Thank you for using Kornreich-NIA ’s web site. The following is a complete list of disclaimers that you acknowledge understanding by using our web site.

Kornreich-NIA is a registered service mark of The NIA Group, licensed for use by The NIA Group and its subsidiaries.

Product Descriptions — Not Available in all States

The product descriptions, if any, provided on http://www.kornreich-nia.com/ are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in all jurisdictions. Anyone interested in a particular product should contact the indicated Kornreich-NIA business to determine whether the product is available in their jurisdiction and to request a copy of the applicable policy or prospectus for a complete description of the product.

Links to Other Sites

While visiting http://www.kornreich-nia.com/ you may leave the Kornreich-NIA Web site and access certain non- Kornreich-NIA Web sites. Kornreich-NIA neither reviews nor controls the content and accuracy of these Web sites, and therefore will not be responsible for their content and accuracy. Your access to non- Kornreich-NIA Web sites is at your sole risk.

Other Web sites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Please access other Web sites at your own discretion.

General Disclaimer

All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, Kornreich-NIA does not warrant that access to www.naigroup.com or any of its pages will be uninterrupted or error free. Kornreich-NIA does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on http://www.kornreich-nia.com/. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.

Use of this Web site is not intended and shall not be deemed to create any legal relationship of any kind between the user and the Kornreich-NIA, nor to amend or vary any existing legal relationship. All products and services of Kornreich-NIA, and its subsidiaries and affiliates are subject to the terms of any agreement by which they are normally made commercially available. COVERAGE CANNOT BE BOUND THROUGH THIS WEB SITE.

Viruses, Worms, Use of Files

Kornreich-NIA cannot and does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Kornreich-NIA does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Kornreich-NIA be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate Kornreich-NIA copyright holder.

Health Information

The health information on this Web site is provided by Kornreich-NIA solely for informational purposes as a public service to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. Kornreich-NIA assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on this site. Always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations. Do not rely on information on this site as a tool for self-diagnosis.

Trademarks

There are references throughout www.kornreich-nia.com to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.

Limitation of Liability

You agree by accessing www.kornreich-nia.com that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will Kornreich-NIA be liable for damages of any kind occurring from the use of this web site or any information, goods or services obtained on this web site including direct, indirect, consequential, incidental, or punitive damages (even if Kornreich-NIA has been advised of the possibility of such damages), to the fullest extent permitted by law.

Minors and Child Online Privacy Protection Act

www.kornreich-nia.com does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Child Online Privacy Protection Act. If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use http://www.kornreich-nia.com/, you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of http://www.kornreich-nia.com/; and (iii) the consequences of any use.

The Digital Millennium Copyright Act

Kornreich-NIA reserves the right, but not the obligation, to terminate your access to http://www.kornreich-nia.com/ if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless or whether the material or activity is ultimately determined to be infringing. Kornreich-NIA and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. Kornreich-NIA has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. Our designated agent to receive notification of claimed infringement is:

STEVE BRACCIOFORTE
The NIA Group
66 Route 17 North
Paramus, NJ 07652

Any written notice regarding any infringement of copyright or of other proprietary rights, should be sent to our designated agent, listed above, and must include the following information:

A physical or electronic signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.

Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site. Identification of the material that is claimed to be infringing, or to be the subject of infringing activity, including information reasonably sufficient to permit us to locate the material. Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or electronic mail address. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.

If you choose to access http://www.kornreich-nia.com/ from outside the United States you do so on your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from http://www.kornreich-nia.com/ to a foreign national or foreign country in violation of those laws.

Changes and Applicable Law

We reserve the right to make changes to http://www.kornreich-nia.com/ and our Legal Disclaimer/Conditions of Use. We encourage you to review the Web site and these terms periodically for any updates or changes. Your continued access or use of http://www.kornreich-nia.com/ shall be deemed your acceptance of these Legal Disclaimers/Conditions of Use and any changes and the reasonableness of these standards for notice of changes. Use of http://www.kornreich-nia.com/ and purchases of products from http://www.kornreich-nia.com/ will be governed by and construed in accordance with the laws of the State of New Jersey, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and http://www.kornreich-nia.com/ will be brought exclusively in a federal sitting in Newark, New Jersey or state court of competent jurisdiction sitting in Bergen County, New Jersey. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

Notes On Compensation

Kornreich-NIA, a Marsh & McLennan LLC  Agency company ("MMA") facilitates the placement of insurance coverage on behalf of our clients.  We are also committed to compensation transparency and to disclosing to you information that will assist you in evaluating potential conflicts of interest.  In accordance with industry custom, we are compensated either through commissions that are calculated as a percentage of the insurance premiums charged by insurers or fees agreed to with our clients.  We may also receive additional monetary and non-monetary compensation from insurers, or from other insurance intermediaries which may be contingent upon volume, profitability or other factors.  Our compensation may vary depending on the type of insurance you purchase and the insurer you select.  We will be pleased to provide you additional information about our compensation and information about alternative quotes, upon your request.  Also for more detailed information about forms of compensation we receive, click HERE for our Marsh & McLennan Agency Compensation Guide.

Premium Finance Disclosure Statement/strong>