIS is providing these links only as a convenience to Users, the presence of a link does not imply endorsement or control of the linked site, its content, or its operator by WQIS. WQIS is not responsible for the activities of the third-parties and the third-parties are not responsible for the activities of WQIS.

Links To Insurance Company Sites: In providing a link to an insurance company's site or the site of another entity that is engaged in insurance activities, such as soliciting, negotiating, quoting, or otherwise effectuating insurance over the Internet, WQIS is in no manner acting as an insurance broker or agent which requires licensing. By providing such links, WQIS is in no manner endorsing the purchase of an insurance product from such companies or other entities.

Links From Other Sites: Any links to the Site from other web sites must (i) receive prior approval in writing by WQIS, (ii) link to the homepage of the Site, (iii) not display the content of the Site within a border or frame controlled by or displaying the content of the linking page, and (iv) be promptly removed at the request of WQIS.

Jurisdiction: By maintaining the Site, WQIS is in no manner offering, soliciting, quoting, negotiating, or effectuating insurance through the Site. WQIS does not offer or sell insurance products in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance laws, including licensing provisions, of such jurisdiction. WQIS only conducts such activities in jurisdictions in which it is licensed.

Discussion And Description Of Policy Forms: This Site may provide discussions and descriptions of policies and policy forms. User hereby notes that such discussions and descriptions are provided only to assist Users in understanding policies offered by WQIS and such discussions and descriptions do not replace or supercede the actual terms of coverage offered in the corresponding policy or policies. Such discussions and descriptions are provided only as a guide. The actual language of a policy will govern the precise terms of coverage.

No Reliance On Any Advice Or Opinion: No opinion, advice, statement or other information ("Information") contained or provided herein or hereby is intended or shall be construed as a legal opinion, investment advice, or a prediction of the performance of any security, fund, or obligation. Reliance on any Information shall be at the sole risk of the User. Prior to the execution of a purchase or sale or any security or investment, or any action related thereto, User is advised to consult with its broker or other financial advisor or other professionals as appropriate. Neither WQIS, its affiliates, information providers or content providers shall have any liability for investment or other decisions based upon, or the results obtained from, the Information. Neither WQIS, its affiliates, information providers or content providers guarantee or warrant the timeliness, sequence, accuracy, or completeness of the Information. Nothing contained on the Site is intended to be, nor shall be construed as, investment or legal advice. User acknowledges that the Information is provided for informational purposes only and is not intended for trading or legal opinion purposes.

Minors. This Site does not intend to market any of our products or services to children under thirteen (13) years of age, and we do not knowingly gather or solicit data from children under thirteen (13) years of age through this Site. By using this Site, you represent that you are not under thirteen (13) years of age.

No Warranties; Limitation Of Liability: WQIS does not guarantee that access to the Site, the Content, or information posted on the Site will be uninterrupted, that the Site will be free of viruses or that the Site cannot be tampered with or maliciously accessed by third-parties. THE SITE, THE CONTENT AND ANY FUNCTIONALITY RELATED THERETO ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH NO WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. USE OF THE SITE, THE INFORMATION THEREON AND SUCH FUNCTIONALITY IS AT THE USER'S SOLE RISK.

WQIS shall incur no liability whatsoever for direct or indirect damages, including lost profits or any special, incidental, or consequential damages arising out of connection with this User Agreement or use of the Site, however arising, including claims for negligence and damages caused by computer viruses. Users agree to indemnify and hold WQIS harmless for all claims, losses and expenses resulting from their access of or interaction with the Site, including but not limited to violations of this User Agreement.

Communications With The Site: If User sends or leaves a message or information on the Site, including but not limited to an e-mail to the webmaster or a WQIS employee, User hereby grants to WQIS the right to use, distribute, disclose and otherwise handle the communication internally as WQIS deems necessary, in its sole judgment. WQIS has no obligation to monitor any communications or other materials posted to or sent via the Site. WQIS reserves the right to remove any such communications or materials with or without review, in its sole discretion. By posting any materials to the Site, you are granting WQIS and its agents the perpetual, irrevocable, worldwide, royalty-free right to copy, distribute, transmit, publicly display, edit, translate and reformat your submission and the right to publish your name in connection with the submission. Further, we are free to use any ideas, concepts, know-how or techniques that you may submit to us through this Site for any purpose.

Privacy: WQIS' Privacy Policy is hereby made a part of and incorporated into this User Agreement.

Choice Of Law And Choice Of Forum: The terms and conditions of this User Agreement will be construed in accordance with the laws of the State of New York without regard to its conflict of law provisions. The state or federal courts located in the State of New York, County of New York, shall have exclusive jurisdiction over any claim arising out of or relating to this User Agreement.

General: The provisions of this User Agreement are severable. If any such provision is determined to be unenforceable, such unenforceability will not affect any other provision of this User Agreement, and the User Agreement will be construed as if such unenforceable provision had not been contained herein. No waiver by WQIS of any right under or provision of this User Agreement will be deemed to be either a waiver of any other such right or provision or a waiver of that same right or provision at any other time. The terms of this User Agreement shall be incorporated into and made a part of any other agreement entered into by WQIS and a User.