Terms and Conditions of Website Use

Insurance Policy Interpretation or Legal Advice

The information and articles contained on this website are provided for general informational purposes only. Nothing contained on this website is intended to constitute, and should not be construed as an interpretation of any insurance provision or policy or as legal advice on any subject matter.  Therefore, you should not rely on the information and articles provided as a policy interpretation or as legal advice on any subject for any purpose, and should always seek the legal advice of competent counsel.  Application of risk management principles should take into account your specific facts and circumstances, and you should seek tailored advice from your risk manager before taking any action in reliance on information from this website.

Nothing contained in this website shall serve to amend, alter or modify the terms, conditions or exclusions of any insurance policy.

Legal Notices

FOJP expressly disclaims any and all responsibility and liability with respect to actions or omissions based on any information or articles contained in this website.

You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. We request that you not create any kind of hyperlink from any other website to ours unless you first obtain our permission.  FOJP provides hyperlinks to third party websites as a convenience to users of this website. FOJP does not control third party websites and is not responsible for the contents of any hyperlinked third party websites or any hyperlink in a hyperlinked site. FOJP does not endorse, recommend or approve any third party website hyperlinked from this website. FOJP shall have no liability to any entity for the content or use of the content available through such hyperlink.

Changes are periodically made to the information contained on the website. FOJP may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.  If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of New York. By accessing the FOJP website, you have directed your system to a computer located in the State of New York. Any and all disputes arising from the content of the FOJP website are to be governed exclusively by the laws of the State of New York.