Please read these terms and conditions (the “Terms of Use”) carefully as they apply to your access and/or use of this Site. By accessing this Site and any pages thereof, you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use this Site. These Terms of Use are subject to change at any time. Every time you access Web pages of EGI Financial Holdings Inc. make sure that you check this page.

The term “EGI” shall mean EGI Financial Holdings Inc. and any of its related and affiliated corporations including but not limited to Echelon General Insurance Company and EGI Insurance Managers Inc.

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It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by an entity of EGI is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in respect to your personal situation.

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EGI cannot guarantee that any Hyperlink set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by a Hyperlink are developed and possibly maintained by persons over whom Echelon has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, EGI assumes no responsibility for the content of any sites referenced by any Hyperlink or otherwise.

A link from this Site to another Site (or a link from another Site to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such Site, its contents, or any products or services advertised or distributed through that Site. EGI believes that the links it provides to other publicly accessible Sites, Web pages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Without the written consent of EGI no person and no Site may make a link to this Site, whether to its home page or to any internal page.

EGI has the right, but not the obligation to monitor any transmission made to and for this Website.

EGI does not warrant that any information, software or other material accessible through one of their Web pages is free of viruses, worms, Trojan horses or other harmful components.

When accessing or making use of any part of this Site, you may not:

CAUTION: ANY ATTEMPT BY ANY PERSON TO DAMAGE THIS SITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. EGI RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULL EXTENT OF THE LAW.

Last updated - January 2006