Important Legal Information

CONDITIONS OF USE
By using this site, you indicate your agreement to the following conditions of use without any limitation or qualification. Please read these conditions carefully before using this site. CNY Health Associates may at any time revise these terms and conditions by updating these materials. You are bound by any such revisions and should therefore regularly visit this page to review the then current terms and conditions to which you are bound.

IMPORTANT CONSUMER INFORMATION

This communication is strictly intended for individuals residing in the state of NY, No offers may be made or accepted from any resident outside the specific state(s) referenced.

An insurance agent, broker-dealer, registered representative, Investment Adviser, or investment adviser representative may only transact business in a state if appropriately licensed or registered. Follow-up, individualized responses to persons in a state by such a firm or individual will not be made without first complying with appropriate licensing or registration requirements.

For information concerning licensing status or disciplinary history, consumers should contact their state insurance department or securities law administrator.

JURISDICTIONAL ISSUES
This website is controlled and operated by CNY Health Associates from its office within the State of New York, United States of America. CNY Health Associates makes no representation that materials on www.cnyhealth.net are appropriate or available for use in any other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

DISCLAIMER
The materials on this website, www.cnyhealth.net, are provided "AS IS" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. CNY Health Associates does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. CNY Health Associates does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not CNY Health Associates) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites can be accessed through this site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent and not under control of CNY Health Associates. CNY Health Associates does not endorse, approve or certify any information, product or service referenced or provided at such addresses. The material on this website is provided for informational purposes only and it is not intended and should not be construed as legal, tax or other professional advice. It is not a substitute for obtaining legal, tax or other professional advice from a competent, independent adviser in your jurisdiction.

LIMITATION OF LIABILITY
While CNY Health Associates uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. CNY Health Associates makes no warranties or representations as to the accuracy of the materials on this website. Under no circumstances, including, but not limited to, negligence by act or omission, shall CNY Health Associates or any party involved in creating, producing, or delivering this website be liable 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 CNY Health Associates or a CNY Health Associates authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall CNY Health Associate's total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website. CNY Health Associates assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS
This site is owned and operated by CNY Health Associates. Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by CNY Health Associates, no materials from www.cnyhealth.net or any other website owned, operated, licensed or controlled by CNY Health Associates may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without CNY Health Associates written permission. CNY Health Associates neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with CNY Health Associates.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS
Images displayed on this website are either the property of, or used with permission by, CNY Health Associates. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All trademarks, service marks, trade names, logos, and icons used by CNY Health Associates or any CNY Health Associates affiliated company are proprietary to CNY Health Associates. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of CNY Health Associates or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Inquiries concerning use of CNY Health Associates trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to David E. Lindberg, CNY Health Associates, 116 Salina St. Suite #7, Liverpool, NY 13088, United States of America. Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions, will not be treated as confidential nor as proprietary and will become the property of CNY Health Associates or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, CNY Health Associates is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

LINKS TO OTHER SITES
This website may contain hyperlinks (or "links") to other websites that are not associated with his Site. Such unassociated websites may contain links to other unassociated sites as well. These links are provided as a convenience to you and to assist in your search for information. We make no endorsement, express or implied, about any of these linked sites, are not responsible for materials posted or activities that occur on such linked sites, and do not review (i) content or advertisements posted on or (ii) activities occurring on these linked sites. If you decide to link to any unassociated website, it is at your own risk. Because we are not associated with these linked websites, you should direct any concerns or problems

TRADEMARK/SERVICE MARK NOTICES
All trademarks, service marks, trade names and logos used by CNY Health Associates or its subsidiaries are registered trademarks or service marks of CNY Health Associates. We are very protective of our trademarks and service marks. All use of these marks must be with our permission. We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we may be entitled to collect your profits, our actual damages and, perhaps, even our attorneys` fees. We thank you for your cooperation.

PRIVACY AND CONFIDENTIALITY
CNY Health Associates shall exercise reasonable precautions to maintain the confidentiality of all information provided by you in connection with accessing this site. Because such information can be accessed through the Internet, no assurance can be given to you that this information will remain secure. CNY Health Associates may, at times, disclose such information to its employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose. This site does not collect personally identifying information about individuals except when specifically and knowingly provided by such individuals.