A.R. DAVIS ONLINE TERMS AND SERVICES & PRIVACY POLICY

USE OF THIS SITE:

User access to ardavis.com is subject to the following terms and conditions, which may be updated by us at any time without notice to you. By accessing or using these web sites, you agree that you have read, understand, and agree to be bound to these terms and conditions, as they may be amended at any time, as well as to the terms of our privacy policy, which is hereby incorporated into these terms and conditions. You are responsible for periodically reviewing these terms and conditions for applicable changes. Your use of these web sites after posting by us of any changes to these terms and conditions constitutes your acceptance to those changes. If you disagree with these terms and conditions or are dissatisfied with this web site, your sole and exclusive remedy is to discontinue using this site.

DISCLAIMERS:

You acknowledge and agree that:

A. Although we strive to provide on this web site the latest developments relating to our products and services, and other information about our company, we do not warrant the accuracy, effectiveness and suitability of any information contained in this web site. Each person assumes full responsibility and all risks arising from use of this internet site. The information is presented “as is” and may include technical inaccuracies or typographical errors. A.R. Davis reserves the right to make additions, deletions, or modifications to the information at any time without any prior notification.

B. A.R. Davis makes no representations or warranties of any kind or nature with respect to the information or content posted on this web site. A.R. Davis hereby disclaims all representations and warranties, whether express or implied, created by law, contract or otherwise, including, without limitation, any warranties of merchantability, fitness for a particular purpose, title or non-infringement. In no event shall A.R. Davis be liable for any damages of any kind or nature, including, without limitation, direct, indirect, special (including loss of profit) consequential or incidental damages arising from or in connection with the existence or use of this internet site and/or the information or content posted on this web site, regardless of whether A.R. Davis has been advised as to the possibility of such damages.

C. A.R. Davis is not responsible, and provides no warranty whatsoever, for the accuracy, effectiveness, timeliness and suitability of any information or content obtained from third parties, including any hyperlinks to or from third-party sites. Except as otherwise provided on this web site, A.R. Davis will not edit, censor or otherwise control any content provided by third parties on any blog, social media site, or other similar forums posted on its web site. Such information should, therefore, be considered questionable and is not endorsed by A.R. Davis.

D. This web site may contain forward-looking statements that reflect A.R. Davis’s current expectation regarding future events and business development. The forward-looking statements involve risks and uncertainties. Actual developments or results could differ materially from those projected and depend on a number of factors including, but not limited to, ongoing commercialization of its products, regulatory approvals of insurance policies, validity and enforcement of its accreditations, the stability of its commercial relationships, and the general economic conditions. A.R. Davis intends to update this site on a regular basis but assumes no obligation to update any of the content.

USER RESPONSIBILITY:

You understand, acknowledge, and agree to the following:

A. By using this web site, you agree not to disrupt or intercept our electronic information posted on this web site or on any of our servers. You also agree not to attempt to circumvent any security features of our web site, and to abide by all applicable, local, state, federal and international laws, rules and regulations.

B. You grant A.R. Davis the right to use all content you upload or otherwise transmit to this web site, subject to these terms and conditions and A.R. Davis’ Privacy Policy in any manner A.R. Davis chooses, including, but not limited, to copying, displaying, performing or publishing it in any format whatsoever, modifying it, incorporating it into other material or making a derivative work based upon it.

C. Except as expressly stated and agreed upon in advance by A.R. Davis, no confidential relationship shall be established in the event that any user of this internet site should make any oral, written or electronic communication to A.R. Davis (such as feedback, questions, comments, suggestions, ideas, etc.). If any A.R. Davis web site requires or requests that such information be provided, and that such information contains personal identifying information (e.g., name, address, phone number), A.R. Davis shall obtain, use and maintain it in a manner consistent with our privacy policy. Otherwise, such communication and any information submitted therewith shall be considered non-confidential, and A.R. Davis shall be free to reproduce, publish or otherwise use such information for any purposes whatsoever including, without limitation, the research, development, manufacture, use or sale of products incorporating such information. The sender of any information to A.R. Davis is fully responsible for its content, including its truthfulness and accuracy and its non-infringement of any other person’s proprietary or privacy rights.

INTELLECTUAL PROPERTY:

The information, documents, and related graphics published in this internet web site (the “information”) are the sole property of A.R. Davis, except for information provided by third-party providers under contract to A.R. Davis, its subsidiaries or affiliates. Permission to use the information is granted, provided that (1) the above copyright notice appears on all copies; (2) use of the information is for informational and non-commercial or personal use only; (3) the information is not modified in any way; and (4) no graphics available from this internet site are used separate from accompanying text. A.R. Davis is not responsible for content provided by third-party providers, and you are prohibited from distribution of such material without permission of the owner of the copyright therein. Except as permitted above, no license or right, express or implied, is granted to any person under any patent, trademark or other proprietary right of A.R. Davis.

No use of any A.R. Davis trademark, trade names, trade dress and products in this internet site may be made without the prior written authorization of A.R. Davis, except to identify the product or services of the company.

