CONDITIONS OF USE
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current conditions to which you are bound.

DISCLAIMER
To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind, either expressed or implied.  Chartis Inc. and its subsidiaries and affiliates (collectively, “Chartis”) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.  Chartis does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.  Chartis does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise.  You (and not Chartis) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes.  Please refer to the actual policy or the relevant product or services agreement. This website may be linked to other websites which are not maintained by Chartis.  Chartis is not responsible for the content of such websites.  The inclusion of any link to such websites does not imply Chartis' approval or endorsement of such sites or the content thereof.

LIMITATION OF LIABILITY
While Chartis uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible pursuant to applicable law, Chartis makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Chartis or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Chartis or a Chartis authorized representative has been advised of the possibility of such damages.  In no event shall Chartis’ total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.  Chartis also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS  
This website is owned and operated by Chartis.  Except as otherwise expressly permitted by Chartis, no materials from this website or any website owned, operated, licensed or controlled by Chartis may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.  You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials.  You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Chartis’ prior written permission. Chartis neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

JURISDICTIONAL ISSUES
Unless otherwise expressly set forth herein, Chartis makes no representation that materials on this website are appropriate or available for use in any location.  Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws.  Except as expressly set forth herein, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service offered by Chartis.  No security, insurance product or other product or service is offered or will be sold by Chartis or, if sold by Chartis, will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

OWNERSHIP OF INFORMATION
Any information, other than personal data or information you transmit to Chartis via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Chartis.  Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting.  Chartis is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Chartis via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS
All trademarks, service marks, trade names, logos, and icons are proprietary to Chartis.  Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Chartis. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.  Images displayed on this website are either the property of, or used with the permission by Chartis.  The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Chartis.  Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

SOFTWARE LICENSES  
You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions.  You hereby agree that you will not transfer or export such software in violation of such applicable export control laws and regulations.  Chartis does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction where such activity is prohibited by export controls laws and regulations.