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AIA Terms and Conditions of Use

The contents of all materials on this Internet site are copyrighted by the American Insurance Association (AIA) unless otherwise indicated. Copyright is not claimed as to any part of an original work prepared by a U.S. or state government officer or employee as part of that person's official duties. All rights are reserved by AIA and content may not be reproduced, disseminated, published, or transferred, in any form or by any means, except with the prior written permission of and with express attribution to AIA. Copyright infringement is a violation of federal law subject to criminal and civil penalties. AIA, THE AMERICAN INSURANCE ASSOCIATION, AIA Access, and the AIA logo are registered service marks of AIA.

Some of the information contained herein is provided to AIA by other organizations. While AIA makes every effort to present accurate and reliable information on this Internet site, AIA does not endorse, approve or certify such information, nor does it guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of such information. Use of such information is voluntary and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference herein to any specific commercial product, process or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation or favoring by AIA.

In addition, the AIA Internet site contains "links" to other Internet addresses containing information created, published, maintained, or otherwise posted by other organizations not affiliated with AIA. AIA does not endorse, approve, certify, or control these external Internet addresses, and does not guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information or content in these Web pages. Use of any information obtained from such addresses is voluntary and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendations or favoring by AIA.

AIA (including its employees and agents) assumes no responsibility for consequences resulting from the use of the information herein, or for the use of the information obtained at "linked" Internet sites, or in any respect for the content of such information, including (but not limited to) errors or omissions, the accuracy or reasonableness of factual or scientific assumptions, studies or conclusions, the defamatory nature of statements, ownership of copyright or other intellectual property rights of others. AIA is not responsible for and expressly disclaims all liability for damages of any kind, whether direct, indirect, consequential, compensatory, actual, punitive, special, incidental, expectancy, or exemplary, arising out of use, reference to, or reliance on such information. No guarantees or warranties, including (but not limited to) any express or implied warranties of merchantability or fitness for a particular use or purpose, are made by AIA.

You may create Web links to any URL on AIA's Home Page. However, you may not use the AIA logo to create such link without the prior written permission of the American Insurance Association. In addition, you may not use "frames" so that a reasonable user would not know that the user is viewing the AIA web site, rather than the site containing the link to the AIA Web site.

This Web site is designed to provide accurate and authoritative information about the subject matter covered. It is provided with the understanding that the American Insurance Association is not engaged in rendering legal or other professional service. If legal advice or other expert assistance is required, the services of a competent professional persona should be sought.


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