LEGAL TERMS AND CONDITIONS

This page sets forth the terms and conditions under which the GAB Robins Group of Companies ("GAB Robins") provides the information on this Web site ("Site") as well as the terms and conditions governing your use of this Site. By using this Site you have agreed to these terms and conditions as stated below. If you do not agree with these terms and conditions you should not continue to use our Site. We thank you for your cooperation in this regard.

USE OF MATERIAL

The contents ("Contents") of this Site are protected by copyright under U. S. law and foreign laws. Unauthorized use of the Contents may violate copyright, trademark and other laws. You must retain all copyright and other proprietary notices contained in the Contents on any copy you make of any portion of the Contents. You may not sell or modify any portion of the Contents or reproduce, display, distribute or otherwise use the Contents for any public or commercial purpose. You may cite or refer to information on this Site and make copies of the information for your own personal use. You must have our written permission to distribute copies of the information to others. To request such permission, send a message via e-mail to: answers@gabrobins.com.

ACCURACY OF INFORMATION

The Contents in this Site is provided "as is" and without warranties of any kind whether express or implied, including but not limited to the implied warranties of merchantibility or fitness for a particular purpose. We make no representations about the accuracy, reliability, completeness, or timeliness of the Contents of the Site. It is your responsibility to evaluate the accuracy, completeness or usefulness of the Contents contained herein.

DISCLAIMER OF DAMAGES

IN NO EVENT SHALL GAB ROBINS, ITS EMPLOYEES, OFFICERS AND DIRECTORS AGENTS OR ANY THIRD PARTIES MENTIONED AT THE SITE BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO INCIDENTAL, CONSEQUENTIAL, ACTUAL, SPECIAL, , LOST PROFITS ETC. THAT MAY RESULT FROM THE USE OR INABILITY TO USE THE SITE OR ANY LINKED SITE OR FROM THE CONTENTS CONTAINED HEREIN OR FROM ANY LINKED SITE, OR THAT MAY RESULT FROM VIRUSES, BAD CODE OR OTHER HARMFUL EFFECTS THAT COULD RESULT TO USERS FROM THIS SITE OR ANY LINKED SITE OR FROM ANY OTHER CAUSE AS A RESULT OF YOUR USE OF THIS SITE OR ANY LINKED SITE. 

PROFESSIONAL ADVICE

The information provided on the Site is distributed with the understanding that GAB Robins is not rendering professional advise of any sort. If you have a question or issue requiring profession consultation relating to law, insurance, tax or financial planning or any other area you should consult a professional in the respective area. Any reliance on the information contained herein is solely at the risk of the user.

HYPERTEXT LINKS

Various pages on this Site provide hypertext links to other sites created by others. This linkage is provided by us to you as a free service. We do not, however, guarantee or make any representations of the quality, accuracy or timeliness of those sites. Further our connection to those sites is not an endorsement or adoption of any of the views expressed or the products or services that may be sold on these sites. You use these sites at your own risk and we are not responsible at all for these sites. If you have any questions about these sites they should be directed to the authors.

If you would like to provide a hypertext link from your site to our site you must request our permission before doing so. To request such permission please send an e-mail note to: answers@gabrobins.com.

Please include in your note your name address and telephone number, a description of your site and the reasons why you would like to establish a link to our Site. We will, in addition, want to review your site before granting any permission to you. Should we grant permission to you, we reserve the right to withdraw our authorization to use our Site at any time.

USER INFORMATION

By your use of the Site, you consent that GAB Robins may use information gathered about you from your use of the Site for its internal business and marketing purposes and may disclose such information to third parties for such purposes.

USER SUBMISSIONS

Communications posted by you to this Site are not confidential. By posting communications to this Site, you automatically grant GAB Robins a royalty-free, irrevocable, perpetual, nonexclusive license to use, reproduce, modify, publish edit, transmit, and distribute any communications that you post. Users entering material on the Site are responsible for the content of that material. GAB Robins assumes no responsibility for your communication or the communications of others. However, GAB Robins retains the right, which it may or may not exercise in its sole discretion, to review, edit or delete user communications for whatever reason.

INDEMNITY

You agree to defend, indemnify and hold GAB Robins, their officers, directors employees, affiliated corporations and agents harmless from any and all damages, liabilities, fees, costs, charges and expenses that may result from your breach of this agreement or from communications submitted by you to the Site.

GENERAL

This agreement constitutes the entire agreement between the you and GAB Robins pertaining to this Site and it supersedes any and all other agreements, whether oral or in writing. The failure of GAB Robins to insist upon strict compliance with any of the terms of the Agreement shall not be construed as a waiver with regard to any subsequent failure to comply with such term or provision. This agreement is personal to you and you may not assign your rights under it to anyone. If any provision of this agreement is invalid or unenforceable under law, the remaining provisions shall continue in full force and effect. This agreement shall be governed by the laws of the United States and the State of New Jersey as if the agreement was a contract wholly entered into and to be performed with New Jersey. GAB Robins reserves the right to amend, modify or otherwise change the terms and conditions contained herein at any time and you are advised to check for such changes any time you log into the Site.