Terms of use   

CONDITIONS OF USE   

BY USING THIS WEBSITE, YOU ACKNOWLEDGE YOUR CONSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND 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 TERMS AND 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 AND CALIFORNIA FAIR PLAN ASSOCIATION ("CFP") DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CFP 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. CFP 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 CFP) 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 TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT 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 CFP. CFP IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY CFP OF THE WEBSITES OR THE CONTENT THEREOF. 

LIMITATION OF LIABILITY

While CFP uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, CFP 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 CFP or any party involved in creating, producing, or delivering the 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 CFP or an CFP authorized representative has been advised of the possibility of such damages. In no event shall CFP's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.   

CFP 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 the 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 CFP. Except as otherwise expressly permitted by CFP, no materials from this website or any website owned, operated, licensed or controlled by CFP 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 CFP's written permission. CFP 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, CFP 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 on 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 by CFP. No security, insurance product or other product or service is offered or will be sold by CFP or, if sold by CFP, will be effective in any jurisdiction in which such offer or 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 CFP 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 CFP. 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. CFP is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to CFP 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, services marks, trade names, logos, and icons are proprietary to CFP. Nothing contained on the 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 CFP. 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 permission by CFP. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by CFP. 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 laws and regulations. CFP does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.   

LEGAL COMPLIANCE REQUIREMENTS:  All information accessed, submitted, used or shared in connection with this website shall be treated, handled, transmitted, disclosed and safeguarded in strict compliance with all applicable Privacy Laws and all other applicable laws, rules and regulations, and in strict compliance with all applicable agreements and contractual provisions regarding information use, confidentiality and nondisclosure.