The following are the Terms of Use (“Terms”) for this website.

Agreement to the Terms of Use
By accessing, viewing, using or browsing this website, you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the website.

Changes to the Terms of Use
As we continually seek to improve our website, we may modify these Terms from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.

Purpose and use of this website
This website is intended for use by people with insurable interests to provide information on, and access to, our insurance services. This website does not, and it is not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice. The website should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this website constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. KMG America Corporation encourages you to obtain professional advice before acting in reliance on any statement contained in this website. All products and services are subject to the terms and conditions of the applicable agreements.

Your use of the website shall be on an “as is” basis entirely at your risk. Neither KMG America Corporation, nor any of its affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with he creation of the website or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the website, including without limitation any direct, indirect, special, third party, or consequential damages. Past performance is not an indicator of future returns and references to performance on this website are provided as historical benchmarks only.

Links from this website
Within our website you will find some links to other websites provided for your convenience. These websites are not affiliated with KMG America Corporation. KMG America Corporation does not have any control over the websites, or any material or information that may be obtained from these websites. KMG America Corporation makes no warranties or representations regarding the information contained on these websites.

Links to this website
If you would like to link to any part of our website, please contact us for prior permission.

The use of cookies
Cookies are small data files that a website host computer sends to a website user’s computer. We use cookies on this website to help us remember the information you enter, by passing a unique ID between your PC and this website that identifies you. This means that as you use the website we can relay any information you have entered earlier back to you at a later time. We do not leave a persistent cookie on your PC – once the KMG America Corporation browser window is closed, the cookie is destroyed.

Intellectual property
Names, phrases, logos, icons, graphics, images or designs used throughout the Website may be trade names, registered or unregistered trademarks or service marks (“Trademarks”) of KMG America Corporation, its subsidiaries or affiliates. The display of Trademarks on this website is not an implied license to any third party for use of the Trademarks. Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law. All information on this website is protected under copyright laws. Except for certain “fair use” or as otherwise provided on this website, no one has permission to copy, redistribute, reproduce or republish any information found on this website, which includes uploading or downloading without our prior written consent.

Securities information
This website and the information contained herein does not constitute an offer or a solicitation of an offer for the purchase or sale of any securities. The website contains information and press releases about KMG America Corporation, and although this information was believed to be accurate as of the date prepared, KMG America Corporation disclaims any duty or obligation to update such information. To the extent that any information is deemed to be a "forward looking statement" as defined in the rules and regulations of the Securities Act of 1933, as amended, such information is intended to fit within the "safe harbor" for forward looking information and is subject to material risk factors which may or may not be disclosed herein.

Disclaimer
The information contained in this website is necessarily generalized. The insurance cover described is in summary form only, and is subject to the terms of the policy wording. You are advised to read the policy wording. While every effort has been made to ensure accuracy of this website, no liability is accepted for any errors. We will do our best to ensure that the website is available to you when you need it, free from viruses and unauthorized access. Unfortunately we can’t and don’t accept responsibility for any consequences if this is not the case. If you use our website inappropriately or maliciously you will indemnify us for anything that happens to us as a result of or in connection with your actions.