A. Facebook Disclaimer:

The PCFG on Facebook site and/or any application(s) within (“Site”) is intended for the discussion of Preferred Choice Financial Group (“PCFG”) and its products and services. All users of this Site must comply with Facebook’s Terms of Use and the PCFG Terms of Use (see below) for this Site. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com.
Preferred Choice Financial Group and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFG”) are not liable for any errors or omissions on this Site, or for any loss or damages suffered as a result of anything appearing on this Site. Any information or views provided on this Site are current as of the date indicated, and are subject to change without notice. Any information provided on this Site is for information purposes only, and does not constitute any financial, legal, tax, investment or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFG is not responsible for anything posted to this Site by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Site do not necessarily represent or reflect the views of PCFG. PCFG is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Site.

PCFG Terms of Use

The following PCFG Terms of Use apply to those who choose to use the PCFG on Facebook site and/or any application(s) within (”Site”). By using this Site and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFG Terms of Use, as follows:
• PCFG reserves the right, in its sole discretion, without notice, to remove any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Site.
• Any comments or opinions posted or otherwise expressed on the Site are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG at its sole discretion.
• This Site and all content are provided “as is”. By accessing and using the Site you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Site and the content is entirely at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Site, or for any loss or damages suffered as a result the information and materials appearing on this Site or relating to any other matter.

B. Facebook Disclaimer (PCFG Insurance):

The PCFG Insurance on Facebook site and/or any application(s) within (“Site”) is intended for the discussion of PCFG Insurance and its products and services.
“PCFG Insurance” refers to a group of companies, all subsidiaries of Preferred Choice Financial Group, that distribute life, health, home, auto, employee and group benefits, and business insurance products in the United States of America. These companies include PCFG, PCFG Agency, PCFG Insurance Agency, and Preferred Choice Financial Group LLC.

All users of this Site must comply with Facebook’s Terms of Use and the PCFG Insurance Terms of Use (see below) for this Site. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com. PCFG Insurance and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFG”) are not liable for any errors or omissions on this Site, or for any loss or damages suffered as a result of anything appearing on this Site. Any information or views provided on this Site are current as of the date indicated, and are subject to change without notice. Any information provided on this Site is for information purposes only, and does not constitute any financial, legal, tax, investment, insurance or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFG is not responsible for anything posted to this Site by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Site do not necessarily represent or reflect the views of PCFG. PCFG is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Site.

PCFG Terms of Use

The following PCFG Insurance Terms of Use apply to those who choose to use the PCFG Insurance on Facebook site and/or any application(s) within (”Site”). By using this Site and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFG Insurance Terms of Use, as follows:
• PCFG Insurance reserves the right, in its sole discretion, without notice, to remove any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG Insurance wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG Insurance in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Site.
• Any comments or opinions posted or otherwise expressed on the Site are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG at its sole discretion.
• This Site and all content are provided “as is”. By accessing and using the Site you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Site and the content is entirely at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Site, or for any loss or damages suffered as a result the information and materials appearing on this Site or relating to any other matter.

C. Twitter Disclaimer:

The PCFG Twitter account (“Account”) is intended for the discussion of Preferred Choice Financial Group (“PCFG”) and its products and services. All users of this Account must comply with Twitter’s Terms of Service and the PCFG Terms of Use (see below) for this Account. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com.
Preferred Choice Financial Group and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFG”) are not liable for any errors or omissions on this Account, or for any loss or damages suffered as a result of anything appearing on this Account. Any information or views provided on this Account are current as of the date indicated, and are subject to change without notice. Any information provided on this Account is for information purposes only, and does not constitute any financial, legal, tax, investment or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFG is not responsible for anything posted to this Account by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Account do not necessarily represent or reflect the views of PCFG. PCFG is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Account.

PCFG Terms of Use

The following PCFG Terms of Use apply to those who choose to use the PCFG Twitter account (”Account”). By using this Account and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFG Terms of Use, as follows:
• PCFG Insurance reserves the right, in its sole discretion, without notice, to remove any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG Insurance wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG Insurance in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.
• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Account.
• Any comments or opinions posted or otherwise expressed on the Account are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG at its sole discretion.
• This Account and all content are provided “as is”. By accessing and using the Account you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Account and the content is entirely at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Account, or for any loss or damages suffered as a result the information and materials appearing on this Account or relating to any other matter.

