Introduction
Selling insurance via the Internet is fast becoming an option that many insurance companies and insurance producers are considering. There are many factors to consider when setting up a Web site. An insurance producer may simply wish to advertise basic information about his insurance agency. Other insurance producers may wish to establish a more elaborate Web site including specifics about insurance products offered, a quoting mechanism, or the ability for current or prospective insureds to communicate via e-mail with the insurance agency.

When considering the information which will be included on the Web site, insurance producers should consider including certain disclosures and disclaimers. Set forth below, is a sample of the types of disclosures and disclaimers that may be included on an insurance producer's Web site.

States where we do business
The product and services information included in this Web site is intended for residents in the states Creative Agency Group are licensed and in the District of Columbia, and is neither an offer to sell insurance nor an advertisement of insurance in any place the states Creative Agency Group are licensed in and the District of Columbia. Creative Agency Group is licensed to sell insurance in the states where we are licensed in and the District of Columbia.

Authorization of use
Creative Agency Group hereby authorizes any person to access this Web site for informational purposes only. Creative Agency Group reserves the right to terminate access to this Web site at any time without notice. The data, information and material included in this Web site is copyrighted by Creative Agency Group. All rights are reserved under the copyright laws of the United State of America. No part of this Web site can be redistributed, copied or reproduced without the prior written consent of Creative Agency Group.

No warranties
The user of this Web site assumes all responsibility and risk for the use of this Web site and the Internet generally. Creative Agency Group, and its affiliated companies disclaim all warranties, representations or endorsements, express or implied, with regard to the data, information and material included in, or accessible from, this Web site or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or noninfringement. Creative Agency Group and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Web site without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Web site. No advice or information given by Creative Agency Group or its affiliated companies shall create any warranty. Neither Creative Agency Group nor its affiliated companies warrants that the data, information and material included in the Web site or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Web site is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state of state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If your are interested in the terms and conditions of a specific product, please contact us at info@creativeagency.com for additional information.

Disclaimer of liability
In no event shall Creative Agency Group or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages, or any damages whatsoever resulting from loss of use, data, information, or profits arising out of or in connection with the use or performance of the data, information, or material included in this Web site or on the Internet generally, or on any other basis.

Disclaimer for links
Although this site includes links providing direct access to other Internet sites, Creative Agency Group and its affiliated companies take no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over those other sites.

Electronic communications
Creative Agency Group will not be deemed to have accepted any electronic communication unless Creative Agency Group provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Creative Agency Group sends any electronic communication, Creative Agency Group will assume the communication was received intact by the intended recipient. The recipient of such message must notify Creative Agency Group if the transmission was not received or was not received in a readable format.

Security
Despite the security measures taken by Creative Agency Group, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Creative Agency Group disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may fax the information to 732.946.2044 or mail it to 15 Creative Circle Holmdel, NJ 07733.

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