Please read the following
terms and conditions carefully before using this website
or any of our other websites. You should review these
terms and conditions regularly as they may change at any
time at our sole discretion. The following terms and
conditions apply to all of our websites, including any
websites owned, operated or sponsored by any of our
subsidiaries or affiliates. However, we may add to, or
supersede, certain provisions of the following terms and
conditions with other provisions located in other parts
of all of our websites.
1. Liability
UNDER NO CIRCUMSTANCES
SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM
YOUR USE OF, OR INABILITY TO USE, THIS website. Some
jurisdictions do not allow the exclusion or limitation
of liability for consequential or incidental damages. In
such jurisdictions, our liability is limited to the
greatest extent permitted by law.
THIS website CONTENT IS
PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND,
EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED
TO, IMPLIED WARRANTIES OR MERCHANTABILITY AND FITNESS
FOR A PARTICULAR PURPOSE.
2. We Do Not Have
Responsibility for Links to Third Party Content
LINKS TO THIRD PARTY
WEBSITES ARE PROVIDED FOR YOUR CONVENIENCE AND
INFORMATION ONLY. THE CONTENT IN ANY LINKED WEBSITES IS
NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.
We reserve the right to
terminate a link to a third party website at any time.
The fact that we provide a link to a third party website
does not necessarily mean that we endorse, authorize or
sponsor that website, nor that we are affiliated with
the third party website's owners or sponsors.
3. Privacy/Treatment of
Information or Data Transmitted to Us
Personal information
transmitted to us, if any, will be treated in accordance
with our Privacy Policy.
4. Proprietary Rights &
Restricted Use
NFP is the owner of all
text contained on this website. You are not authorized
to post on or transmit to or from this website any
unlawful, threatening, libelous, defamatory, obscene,
scandalous, inflammatory, pornographic, or profane
material, or any content that could give rise to any
civil or criminal liability.
You may print a copy of
the information contained herein for your personal use;
however, you may not reproduce or distribute the text or
graphics contained on this website to others or
substantially copy the information on your own server,
or link to this website, without the prior written
permission of NFP. You may request permission by
contacting the Office of the General Counsel at (212)
301-4000 or by fax to (212) 301-4001.
5. By Providing Content,
We Do Not Allow You to Use Trademarks, Service Works or
Copyrights Referenced on This Website
Other parties'
trademarks, copyrights and services marks that may be
referred to are the property of their respective owners.
Nothing on this website should be construed as granting,
by implication, waiver, estoppel, or otherwise, any
license or right to use any trademark without our
written permission. Neither the copyrighted name of
National Financial Partners Corp. nor our logo may be
used in any way, including in advertising or publicity
pertaining to distribution of materials on this website,
without prior written permission. You are not authorized
to use our logo as a hyperlink to this website unless
you obtain our written permission in advance.
6. We Are Not Providing
Investment Advice Nor Soliciting Offers
Nothing on this website
constitutes investment advice, including our filings
with the U.S Securities and Exchange Commissions (SEC).
In addition, our investor relations materials and our
other website content are not offers to sell or
solicitations of any offer to buy any security or any
insurance product. No security offered by NFP is offered
or will be sold in any jurisdiction in which such offer
or solicitation, purchase or sale would be unlawful
under the securities law or other laws of such
jurisdiction. No such security is offered or will be
sold in any jurisdiction by an entity which is not
properly licensed to do so in such jurisdiction. In
addition, any prospectus information available on this
website is posted for informational purposes only.
When available, our
annual reports, 10-K and 10-Q reports and other
materials, including Section 16 filings, will be
accessible through this website. Other materials we have
filed with the SEC may be obtained by accessing the
SEC's website at
http://www.sec.gov, by visiting the SEC at its
Washington, D.C. or various regional offices, or by
hiring a document retrieval service to obtain the
filings for you. Please note that because NFP does not
maintain or provide information directly to any site
other than the SEC, NFP cannot make any representations
or warranties with respect to information contained
therein nor take responsibility for supplementing,
updating or correcting such information.
