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LEGAL DISCLAIMER

THE MATERIAL AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. SPIEGLER INSURANCE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SPIEGLER INSURANCE DOES NOT REPRESENT OR WARRANT THAT ANY OF THE INFORMATION PRESENTED ON ITS WEB PAGES, THIS WEBSITE OR ON THE INTERNET GENERALLY, WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER FROM WHICH IT IS ACCESSED ARE FREE FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.
In no event shall Spiegler Insurance be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use this website. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by Spiegler Insurance  is distributed with the understanding that the authors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

INTELLECTUAL PROPERTY
Unless otherwise noted, the graphic images, button, layout, and text contained in this web site and in other Spiegler Insurance sites are the exclusive property of Spiegler Insurance or used with permission and may not be copied or distributed, in whole or in part, without the express written consent of Spiegler Insurance.   Permission is granted to print copies of Spiegler Insurance web pages, and to display and use these web pages with a computer solely for personal use.

HYPERLINKS
Spiegler Insurance cannot guarantee that the hyperlinks, pointer or other linking functions (hyperlinks) set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by persons over whom Spiegler Insurance has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, Spiegler Insurance assumes no responsibility for the content of any sites referenced to by any hyperlink or otherwise. Spiegler Insurance believes that making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. You may not provide hyperlinks to this website without prior written consent of Spiegler Insurance.

DATA PROTECTION
Spiegler Insurance is committed to respecting the privacy of your personal information and considering current technology, has taken all reasonable measures to do so. Spiegler Insurance is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Spiegler Insurance has the right, but not the obligation, to monitor any transmission made to and for this website. Spiegler Insurance may reproduce, use, distribute or disclose information transmitted to this site or collected through the use of this website. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that no obligation of any kind shall be attached to such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and Spiegler Insurance.

SOFTWARE QUALITY
Spiegler Insurance does not warrant that any information, software or other material accessible through Spiegler Insurance web pages is free of viruses, worms, Trojan horses or other harmful component. Spiegler Insurance assumes no responsibility and shall not be liable for any, direct, indirect, incidental or consequential damages that result from the use, access to, browsing in or downloading of the any information, data, text, images or other material accessible through Spiegler Insurance web pages, this website or the website of any linked third parties.

USER CONDUCT
When accessing or making use of any service provided on Spiegler Insurance web pages you may not:
Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.
Post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component; restrict or inhibit any other user from using the website.
Post, publish, transmit, reproduce, distributor exploit any information, software or other material obtained through SPIEGLER INSURANCE web pages for commercial purposes other than expressly permitted.

UPDATE OF LEGAL INFORMATION
This page is updated and modified from time to time. You should check this page every time you access Spiegler Insurance web pages.  Last update of this page: February 2010.

PRIVACY POLICY
Spiegler Insurance is firmly committed to protecting your privacy and the confidentiality of your Personal Information. We understand your privacy and security concerns regarding the information we collect, use and disclose to third parties for the purpose of allowing us to provide and offer our products and services to you. To notify you about our practices, we have developed this Privacy Policy. Any personally identifiable information collected on this Site is considered Personal Information (“Personal Information”) and will be treated in accordance with this Privacy Policy.  We do not sell or rent any information submitted.