TERMS & CONDITIONS

Garden City Group, LLC, its subsidiaries and affiliates (“GCG”) provides the information and services on this Website (“Site”) under the following terms and conditions governing your use of this Site and the information you provide to us. By using this Site you (“User”) have agreed to these terms and conditions as stated below (“Agreement”), as well as all applicable laws and regulations that may govern internet usage.

We reserve the right to modify these terms and conditions at any time. You should check these terms and conditions periodically for changes. By using this Site after we post any changes to these terms and conditions, you agree to accept those changes, whether or not you have reviewed them. If at any time you choose not to accept these terms and conditions of use, please do not use this Site.

1. RESTRICTIONS ON USE OF MATERIAL

The contents (“Contents”) of this Site are protected by copyright or other intellectual property laws. Unauthorized use of the Contents may violate copyright, trademark and other laws. Users may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works or otherwise use any information available on this Site for any public or commercial purpose. You must have our written permission to distribute copies of the information to others.

2. ACCURACY OF INFORMATION ON THE SITE

Although GCG seeks to provide accurate and updated information on this Site, we cannot assure that such is the case. As such, the information and Contents of this Site is provided “as is” and without any warranties of any kind whether express or implied, including but not limited to the implied warranties of merchantability or fitness for a particular purpose. We make no representations about the accuracy, reliability, completeness, or timeliness of the Contents of the Site. Claims processing is subject to ongoing quality assurance and final reporting.

3. NO PROFESSIONAL ADVICE

The information provided on the Site is distributed with the understanding that GCG is not rendering professional advice of any sort. The Contents of this Site cannot replace or substitute for the services of trained professionals in any field. If you have a question or issue requiring profession consultation relating to law, insurance, tax or financial planning or any other area you should consult a professional in the respective area. Any reliance on the information contained herein is solely at your risk.

4. FUNCTIONING OF THE SITE

No representation or warranty is given that any functions contained in the Site will be uninterrupted, error-free, virus-free, free from harmful components, or that any defects will be corrected. No transmission over the Internet can be guaranteed to be secure. Access to and use of password protected and/or secure areas of the Site is restricted to authorized Users only. Unauthorized access to such areas is prohibited and may lead to criminal prosecution.

5. LINKS

This Site may contain links to websites owned, operated or maintained by parties other than GCG. Such links are provided for your reference only. GCG does not control outside sites and is not responsible for their content.

6. LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES WILL GCG BE LIABLE FOR ANY DAMAGES TO USER INCLUDING ANY DIRECT, ACTUAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM ACCESS TO OR USE OF THE SITE, EVEN IF GCG IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7. GENERAL

This Agreement, which shall be deemed to include our Privacy Policy, constitutes the entire agreement between you and GCG pertaining to this Site and it supersedes any and all other agreements, whether oral or in writing. The failure of GCG to insist upon strict compliance with any of the terms of the Agreement shall not be construed as a waiver with regard to any subsequent failure to comply with such term or provision. This Agreement shall be governed by the laws of the United States and the State of New York. User agrees that any proceedings relating to this Site shall be maiuitable relief. Any inquiries or concerns regarding the terms and conditions of this Agreement should be directed to the office of the General Counsel, (631) 470-5000.