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The Web pages of LiDAC are directed towards individuals and entities located in the United States only. LiDAC does not solicit or conduct business outside of the United States and LiDAC makes no representation that the information or other Content (as defined below) is appropriate or available in other locations. Those who access any LiDAC Web site from other locations are responsible for compliance with local laws, if and to the extent local laws are applicable. The insurance coverages and services of the companies of LiDAC may not be available in all states.

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The Web pages of LiDAC may provide a general description of certain types of insurance coverages and services available through the companies of LiDAC. These descriptions are not a part of an insurance contract, policy, or certificate and do not amend, revise or alter the terms of any contract, policy or certificate issued through or services provided by the companies of LiDAC.

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You may have other agreements with the companies of LiDAC. Those agreements are separate and in addition to these terms of use. These terms of use do not modify, revise or amend the terms of any other agreements you may have with the companies of LiDAC.

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THIS WEB SITE, INCLUDING, BUT NOT LIMITED TO, ALL DATA, TEXT, SOFTWARE, FUNCTIONS, MUSIC, SOUND, GRAPHICS, PHOTOGRAPHS, VIDEO, MATERIALS AND INFORMATION MADE AVAILABLE OR ACCESSED THROUGH THIS WEB SITE AND IN THE OTHER SITES OF LiDAC (THE "CONTENT") ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. FURTHER, LiDAC AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, UNINTERRUPTED OR ERROR FREE SERVICE, IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW DISCLAIMER OF EXPRESS OR IMPLIED WARRANTIES, SO THIS DISCLAIMER MAY NOT APPLY TO YOU.

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You may download and make one (1) copy of insignificant portions of the Content retrieved from this Web site or other downloadable materials displayed on it, provided (a) it is used only for informational purposes, (b) you do not remove, modify, or obscure the copyright notice or other notices. Except as expressly provided above, no part of this Web site, including, but not limited to, materials retrieved therefrom and the underlying code, may be reproduced, republished, copied, transmitted, or distributed in any form or by any means. In no event shall materials from this Web site be stored in any information storage and retrieval system without prior written permission from LiDAC.

The Content is presented for informational purposes only. LiDAC MAKES NO WARRANTY OF ANY KIND AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THIS WEB SITE, OR AS TO THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY OR CONTENT OF ANY INFORMATION OR MATERIAL PROVIDED BY OR THROUGH THIS WEB SITE. THE ENTIRE RISK AS TO THE QUALITY, ACCURACY, ADEQUACY, COMPLETENESS, CURRENCY, CORRECTNESS, OR VALIDITY OF ANY INFORMATION OR MATERIAL PROVIDED BY OR THROUGH THIS WEB SITE RESTS WITH YOU. All Content contained on any Web page owned, operated, licensed or controlled by LiDAC is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly make no guarantees and assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

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IN NO EVENT SHALL LiDAC BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE, THIS WEB SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT OR FOR ANY ERRORS CONTAINED THEREIN. THIS DISCLAIMER OF LIABILITY INCLUDES, BUT IS NOT LIMITED TO, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, WHETHER FOR BREACH OF CONTRACT TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS EXCLUSION AND LIMITATION MAY NOT APPLY TO YOU.

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This Web site is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, logos, text, and other materials contained in this Web site and in the other sites of LiDAC are the exclusive property of LiDAC and/or its related, affiliated and subsidiary companies, or its third party licensors. This information is for the personal viewing of visitors to the Web site and may not be used, copied, modified, republished, transmitted, distributed, or otherwise exploited, in whole or in part, without the prior written consent of LiDAC or its related, affiliated and subsidiary companies. Any third party components or materials of this Web site that are used by LiDAC with permission, may not be used by you without written consent of the owner.

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LiDAC and its related, affiliated and subsidiary companies cannot guarantee that the hyperlinks, pointers, or other linking functions set out on the LiDAC sites will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by persons over whom LiDAC and/or its related, affiliated and subsidiary companies have no control. Such links do not constitute an endorsement of any third party resources or content. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, LiDAC and/or its related, affiliated and subsidiary companies assume no responsibility or liability for the content of any sites referenced by any hyperlink, or otherwise. LiDAC and/or its related, affiliated and subsidiary companies believe that their making hyperlinks available to publicly accessible Web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. You may not provide hyperlinks to this Web site without prior written permission from LiDAC.

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LiDAC and/or its related, affiliated and subsidiary companies are not obligated to monitor any transmission made through their respective Web pages. However, LiDAC and/or its related, affiliated and subsidiary companies have the right, but not the obligation, to monitor any transmission made to and from this Web site. LiDAC and/or its related, affiliated and subsidiary companies may reproduce, use, distribute or disclose information transmitted by you to this Web site or collected through your use of this Web site, without limitation, including any ideas, concepts, know-how or techniques contained in the information. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that no obligation of any kind shall be attached to such information and that by transmitting information to or by means of the Web site, no confidential, fiduciary, contractually implied or other relationship is created between you and LiDAC

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LiDAC and/or its related, affiliated and subsidiary companies do not warrant that any information, software or other material accessible through one of their Web pages is free of defects, viruses, worms, Trojan horses or other harmful components.

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When accessing or making use of any service provided on the Web pages of LiDAC you may not:

post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane, or otherwise objectionable information of any kind, including without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, national or international law, including without limitation, the U.S. export control laws and regulations;

post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component; restrict or inhibit any other user from using and enjoying the Web site; post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained through our Web pages for commercial purposes (other than expressly permitted by the provider of such information, software or other material); or

upload, post, publish, transmit, reproduce or distribute in any way, information, software or other material obtained through our Web pages which is protected by copyright, or other proprietary right, or derivative works with respect thereto, without obtaining permission of the copyright owner or rightholder, or upload, post, publish, reproduce, transmit or distribute in any way any component of our Web pages themselves or derivative works with respect thereto, except where expressly permitted in writing.

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LiDAC may terminate the right of any user to access this Web site at any time, with or without cause, in LiDAC’s absolute discretion and without notice. Any statement in these terms or elsewhere on this Web site of specific grounds for termination of a user's right to access this Web site shall in no manner limit LiDAC’s absolute right to terminate any user's access to this Web site under this section.

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The laws of the State of New York shall govern all matters concerning the validity, performance and interpretation of these Terms of Use. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be considered modified to conform with the law. The other provisions will not be affected by any such modification.

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All disputes, claims or controversies arising under or in connection with the use of this Web site, including the validity, scope and enforceability of this article, which are not otherwise settled by the parties, shall be finally settled by arbitration. The arbitration shall be held in New York, New York, USA and shall be conducted in accordance with the Rules of Arbitration of the American Arbitration Association in effect at the time the proceedings begin.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.

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These terms of use are updated and modified from time to time. The modified terms take effect automatically the day they are posted. Every time you access the Web sites of LiDAC and/or its related, affiliated and subsidiary companies, make sure that you check these terms.

IF THESE TERMS ARE NOT ACCEPTABLE TO YOU IN FULL, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEB SITE.