IA&B Disclaimer

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Insurance Agents & Brokers (“IA&B”) makes reasonable efforts to present accurate and reliable information in this Website in the domain “www.iabforme.com” (“Site”). But, IA&B is not responsible for any errors in or omissions from the information contained in or accessed through this Site, nor is IA&B responsible for the timeliness of the information. The information in this Site is not intended to provide specific advice about individual legal, business or other questions, and it is not a substitute for users’ independent research and evaluation of any issue. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional should be sought. All of the information in this Site is provided “as is” without warranty of any kind. IA&B makes no representations of any kind and disclaims all express, implied, statutory or other warranties of any kind to the user and/or any other party, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose. IA&B shall have no tort, contract or any other liability to users of this Site and/or to any other party. IA&B shall not be liable to users and/or any other party for any lost profits or lost opportunities, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if IA&B has been advised of the possibility of such damages.

Hyperlinks Are Not Endorsements

IA&B is in the business of promoting the interests of its members as a whole and does not promote the services, products or publications of one IA&B member over any other member. Links to other Websites or references to products, services or publications, other than those of IA&B at this Site, do not imply IA&B’s endorsement or approval of such Websites, products, services or publications, nor are such links or references any indication that IA&B has received specific authorization to provide these links or references. IA&B does not endorse, approve, certify or control these external Websites, and is not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, fitness for any particular purpose or correct sequencing of information located at such sites. Rather, the links on this Site to other Websites are provided solely as a convenience to users of this Site.

Notice of Copyright Ownership

The works of authorship including, but not limited to, all design, text, images, and sounds, contained in this Site (individually and collectively “Publications”), are owned by IA&B, except as otherwise expressly stated. The Publications may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part (individually and collectively “Reproduced”) in any manner without IA&B’s prior written consent, except to the extent that such use constitutes “fair use” under the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and except for one temporary copy in a single computer’s memory and one unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an attached copy of this Disclaimer Notice.

Some of the works of authorship on the Site were provided under license from other entities with all rights reserved. You may provide a hypertext link to this Site on another Website, provided that: (a) the link must be a text-only link clearly marked “IA&B Home Page”; (b) the link must “point” to the URL “http://www.iabforme.com” and not to other pages within the Site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with IA&B’s name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity, product, service or work of authorship is associated with, sponsored by or endorsed by IA&B; (e) the link, when activated by a user, must display this Site full-screen and not within a “frame” on the linked Website; and (f) IA&B reserves the right to revoke its consent to the link at any time, for any reason, in its sole discretion.

If you are interested in obtaining a license to reproduce one or more of IA&B’s publications, please contact IA&B’s Public Relations Department at 717-795-9100 or by e-mail.

Severability

Some U.S. states and foreign countries provide rights in addition to those above or do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be state provisions which supersede the above. Any clause of this Disclaimer Notice declared invalid by the appropriate authority shall be deemed severable and shall not affect the validity or enforceability of the remainder of this Disclaimer Notice. The terms of this Disclaimer Notice are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflicts of laws rules, and may only be amended in a writing signed by IA&B.

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Mechanicsburg, PA 17055

191 Main Street
Annapolis, MD 21401

Toll Free: 800-998-9644
Fax: 717-795-8347
Email: IAB@IABforME.com

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