General Disclaimer
Fotek Insurance will use reasonable efforts to include accurate and up-to-date information on www.fotek.net, but Fotek Insurance assumes no responsibility for the accuracy of such information and such information is subject to change at any time without notice. Fotek Insurance makes no warranties or representations of any kind with respect to the information on www.fotek.net, express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose. All users agree that all access to and use of www.fotek.net and the content thereof is at their own risk. Neither Fotek nor any party involved in creating, producing or delivering www.fotek.net shall be liable to any person for any direct, incidental, special, consequential, indirect or punitive damages arising out of access to, use of, reliance on or inability to use www.fotek.net, or any errors or omissions in the content thereof.

Information Provided by Users
If you give any feedback to Fotek Insurance , it shall be deemed that the content thereof is not confidential. Fotek
Insurance shall have no obligation of any kind with respect to such information and shall be free to use any ideas, concepts, know-how or techniques contained in your feedback for any purpose and to reproduce and disclose such information to third parties without limitation. Your use of Fotek Insurance electronic publication may be recorded. Fotek Insurance shall be free to use such information for statistical evaluations and to ensure undisrupted service. If you cannot agree with this policy, please do not use our service.

Intellectual Property
Documents published by Fotek Insurance on www.fotek.net may not be copied other than for non-commercial individual reference, with all copyright or other proprietary notices retained, and thereafter may not be recopied, reproduced or otherwise redistributed. All product names, whether or not appearing in large print or with the trademark symbol, are trademarks of Fotek Insurance, its affiliates, related companies or its licensors or joint venture partners. However, the trademarks of other parties may also be referenced herein as is apparent from the usage of any such marks. The use or misuse of these trademarks or any other materials provided hereunder, except as permitted herein, is expressly prohibited and may be in violation of copyright law, trademark law, the law of slander and libel, the law of privacy and publicity, and communications regulations and statutes. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any Fotek Insurance trademark or copyright. Further, please be advised that Fotek Insurance actively and aggressively enforces its intellectual property rights to the fullest extent of the law.