Please read the following terms and conditions carefully before using this website or any of our other websites. 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 websites, including any websites owned, operated or sponsored by any of our subsidiaries or affiliates. However, we may add to, or supersede, certain provisions of the following terms and conditions with other provisions located in other parts of all of our websites.

1. Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE. 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 WEBSITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OR MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

2. We Do Not Have Responsibility for Links to Third Party Content

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

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

3. Privacy/Treatment of Information or Data Transmitted to Us

Personal information transmitted to us, if any, will be treated in accordance with our Privacy Policy.

4. Proprietary Rights & Restricted Use

Gardner & White Corporation is the owner of all text contained on this website. You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any content that could give rise to any civil or criminal liability.

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 website to others or substantially copy the information on your own server, or link to this website, without the prior written permission of Gardner & White. You may request permission by contacting the Vice President and General Counsel at (317) 581-1580 or by fax to (317) 587-0780.

5. By Providing Content, We Do Not Allow You to Use Trademarks, Service Works or Copyrights Referenced on This Website

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

6. We Are Not Providing Investment Advice Nor Soliciting Offers

As Gardner & White Corporation, Gardner & White, Inc., and G & W Equity Sales, Inc. are not authorized to conduct the business of insurance, third party administration, or securities or to provide investment advisory services in every state of the United States (see Contact Us), nothing on this website constitutes investment advice, and our website content are not offers to sell or solicitations of any offer to buy any security or any insurance product. No insurance product or security offered by Gardner & White Corporation/G & W Equity Sales, Inc. is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or securities law or other laws of such jurisdiction. No such insurance product or security is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. In addition, any vendor prospectus information available on this website is posted for informational purposes only.

7. Circular 230 Notice

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

(11/07)

Click here to view Gardner & White's current Privacy Policy.