Terms and Conditions
 

Definitions
DeWitt Stern references the DeWitt Stern family of companies including: DeWitt Stern Group, Inc., DeWitt Stern Group of Companies, LLC, DeWitt Stern Group Planning Services, LLC, DeWitt Stern of California, LLC, and DSI Insurance Brokers.

Website refers to www.dewittstern.com including but not limited to books.dewittstern.com

Authorization of use
DeWitt Stern hereby authorizes any person over the age of 18 to access this Website for informational purposes only. DeWitt Stern reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website are copyrighted by DeWitt Stern. All rights are reserved under the copyright laws of the United States of America. No part of this Website can be redistributed, copied or reproduced without the prior written consent of DeWitt Stern.

No warranties
Any visitor to this Website assumes all responsibility and risk for the use of this Website and the Internet generally. DeWitt Stern disclaims all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or noninfringement. DeWitt Stern has the right to discontinue, change or update any data, information or material included in the Website without prior notice, and does not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by DeWitt Stern shall create any warranty. DeWitt Stern does not warrant that the data, information and material included in the Website or on the Internet will be uninterruptable or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components.

Although several pages on this Website describe various insurance products, it does not describe all available insurance options. The information provided is solely for informational purposes and is not intended to provide legal or tax advice or create a binding contract. The availability of a specific product may differ from state to state. The product descriptions on this Website are general in nature and insurance coverage is always subject to the specific terms, conditions, limitations and exclusions of the actual policy issued.

Disclaimer of liability
In no event shall DeWitt Stern be liable for any compensatory, special, direct, incidental, indirect, consequential or exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.

Disclaimer for content
This website is provided solely for informational purposes and is not intended to provide legal advice or create a binding contract. This website does not describe all available insurance options. Coverage is subject to the terms, conditions, limitations and exclusions of the specific insurance policy.

Disclaimer for insurance coverage

This Website does not describe all available insurance options. Coverage is subject to the terms, conditions, limitations and exclusions of the specific insurance policy. DeWitt Stern makes no representation that the coverage purchased addresses all potential risks and makes no statement about the adequacy of the liability limits.

Disclaimer for links
Although this site includes links providing direct access to other Internet sites, DeWitt Stern is not responsible for the content or information contained on those other sites, and does not exert any editorial or other control over any linked sites. DeWitt Stern encourages you to review and become familiar with any terms and conditions of those linked sites.

Compensation Disclosure
For policies written or covering risks in New York, please be advised as follows:

DeWitt Stern is an insurance producer licensed by the State of New York. Insurance producers are authorized by their license to confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. The role of the producer in any particular transaction typically involves one or more of these activities.

Compensation will be paid to the producer, based on the insurance contract the producer sells. Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. Such compensation may vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects. In some cases, other factors such as the volume of business a producer provides to an insurer or the profitability of insurance contracts a producer provides to an insurer also may affect compensation.

The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and (if applicable) compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by requesting such information from the producer.

Equal Opportunity Employment Statement
DeWitt Stern is an Equal Opportunity Employer. Qualified applicants are considered for employment without regard to race, color, sex, age, gender identity, sexual orientation, marital status, creed, national origin, disability, military, veteran, family or domestic violence victim status, predisposing genetic characteristics or any other status or condition protected by applicable local, state or federal laws, except where a bona fide occupational qualification applies. Dewitt Stern is pleased to provide assistance to any applicant with a disability and no applicant will be penalized as a result of such a request.

Website Privacy Policy
DeWitt Stern is committed to protecting your privacy as a visitor to this Website and as a DeWitt Stern customer. This privacy policy applies to all information collected from the website. DeWitt Stern is the owner of all information collected on this Website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this privacy policy.

Information Collection
DeWitt Stern may collect non-personally identifiable information about you in a number of ways, including tracking your activities through your IP address, computer settings or most-recently visited URL.

DeWitt Stern collects personally identifiable information about you, including your name, home address, mailing address, telephone number and email address, when you voluntarily submit such information to DeWitt Stern in connection with the purchase of an insurance policy.  When you send DeWitt Stern e-mail from this Website, you will provide DeWitt Stern with certain personally identifiable information including your e-mail address. DeWitt Stern will maintain a record of your information, so we can provide you with policyholder service. DeWitt Stern is committed to protecting your privacy and has made each employee aware of the importance of protecting the customer's personal information.

Use of Information
DeWitt Stern will only use the information you provide to DeWitt Stern for the purpose for which such information was provided. DeWitt Stern may also use this information to deliver to you information about DeWitt Stern, trend analysis, pattern detection, and site administration.

At all times, DeWitt Stern reserves the right to disclose information where required by law, to comply with valid legal process (such as a search warrant, subpoena or court order), to protect DeWitt Stern's rights or property, including without limitation in the event of a transfer of control of DeWitt Stern or substantially all of its assets, or during emergencies when safety is at risk.

IP Addresses
DeWitt Stern's web server automatically collects information from your computer and navigation patterns when you visit this Website, including your Internet Protocol (IP) address, the computer's operating system, the type of browser you use, and the specific web pages visited during your connection. DeWitt Stern may also track data such as the total number of visits to this Website and the number of visitors to each page of this Website.

DeWitt Stern may also use this information for system maintenance, to better understand how visitors use this Website, and to improve DeWitt Stern's services.

Third-Party Links
This Website contains links to third-party websites that are not controlled by DeWitt Stern. Please be aware that DeWitt Stern is not responsible for the content of third-party websites linked to DeWitt Stern nor are we responsible for the privacy policy or practices of third-party websites linked to DeWitt Stern. DeWitt Stern's privacy policy only applies to information DeWitt Stern collects from you while you are at www.dewittstern.com. If you click on a link which brings you to a third-party website, DeWitt Stern strongly encourages you to review and become familiar with that website's privacy policy.

Security
This Website has industry standard security measures in place to protect the loss, misuse and alteration of the information under DeWitt Stern's control. While there is no such thing as “perfect security” on the Internet, DeWitt Stern will take all reasonable steps to insure the safety of your personal information.

Children's Privacy
DeWitt Stern's Website is intended for adults. DeWitt Stern does not knowingly collect personal information from those under the age of 18. In an instance where such information was collected, it would be purely accidental and unintentional.

Changes to this privacy policy
DeWitt Stern reserves the right to change this privacy policy at any time without notice. If you have any questions concerning this privacy policy or the practices of this Website, please contact:

DeWitt Stern
Attn: Legal Department
420 Lexington Avenue, Suite 2700
New York, NY 10170
Phone: 212-867-3550