Disclaimer

MARINA ASSOCIATES INC. makes reasonable efforts to present accurate and reliable information in this World Wide Website in the domain www.marinains.com ("Site"); however, MARINA ASSOCIATES INC. is not responsible for any errors in or omissions from the information contained in or accessed through this Site, nor is MARINA ASSOCIATES INC. responsible for the timeliness of the information. The information in this Site is not intended to provide specific advice about individual legal, business or other questions, and it is not a substitute for users' independent research and evaluation of any issue. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional should be sought. All of the information in this Site is provided "as is" without warranty of any kind. MARINA ASSOCIATES INC. makes no representations of any kind and disclaims all express, implied, statutory or other warranties of any kind to the user and/or any other party, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose. MARINA ASSOCIATES INC. shall have no tort, contract or any other liability to users of this Site and/or to any other party. MARINA ASSOCIATES INC. shall not be liable to users and/or any other party for any lost profits or lost opportunities, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if MARINA ASSOCIATES INC. has been advised of the possibility of such damages.

Statement of Mutual Agreement and Fraud

You understand that there is no coverage in force until an application is approved and premium is received by the company. You certify that all your statements are accurate to the best of your knowledge. You agree that your statements shall constitute a part of any policy issued whether attached or not. Any person who, with the intent to defraud or deceive, submits an application, containing any false, incomplete or misleading information, or helps in any manner to commit a fraud may be subject to civil penalties and criminal prosecution for insurance fraud.

Notice Regarding the Privacy Act

A credit report or other investigative report about you may be requested in connection with an application for insurance. Any information which we have or may obtain about you or other individuals listed as policyholders on your policy will be treated confidentially. You have the right to see personal information collected about you and you have the right to correct any information which may be wrong. Upon your request the address of the reporting agency will be supplied so that you can request this information.

Confidentiality Agreement

No warranty is given as to the confidentiality or security of data passing via this web site. The web site manager reserves the right to co-operate fully with officials in any legally authorized investigation concerning or relating to any transmissions via the web site.

Technical Advice

The information on this site is not intended as legal advice, but is provided for general, public information. Facts, circumstances, and the application of particular laws will differ in individual circumstances.

Hyperlinks Are Not Endorsements

MARINA ASSOCIATES INC. is in the business of acting as agent on behaves of our clients. Links to other Websites or references to products, services or publications, other than those of MARINA ASSOCIATES INC. at this Site, do not imply MARINA ASSOCIATES INC.'s endorsement or approval of such Websites, products, services or publications, nor are such links or references any indication that MARINA ASSOCIATES INC. has received specific authorization to provide these links or references. MARINA ASSOCIATES INC. does not endorse, approve, certify or control these external Websites, and is not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose or correct sequencing of information located at such sites. Rather, the links on this Site to other Websites are provided solely as a convenience to users of this Site.

Notice of Copyright Ownership

The works of authorship including, but not limited to, all design, text, images, and sounds, contained in this Site (individually and collectively "Publications"), are owned by MARINA ASSOCIATES INC., except as otherwise expressly stated. The Publications may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part (individually and collectively "Reproduced") in any manner without MARINA ASSOCIATES INC.'s prior written consent, except to the extent that such use constitutes "fair use" under the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and except for one temporary copy in a single computer's memory and one unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an attached copy of this Disclaimer Notice.

Some of the works of authorship on the Site were provided under license from other entities with all rights reserved. You may provide a hypertext link to this Site on another Website, provided that: (a) the link must be a text-only link clearly marked "Marina Associates’s Home Page"; (b) the link must "point" to the URL http://www.marinains.com and not to other pages within the Site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with MARINA ASSOCIATES INC.'s name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity, product, service or work of authorship is associated with, sponsored by or endorsed by MARINA ASSOCIATES INC.; (e) the link, when activated by a user, must display this Site full-screen and not within a "frame" on the linked Website; and (f) MARINA ASSOCIATES INC. reserves the right to revoke its consent to the link at any time, for any reason, in its sole discretion.

Severability

Some U.S. states and foreign countries provide rights in addition to those above or do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be state provisions which supersede the above. Any clause of this Disclaimer Notice declared invalid by the appropriate authority shall be deemed severable and shall not affect the validity or enforceability of the remainder of this Disclaimer Notice. The terms of this Disclaimer Notice are governed by the laws of the Commonwealth of California, without regard to its conflicts of laws rules, and may only be amended in a writing signed by MARINA ASSOCIATES INC.