D. YouTube Disclaimer:

The PCFG YouTube channel (“Channel”) is intended for the discussion of Preferred Choice Financial Group (“PCFG”) and its products and services. All users of this Channel must comply with YouTube’s Terms of Service and the PCFG Terms of Use (see below) for this Channel. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com.
Preferred Choice Financial Group and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFG”) are not liable for any errors or omissions on this Channel, or for any loss or damages suffered as a result of anything appearing on this Channel. Any information or views provided on this Channel are current as of the date indicated, and are subject to change without notice. Any information provided on this Channel is for information purposes only, and does not constitute any financial, legal, tax, investment or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFG is not responsible for anything posted to this Channel by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Channel do not necessarily represent or reflect the views of PCFG. PCFG is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Channel.

PCFG Terms of Use

The following PCFG Terms of Use apply to those who choose to use the PCFG YouTube channel (”Channel). By posting material to this Channel, including post and comments in response to any videos appearing on it, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFG Terms of Use, as follows:
• PCFG Insurance reserves the right, in its sole discretion, without notice, to remove any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG Insurance wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG Insurance in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Channel, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.
• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Channel.
• Any comments or opinions posted or otherwise expressed on the Channel are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG at its sole discretion.
• This Channel and all content are provided “as is”. By accessing and using the Channel you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Channel and the content is entirely at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Channel, or for any loss or damages suffered as a result the information and materials appearing on this Channel or relating to any other matter.

E. PCFG Helps Disclaimer:

The PCFG Helps site (“Site”) is intended for the discussion of Preferred Choice Financial Group (“PCFG”) and its products and services. All users of this Site must comply with the PCFG Helps’ Disclaimer, the PCFG Terms of Use (see below) for this Site and Disclaimer of Liability. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com.
Preferred Choice Financial Group and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFG”) are not liable for any errors or omissions on this Site, or for any loss or damages suffered as a result of anything appearing on this Site. Any information or views provided on this Site are current as of the date indicated, and are subject to change without notice. Any information provided on this Site is for information purposes only, and does not constitute any financial, legal, tax, investment or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFG is not responsible for anything posted to this Site by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Site do not necessarily represent or reflect the views of PCFG. PCFG is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Site.

PCFG Terms of Use

The following PCFG Terms of Use apply to those who choose to use the PCFG Helps site (”Site”). By using this Site and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFG Terms of Use, as follows:
• PCFG Insurance reserves the right, in its sole discretion, without notice, to remove any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG Insurance wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG Insurance in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Site.
• Any comments or opinions posted or otherwise expressed on the Site are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG at its sole discretion.
• This Site and all content are provided “as is”. By accessing and using the Site you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Site and the content is entirely at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Site, or for any loss or damages suffered as a result the information and materials appearing on this Site or relating to any other matter.

By submitting your email address in connection with your question or answer, you agree that PCFG may use your email address to contact you about the status of your question or answer, and/or other administrative purposes.

F. Twitter Disclaimer (PCFG Insurance):

“PCFG Insurance” refers to a group of companies, all subsidiaries of Preferred Choice Financial Group, that distribute life, health, home, auto, employee and group benefits, and business insurance products in the United States of America. These companies include PCFG, PCFG Agency, PCFG Insurance Agency, and Preferred Choice Financial Group LLC.
The PCFG Insurance Twitter account (“Account”) is intended for the discussion of PCFG Insurance and its products and services. All users of this Account must comply with Twitter’s Terms of Service and the PCFG Insurance Terms of Use (see below) for this Account. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com.
PCFG Insurance and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFG”) are not liable for any errors or omissions on this Account, or for any loss or damages suffered as a result of anything appearing on this Account. Any information or views provided on this Account are current as of the date indicated, and are subject to change without notice. Any information provided on this Account is for information purposes only, and does not constitute any financial, legal, tax, investment, insurance or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment or an offer of insurance or an evaluation of insurance risk. Any products and services, including investment, trading or tax strategies, and insurance advice must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFG is not responsible for anything posted to this Account by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Account do not necessarily represent or reflect the views of PCFG. PCFG is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Account.

