TERMS OF USE

By using the Carnegie Brokerage.com website or any website owned and maintained by Carnegie Brokerage or its subsidiaries you agree to abide by the following Terms of Use.

USE OF MATERIAL
The contents of the website are protected by copyright. Unauthorized use may violate copyright, trademark, and other laws. Carnegie Brokerage authorizes you to view and download material on the website solely for your own use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose.

You will not use this website, in violation of any laws including without limitation, those pertaining to the fraud and abuse or anti-kickback provisions of the federal Medicare and Medicaid laws. Any advertisement, links with other websites, co-hosts or references to third parties are not endorsements of such third parties' products or services and are not intended to result in any referrals or compensation to you or Carnegie Brokerage.

USE OF INFORMATION AND RESOURCES
Carnegie Brokerage makes this site available for the sole purposes of providing general educational information on health-related issues and providing access to health-related resources. This site and its health-related information and resources are not intended to be a substitute for professional medical advice or for the care that patients receive from their physicians. Nothing in this site is intended to be used for medical diagnosis or treatment. Always seek the advice of your physician before beginning any new treatment or if you have any questions regarding a medical condition. You should not disregard medical advice, or delay seeking medical advice, because of something you read in this site.

This site and its health-related information and resources are not intended, and must not be taken, to be the rendering of medical, nursing, or professional health care advice or services, or the practice of medicine, nursing, or professional health care, in any jurisdiction.

LINKING TO OTHER SITES
From time to time we will provide links to other websites, not owned or controlled by Carnegie Brokerage. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value added services. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of other sites. A link to a non-Carnegie Brokerage website does not constitute or imply endorsement by Carnegie Brokerage. Additionally, we cannot guarantee the quality or accuracy of information presented on non-Carnegie Brokerage websites. We encourage you to review the privacy practices of any website you visit.

APPROPRIATENESS OF CONTENT
This website is not intended to attract children under the age of 13. We do not collect Personal Information from any person we know is under the age of 13. Some of the content on this website may not be appropriate for children. Parent or guardians are solely responsible for providing supervision of minors' use of the Carnegie Brokerage website.

YOUR SUBMISSIONS
Generally, communications which you post to the website are not confidential. If particular Web pages permit the submission of communications which will be treated by Carnegie Brokerage as confidential, that fact will be stated on those pages. You are responsible for your own communications and the consequences of such posting.

You may not:
•communicate material that is copyrighted, without permission of the copyright owner
•communicate material that reveals trade secrets, unless you have permission of the owner
•communicate material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others
•communicate material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to any person or entity
•communicate a sexually-explicit image
•communicate chain letters or pyramid schemes
•impersonate another person
•violate the Children's On Line Privacy Protection Act

Carnegie Brokerage does not represent or guarantee the truthfulness, accuracy, or reliability of any communications posted by other users or endorse any opinions expressed by other users. Any reliance on material posted by others is at your own risk.

CARNEGIE BROKERAGE'S LIABILITY

The website may contain inaccuracies or typographical errors. Carnegie Brokerage makes no representations about the accuracy, reliability, completeness, or timeliness of the material. The use of the website and the material is at your own risk. Changes are periodically made to the website and may be made at any time.
Carnegie Brokerage DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND.

In no event shall Carnegie Brokerage be liable for any damages whatsoever (including, without limitation, special, indirect, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the website or any delays, errors, malfunctions, compatibility problems or breakdowns with respect to the website and the Material, whether based on warranty, contract, tort or any other legal theory and whether or not Carnegie Brokerage is advised of the possibility of such damages.

LIMITATIONS
The descriptions of Carnegie Brokerage products and services contained in the website are not offers to sell or solicitations for any product or service. Carnegie Brokerage is not licensed to sell products and services in all states. The descriptions of products and services contained on the website are offered as a convenience and do not contain all of the terms, conditions, limitations and exclusions that may be applicable.

TERMINATION
Carnegie Brokerage may terminate or limit your access or usage of the website and the material at any time without notice.
Changes to this terms of use statement

The foregoing "Terms of Use" Statement is effective as of April 1, 2002. Carnegie Brokerage Insurance Companies, Inc. may change this statement from time to time without notice. This statement is not intended to and does not create any contractual or other legal right in or on behalf of any party.



Last Updated 12/28/2003