Legal Notices

Please read the following terms and conditions carefully before using this Web site or any of the other Web sites of FUTURITY FIRST Insurance Group, Inc. ("FUTURITY FIRST"). 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 Web sites, including any Web sites owned, operated or sponsored by any of our subsidiaries or affiliates, including, but not limited to, Futurity First Insurance Group, Inc.

1. Liability

UNDER NO CIRCUMSTANCES SHALL FUTURITY FIRST INSURANCE GROUP, INC. BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE.

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 WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

2. Third Party Content

LINKS TO THIRD PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

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

3. Proprietary Rights & Restricted Use

FUTURITY FIRST is the owner of all text contained on this Web site. 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 on this Web site to others or substantially copy the information on your own server, or link to this Web site, without the prior written permission of FUTURITY FIRST. You may request permission by contacting the Office of the Chief Compliance Officer at (860) 838.4800.

4. Intellectual Property Rights

Other parties' trademarks, copyrights and services marks that may be referred to are the property of their respective owners. Nothing on this Web site 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 copyrighted name of FUTURITY FIRST Insurance Group, Inc. nor our logo may be used in any way, including in advertising or publicity pertaining to distribution of materials on this Web site, without prior written permission. You are not authorized to use our logo as a hyperlink to this Web site unless you obtain our written permission in advance.

5. No Provision of Investment Advice or Solicitation of Offers

Nothing on this Web site constitutes investment advice or offers to sell or solicitations of any offer to buy any security or any insurance product.

6. All Products, Programs and Services May Not be Available in Your Area

This web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations.
FUTURITY FIRST and its affiliates and subsidiaries are not authorized to do business in every jurisdiction. Information that FUTURITY FIRST publishes on this web site may contain references or cross-references to products, programs or services of FUTURITY FIRST, its subsidiaries or affiliates that are not available in your state or country. The products referred to on this web site may be offered and sold only to persons in the United States and its territories.

7. Circular 230 Notice

Tax Advice Disclosure: In accordance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained on our Web sites, including any Web sites owned, operated or sponsored by any of our subsidiaries, unless otherwise specifically stated, is not intended or written to be used, and may not be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to any other party any matters addressed herein.