7. You Should Not Rely on
the Stock Price Information on This Website
We do not generate the
information regarding NFP's stock price for this
website. We believe that the information on the Investor
Relations home page is substantially accurate; however,
we cannot guarantee or warrant the accuracy,
completeness, or timeliness of the information. You
should not rely on the stock price information for
investment purposes. We are not liable for any loss or
damages, whether direct, indirect, incidental, special,
consequential, or exemplary, that may arise from
reliance on the stock price information on the Investor
Relations portion of this website.
8. Investors Should Not
Unduly Rely on Any Forward-Looking Information
This website contains
certain statements relating to future results, which are
forward-looking statements as that term is defined in
the Private Securities Litigation Reform Act of 1995.
Forward-looking statements include, without limitation,
any statement that may project, indicate or imply future
results, events, performance or achievements, and may
contain the words "anticipate," "expect," "intend,"
"plan," "believe," "estimate," "may," "will" and
"continue" and similar expressions of a future or
forward-looking nature. Forward-looking statements may
include discussions concerning revenue, expenses,
earnings, cash flow, dividends, capital structure,
credit facilities, market and industry conditions,
premium and commission rates, interest rates,
contingencies, the direction or outcome of regulatory
investigations and litigation, income taxes and NFP's
operations. These forward-looking statements are based
on management's current views with respect to future
results, and are subject to risks and uncertainties.
Factors that could cause actual results to differ
materially from those contemplated by a forward- looking
statement include: (1) NFP's success in acquiring high
quality independent financial services distribution
firms, (2) the performance of NFP's firms following
acquisition, (3) competition in the business of
providing financial services to the high net worth and
entrepreneurial corporate markets, (4) NFP's ability,
through its operating structure, to respond quickly to
operational or financial situations and to grow its
business, (5) NFP's ability to effectively manage its
business through the principals of its firms, (6) the
impact of legislation or regulations in jurisdictions in
which NFP's subsidiaries operate, including the possible
adoption of comprehensive and exclusive federal
regulation over all interstate insurers, (7) changes in
tax laws, including the elimination or modification of
the federal estate tax and any change in the tax
treatment of life insurance products, (8) changes in the
pricing, design or underwriting of insurance products,
(9) changes in premiums and commission rates, (10)
adverse developments in the insurance markets in which
NFP operates, resulting in fewer sales of
insurance-related products, (11) adverse results or
other consequences from litigation, arbitration or
regulatory investigations, including those related to
compensation agreements with insurance companies and
activities within the life settlements industry, (12)
adverse results or other consequences from higher than
anticipated compliance costs, including those related to
expenses arising from internal reviews of business
practices and regulatory investigations, (13)
uncertainty in the insurance and life settlements
industries arising from investigations into certain
business practices by various governmental authorities
and related litigation, (14) the reduction of NFP's
revenues and earnings due to the elimination or
modification of compensation arrangements, including
contingent compensation arrangements, and (15) other
factors described in NFP's filings with the Securities
and Exchange Commission including its Annual Report on
Form 10-K for the year ended December 31, 2005.
Forward-looking statements speak only as of the date on
which they are made. NFP expressly disclaims any
obligation to update or revise any forward-looking
statement, whether as a result of new information,
future events or otherwise.
9. Circular 230 Notice
Tax Advice Disclosure:
To ensure compliance with requirements imposed by the
IRS under Circular 230, we inform you that any U.S.
Federal tax advice contained on our websites, including
any websites owned, operated or sponsored by any of our
subsidiaries, unless otherwise specifically stated, was
not intended or written to be used, and cannot be used,
for the purpose of (1) avoiding penalties under the
Internal Revenue Code or (2) promoting, marketing or
recommending to another party any matters addressed
herein.