PCFG Insurance Terms of Use

The following PCFG Insurance Terms of Use apply to those who choose to use the PCFG Insurance Twitter account (”Account”). By using this Account and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFG Insurance Terms of Use, as follows:
• PCFG Insurance reserves the right, in its sole discretion, without notice, to remove any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG Insurance wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG Insurance in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Account.
• Any comments or opinions posted or otherwise expressed on the Account are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG at its sole discretion.
• This Account and all content are provided “as is”. By accessing and using the Account you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Account and the content is entirely at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Account, or for any loss or damages suffered as a result the information and materials appearing on this Account or relating to any other matter.

G. Instagram Disclaimer:

The PCFG Instagram profile (“Profile”) is intended for the discussion of Preferred Choice Financial Group (“PCFG”) and its products and services. All users of this Profile must comply with Instagram’s Terms of Service and the PCFG Terms of Use (see below) for this Profile. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com.
Preferred Choice Financial Group and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFG”) are not liable for any errors or omissions on this Profile, or for any loss or damages suffered as a result of anything appearing on this Profile. Any information or views provided on this Profile are current as of the date indicated, and are subject to change without notice. Any information provided on this Profile is for information purposes only, and does not constitute any financial, legal, tax, investment or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFG is not responsible for anything posted to this Profile by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Profile do not necessarily represent or reflect the views of PCFG. PCFG is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Profile.

PCFG Terms of Use

The following PCFG Terms of Use apply to those who choose to use the PCFG Instagram profile (“Profile”). By posting material to this Profile, including post and comments in response to any photos, videos and/or other materials appearing on it, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFG Terms of Use, as follows:
• PCFG Insurance reserves the right, in its sole discretion, without notice, to remove any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG Insurance wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG Insurance in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.
• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Profile.
• Any comments or opinions posted or otherwise expressed on the Profile are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG at its sole discretion.
• This Profile and all content are provided “as is”. By accessing and using the Profile you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Profile and the content is entirely at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Profile, or for any loss or damages suffered as a result the information and materials appearing on this Profile or relating to any other matter.

H: Ratings and Reviews Disclaimer

1. Agreement

This website (“Site”) is an online forum moderated by Preferred Choice Financial Group (“PCFG”). The purpose of the Site is to allow participants to rate and review their personal experience with the features and benefits available through the use of your PCFG credit card. All users of this Site must comply with these Terms of Use and the PCFG Legal Notices and Disclaimer of Liability.
These Terms of Use apply to those who use or access this Site. By accessing or using this Site, you agree you have read, understand and agree to be legally bound by these Terms of Use. You must have reached the age of majority in the province or territory in which you live to use the Site. IF YOU DO NOT ACCEPT AND AGREE TO BE BOUND BY THESE TERMS OF USE, PLEASE DO NOT USE THE SITE.
We may modify all or a portion of these Terms of Use or this Site at any time without notice and without incurring any liability or obligation. If we do this, we will post the changes to these Terms of Use on the Site and will indicate at the top of this page the date these Terms of Use were last revised. Your continued access to and/or use of the Site after any such changes means you accept these Terms of Use, as changed. It is your sole responsibility to regularly check the Site to determine if there have been any changes to these Terms of Use and to review such changes.
You agree that we have the right at any time to modify or discontinue all or any part of this Site for any reason, without notice, and that PCFG will not be responsible or liable, directly or indirectly, to you for any loss or damage of any kind incurred as a result of any such modifications or discontinuance.

2. Disclaimer and Limitation of Liability

PCFG is not liable for any errors or omissions on this Site, or for any loss or damage suffered as a result of anything appearing on this Site. Any information or views provided on this Site are current as of the date and time indicated, and are subject to change without notice. Any information provided on this Site is for informational purposes only, and is not (nor should such information be relied on as) financial, legal, tax, investment or other advice. Such statements are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s particular goals, objectives, and risk tolerance.
PCFG is not responsible for anything posted to this Site by third parties, including without limitation Site users, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Site do not necessarily represent or reflect the views of PCFG, who is not responsible for, and disclaims any liability in relation to, anything posted by users of the Site.
This Site and all content thereon are provided “as is”. The use of the Site and the content thereon is at your own risk. PCFG is not liable for any errors or omissions in the information provided on this Site, or for any loss or damages suffered as a result the information and materials appearing on this Site.
PCFG does not make any representation or warranty that: (i) the Site will be compatible with your computer and software; (ii) the Site will be available without interruption or error; (iii) the Site will be free of any viruses, trojan horses, worms or other destructive, intrusive or disruptive components; (iv) the transmission of information to and from the Site will be secure; (v) the use of the Site will not infringe the rights of any person or entity; or (vi) the use of the Site will not cause any damage to your computer systems, software or files.
Any products and/or services described on the Site are offered in jurisdictions where they may be legally offered. The information on the Site is not an offer or solicitation by anyone in anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.

