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CDS Legal Notices:

Important Legal Information

Custom Disability Solutions ("CDS")

User Agreement and Disclaimers

By accessing and using this Web site, you agree to the terms and conditions of use and acknowledge your receipt and understanding of the disclaimers set forth on these pages. Therefore you should read these pages carefully. They may be revised at any time without notice, and users will be bound by such revisions. It is advisable to periodically re-review these pages in connection with your future use of this Web site to determine whether any revisions have been made.

No Offer or Solicitation.

The product and service information contained on this Web site is for informational purposes only. It is intended to provide a general outline of the types of products and services available from CDS. This information is not intended as an offer to sell, an invitation to purchase, or a solicitation in connection with any insurance or reinsurance product or service or any security.

Product Terms and Conditions.

The products and services described herein are governed by the terms of contracts which set forth the terms and conditions of any payments, services, benefits or coverage, as well as applicable exclusions, restrictions, limitations and/or reductions.

No Warranties.

CDS makes no representations or warranties about the functionality of this Web site or any information, text or graphics contained herein, and such materials are provided on an "as is" basis. Although reasonable efforts have been made to ensure that the electronic information contained on this Web site is complete, accurate and timely, due to the nature of the Internet, we cannot guarantee that this information is complete, accurate and timely in all instances. Similarly, we cannot guarantee that this information is suitable for any purpose whatsoever. We assume no obligation to update any of the information contained on this Web site. All information is subject to change, without prior notice.

Linked Web Sites; Viruses.

As a convenience, this Web site may provide links to other Web sites created and maintained by us. We cannot and do not guarantee or warrant that files available for downloading from this Web site or any linked Web site are free from viruses or other malfunctions. Because of the possibility of computer viruses being transmitted over the Internet, you should take steps to protect your computer from infection. It is your responsibility to review all downloaded materials received through the Internet, and we are not and will not be responsible or liable for any damage caused by any such infection.

User Transmissions.

Unless otherwise specified herein, any information, inquiry or transmission received by CDS from a user of this Web site shall be treated by CDS as non-confidential and non-proprietary. You agree that CDS has the right to use any information for any purpose and in any manner deemed appropriate by CDS.

Limitation of Liability.

Under no circumstances shall CDS or its affiliates be liable to you or any other person for any damages (whether direct, incidental, indirect, consequential or punitive) that result from the use of or inability to use this Web site, whether or not CDS or its representatives have been advised of the possibility of such damages.

Access to Password Protected or Secure Areas.

Access to and use of password protected or secure areas of this Web site are restricted to authorized persons only. Any user who accesses or attempts to use or access such areas without authorization may be subject to civil and/or criminal action.

Property of Custom Disability Solutions.

This Web site is owned and operated by CDS. Except to the extent that this Web site is used in connection with the sale of CDS' products or services , or in connection with the purchase of CDS' products or services by a commercial entity, use of any information contained on this Web site by any person for other than personal, non-commercial purposes is strictly prohibited. Such information shall not be used for any other purpose, or copied, modified or distributed in any manner, without the express prior written consent of CDS.