The ACA Insurance Trust, Inc. (ACAIT) maintains this Internet site ("Site") as a service to the Internet community. Some of the pages in this Site set forth the term and condition under which ACAIT provides the information on this Site, as well as the terms and conditions governing your use of this Site. By making use of this Site, you agree to be bound by the terms and conditions we have outlined below. If you do not accept these terms and conditions, do not continue to use or access this Site.

1. Description of Products, Services, and Insurance Coverages

The Point: The contract that you may sign constitutes your contract in its entirety. The descriptions of and other information regarding products, services and insurance coverages contained in this Site are provided solely for general informational purposes concerning the nature and type of the products, services and insurance coverages which may be available from ACAIT, and are not intended to be, nor shall they constitute, solicitations or offers to sell in connection with any product, service, or insurance coverage.

The descriptions of the products, services and insurance coverages contained in this Site are for general description purposes only, and are not intended to provide, nor do they provide, complete descriptions of all terms, conditions and exclusions applicable to such products, services and insurance coverages. For a complete description of the terms, conditions, exclusions and coverage limits of any of the insurance coverages mentioned in this Site, please see the applicable insurance policy itself. Nothing contained in this Site amends, modifies or supplements the insurance policies, and in the event there is a discrepancy between the information contained in this Site and the applicable insurance policy, the policy will control.

For a complete description of the terms and conditions applicable to other products and services mentioned in this Site, please contact us. Insurance coverages and other products and services described in this Site may not be available in all jurisdictions.

2. Hypertext Links

The Point: Other companies' sites are other companies'.

Some links to other Internet sites that are not maintained by ACAIT may be accessed through this Site ("External Sites"). ACAIT make no representations whatsoever about the External Sites. The External Sites contain information created, published, maintained or otherwise posted by persons, organizations and entities independent of ACAIT. ACAIT is not responsible, and disclaims responsibility, for the content, accuracy or your use of the External Sites. ACAIT provides links to External Sites as a convenience, and inclusion of a link to an External Site(s) does not imply ACAIT' approval, endorsement or recommendation of the External Site(s) or the information, products, or services found therein.

3. Accuracy of Information, Disclaimer of Warranties, Viruses

The Points: (a) Responsibility for what you download from the Internet is entirely yours, including that which originates on this Site. (b) There will always be some lag time between when policy changes are made and when those changes are posted on the Site.

ACAIT cannot and does not guarantee or warrant that files available for downloading from this Site or from External Sites are free of viruses, worms, letter bombs, Trojan horses, malicious codes or other codes that have contaminating or destructive properties (collectively "Viruses"). ACAIT disclaims all liability for any Viruses which may be loaded into your computer when you download documents from this Site or from an External Site. It is up to you to take precautions to ensure that whatever you select for your use is free of Viruses.

You assume total responsibility and risk for your use of this Site and the information provided in this Site. It is solely your responsibility to evaluate the accuracy, reliability completeness and usefulness of the information provided on this Site.

ACAIT does not make any express or implied warranties, guarantees, or representations whatsoever (including, without limitation, warranties of title, noninfringement, merchantability, or fitness for a particular purpose) as to your use of this Site or the information provided in this Site, including the accuracy, reliability and/or completeness of such information. In no event will ACAIT be liable to you or to any party for any loss or damages (including, without limitation, direct, indirect, special, compensatory, punitive, or consequential damages) that result in any way from your use of this Site or your reliance on or use of the information contained in this Site.

ACAIT reserves the right to change or discontinue at any time the products, services an insurance coverages referred to in this Site without notice. Furthermore, information contained on this Internet Site, including this legal statement, may be changed or updated at any time without notice.

4. Professional Advice

The Point: The content on this Site cannot be construed as professional advice.

The information provided on this Site is distributed with the understanding that ACAIT is not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, tax, financial planning or insurance planning, please seek the advice of a qualified professional in the relevant field.

5. Copyright

The Point: The contract that you sign constitute your contract in its entirety.

The design of and information contained within this Site are protected by copyright, trademark and other proprietary rights. All trademarks and service marks on this Site are owned by the indicated company, unless noted otherwise. You may refer to the information on this Site and make copies of the information for your own use. However, you must have our written permission to distribute copies of the information to others. To request such permission, send a message via email to: Please include your name, address and telephone number, and a description of the intended extent, purpose and distribution of your copying.

6. Confidentiality

The Point: You cannot rely on Internet communications to be confidential.

We look forward to communicating with you and have provided many places on this Site for you to contact us. However, please remember that unless the specific access location says otherwise, the communications, messages and materials you send to this Site or to ACAIT by Internet electronic mail are on a nonconfidential basis, and may be accessible to other Internet users.