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Ethika hereby authorizes you to copy and display the content herein, but only for your personal or informational and non-commercial purposes. However, the content herein shall not be copied or posted in any network computer or broadcast in any media. Any copy you make must explicitly mention Ethika as the original owner.
Ethika has created this website to provide general information for its users. By using this website, you are consenting to be bound by the following terms and conditions of use without limitation or qualification.
Please read these conditions carefully before using this website. Ethika may modify any of the terms and conditions at any time and at our sole discretion by updating this posting. Your continued use of the content and service following our posting will constitute binding acceptance of the change. You are advised therefore to periodically visit this page to review the then current terms and conditions to which you are bound.
The materials provided on this website are provided “as is” and without warranties of any kind either expressed or implied. Ethika is not responsible for the availability of, or the content located on or through any External Site. It 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 and the server that makes it available are free of viruses or other harmful
components. You (and not Ethika) assume the entire cost of all necessary servicing, or correction.
Ethika will not be responsible or liable for the accuracy, reliability, copyright, compliance, legality or decency of any content or any interruption in service. 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.
Ethika makes no representation or warranty whatsoever and assumes no responsibility or liability whatsoever in connection with the accuracy, completeness, or currency of the materials or the suitability, functionality, or operation of the materials on this or any other sitewhich may be hyperlinked to this site. Ethika is in no way responsible for the views, content or accuracy of any site, which is either hyperlinked to or, from this site, nor does
Ethika endorse any content or products that may be advertised or noted on these sites. Information on this Web site is subject to change at any time without prior notice.
LIMITATION OF LIABILITY
Ethika provides these materials and Web site on an “as is” “when available” basis without warranty of any kind, express or implied, including but not limited to any implied warranty of merchantability or fitness for a particular purpose or non-infringement. In no event will Ethika be liable for any damages or for acts of negligence arising in connection with any information, result, error, omission, defect, delay or system malfunction
relating to Ethika’s website regardless of whether Ethika has been advised of the possibility of such damages.
Ethika 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 website or your downloading of any materials, data, text or images from this website. Access to this Web site may be monitored and use of this site constitutes consent to monitoring.
Cancellation and refund policy is determined by the insurer. These details are available on their websites and in their detailed policy contracts.
Unauthorized access to secured databases or circumvention of security measures on this Web site may be a violation of state and federal laws.
Ethika makes no representation that materials on this website are appropriate or available for use in any location unless otherwise expressly set forth. 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
All trademarks appearing on this site are the property of their respective owners. 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 Ethika 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.
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