(1) This web site is designed to provide accurate and authoritative information in regard to the subject matter covered. It is published with the understanding that Union Insurance Group, is not rendering any legal advice for any particular case. If legal advice or expert assistance is required in a specific case or legal matter, the services of a competent professional should be sought. It is also understood that the laws on this subject may change from time to time, therefore any attorney, legal professional or individual reading the content in this web site, should contact Union Insurance Group, with questions regarding the current status of the law.

(2) Union Insurance Group, goal is to ensure that the information on this Web site is accurate and up to date but makes no representations, warranties or assurances (express or implied) as to the accuracy, currency or completeness of such information. Union Insurance Group, shall not be liable for any damage or injury which may arise from the use of or reliance upon any information provided in this Web site or from your inability to access the Web site. Union Insurance Group, assumes no responsibility, and shall not be liable for any damage or injury to you, your computer or other personal property including but not limited to damages caused by viruses that infect your computer equipment or other property on account of your access to our Web site or from your downloading of any materials, data, text, ../images, video or audio, or other items from the Web site.

(3) Some links in this Web site may lead to Web sites which are not under the control of Union Insurance Group, When you visit any of those Web sites you will leave the Union Insurance Group, Web site and Union Insurance Group, will accept no responsibility or liability in respect of the material or any Web site which is not under the control of Union Insurance Group, . External sites are not endorsed by Union Insurance Group, and Union Insurance Group, makes no representation or warranty as to the content contained in any such external Web site.

(4) These terms of use and your use of the Web site shall be governed by and construed in accordance with the laws of the State of Ohio. If any provision of these terms of use shall be deemed unlawful, void or for any reason unenforceable, that provision shall be deemed void but shall not affect the validity and enforceability of the remaining provisions.

(5) Union Insurance Group, hereby authorizes you to copy materials published by it on this Web site for your non-commercial, private use only, provided any copy of these materials which you make shall retain all copyright and other proprietary notices and disclaimers contained herein.

(6) This Web site is provided as a service to its visitors. Union Insurance Group, reserves the right to delete, modify or supplement the content of this Web site at any time for any reason without notification to anyone.

(7) Please view our Internet Privacy Policy for information as to how we collect and use information collected or received through this Web site.

(8) Copyright Information: All content of this Web site is owned or used by permission by Union Insurance Group, and is protected by applicable copyright laws worldwide.

(a) Reproduction of ../images and other Copyrighted Material. As with any image, possession of a copy of a digitized image does not give unrestricted rights to use it. The copyright of an image is generally owned by the photographer and only the copyright owner, or the owner's legal representative, can grant permission to copy, distribute, or publicly display the image.

(b) It is illegal to reproduce photographs taken by a professional photographer or other copyrighted material without the permission of the copyright owner.

(c) Use of Information on this Web site. The copyrights of the ../images and other material on this Web site are owned by Union Insurance Group, or the individual photographers who have authorized their use on this Web site.

(d) Use of Other ../images and Information. Other ../images and information may be downloaded, reprinted and reproduced for non-commercial, private purposes. Other ../images and information may not be manipulated or altered without the express permission of Union Insurance Group, or the photographer.

(9) Trademark Information: Ownership of Trademarks. ® / ™ denote trademarks of Union Insurance Group, Incorporated and/or its affiliates or subsidiaries unless otherwise indicated. These trademarks as well as the trade name, service marks, trade dress and products ("Intellectual Property") contained on this Web site are protected in the United States and internationally. Except to accurately identify the Union Insurance Group, products or services, no use of any of the Intellectual Property may be made without the prior express written authorization of Union Insurance Group.