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Legal Notice

CONDITIONS OF USE

By using this site, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this site. HSB Professional Loss Control (and/or its affiliated entities, referred to herein as "HSB PLC") 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.

DISCLAIMER

The materials on this site are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, HSB PLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. HSB PLC does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this web site or the server that makes it available are free of viruses or other harmful components. HSB PLC 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 HSB PLC) 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. This website may be linked to other websites that are not maintained by HSB PLC. HSB PLC is not responsible for the content of those websites. The inclusion of any link to such web sites does not imply approval of or endorsement by HSB PLC of the websites or the content thereof.

LIMITATION OF LIABILITY

While HSB PLC uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. HSB PLC makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall HSB PLC 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 HSB PLC or an HSB PLC authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall HSB PLC'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. HSB PLC also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS

This website is owned and operated by HSB PLC. Except as otherwise expressly permitted by HSB PLC, no materials from this website or any website owned, operated, licensed or controlled by HSB PLC may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without HSB PLC's written permission. HSB PLC neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with HSB PLC.

JURISDICTIONAL ISSUES--PRODUCTS AND SERVICES

Unless otherwise expressly set forth herein, HSB PLC 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. Except as specifically set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

TRADEMARKS AND COPYRIGHTS

All trademarks, services marks, trade names, logos and icons are proprietary to HSB PLC. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of HSB PLC or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with the permission of, HSB PLC. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

PRIVACY POLICY

HSB Professional Loss Control is committed to protecting your privacy. Questions regarding this policy should be directed to the webmaster or at the following address:

Attn: Wayne Holmes
HSB Professional Loss Control
P.O. Box 299
Hartford, CT 06141-0299

What information do we collect?
We collect certain information about our visitors when an inquiry is made via the site. The type of information requested includes your name, address, telephone number, email address, etc. This information is voluntarily supplied by the correspondent.

How do we use information we collect?
We may use information collected to send promotional information, to enhance the operation of our site through viewer feedback, and to administer our systems. We do not sell, trade, or rent your personal information to others and will not disclose it to third parties except as may be required by law.