Terms and Conditions for use of www.towerstonecorp.com

These “Terms and Conditions” govern your use of towerstonecorp.com (the “Towerstone web site”) and also provide notice of privacy policies that apply to the Towerstone web site. The Towerstone web site is owned and operated by The IMA Financial Group, Inc. (“IMA”) as a service to clients of Towerstone, Inc., a subsidiary of IMA, and clients of IMA’s other subsidiaries. IMA and all of its subsidiaries are sometimes referred to below as the “IMA Group”. “You” refers to individuals and entities accessing the Towerstone web site for any reason.

Please read these Terms and Conditions carefully. By using the Towerstone web site, you accept and agree to be bound by these Terms and Conditions. If you do not wish to accept these Terms and Conditions, please do not use the Towerstone web site. IMA reserves the right to change these Terms and Conditions at any time at its sole discretion by updating this posting.

Privacy Policies
These privacy policies apply to IMA’s collection and use of any personal, financial or health information you provide to IMA through the Towerstone web site. If you are an individual or company who has purchased an insurance product or service through the IMA Group, please click on the following link to review the IMA Privacy Policy Notice.

Security
The Towerstone web site is hosted by ViaWest Internet Services, Inc. (“ViaWest”). Towerstone’s contract with ViaWest provides that ViaWest shall not disclose or use any data or information, and shall use commercially reasonable efforts to provide protection for all data and information, that is stored on the dedicated server used by ViaWest to host the Towerstone web site.

Minors
You must be at least 18 years old and have the legal authority to enter into legally binding contracts under applicable law to use this site and the services provided on it. Towerstone does not knowingly collect any personal information from persons under the age of 18.

Transaction of Insurance Business Using the Towerstone Web Site
If you are already a client of Towerstone, you may be able to access information about your insurance coverage and transact business with Towerstone concerning your insurance coverage through the Towerstone web site. Please contact your account manager for further information.

Site Content
The Towerstone web site and all of its content including, but not limited to, articles, other text, photographs, illustrations, graphics, product names, designs, logos, trademarks, video material and audio clips (the “Intellectual Property”) are protected by copyright, trademark, and other laws of the United States, as well as international conventions and the laws of other countries. The Intellectual Property is owned or controlled by Towerstone, a member of the IMA Group, or the party credited as the provider or owner of the Intellectual Property. The compilation (meaning the collection, arrangement and assembly) of all content on the Towerstone web site is the exclusive property of Towerstone and protected by United States and international copyright laws. All software used on the Towerstone web site is the property of commercial software suppliers or Towerstone, and is protected by United States and international copyright laws.

You may view, copy, download or print material appearing on the Towerstone web site subject to the following conditions:

The material may only be used for your personal, non-commercial use;
The material may not be modified;
All copyright, trademark, and other proprietary notices contained in all such copies must be kept intact; and
The copyright notice and permission notice: “Copyright © 2008 The IMA Financial Group, Inc. All rights reserved. Protected by the copyright laws of the United States and international treaties.” must appear on each copy.

Any other actions including, but not limited to, the copying, modification, revision, reproduction, republication, uploading, posting, transmission, or other distribution for commercial or non-personal purposes of any material or element from the Towerstone web site including, but not limited to, the design or layout of the site, individual elements of the site’s design, or Towerstone’s logos without the express written permission of Towerstone or the owner of the Intellectual Property is strictly prohibited.

The Towerstone web site and all of its content are provided on an “as is” basis without any representations or warranties of any kind. Towerstone, to the fullest extent permitted by law, disclaims all representations and warranties, whether express or implied, including the warranty of merchantability, fitness for particular purpose, title and non-infringement. Towerstone makes no warranties about the accuracy, reliability, completeness or timeless of the material, services, software, text, graphics and links contained in or associated with the Towerstone web site. In no event shall Towerstone, any member of the IMA Group, any Towerstone supplier, or any third parties mentioned on the Towerstone web site be liable for any damages whatsoever (including, without limitation, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from your use or inability to use the Towerstone web site and the content thereof, whether based on warranty, contract, tort, or any other legal theory, and whether or not Towerstone is advised of the possibility of such damages.

Links to Other Sites
The Towerstone web site contains links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by Towerstone of the contents on such third party web sites. Towerstone is not responsible for the content or accuracy of any materials or information on such third party web sites.

Cookies
This site may use cookies. Cookies are pieces of information that a web site transfers to your computer’s hard drive for record-keeping purposes. Cookies cannot read data off your hard drive. Some online services on this web site will not function without cookies, however, you do have the option to set your browser to refuse cookies.

Click Streams
We may capture and analyze click stream data to make our site more effective and meaningful for our users. We do not track individuals, only statistical information, such as traffic sources, date of visit, length of visit and connection speeds.