Howard & Hoffman, Inc.

LEGAL DISCLAIMER

CONDITIONS OF USE

Howard & Hoffman, Inc. requires that all visitors to the Howard & Hoffman, Inc. site (www.howard-hoffman.com and www.youthsportsinsurance.com) follow certain rules and regulations. In this Agreement, all visitors are referred to as "you", "your", or "visitor" or "user". The Howard & Hoffman, Inc. site is referred to as the "site" or as the "Howard & Hoffman, Inc. site". When you access the site, the act of accessing the site serves as your agreement to be bound by those rules and regulations, as set out herein. These terms and conditions may be revised at any time 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.

DISCLAIMER

THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, HOWARD & HOFFMAN, INC. AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. HOWARD & HOFFMAN, INC. DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. HOWARD & HOFFMAN, INC. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT HOWARD & HOFFMAN, INC.) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.

LIMITATION OF LIABILITY

While Howard & Hoffman, Inc. uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. Howard & Hoffman, Inc. makes no warranties or representations as to the accuracy of this website. Under no circumstances, including, but not limited to, negligence, shall Howard & Hoffman, Inc. or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Howard & Hoffman, Inc. or an Howard & Hoffman, Inc. authorized representative has been advised of the possibility of such damages. In no event shall Howard & Hoffman, Inc.'s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

NO VIRUS LIABILITY

Howard & Hoffman, Inc. also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this site or your downloading of any materials, data, text, or images from this website.

JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, Howard & Hoffman, Inc. makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

The information contained on this website is not an offer to sell or a solicitation to buy any insurance product. No insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

TRADEMARKS AND COPYRIGHTS

The Howard & Hoffman, Inc. site may contain service marks, trade marks, logos and other symbols which are the property of Howard & Hoffman, Inc. or others. The Howard & Hoffman, Inc. site is protected by such copyrights as a collective work and/or compilation, under U.S. law, international conventions and other copyright law.

A.) You agree to abide by any and all copyright notices, restrictions and the like in any content of the site. You, as a user, agree not to use any of those protected marks, logos or representations without the prior written authorization of the owner of such marks.

B.) You are prohibited from and you agree to refrain from:

1.) Making any modifications in any information at the site,

2.) Copying information from the site (whether for your own use or distribution),

3.) Displaying information from the site,

4.) Selling, licensing, publishing or creating any kind of derivative work making use of content of, or information from this site for commercial or public purposes.

5.) Creating any derivative works from material at the site, reverse engineering, decompiling, disassembling or in any other way commercially exploiting the information or structure of the site.

LINKS

This website may be linked to other websites which are not maintained by Howard & Hoffman, Inc. Howard & Hoffman, Inc. is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Howard & Hoffman, Inc. of the websites or the content thereof.

QUESTIONS

If you have any questions about this information or about our website, please fell free to contact us at 202-966-0700 or webmaster@howard-hoffman.com.