Terms & Conditions

THE FOLLOWING TERMS AND CONDITIONS GOVERN YOUR USE OF THIS PUBLIC INTERNET WEBSITE (WWW.TRUSTINSURANCE.COM). YOUR USE OF THIS PUBLIC WEBSITE AFFIRMS THAT YOU UNDERSTAND THESE TERMS AND CONDITIONS OF USE AND CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS OF USE. DO NOT USE OR ACCESS THIS WEBSITE IF YOU DO NOT UNDERSTAND OR ACCEPT ALL OF THESE TERMS AND CONDITIONS OF USE.

Information and Content

All the information on this website is provided for information purposes and is subject to change without prior notice. The "information and content" on this Website includes, but is not limited to the text, graphics, files, images, and selection and arrangement thereof. Information and content provided on this Website is made available to you by the American Insurance Trust ("The Trust"), its affiliates (including Trust Risk Management Services, Inc. ("TRMS")), and The Trust's and/or TRMS's business associates. The information and content provided on this Website is provided to you for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product that may be referenced on this Website.

Copyright Notice

All information and content on this Website is protected by copyright. The Trust and/or TRMS is the original creator of the material appearing on this Website.

You are granted a limited, non-exclusive, nontransferable, and revocable license to download, display, and print one (1) copy of the information and content of this Website on a single computer for your personal, non-commercial use only. Any commercial use of any information and content on this Website requires prior written consent from The Trust.

Trademarks

All trademarks and logos displayed on this Website are the registered or common law (unregistered) trademarks of The Trust, TRMS, and/or or their business associates. Your use of this Website does not grant you any license or right to use these trademarks in any manner without the express written consent of the Trust or TRMS.

Disclaimer of Warranty

THE TRUST, TRMS, AND THEIR AFFILIATED COMPANIES WILL MAKE EVERY REASONABLE EFFORT TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION AND CONTENT ON THIS WEBSITE. THE TRUST, TRMS, AND THEIR AFFILIATED COMPANIES, MAKE NO WARRANTIES OF ANY KIND REGARDING THE INFORMATION AND CONTENT ON THIS WEBSITE AS WELL AS THE OPERATION OF THIS WEBSITE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT OF PROPRIETARY RIGHTS. THE INFORMATION AND CONTENT ON THIS WEBSITE IS PROVIDED "AS-IS." THE TRUST, TRMS, AND THEIR AFFILIATED COMPANIES EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY THAT THIS WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED. THE TRUST, TRMS, AND THEIR AFFILIATED COMPANIES FURTHER DISCLAIM ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS, AND CURRENCY OF ANY OF THE INFORMATION AND CONTENT ON THIS WEBSITE AND UNDERTAKE NO OBLIGATION TO MAINTAIN THE CURRENCY OF SUCH INFORMATION AND CONTENT. THE TRUST, TRMS, AND THEIR AFFILIATED COMPANIES HAVE NOT MADE AND DO NOT MAKE ANY WARRANTY OF ANY KIND WHETHER, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENTS OF THIS WEBSITE AS WELL AS THE OPERATION OF THIS WEBSITE; AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NONINFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE ARE HEREBY DISCLAIMED. ADDITIONALLY, ALL WARRANTIES AND CONDITIONS ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE ARE DISCLAIMED. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS WARRANTY DISCLAIMER MAY NOT APPLY IN WHOLE OR IN PART TO YOU.

Limitation of Liability

IN USING THIS SITE, YOU AGREE THAT YOU WILL NOT HOLD THE TRUST OR ANY OF ITS AFFILIATED COMPANIES, INCLUDING TRMS, AND THEIR OFFICERS, DIRECTORS, TRUSTEES, EMPLOYEES, AND AGENTS, LIABLE TO YOU OR ANY PARTY FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS WEBSITE (OR ANY OTHER LINKED SITE), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE ON THIS WEBSITE (OR ANY OTHER LINKED SITE). THE TRUST AND ANY OF ITS AFFILIATED COMPANIES, INCLUDING TRMS, SHALL NOT BE LIABLE EVEN IF THE TRUST OR A TRUST AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE, OR COMPUTER VIRUS, OR OTHER COMPONENT.

Hyperlinks

This Website may contain links to third party websites on the Internet. Links to third party websites do not constitute or imply endorsement by The Trust, TRMS, or their affiliates of the linked website or any content or material contained on the third party website. The Trust and TRMS do not review third party websites and The Trust and TRMS are not responsible or liable for the accuracy or completeness of the contents of any such third party website. Use of any third party website is done at the user's own risk.

E-mail

Certain sections of this Website may offer you the ability to e-mail a message to The Trust, TRMS, and/or their business associates. E-mail functionality, if any, is provided to you to facilitate communications between you and The Trust. By utilizing any e-mail functionalities on this Website, you agree that the Trust and/or TRMS shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders, or instructions. The Trust and/or TRMS shall have no liability for any loss or damage that results from interception and/or unauthorized use by third parties of any information you send by e-mail.

Internet Security

Certain portions of this Website may offer the use of encryption technologies for certain types of communications for your protection. While this Website may provide those technologies and use other reasonable precautions to protect confidential information and provide reasonable security, The Trust, TRMS, and/or their affiliated companies do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error.

Certain portions of this Website may offer the use of User IDs, passwords, and other security codes ("User Codes") that you will need in order to access and use certain personal information related to you. You are responsible for maintaining the confidentiality of your User Codes. You agree that you will be fully responsible for all activities that occur utilizing your User Codes, and that The Trust, TRMS, and/or their business associates are not under any duty to inquire as to the authority or propriety of any instructions given to the Trust, TRMS, and/or their business associates via your User Codes.

Privacy

Your use of this Website is subject to our Privacy Policy.

Children

This Website does not market any products or services to children. If you are less than 18 years of age, you may not use this Website and must leave immediately. The Trust and TRMS do not knowingly gather data from children through this Website.

Miscellaneous

You may not use this Website for any illegal, false, or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Website or take any action that imposes an unreasonable load on The Trust's or TRMS's computer equipment. You may not use this Website for any purpose that is unlawful or otherwise prohibited by these Terms and Conditions of Use. The Trust and TRMS reserve the right, at any time and without advance notice or liability, to terminate your access to this Website.

Governing Law

These Terms and Conditions of Use shall be governed and construed in accordance with the laws of the United States and the District of Columbia, without giving effect to conflict of law principles thereof. The services, products described, and information provided through this Website are directed to and are intended to be made available to members of the American Psychological Association and family members and others affiliated with members of the American Psychological Association. The services, products described, and information provided through this Website may not be available to those who reside outside of the United

Changes

States.

The information and content on this Website, and these Terms and Conditions of Use, are subject to change or updating by The Trust and/or TRMS, at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continuing use of this Website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Information

For more information e-mail The Trust at insurance@trustinsurance.com.