3. Code of Conduct.

This Site permits you to upload, post or otherwise send content that you have created that reviews or rates the features and benefits available through the use of your PCFG Credit Card (“User Content”). You agree that you will not use the Site to upload, post, communicate or otherwise send any User Content that:
• includes any comments, photos, videos, links or other materials that may be inappropriate in nature (as may be determined by PCFG). This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following, as determined by PCFG: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behaviour or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products, services, or companies; content that endorses any form of hate or hate group; content that communicates messages or images inconsistent with the positive images and/or goodwill with which PCFG wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFG.
• includes any third party materials, including, without limitation, any content that infringes, or might infringe, the intellectual property rights, privacy rights, rights of publicity, or other proprietary rights of others or give rise to any claims whatsoever, unless you have first obtained consent from the owner of such materials.
• includes any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or discloses any personal financial information pertaining to yourself or others.
• includes any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites.

By providing User Content, you agree that:
• Any User Content you submit is original to you and that you have obtained all necessary rights in and to the User Content and all of its components (if applicable) to post, upload, or otherwise submit it to or through the Site.
• All User Content you submit represents you true and honest use of and experience with PCFG, and its credit card products.
• Any User Content you submit does not violate any law.

You understand and agree that PCFG cannot (and is not required to) guarantee the accuracy, reliability or completeness of any User Content.
PCFG reserves the right, at any time and without notice, to remove any content that does not adhere to these Terms of Use, or for any other reason.
If you breach any provision of these Terms of Use you may no longer use this Site. If these Terms of Use or your permission to use this Site is terminated for any reason, the Agreement formed when you accepted these Terms of Use will continue to apply and be binding upon you in respect of your prior use of the Site and anything relating to or arising from such use.

4. Licenses Granted by Site Users

By providing User Content, you are giving PCFG permission to use that User Content.
By providing User Content, you: (i) grant to PCFG a world-wide, perpetual, permanent, transferable, sub-licensable (including through multiple layers), royalty-free, non-exclusive, and unrestricted license to copy, reproduce, adapt, transmit, edit, modify, or otherwise use, display, distribute, translate and create compilations from (in any format or media), the User Content that you submit to the Site, with or without attribution, and for any purpose, including commercial purposes and as a testimonial; and (ii) waive all moral rights in all User Content that you submit to the Site in favour of PCFG and those authorized by PCFG to use such User Content.
For greater certainty, this means that, PCFG has the right to use any and all ideas you submit (including ideas about products, services, publications or advertising campaigns), without any notice or obligation to you.

Without limiting the generality of the foregoing, you grant to each user of the Site a world-wide, perpetual, irrevocable, royalty-free, non-exclusive license to share (for non-commercial purposes) any and all User Content (in any format or media) that you submit to the Site via any share functionality that may be on the Site.

