General
This page sets forth the terms and conditions under which Garber Atlas Fries & Associates, Inc. (hereafter referred to as GAF) provides the information on this Web site, as well as the terms and conditions governing your use of this site.  By making use of this site, you agree to be bound by the terms and conditions we have outlined below.  If you do not accept these terms and conditions, do not continue to use or access this site.  We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time.  Your continued use of this site following the posting of changes to these terms will mean you accept those changes.   I understand that no coverage or changes will be considered bound or in force until I have received written or verbal confirmation from a licensed agent of GAF.  I understand that any insurance terms and definitions are meant for general informational purposes and not meant as specific advice or recommendations. For detailed information, it is my responsibility to contact GAF. I understand that GAF will receive documentation of service requests, requests for information or declination for additional information which may become part of my customer file.  I understand that GAF will process service requests based on information provided through this site, and that I will receive confirmation of all changes to my coverage. I authorize all such changes, and assume the responsibility of notifying GAF in the event of errors or misunderstandings. GAF will handle service requests in good faith based on registration information. All service requests will be confirmed to the client and the client must contact GAF in case of error. Client is responsible for updating email address and other information in the event of change. Insurance terms, descriptions of coverage, and other insurance information are not meant to be complete, and the client should contact GAF, and always read the policy for complete information. All insurance and non-insurance information is for general purposes and may not be up-to-date or complete.  
Privacy Policies and Practices

GAF has always been committed to ensuring the privacy and confidentiality of the information it receives. Recently, Congress enacted the Financial Services Modernization Act, which requires that certain companies, including insurance agencies, inform their customers how personal information is collected or disclosed.   To assist in underwriting and servicing your business with us, we may obtain non-public personal information.  It could be information we receive from you verbally or from emails, on applications or forms, such as name, address, phone and fax numbers, email address, Social Security number, drivers license number, assets, income, medical information, etc.  We’ll get information from your transactions with us, as well as your current and past insurance companies such as payment history, account balance, claims information, coverages, and premiums, etc.  We may obtain information from third parties or consumer reporting agencies such as motor vehicle report, insurance score, credit history, etc.  In addition, for life, annuity, disability and health products, we may obtain your medical history with your permission. The nature and extent of the information we obtain varies based on the nature of the products and services you receive. 

We do not disclose any non-public personal information about our customers or former customers to anyone, unless the disclosure is necessary to service your account, and is permitted by law. For example, we may disclose non-public personal information about you in the following situations:  to carry out a transaction that you request; to provide information to companies who perform services on our behalf to help us administer your insurance policies and adjust claims; to comply with a validly issued and enforceable subpoena or summons. We do not sell information about our customers. If you only supply us with your postal address on-line you will receive the information you requested only by mail. If you supply us with your telephone numbers on-line, you may receive telephone contact from us. If you give us your email address, you may receive email from us in the future. 
While we strive to protect your information, GAF cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.  This site does not contain any SSL (secure socket layer) protection or any form of encryption security
 
The importance of security for all personally identifiable information associated with our guests is of utmost concern to us. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, GAF cannot ensure or warrant the security of any information you transmit to us or from our online applications, products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our internal systems.
 This web may contain links to other web sites.  GAF is not responsible for the privacy practices or the content of such web sites.  Contact the authors or webmasters at those sites for their privacy practice statement.  
 
