Legal Terms & Conditions of Use

PLEASE READ THESE TERMS OF USE AND LEGAL DISCLAIMER  CAREFULLY BEFORE USING THIS SITE. BY USING THE SITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. IF YOU DO NO AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.

1. TFG Global, TFG Global Insurance Solutions, Expat Financial^{TM, SM}, Global Travel Online.com^{TM, SM,}  ExpatFinancial.com^{TM, SM}, TFG Global Travel Insurance^{TM, SM}, GlobalTravelInsurance.com^{TM, SM}, Tompkins Financial Group^{TM, SM}, TFG^{TM, SM} and the Expat Financial^{TM, SM}, TFG Global Travel Insurance^{TM, SM} and ^{TFG Global Insurance Solutions TM, SM} web sites (the "Web Sites") are owned and operated by TFG Global Insurance Solutions Ltd. ("TFG"). No material from the Web Sites may be copied, reproduced, down loaded, uploaded, modified, sold, displayed published, republished, posted, transmitted distributed, incorporated into another work or otherwise dealt with or exploited except as expressly authorized by TFG in writing. Without limiting the foregoing, any use or modification of the content of the Web Sites is strictly prohibited. Notwithstanding the foregoing, visitors to the Web Sites may print or download the information contained on the Web Sites for their own personal and non-commercial use only and on the condition that they indemnify and hold harmless David G. Tompkins and TFG from and against all manner of claims, suits, demands, damages, costs, and consequences of such use. These terms and conditions may be updated by TFG from time to time without notice to you.

    

2. The information and content contained in the Web Sites is intended for general informational purposes only. It is not intended to constitute, insurance, legal , financial, tax or any other professional advice or services. You should consult a qualified professional advisor before making any decision relating to the information contained in the Web Sites.

    

3. Much of the information contained on the Web Sites has been compiled from third party sources. Accordingly, TFG makes no representation or warranty concerning the accuracy of the information and content contained in the Web Sites. The information and content is provided strictly on an "as is" basis. TFG expressly disclaims all warranties whether express, implied or statutory, to the greatest extent permissible by law, including, but not limited, all warranties of accuracy, completeness, merchantability, performance, and fitness for a particular purpose. All information should be verified directly with TFG prior to your acting in reliance upon it.

    

4. DAVID G. TOMPKINS AND TFG EACH HEREBY EXPRESSLY DISCLAIM FOR THEMSELVES AND THEIR RESPECTIVE EMPLOYEES, SUCCESSORS, HEIRS, AFFILIATES AND AGENTS, ANY AND ALL LIABILITY FOR ANY DAMAGES OR LOSS SUFFERED BY YOU, OR BY ANY OTHER PERSON, AS A RESULT OF YOUR USE OF THE INFORMATION AND CONTENT CONTAINED ON THE WEB SITES INCLUDING, BUT NOT LIMITED TO, ANY CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY AND GENERAL DAMAGES WHETHER OR NOT THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

    

5. All links between the Web Sites and other sites are owned, managed and maintained by independent third parties. As such sites are outside of the control of TFG, TFG makes no representations or warranties regarding the accuracy, completeness or any other aspect of the content of such sites or the advertising, services or products offered or sold by way of such sites. Furthermore, TFG does not endorse such sites nor any advertising, services or products offered by way of such sites. You further agree that TGF is in no way responsible for the content or availability of such sites. YOU EXPRESSLY AGREE THAT TFG WILL IN NO WAY, DIRECTLY OR INDIRECTLY, BE LEGALLY LIABLE FOR ANY CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER MATERIALS AVAILABLE ON OR BY WAY OF SUCH SITES, NOR FOR ANY LOSS OR DAMAGES RESULTING FROM OR RELATED TO SUCH CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER MATERIALS OR YOUR USE THEREOF OR RELIANCE THEREON.

    

6. Nothing contained in the Web Sites should be construed as a solicitation, offer to sell or contract of any kind. Purchasers of insurance & travel products should check their local laws before buying any insurance or travel product.

    

7. Complete details of the benefits and plans available through TFG are contained in the policies, schedules and endorsements of the particular plans and can be obtained from TFG without charge upon request.

    

8. You agree to direct all inquiries regarding claims under policies arranged by TFG to the insurance company that issued your policy.