Important Disclaimer Notice

Disclaimer

Robert T. Kirkwood, Inc. makes reasonable efforts to present accurate and reliable information in this World Wide Website in the domain Kirkwoodinsurance.com; however, Robert T. Kirkwood, Inc. is not responsible for any errors in or omissions from the information contained in or accessed through this Site, nor is Robert T. Kirkwood, 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. Robert T. Kirkwood, 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. Robert T. Kirkwood, Inc.  shall have no tort, contract or any other liability to users of this Site and/or to any other party. Robert T. Kirkwood, 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 Robert T. Kirkwood, Inc. has been advised of the possibility of such damages.

Hyperlinks Are Not Endorsements

Robert T. Kirkwood, Inc. is in the business of promoting the interests of its customers as a whole and does not promote the services, products or publications of one Robert T. Kirkwood, Inc.  customer over any other member. Links to Robert T. Kirkwood, Inc. member sites, other Websites or references to products, services or publications, other than those of Robert T. Kirkwood, Inc. at this Site, do not imply Robert T. Kirkwood, Inc.’s endorsement or approval of such Websites, products, services or publications, nor are such links or references any indication that Robert T. Kirkwood, Inc. has received specific authorization to provide these links or references. Robert T. Kirkwood, Inc. does not endorse, approve, certify or control these external Websites, and is not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, 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 Robert T. Kirkwood, 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 Robert T. Kirkwood, 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.

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 Virginia, without regard to its conflicts of laws rules, and may only be amended in a writing signed by Robert T. Kirkwood, Inc.