Reserved Rights and Grant of Limited License

Copyright (c) 1999, 2000 Association Services and Insurance Brokers, LLC (the operator of the Site). All rights reserved. The Site contains information, communications, software (including program code which may execute on the server or which may be embedded in or downloadable from individual pages on the Site), images, sounds, music, graphics, photos, videos and other material and services (collectively, the "Information"). Users of the Site agree that the Information is protected by intellectual rights, including copyrights, trade-marks and other proprietary rights, which rights are valid and protected in all media existing now or later developed, and all use of the Information shall be in accordance with such rights and the terms of this Agreement.

The Site, including all components, are protected by U.S. and international copyright laws as a collective work and/or a compilation, and the operator of the Site owns a copyright in the selection, arrangement and enhancement of the Information. Users of the Site contractually agree not to create derivative works based on the Information and not to use the Information for the purpose of enhancing competing works.

Users of the Site are granted a limited license to use (display or print) the information contained on the Site (the "Information") for their own personal non-commercial use only, provided the Information is not modified and a copy of this agreement is attached to any copies that are made. Any other use of the Information is prohibited. None of the Information may be otherwise reproduced, republished or re-disseminated in any manner or form without the prior written consent of the operator of the Site. All rights, including copyright, in any information (including articles and other content) which are linked to but not hosted on the Site continue to be owned by their respective owners

No Solicitation

The Information on this Site is provided for informational and educational purposes only. No part of the Site should be taken to constitute an offer or solicitation to buy or sell any products or services.

Listings

Certain portions of this Site may contain listings of products, services, businesses, professionals, and other resources. The Operator of this Site reserves the right to remove or reject any listing, or to edit the description of any listing, at his sole and absolute discretion.

No Endorsement or Affiliation

The Site contains links to other sites. These links are provided as references to help you identify and locate other Internet resources that may be of interest. These other sites were independently developed by parties other than the operator of the Site and the operator of the Site does not assume responsibility for the accuracy or appropriateness of the information contained at, or endorse the viewpoints expressed at, such sites. In providing links to other sites, the operator of the Site is in no way acting as a publisher of the material contained on those other sites and does not seek to control the content of, or maintain any type of editorial control over such sites.

A link to another site should not be construed to imply that the Site is affiliated or associated with, or is legally authorized to use any trade mark, trade name, logo or copyrighted symbol that may be reflected in the link or the description of the link to such other sites.

The mention of another party or its product or service on the Site should not be construed as an endorsement of that party or its product or service.

No Advice or Warranties

The Information on the Site, including but not limited to newsletters, articles, opinions and views, is provided for educational information purposes only. It is not intended as insurance, risk management, legal, accounting or tax advice and should not be relied upon in that respect. You should not act or rely on any Information at the Site without seeking the advice of a professional.

Information provided on the Site is believed to be reliable when posted. However, the Site does not guarantee the quality, accuracy, completeness or timeliness of the Information provided. The operator of the Site assumes no obligation to update the Information or advise on further developments concerning topics mentioned. Information contained on the Site may contain typographical errors. Information provided may be changed without notice.

Access to this site is provided on an "as is" basis. You should not assume that your use of the Site will be error free or that the Site will operate without interruption.

The operator of Site disclaims all warranties, representations and conditions regarding use of the Site or the information provided, including all implied warranties of merchantability, fitness for a particular purpose, non-infringement, whether express or implied, or arising from a course of dealing, usage or trade practice.

No Liability

The operator of the Site is not responsible for any direct, indirect, special, incidental, consequential or any other damages whatsoever and howsoever caused, arising out of or in connection with the use of the Site or in reliance on the Information available on the Site, including any loss of use, lost data, lost business profits, business interruption, personal injury, or any other pecuniary loss, whether in an action of contract, negligence or other tortuous action, even if the operator of the Site has been informed of the possibility thereof.

Trade Marks

Certain words, phrases, names, designs or logos used on the Site may constitute trade marks, service marks or trade names of the operator of the Site or other entities. The display of any trade marks on the Site does not imply that a license has been granted for any further use. The

Confidentiality Warning

Absent the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is especially vulnerable to interception and forging. The operator of the Site will not be responsible for any damages you may suffer as a result of transmitting confidential information to the operator of the Site through the Internet, or implicitly or explicitly authorizing the operator of the Site to send confidential information to you in this manner.

Conformance with Law

You agree that your use of the Site shall not violate any applicable local, national or international law, including but not limited to any regulations having the force of law. Some jurisdictions may have restrictions on the use of the Internet by their residents.

Choice of Law

The laws of the State of California and the laws of The United States of America applicable therein shall govern as to the interpretation, validity and effect of this Agreement notwithstanding any conflict of laws provisions or your domicile, residence or physical location. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the State of California in any action or proceeding instituted under or related to this Agreement. You agree not to commence any action or proceeding except in San Diego, CA.