 Use of Cookies
GAF may place an electronic "cookie" in the browser files of a guest's computer.  Cookies are pieces of information that a web site transfers to your browser, which can then be stored on an individual's computer hard drive for record-keeping purposes or to provide you with tailored information.  Cookies themselves do not enable us to access any personal information about our visitors.  However, they do allow GAF to analyze guests' use of our sites with information like:  the date and time you access our site; the pages you visit; the type of browser and operating system used to access out site; the Internet Protocol (IP) address from which you accessed our site; and your internet domain (ABCcompany.com).  This analysis helps us better understand which areas of our site are most useful and popular so we can plan improvements and updates accordingly.  GAF does not use cookies to retrieve information from a visitor's computer that was not originally sent in a cookie.  GAF will never save passwords, credit card or other sensitive information in cookies.  You may set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it.   For more information on cookies and their use, please refer to the Help facility within your browser.  An IP address is a number that's automatically assigned to your computer whenever you are connected to the Internet and surfing the Web.  Web pages automatically identify your computer by its IP address.  GAF collects IP addresses for the purposes of system administration, and to audit the use of our site. When guests request pages from GAF, our servers log the guests' IP addresses.  We do not normally link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous to us.  We will use IP addresses to identify a user when we feel it is necessary to enforce compliance with our house rules or terms of service or to protect our service, site, customers or others. .
Passwords and Security 
You will be able to choose a user password during the registration process. You alone are responsible for maintaining the confidentiality of the password and account access. You are also responsible for all activities or transactions that occur which are authorized by your password. You agree to immediately notify GAF of any unauthorized use of your password or account. Allowing another person to use a login-id and its associated passwords, using a login-id and password assigned to another person, or attempting to gain access to resources for which one is not authorized is a serious breach of security and a violation of the site agreement. You must notify GAF immediately to eliminate access to any individual who is no longer entitled to access your account, due to separation of employment or change in status. We will not be responsible or liable for any loss or damage arising out of your failure to comply with this provision. GAF will keep your registration information confidential. We reserve the right to block access to the site should we suspect that your account is being accessed without your permission for use not permitted by the Terms and Conditions. You may contact us to re-establish your registration should this occur. 
Email Communication
 We recognize that SPAM is an ever-growing problem.  We protect your email address as is if it were our own.  We do not share email addresses with anyone other than your insurance company or one you’re applying to.  All email addresses are stored on secure servers with multiple layers of protection.  By sharing your email with us, you consent to periodic newsletters and communications from GAF.  You can always opt out of these communications by contacting us.  
Jurisdiction and Enforceability
Use of this web site is governed by the laws of the state of New York, other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Oceanside, NY. If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof. 
Loss Prevention 
Any loss prevention or hazard management advice presented in this site is intended as general information of interest to the general public for controlling or minimizing the potential for injuries to persons and property and resulting losses occurring in the home, on the road, in workplaces, business environments, and other specified circumstances or situations. In providing this information, GAF does not warrant that all potential hazards or conditions have been evaluated or can be controlled, or that such risks or losses are covered under the insurance polices or programs described in this site. This information is not intended as an offer to insure such conditions or exposures, or to indicate that GAF will underwrite such risks. GAF assumes no liability for insurance contracts issued by any insurance company it represents.  Any losses are subject to the specific written terms and conditions of actual insurance policies issued by these companies. 
Third-Party Sites   
This site may contain links to other Internet sites ("third-party sites") that are not maintained by GAF.  These links are provided solely for your convenience. Since other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites.  GAF makes no warranties or representations about, and disclaims any responsibility for, the contents of any products or services offered in such third-party sites. Any reference to a linked site or any specific product or service by name does not constitute or imply its endorsement by GAF. Questions about the content of those sites should be directed to their authors.It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature.  IN NO EVENT WILL THE ARGUS BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE OF THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB SITE.  
Products and Services  
The information and descriptions of products and services contained in this site are intended as general information and do not contain all of the terms, conditions and exclusions applicable to the products and services offered by GAF and it’s insurance companies. The precise coverage afforded is subject to the terms and conditions of the policies as issued, and may vary from the general descriptions in this site. This Web site does not amend, modify, or supplement the policies. Availability of the products and services described varies by state. Always consult the actual policy for details regarding terms, conditions, definitions, coverages, and exclusions.  Contact us to discuss products, services, and programs which may be available to you.Please note that none of the information contained in this Web site should be viewed as an offer to sell, or as a solicitation to purchase, any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products GAF generally offers. We believe there is not one policy to fit all people and insurance should be carefully tailored to the needs of the individual, business, or other organization.  While we gather information, and may even offer premium indications, personal contact with one of our professionals becomes necessary prior to an actual sale.  GAF is committed to the concept of personal service.
Warranties Disclaimers 
The materials contained in this site, and in linked sites, directly or indirectly accessible from this site, are provided WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. GAF makes no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the contents of this Web site, and expressly disclaims liability for errors and omissions in the contents of this Web site. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given with respect to the contents of this Web site or its links to other Internet resources. 
Reference in this Web site to any specific commercial products, processes, or services, or the use of any trade, firm, or corporation name is for the information and convenience of the public, and does not constitute endorsement, recommendation, or favoring by GAF.  
Ownership information presented on this Web site is considered public information and may be distributed or copied. 
GAF has the unlimited right to use for any purpose all information submitted to GAF by this site except those submissions made under separate legal contract.  
This Web site and the information it contains are provided as a service by GAF. This system is monitored to ensure proper operation, to verify the functioning of applicable security features, and for comparable purposes. Anyone using this system expressly consents to such monitoring. Unauthorized attempts to modify any information stored on this system, to defeat or circumvent security features, or to use this system for other than its intended purposes are prohibited and may result in criminal prosecution.