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TERMS OF USE STATEMENT Please read these Terms of Use carefully before using this web site. By accessing and using this web site you are agreeing to be bound by these Terms of Use. Medical Professional Liability Agency, Ltd. reserves the right to modify these Terms of Use at any time. Please check this page regularly; your continued use of this site will constitute your acceptance of any revisions to the Terms of Use. Proprietary Information Medical Professional Liability Agency, Ltd. conducts business in its own name and, in California, under the assumed name Doctors' Professional Liability Agency, Ltd. All information provided by Medical Professional Liability Agency, Ltd. ("MPLA") through its web sites or e-mail transmissions is owned by or licensed to MPLA. MPLA and its licensors retain all proprietary rights to MPLA information. All unauthorized use of published information is strictly prohibited without prior written permission from MPLA. You may, however, copy or print without alteration documents published on our sites or transmitted via e-mail for noncommercial use within your organization provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All trade names, trademarks, service marks, images and logos on materials, including electronic facsimiles, published by MPLA are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Any unauthorized use of MPLA owned marks or graphics is strictly prohibited. Further, any product, process or technology contained in individual documents on our web sites may be the subject of other intellectual property rights reserved by MPLA. No portion of this web site or any other intellectual property of MPLA may be used on any other web site, in the source code of any other web site or in any other printed or electronic materials, except as expressly provided herein. Linking from another web site to any page in this web site is strictly prohibited without prior written permission. MPLA assumes no responsibility for any material outside of MPLA owned web sites that is accessed by any hypertext or other computer link through any of our web sites. Any attempt or act by you, directly or indirectly, to disrupt, impair or interfere with, alter or modify any MPLA owned web site, e-mail server or proprietary information is strictly prohibited. Products and Services The information contained in MPLA web sites is intended as general information and does not constitute complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by MPLA. Insurance coverage provided through MPLA is limited to actual policies issued and is subject to the terms and conditions stated in the policies. Product availability varies by state and the individual circumstances of each applicant. The on-line completion of a MPLA Survey creates no express or implied obligation on the part of MPLA to offer a quote or provide insurance as requested. Privacy Please review our Privacy Policy which also governs your visit to MPLA web sites. Disclaimer of Warranty The content and materials in MPLA web sites are provided "as is". MPLA expressly disclaims all warranties, express or implied, with respect to MPLA sites and the material contained therein. This includes, but is not limited to, warranties that the material is of any particular level of quality or is fit for a particular purpose; that the functions or operations of this site will be uninterrupted or error-free; that defects will be corrected; that our web sites, e-mail sent from MPLA or the servers that make them available are free of viruses or other harmful components or conditions; or that the information contained in the sites is accurate of any particular date. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. Limitation of Liability MPLA shall not be responsible for any injury, loss, claim or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability, or otherwise, which arises out of (1) the use of, or the inability to use, MPLA sites or the information found on MPLA sites; (2) use of, or the inability to use, any site to which you hyperlink from our sites; (3) failure of performance; (4) error, omission, interruption, defect or delay in operation or transmission; (5) computer virus; or (6) line failure. MPLA is not liable for any consequential or incidental damages, damages reasonably expected to result from a loss or injury or other miscellaneous damages and expenses resulting directly from a loss or injury. In addition, MPLA is not liable even if we have been negligent or if we have been advised of the possibility of damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions may not apply to you in their entirety. Our liability to you for all losses of any kind, regardless of the legal theory for the claim, is limited, in any event, to the amount you have paid to access our sites. Jurisdiction Use of this site shall be governed by and construed in accordance with the laws of the State of New York without giving effect to any principles of the conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Nassau County, New York. Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions. Inquiries Questions regarding these Terms of Use should be directed to MPLA's General Counsel at 370 West Park Avenue, Long Beach, New York 11561. |