Materials contained on the www.jhferg.com™ website are proprietary and protected by copyright law. Copyright © 2001-2003 J.H. Ferguson & Associates, LLC All rights reserved. Information is provided for general informational purposes and is not intended, nor should be construed, to be complete descriptions of products and services. J.H. Ferguson & Associates, LLC ("J.H. Ferguson") periodically updates and changes the information on this website and reserves the right to do so without any obligation to notify current or prospective clients.

Copyrights & Trademarks
Except as expressly permitted by J.H. Ferguson & Associates, LLC, no copyrighted materials or trademarks may be copied, distributed, reproduced, republished, uploaded or retransmitted in any way without the express written consent of J.H. Ferguson or any third party that may own trademarks displayed on the site. Materials may be printed and downloaded for personal, non-commercial use, provided that the use retains the copyright notices contained on the materials. Public or commercial uses of the content on the site are not permitted without J.H. Ferguson's express written permission.

The "J.H. Ferguson & Associates, LLC", "J.H. Ferguson" and "www.jhferg.com" names are trademarks of J.H. Ferguson & Associates, LLC All other names and marks are those of their respective owners and are used with permission. Nothing contained on this site should be construed as in any way granting any license or right to use any trademark displayed on this website without the written permission of J.H. Ferguson or any third party that may own the mark.

Disclaimers
All information contained on this site is provided "as is". No warranties of any kind, either express or implied are provided and any and all such warranties are disclaimed to the fullest extent permitted by applicable law. This includes but is not limited to warranties of merchantability and fitness for a particular use. J.H. Ferguson does not warrant or make any representation concerning the accuracy, reliability, timeliness or usefulness of materials on the website. J.H. Ferguson does not warrant that functions contained in the materials will be uninterrupted and error-free, or that this website or its server will be virus free. The user assumes the entire cost of any and all damages and J.H. FERGUSON assumes no responsibility or liability for damages to any computer, including viruses, as a result of the use of, access to, or inability to access this website, including servicing, repair or correction. J.H. Ferguson makes no warranties and disclaims any responsibility for any materials, information or activities that may be found on any linked sites.

Limitation of Liability
Although every reasonable effort is put forth to update and maintain the accuracy of the information on this site, the possibility does exist that inaccuracies and omissions may occur. Reliance upon any information contained on this site is at the user's own risk. Under no circumstances, including negligence, will J.H. Ferguson be held liable for any direct, indirect, incidental, consequential or punitive damages resulting from the reliance on, use of, or the inability to use any information contained on this or any linked sites. In addition, any persons or entities that unlawfully access this site or distribute materials from this site shall be responsible for any and all damages and liable to J.H. Ferguson for indemnification of any losses caused by the illegal or unauthorized use.

Jurisdiction
J.H. Ferguson does not represent that the information on this site is appropriate or available for use in all locations. Those accessing this site do so on their own initiative and are responsible for compliance with all applicable laws. The applicable laws of the state of Illinois shall govern any and all disputes arising from the use of, or reliance upon information contained on this website.

Links
Appropriate reciprocal links to the J.H. Ferguson website are welcomed without permission. Any provided links are not endorsements and J.H. Ferguson accepts no responsibility for the content or activities of any other linked sites.

Inquiries concerning J.H. Ferguson's trademarks, service marks, copyrights or website should be directed to United National Group®, General Counsel's Office, Three Bala Plaza East, Suite 300, Bala Cynwyd, PA 19004.

This site is for use by industry professionals and not by the general public.