5. Intellectual Property Rights (Re: Site Content)

The Site consists of various graphics, and texts that have been provided by PCFG and/or others under its direction (e.g. site designers). All such content is owned by PCFG and/or the applicable third party entity. PCFG and the applicable third parties hold all right, title, and interest in and to any and all content provided by such parties for the Site, including, without limitation, all such information in text, graphical, video and audio formats, images, icons, designs, trade-marks, brand names and software (collectively, the “Site Content”). You hereby acknowledge that the Site Content is protected by all copyright, trade-mark, and other applicable intellectual property laws. Your use of the Site does not grant or transfer to you any ownership or other rights in the Site Content, and except as expressly provided, nothing herein or within the Site shall confer on you or any other person any license under any of PCFG’s, or any third party’s, intellectual property rights, including, without limitation, any right to download, display, reproduce, distribute, modify, edit, alter or enhance any of the Site Content in any manner. Any rights not expressly granted to you in these Terms of Use are expressly reserved by PCFG or any applicable third party. You agree that you will not take any action that is inconsistent with PCFG’s ownership of the Site or any Site Content. Without limiting the generality of the foregoing, users of this Site shall be entitled to copy Site Content only for their own personal and non-commercial use, but may not republish or reproduce any such Site Content in any manner without the prior written consent of PCFG or any third party as applicable.
PCFG grants each user of this Site a limited, non-exclusive and revocable license to make personal and non-commercial use of the Site and its Site Content. For greater certainty, this limited license only allows you to view, download or print materials from this Site for your own personal and non-commercial use (provided all original copyright, trade-mark and other notices are preserved in their original form). This limited license does not include any rights not specifically enumerated herein, and, for greater certainty, does not include permission to copy, redistribute, reproduce or republish, in any form, any content contained within this Site.
Certain logos, words, or phrases contained within the Site may constitute trade names, registered or unregistered trade-marks or service marks (collectively, “Trade-marks”) of PCFG or other entities. All Trade-marks not owned by PCFG are the property of their respective owners, and, where used by PCFG are used under license or with permission. All Trade-marks are and shall remain the sole and exclusive property of their respective owner(s). Any use of such Trade-marks, except as expressly provided for herein, without the express written consent of the applicable owner is strictly prohibited. Nothing contained herein or on this Site may be construed as granting, by implication, estoppel, or otherwise, any license to use any Trade-mark(s). You agree that you will not take any actions inconsistent with PCFG’s, or any third party’s, ownership of the Trade-marks.

6. Indemnity

By using or accessing this Site, you hereby agree to indemnify PCFG, and its respective agents, employees, directors, successors, and assigns from any loss, liability, claim, demand, damage or expense asserted by any entity relating in any way to your use or access of the Site, User Content, and/or breach of these Terms of Use, including, without limitation, any and all claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other cause of action.

7. Internet Abuse and Electronic Transmissions

You may not engage in illegal, abusive, or irresponsible behavior, including:
• Unauthorized access to or use of data, systems or networks, including any attempt to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures (including those belonging to PCFG) without express authorization of the owner of the system or network.
• Monitoring data or traffic on any network or system without the authorization of the owner of the system or network.
• Interference with service to any user, host or network including, without limitation, mail bombing, flooding, deliberate attempts to overload a system and broadcast attacks.
• Use of an internet account or computer without the owner’s authorization, including, but not limited to Internet scanning (tricking other people into releasing their passwords), password robbery, security hole scanning, and port scanning.
• Forging of any TCP-IP packet header or any part of the header information in an e-mail or a newsgroup posting.
• Any conduct that is likely to result in retaliation against the PCFG network.
• Use of PCFG’s network in a way that unreasonably interferes with use of the network.

The transmission of data over the internet may not be secure, and is subject to possible loss, interception or alteration. PCFG does not assume any liability for any damage you may experience or costs you may incur as a result of any electronic transmissions over the internet or within the Site. In no event will the information you provide on or through the Site be deemed to be confidential, create any fiduciary obligations or liability to you on the part of PCFG in the event that such information is released or accessed by third parties without your consent. You should take appropriate precautions to scan for computer viruses, and ensure compatibility of the software with your computer system. You should ensure that you have a complete and current backup of the information contained on your computer system prior to installing any software.

8. Links

This Site may contain links to websites that are independently owned and operated by third parties. These other websites may have their own privacy policies and terms and conditions that are not governed by these Terms of Use. PCFG is not responsible for the privacy practices or the content of any website(s) owned and operated by any such third parties. Other websites may collect and treat information collected differently, so we encourage you to carefully read and review the privacy policy for each website you visit. Any links from this Site to other websites, or references to products, services or publications other than those of PCFG, do not imply the endorsement or approval of such websites, products, services or publications by PCFG.

