Your access to and use of the site is sub­ject to the fol­low­ing Terms and Con­di­tions and all applic­a­ble laws. By access­ing and brows­ing the site, you accept, with­out lim­i­ta­tion or qual­i­fi­ca­tion, the Terms and Con­di­tions and acknowl­edge that oth­er agree­ments between you and Arrow Ben­e­fits Group are super­seded and are of no force or effect.

1. NO RENDERING OF ADVICE

The infor­ma­tion con­tained with­in this web­site is pro­vid­ed for infor­ma­tion­al pur­pos­es only and is not intend­ed to sub­sti­tute for pro­fes­sion­al advice. In access­ing this ser­vice, no client, advi­so­ry, fidu­cia­ry or pro­fes­sion­al rela­tion­ship is impli­cat­ed or estab­lished and nei­ther Arrow Ben­e­fits Group nor any oth­er per­son is, in con­nec­tion with this site, engaged in any pro­fes­sion­al ser­vices or advice. Inter­net sub­scribers, users and online read­ers are advised not to act upon this infor­ma­tion with­out seek­ing the ser­vice of a pro­fes­sion­al. Arrow Ben­e­fits Group specif­i­cal­ly dis­claims any lia­bil­i­ty for any direct, indi­rect, inci­den­tal, con­se­quen­tial or spe­cial dam­ages aris­ing out of or in any way con­nect­ed with access to or use of the web­site (even if Arrow Ben­e­fits Group has been advised of the pos­si­bil­i­ty of such dam­ages), includ­ing lia­bil­i­ty asso­ci­at­ed with any virus­es which may infect a user’s com­put­er equipment.

2. COPYRIGHT & TRADEMARKS

The trade­marks, logos and ser­vice marks dis­played on this web­site are the prop­er­ty of Arrow Ben­e­fits Group. Users are pro­hib­it­ed from using any of these with­out the writ­ten per­mis­sion of Arrow Ben­e­fits Group. All con­tent on the web­site is pro­tect­ed by copy­right. Users are pro­hib­it­ed from mod­i­fy­ing, copy­ing, dis­trib­ut­ing, trans­mit­ting, dis­play­ing, pub­lish­ing, sell­ing, licens­ing, cre­at­ing deriv­a­tive works or using any con­tent on the web­site for com­mer­cial or pub­lic purposes.

3. NO WARRANTIES

Infor­ma­tion pro­vid­ed on this web site is pro­vid­ed “as is” with­out war­ran­ty of any kind, either express or implied, includ­ing with­out lim­i­ta­tion war­ranties of mer­chantabil­i­ty, fit­ness for a par­tic­u­lar pur­pose, or non-infringe­ment. Arrow Ben­e­fits Group peri­od­i­cal­ly adds, changes, improves, or updates the infor­ma­tion and doc­u­ments on this web site with­out notice. Arrow Ben­e­fits Group assumes no lia­bil­i­ty or respon­si­bil­i­ty for any errors or omis­sions in the con­tent of this web site. Your use of this web site is at your own risk. Under no cir­cum­stances and under no legal the­o­ry shall Arrow Ben­e­fits Group, its sup­pli­ers, or any oth­er par­ty involved in cre­at­ing, pro­duc­ing, or deliv­er­ing this website’s con­tents be liable to you or any oth­er per­son for any indi­rect, spe­cial, inci­den­tal, or con­se­quen­tial dam­ages of any char­ac­ter aris­ing from your access to, or use of, this web site.

4. CONFIDENTIALITY OF USER COMMUNICATIONS

Except as required by law, Arrow Ben­e­fits Group will main­tain the con­fi­den­tial­i­ty of all user com­mu­ni­ca­tions which con­tain per­son­al user infor­ma­tion and which are trans­mit­ted direct­ly to Arrow Ben­e­fits Group.

5. LINKED INTERNET WEBSITES

Arrow Ben­e­fits Group does not ver­i­fy, con­firm, guar­an­tee, or war­rant the accu­ra­cy of any infor­ma­tion con­tained on the web­sites that may be linked to from these pages. They are pro­vid­ed as links mere­ly for the con­ve­nience of our site vis­i­tors, and are for infor­ma­tion­al pur­pos­es only. By “hyper­link­ing” to oth­er web­sites, Arrow Ben­e­fits Group makes no endorse­ment of the views or opin­ions stat­ed there­in. Fur­ther, hyper­links to oth­er web­sites are not intend­ed to be refer­rals or endorse­ments of the linked entities.

6. TRANSMISSION OF PERSONAL DATA

User acknowl­edges and agrees that by pro­vid­ing Arrow Ben­e­fits Group with any per­son­al or pro­pri­etary user infor­ma­tion through the web­site, user con­sents to the trans­mis­sion of such per­son­al or pro­pri­etary user infor­ma­tion as nec­es­sary for pro­cess­ing in accor­dance with Arrow Ben­e­fits Group’s stan­dard busi­ness practices.

7. LAWS AND REGULATIONS

User access to and use of the Site is sub­ject to all applic­a­ble fed­er­al, state and local laws and regulations.

8. ACCESS TO PASSWORD PROTECTED/SECURE AREAS

Access to and use of pass­word pro­tect­ed and/or secure areas of the Web­site are restrict­ed to autho­rized users only. Unau­tho­rized indi­vid­u­als attempt­ing to access these areas of the Web­site may be sub­ject to prosecution.