The privacy of personal client information is important to WKF&C. We are committed to the protection of personal data and the appropriate use of all data we manage. We do not collect personal or business information on visitors to our website unless the visitors voluntarily choose to allow it. We may collect non-personal statistical information about visitors to our pages.

In compliance with Federal law and the state laws relating to privacy in the insurance industry, and in order to notify our clients of our privacy policies and practices, we have established this Privacy Policy.

LEGAL DISCLAIMER/CONDITIONS OF USE
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

LIMITATION OF LIABILITY
You waive any claim against WKF&C based upon the quality or availability of the website, regardless of cause. You acknowledge that any network communication or activity involves resources beyond our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from, or residing at, its website or systems are safe from destruction, corruption, misdirection, or service interruption. WKF&C does not warrant or make any representations regarding the use or the results of the use of the materials on this website including any warranties or representations concerning their correctness, accuracy, reliability, or otherwise. You assume the risk of liability harm or damage arising out of use of these materials. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general information purposes. You agree that WKF&C shall not be liable for failure to provide services or access to this website during any period in which it cannot perform due to any cause beyond our control, including, without limitation, natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority. Under no circumstances, including, but not limited to, negligence, shall WKF&C or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if WKF&C or an authorized representative has been advised of the possibility of such damages. In no event shall WKF&C accept total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.

USER IDENTIFICATION, PASSWORDS AND SECURITY
WKF&C makes no warranties or representations as to the accuracy of this website. Certain areas of this website may be accessible only through the use of user identification and passwords. If you have been assigned or selected user identification and passwords for access to these restricted areas, you are responsible for maintaining the security and confidentiality of that information and all information obtained through access to these restricted areas. You are responsible for all activities undertaken under your identification and password. You may not allow any other person to use your identification or passwords. WKF&C reserves the right to withdraw your user-name and password for any reason and without notice. If you leave your current employment you are not allowed to use your prior user-name and password. You must request a new user-name and password for your new employment.

LINKS TO OTHER WEBSITES
As a convenience to you, this website contains links to other sites independently maintained by others. Because WKF&C does not control these other sites, we cannot make any representations regarding and are not responsible for the content, privacy practices, terms and conditions, or accuracy of the materials on these linked sites. In addition, the link to these sites should not be construed as a recommendation, endorsement, adoption or approval of any products or services offered by the sponsors of these sites, or the views or opinions expressed therein. WKF&C is not responsible for your use of such linked sites or the products or services offered by the sponsors of these sites. You should make an independent investigation and evaluation before acquiring any such products or services.

VIRUSES, WORMS, USE OF FILES
WKF&C 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. WKF&C does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation, warranties of title, non infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will WKF&C 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 WKF&C copyright holder.

CHANGES AND APPLICABLE LAW
We reserve the right to make changes to our website and our legal disclaimer/ conditions of use. We encourage you to review the website and these terms periodically for any updates or changes. Your continued access or use of our website shall be deemed your acceptance of these legal disclaimer/conditions of use and any changes and the reasonableness thereof.