The contents of this website (the “Site”) and everything communicated by Charter Partners and its affiliates and agents, regardless of whether it is written, spoken, recorded audio or video, is intended for education and informational purposes only. All comments are solely the opinion of the presenter. Regardless of whether spoken or written, nothing shall be considered as giving investment or insurance advice, an offer, or solicitation, to buy and/or sell any type of insurance, investments products or securities. Prior to making any investment you should consult with an insurance broker, financial advisor, legal and tax advisor to assist in due diligence as may be appropriate and determining the appropriateness of the risk associated with a particular policy or investment. All information contained herein is provided “as is,” and Charter Partners and its affiliates each expressly disclaim making any express or implied warranties with respect to the fitness of the information contained herein for any particular usage, its merchantability or its application or purpose. In no event shall Charter Partners or its affiliates be responsible or liable for the correctness of any such material or for any damage or lost opportunities resulting from use of this data. The sketches, renderings, graphics materials, plans, specifications, terms, conditions and statements contained in this Site are proposed only, and Charter Partners reserves the right to modify, revise or withdraw any or all of the same in its sole discretion and without prior notice. Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the underwriting insurance company providing such products or services. This Site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. Statements on this Site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, email, voice mail, fax nor any social media page. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed producer. Any proposal of insurance presented to you will be based upon the information you provide as part of a complete application or in other communications with your producer or Charter Partners. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies and/or coverages are available in every state. Information provided on this site does not constitute professional advice: if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only: we have no control over those sites and do not endorse or guarantee any information provided by those sites. Charter Partners and the Charter Partners mangrove tree logo as well as the logos and marks included on the Site that identify services and products, are proprietary materials. The use of such terms and logos and marks without the express written consent of Charter Partners is strictly prohibited. Copyright in the pages and in the screens of the Site, and in the information and material therein, is proprietary material owned by Charter Partners or its affiliates unless otherwise indicated. The unauthorized use of any material on the Site may violate numerous statutes, regulations and laws, including, but not limited to, copyright, trademark, or trade secret laws. This website does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any insurance policy, security or any other product or service by Charter Partners or any other third party regardless of whether such policy, security, product or service is referenced on this Site. Furthermore, nothing on this Site is intended to provide tax, legal, or investment advice and nothing in this Site should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Charter Partners does not represent that the insurance, securities, products, or services discussed in this website are suitable for any particular party. With your advisors, you are solely responsible for determining whether any insurance, investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. No action has been or will be taken to make or permit an offering of securities in any state where action would be required for that purpose. In considering any prior performance information presented on this Site, bear in mind that past performance does not indicate future results, and that there can be no assurance that comparable results will be achieved by Charter Partners or its affiliates. Moreover, any such past performance information is subject to, and should be reviewed in light of the assumptions accompanying that information. The use of terms such as higher, above average, safe or successful, express the opinion of Charter Partners and are not a promise or guarantee for any possible insurance or investment performance or safety of principal. All persons using the Site expressly agree to the foregoing disclaimer as a pre-condition to using this Site for any purpose whatsoever. Continued use of the Site signifies your acceptance of, and agreement to be bound by, each and every one of the following terms and conditions.