PRIVACY POLICY:

A.R. Davis is committed to safeguarding your privacy online. We understand the importance of privacy to our customers and visitors to our web site. Our use of personally identifiable information is governed by our privacy policy and by accessing and using our web site, you agree to be bound by that policy.

You recognize and agree that when submitting your personally identifiable information to ardavis.com, while A.R. Davis has safeguards in place to prevent unauthorized access or interception, there is no absolute guarantee of security. In the unlikely event of an interception or unauthorized access despite our efforts, A.R. Davis shall not be responsible for such interceptions or unauthorized access, or any direct, indirect, special, incidental, or consequential damages (including lost profits) suffered by a customer or user, even if A.R. Davis has previously been advised of the possibility of such damages. A.R. Davis does not warrant, either expressly or impliedly, that the information provided by any customer shall be free from interception or unauthorized access, and does not provide any implied warranties of merchantability and fitness for a particular purpose. Each customer is responsible for maintaining the confidentiality of his or her own password and the security of their account; A.R. Davis is not responsible for third-party access to your information resulting from instances of theft or misappropriation due to customer negligence: including but not limited to user failure to restrict unauthorized access to your computer or account information.

SOCIAL MEDIA AND ELECTRONIC COMMUNICATIONS POLICY:

Visiting ardavis.com or sending emails to ardavis.com or the A.R. Davis office constitutes electronic communication. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the site, satisfy any legal requirement that such communications be in writing. A.R. Davis and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

This website may contain or link to A.R. Davis-supported or third-party forums, blogs, social media communities, or other message facilities designed to enable you to communicate with A.R. Davis, a specific group, or the public at large (hereinafter, “communication services”). You agree to use the communication services only to post, send and receive messages and material that are proper and related to the particular communication service. No user will purposely defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, unlawful, or harmful topic, material, or information; upload files that contain software or other material protected by intellectual property laws unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another user’s computer; advertise, sell, or buy any goods or services for any business purpose unrelated to A.R. Davis interests, unless such communication service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; falsify or delete another author’s written work or attributions; harvest or collect personal information about other users, including but not limited to email addresses without their consent; restrict any user from using and enjoying the communication services; or violate any applicable laws or regulations.

A.R. Davis has no obligation to monitor the communication services, does not claim ownership or responsibility for the materials you or other users provide, post, upload, input, or submit to any A.R. Davis site or associated services (collectively “submissions”). However, by posting, uploading, inputting, providing or submitting your submission you are granting A.R. Davis and our affiliated partners permission to use your submission in connection with the operation of our internet businesses including, without limitation, the rights to: copy, distribute, transmit, publically display, publically perform, reproduce, edit, translate and reformat your submission; and to publish your name or the identity you provided to us in connection with your submission. No compensation will be paid with respect to the use of your submission, unless otherwise stated by A.R. Davis. A.R. Davis is under no obligation to post or use any submission you may provide and may remove any submission at any time in A.R. Davis’ sole discretion.

Each user has a personal and legal obligation to observe basic internet and communication services codes of conduct and agrees to follow and support all privacy laws by participating in A.R. Davis-related social media or electronic communications.

LIMITATION OF LIABILITY:

A.R. Davis does not assume any liability for the materials, information and opinions provided on, posted to, or otherwise available through, this web site. Reliance on these materials, information and opinions is solely at your own risk. A.R. Davis disclaims any liability for injury or damages resulting from the use of this web site, or the content contained thereon.

This A.R. Davis web site, the site content, and the products and services provided on or available through this web site are provided on an “as is” and “as available” basis, with all faults. In no event shall A.R. Davis, or its subsidiaries, affiliates, vendors, or their respective directors, employees or agents (hereinafter “A.R. Davis parties”) be liable for any damages of any kind, under any legal theory, arising out of or in connection with your use of, or inability to use, this web site, the site content, any services provided on or through this web site or any linked site, including any special, indirect, punitive, incidental, exemplary or consequential damages, including, but not limited to, personal injury, lost profits or damages resulting from delay, interruption in service, viruses, deletion of files or electronic communications, or errors, omissions or other inaccuracies in this web site or the site content, whether or not there is negligence by A.R. Davis and whether or not A.R. Davis has been advised of the possibility of any such damages. Some states do not allow the limitation of liability, so this provision may not apply to you.

Please be aware that additional legal notices, disclaimers, and other terms and conditions may apply to this and other web sites owned or operated by A.R. Davis, its subsidiaries or affiliates.

GENERAL:

You agree that these terms and conditions describes the entire agreement between us with respect to its subject matter. Ardavis.com was created and is operated under the laws of the state of Ohio. The laws of the state of Ohio will control the terms and conditions provided in these terms and conditions, without giving effect to any principles of conflict of laws. If a court of competent jurisdiction finds that any provision of these terms and conditions is invalid or unenforceable, you agree that the other provisions of these terms and conditions will remain in full force and effect. You agree that regardless of any applicable law to the contrary, you cannot file a claim or cause of action arising out of or related to ardavis.com or these terms and conditions more than one (1) year after such claim or cause of action arose.