Legal Notice

Your access to and continued use of the website of Assurance Agency, Ltd. at constitutes your acceptance of, and is conditioned upon your compliance with, the following terms and conditions. Assurance reserves the unilateral right to amend or terminate all or any portion of these terms and conditions from time to time, and it is your responsibility to check for such changes.

Copyright 2008 Assurance Agency, Ltd. All rights reserved.

The Site contains information, communications, software (including program code which may execute on a server or which may be embedded in or be downloadable from individual pages on the Site), images, sounds, music, graphics, photos, videos, data, services and other material (collectively, the “Information”). Users of the Site agree that the Information is protected by intellectual property rights, including copyrights, trademarks and other proprietary rights, which are valid and protected in all media now existing or hereafter developed, and all use of the Information shall be in accordance with such rights and these terms and conditions. Users of the Site 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 the Information, by display or print, solely for their own personal, non-commercial use, provided that the Information is not modified and a copy of these terms and conditions 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 an authorized officer Assurance. All rights in any third-party information, which is linked to, but not hosted on, the Site shall continue to be owned by the respective owners of such information.

No Solicitation

The Information is provided for informational purposes only. No part of the Site constitutes, or should be construed to constitute, an offer or solicitation to buy or sell any products or services.

Certain portions of the Site may contain listings of products, services, businesses, professionals, and other resources. Assurance, in its sole and absolute discretion, reserves the right to remove, reject or edit any listing.

No Endorsement or Affiliation

The Site contains links to other sites. These links are provided to help you identify and locate other Internet resources that may be of interest to you. These other sites are independently developed by third parties other than Assurance, and Assurance does not assume responsibility for the accuracy or appropriateness of the information contained at, or endorse any views expressed at, such sites. In providing links to other sites, Assurance is not in any way acting as a publisher of the material contained at those other sites, and Assurance does not have or exert any editorial control over the content at such sites.

A link to any other site should not be construed to suggest that the Site is affiliated or associated with the owner of such other site, or that Assurance is legally authorized to use any trade mark, service 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 on the Site of a third party or any of its products or services should not be construed as an endorsement of that party or any of its products or services.

No Advice or Warranties

The Information is provided for educational information purposes only. It is not intended as insurance, risk management, legal, business, financial, accounting or tax advice and should not be relied upon in any such respect. You should not act or rely on any Information without seeking the advice of your own professional advisors.

The Information is generally believed to be reliable when posted. However, Assurance does not guarantee the accuracy, quality, completeness or timeliness of any of the Information. Information contained on the Site may contain errors. Assurance assumes no obligation to correct, supplement or update the Information or to advise of any further developments regarding any matter mentioned or addressed.

Access to the 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.

Assurance disclaims any and all representations and warranties regarding the Information and your use of the Site, including any and all implied warranties of merchantability, fitness for a particular purpose or use, or non-infringement, whether express or implied, or arising from a course of dealing, usage or practice.

No Liability

Assurance shall not be responsible for any direct, indirect, special, incidental, consequential or other damage whatsoever, regardless of howsoever caused, arising out of or related to the Information or your use of the Site, including for any loss of use, lost data, lost business revenues or profits, business interruption, personal injury, property damage, or any other pecuniary loss, regardless of whether in an action under statute, contract or common law, even if Assurance has been informed of the possibility thereof.


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

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, forging or other wrongful conduct.

Assurance and its affiliates shall not be responsible for any damages you may suffer as a result of transmitting confidential information to Assurance or its affiliates through the Internet, or implicitly or explicitly authorizing Assurance or its affiliates to send confidential information to you in such manner.

Compliance with Law

You agree that your use of the Site shall not violate any applicable international, national, federal, state or local law, including, but not limited to, any rules, regulations or protocols having the force of law.

Choice of Law

The laws of the State of Illinois and the laws of the United States of America applicable therein shall govern the interpretation, validity and enforcement of this Agreement, notwithstanding any conflict of laws provisions or your domicile, residence or physical location. You hereby consent and submit to the exclusive jurisdiction of the federal or state courts sitting in Cook County, Illinois, in any action or proceeding instituted under or related to this Agreement. You agree not to commence any action or proceeding except in Cook County, Illinois.

If you do not agree to be bound by the foregoing terms and conditions, then please click on the [BACK] button on your Web browser until you have left this Site, and please hereafter refrain from accessing the Site or using the Information for any purpose.