Terms and conditions for access to and use of AAISonline.com are stated below. AAIS reserves the right to modify these terms and conditions at any time, and the right to deny anyone access to the site at any time.

• The content of AAISonline.com has been designed solely for purposes of general information, except where otherwise noted.

•  Content on AAISonline.com does not alter, supplant, or supersede what is written in AAIS policy forms, manuals, bulletins, or any other forms of information provided as part of AAIS's advisory services.

• Information on AAISonline.com does not constitute or create any contractual condition.

• AAIS does not endorse or warranty the accuracy or reliability of any information on AAISonline.com.

• Neither AAIS nor any other content provider shall be liable for any error, omission, inaccuracy, use, or misuse of information available on AAISonline.com.

• AAISonline.com provides links to other websites, but AAIS does not control those sites and is not responsible for their content, maintenance, or effects on users who visit those sites.

• Our web server may write a small computer file called a "cookie" to your hard drive to facilitate your use of the site and to collect information on how AAISonline.com is used. Any cookies used by us do not capture or contain personal identifying information, and most web browsers allow you to erase or block cookies.

• At least three features of AAISonline.com collect identifying information voluntarily submitted by users:
  --Information requests submitted to info@AAISonline.com
  --Registrations for the AAIS Annual Conference
  --Registrations for AAIS web-based seminars
  These features collect only the information needed to fulfill the transactions.

• Any identifying information submitted to AAIS is protected from unauthorized disclosure, access, and use by physical, electronic, and procedural safeguards.

• AAIS does not sell, rent, or lease customer lists to third parties.

• Identifying information may be shared with individuals or organizations outside of AAIS if it is related to the purpose for which the information was submitted. For example, outside co-presenters of a web seminar may receive a list of participants. A vendor may be notified if someone submits a question about a product or service. Also, information submitted to AAISonline.com may be used to contact you with announcements or inquiries regarding products, services, meetings, surveys, or other reasons related to AAIS.

• Information submitted in response to employment opportunities is submitted directly to our human resources department and is not stored or shared for any other purpose.

All information on AAISonline.com is copyrighted property of the American Association of Insurance Services, Inc., Wheaton, Ill. Any use of any aspect of AAISonline.com without written approval from AAIS is prohibited.

Request for permission to use information on AAISonline.com should be directed to joeh@AAISonline.com.