9. General

If any provision of these Terms of Use is held invalid or unenforceable by any court having competent jurisdiction, such provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of these Terms of Use shall continue in full force and effect. No failure to exercise or waiver of any provision of these Terms of Use shall be deemed a further or continuing waiver of such provision or any other provision of these Terms of Use. These Terms of Use are binding upon you, your heirs, executors, beneficiaries, successors and assigns and you may not assign this Agreement to any other party without the prior written consent of PCFG, which consent may be withheld in our sole and absolute discretion.

I. YouTube Disclaimer (PCFG Insurance)

“PCFG Insurance” refers to a group of companies, all subsidiaries of Preferred Choice Financial Group, that distribute life, health, home, auto, employee and group benefits, and business insurance products in the United States of America. These companies include PCFG, PCFG Agency, PCFG Insurance Agency, and Preferred Choice Financial Group LLC.
The PCFG Insurance YouTube channel (“Channel”) is intended for the discussion of PCFG Insurance and its products and services. All users of this Channel must comply with YouTube’s Terms of Service and the PCFGI Terms of Use (see below) for this Channel. If you have concerns about anything posted on this Site, please contact us at PCFG1@PCFGInsurance.com.

PCFG Insurance and its affiliates or related entities, and their successors and assigns, and their respective directors, officers and employees, (collectively “PCFGI”) are not liable for any errors or omissions on this Channel, or for any loss or damages suffered as a result of anything appearing on this Channel. Any information or views provided on this Channel are current as of the date indicated, and are subject to change without notice. Any information provided on this Channel is for information purposes only, and does not constitute any financial, legal, tax, investment or other advice. Where such statements are based on information provided by third parties, they are not guaranteed to be accurate or complete. Any graphs, charts, or graphics are used for illustrative purposes only and do not reflect any future event or future value or performance of any investment. Any products and services, including investment, trading or tax strategies, must be evaluated relative to each individual’s goals, objectives, and risk tolerance. PCFGI is not responsible for anything posted to this Channel by third parties, and makes no representation as to the accuracy or completeness of information contained in such material. The views expressed on this Channel do not necessarily represent or reflect the views of PCFGI. PCFGI is not responsible for, and disclaims any liability in relation to, anything posted by contributors to, or users of, the Channel.

PCFG Insurance Terms of Use

The following PCFG Insurance Terms of Use apply to those who choose to use the PCFG Insurance YouTube channel (”Channel). By posting material to this Channel, including post and comments in response to any videos appearing on it, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound by the PCFGI Terms of Use, as follows:
• PCFGI reserves the right, in its sole discretion, without notice, to remove, edit, or otherwise modify any content that does not adhere to these Terms of Use.
• You will not post any comments, photos, videos, links or other materials on this Site that may be inappropriate in nature. This means that any comments/materials you submit, including linked material, must not be inappropriate, abusive or otherwise offensive, and must not contain, depict or involve (without limitation) any of the following: profanity or otherwise offensive language; nudity or pornographic material; derogatory characterizations of any ethnic, racial, gender, professional, age or religious groups; content that endorses or condones any illegal, inappropriate or risky activity or behavior or any particular political agenda or message; any content that defames, misrepresents or contains disparaging remarks about other people, products or companies; content that endorses any form of hate or hate group; content that communicates message or images inconsistent with the positive images and/or goodwill to which PCFG Insurance wishes to associate; or any other content that is or could be considered illegal, inappropriate, unsuitable or offensive, all as determined by PCFGI in its sole discretion.
• You will not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Channel, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:

o You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
o You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
o You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials. You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.

• You (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) hereby agree to release, and hold harmless PCFG Insurance from and against any and all claims based on any materials you post and/or submit, including (without limitation) claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action.
• You will not post or submit any personal information about yourself or third parties (e.g. addresses, phone numbers, or email addresses) or disclose any financial information pertaining to yourself or others on this Channel.
• Any comments or opinions posted or otherwise expressed on the Channel are those of their respective contributors only.
• Any materials that are deemed to contain advertisements, “spam” or junk mail content, or references to other websites will be removed by PCFG Insurance at its sole discretion.
• This Channel and all content are provided “as is”. By accessing and using the Channel you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) acknowledge and agree that use of the Channel and the content is entirely at your own risk. PCFGI is not liable for any errors or omissions in the information provided on this Channel, or for any loss or damages suffered as a result the information and materials appearing on this Channel or relating to any other matter.

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