TERMS AND CONDITIONS

PLEASE READ THE FOLLOWING TERMS OF USE AND DISCLAIMERS CAREFULLY BEFORE USING THIS WEB SITE (this "Site"). By accessing or using this Site, you agree to these terms of use, conditions and all applicable laws. If you do not agree to these terms you may not use this Site.

This Web Site operated by American Insurance Underwriters or its affiliates, is comprised of various Web pages. The American Insurance Underwriters Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the American Insurance Underwriters Website constitutes your agreement to all such terms, conditions, and notices. Your use of a particular American Insurance Underwriters linked website or forum included within the American Insurance Underwriters Website network may also be subject to additional terms outlined elsewhere on that website (the "Additional Terms"). Additionally, the American Insurance Underwriters Websites may themselves contain additional terms that govern particular features or offers (for example, sweepstakes or chat areas). In the event that any of the terms, conditions, and notices contained herein conflict with the Additional Terms or other terms and guidelines contained within any particular American Insurance Underwriters website, then these terms shall control.