Terms of Use

Sale of Products Where Prohibited
The information contained on this website does not constitute a solicitation to transact business in any way.

The products and services provided by Ken MacCoy are available only to persons resident in jurisdiction(s) where they may be lawfully offered for sale in accordance with insurance and other regulatory authorities, and not all products and services are available in all geographic regions.

No Advice
The information contained on this website is provided on the understanding that Ken MacCoy is not providing financial, legal, tax, mortgage or accounting advice. As such, it should not be used or relied upon as a substitute for consultation with professional financial, legal, tax, mortgage or accounting advisors.

No Guarantees or Warranties
Certain aspects of the Site have been prepared by persons independent from Ken MacCoy. While every effort has been made to ensure that the information contained on this website is correct, Ken MacCoy is not responsible for any errors and/or omissions, or for the results obtained from the use of this information. All information is provided “as-is” and without guarantee of any kind, including any guarantee of completeness, accuracy, timeliness of information or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including warranties of performance, merchantability and fitness for a particular purpose. Ken MacCoy may make improvements and/or changes in the products and/or services described in this website at any time without notice

Other World Wide Web sites that may be accessed from this Site by hypertext links are entirely independent of the Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to another person or entity shall not, in any manner, be construed as an endorsement by Ken MacCoy of such person’s or entity’s World Wide Web site, products, services, or contributions to the Site.

Other World Wide Web sites which may provide access to this Site by hypertext links are entirely independent of this Site. Any direction by a third party to this Site shall not, in any manner be construed as an endorsement by Ken MacCoy of such party’s World Wide Web site, products or services.

No Endorsements
Certain hypertext links on this website connect to other websites maintained by third parties over whom Ken MacCoy has no control. Ken MacCoy makes no representations or warranties as to the accuracy, completeness or any other aspect of the information contained on those websites.

Limitation on Liability
In no event will Ken MacCoy or his employees or agents be liable to you or anyone else for any action taken or decision made in reliance on any of the information contained on this website or for any direct, indirect, consequential, special or other similar damages, even if Ken MacCoy has been advised of the possibility of such damages.

You agree that your use of the Site shall be on an “as is” basis entirely at your risk. Neither Ken MacCoy, nor any associate(s), employee(s) or companies he represents, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages. Without limiting the foregoing, Ken MacCoy  shall not be responsible for any detrimental reliance that you may place upon the Site or its contents whatsoever.

The Site shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you in direct consultation with either Ken MacCoy and/or associate(s) and/or employee(s) of Ken MacCoy.

Security
You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Site cannot be guaranteed and you acknowledge that your use of the Site (including information you transmit to the Site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Ken MacCoy accepts no responsibility for ensuring the integrity and privacy of information sent either to or from Ken MacCoy in this manner and shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.