LEGAL NOTICE:

The following Terms and Conditions govern your use of this website (the "Website") and the materials accessible on or from the Website. The Website is provided as a public service and to customers of Stonewood Insurance Company ("Stonewood") and may be used for general informational purposes only. Single copies may be downloaded subject to the provisions below. By accessing or browsing the Website, or by downloading any materials from the Website, you agree to be bound by the Terms and Conditions set forth below.

TERMS AND CONDITIONS:

Not a Policy or Contract of Insurance. Any information on the Website describing benefits and coverage should not be construed as a policy or contract of insurance or any offer of a Stonewood product or service to you.

Loss Prevention Advice. The loss prevention advice presented on the Website is intended as general information of interest to individuals responsible for controlling or minimizing the potential for injuries to persons in the workplace. In providing this information, Stonewood does not warrant that potential hazards or conditions have been evaluated or can be controlled. No representation is made or intended that implementation of any safety practices or procedures will place you in compliance with any law, regulation or contractual agreement. This information is without warranty of any kind, express or implied, and is not intended as an offer to insure such conditions and exposures.

No Warranties. The information and materials contained on the Website are provided without any warranties or representations that the information and materials are suitable for your needs, are complete, timely or accurate. Stonewood assumes no liability or responsibility for any errors or omissions in the content of the Website. Stonewood reserves the right to modify the information contained in the Website without notice, and makes no commitment to update the information contained in the Website. Stonewood does not warrant that the Website will operate error-free or is free from viruses, worms, Trojan horses or other destructive or harmful code. Without limiting the foregoing, everything on the Website is provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply.

Limitation of Liability. IN NO EVENT WILL STONEWOOD OR ANY OF ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, BUSINESS INTERRUPTION AND LOSS OF PROGRAMS OR OTHER DATA. Stonewood also assumes no responsibility for, and shall not be liable for any damages resulting from, your access to, use of, or browsing in the Website or your downloading of materials, data, images or text from the Website, or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, worms, Trojan horses or other destructive or harmful code, delay in operation or transmission, or system failure.

Information Sent to Stonewood. Stonewood discourages you from sending, posting, or otherwise communicating or transmitting to the Website or Stonewood any information that you consider confidential or proprietary. Please note that if you do send, post, or communicate any such information or material, Stonewood will assume that it is not confidential or proprietary, regardless of any notices to the contrary. By sending, posting, or communicating any information or material, you grant Stonewood and its affiliates an unrestricted, irrevocable license to use, sell, reproduce, display, perform, modify, transmit and distribute those materials or information, and you agree that Stonewood is free to use any ideas, suggestions, data, questions, concepts, know-how or techniques that you send, post or communicate, for any purpose.

Linked Websites. The Website may contain links to other websites. Such links are meant solely for the user's convenience. Stonewood does not control or review these sites nor does the provision of any link imply an endorsement or association of such sites. Stonewood is not responsible for and makes no representation or warranty regarding the contents, completeness, accuracy or security of any materials in such sites. We assume no liability for the content of linked sites or products offered at such sites and your linking to such sites is at your own risk.

Personal Information and Privacy. The web servers of Stonewood and its affiliates may collect the domain names of visitors to the Website. This information may be aggregated to measure the number of visits, average time of visit, pages viewed, etc., in order to measure the use of the Website and improve content as may be necessary. When you view certain parts of the Website, information may be stored on your computer. This information will be in the form of a "cookie" or similar file and will permit tailoring of the Website to better match your interests and/or preferences. Stonewood only collects personal information from our visitors submitted on a voluntary basis. Personal information may include name, title, company, address, e-mail address, phone number and the like. Unless specifically stated, we do not require this information to obtain access to any part of our Website. Stonewood has no intention of collecting any personal data from individuals under 13 years of age. Stonewood may store and disclose personal information as allowed or required by applicable law, including making disclosures that are necessary or advisable to (i) protect the rights, safety or property of Stonewood or others and (ii) conform to legal or regulatory requirements. As stated above, however, the Website contains links to other websites and Stonewood does not control the privacy policies of those sites.

Governing Law and Jurisdiction. The Website is controlled by Stonewood from its principal office in the State of North Carolina, USA. Stonewood makes no representation that materials on the Website are appropriate or available for use in other locations. Those who choose to access the Website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. The laws of the State of North Carolina will apply to all matters relating to the use of the Website and you agree to submit to the exclusive personal jurisdiction and venue of the Superior Court in Wake County, North Carolina and to the United States District Court for the Eastern District of North Carolina.

Violations, Changes. Stonewood reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Website. Stonewood may at any time revise these Terms and Conditions 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.