Important Disclaimer Notice
Disclaimer

Stephen W. Gersh Insurance Agency, Inc. ("SGI") makes reasonable efforts to present accurate and
reliable information in this World Wide Website in the domain "www.gershinsurance.com" ("Site");
however, SGI is not responsible for any errors in or omissions from the information contained in or
accessed through this Site, nor is SGI responsible for the timeliness of the information. The
information in this Site is not intended to provide specific advice about individual legal, business or
other questions, and it is not a substitute for users’ independent research and evaluation of any issue.
If specific legal or other expert advice is required or desired, the services of an appropriate, competent
professional should be sought. All of the information in this Site is provided "as is" without warranty of
any kind. SGI makes no representations of any kind and disclaims all express, implied, statutory or
other warranties of any kind to the user and/or any other party, including, without limitation, any
warranties of accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any
particular purpose. SGI shall have no tort, contract or any other liability to users of this Site and/or to
any other party. SGI shall not be liable to users and/or any other party for any lost profits or lost
opportunities, or any indirect, special, consequential, incidental or punitive damages whatsoever, even
if SGI has been advised of the possibility of such damages.

Hyperlinks Are Not Endorsements

Links to SGI member sites, other Websites or references to products, services or publications, other
than those of SGI at this Site, do not imply SGI’s endorsement or approval of such Websites, products,
services or publications, nor are such links or references any indication that SGI has received specific
authorization to provide these links or references. SGI does not endorse, approve, certify or control
these external Websites, and is not responsible for the accuracy, timeliness, completeness, efficacy,
merchantability, fitness for any particular purpose or correct sequencing of information located at such
sites. Rather, the links on this Site to other Websites are provided solely as a convenience to users of
this Site.

Notice of Copyright Ownership

The works of authorship including, but not limited to, all design, text, images, and sounds, contained
in this Site (individually and collectively "Publications"), are owned by SGI, except as otherwise
expressly stated. The Publications may not be copied, reproduced, transmitted, displayed, performed,
distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in
part (individually and collectively "Reproduced") in any manner without SGI’s prior written consent,
except to the extent that such use constitutes "fair use" under the Copyright Act of 1976 (17 U.S.C. §
107), as amended, and except for one temporary copy in a single computer’s memory and one
unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an
attached copy of this Disclaimer Notice.

Some of the works of authorship on the Site were provided under license from other entities with all
rights reserved. You may provide a hypertext link to this Site on another Website, provided that: (a)
the link must be a text-only link clearly marked "Gersh Insurance Home Page"; (b) the link must
"point" to the URL "http://www.gershinsurance.com" and not to other pages within the Site; (c) the
appearance, position and other aspects of the link may not be such as to damage or dilute the
goodwill associated with SGI’s name and trademarks; (d) the appearance, position and other aspects
of the link may not create the false appearance that an entity, product, service or work of authorship is
associated with, sponsored by or endorsed by SGI; (e) the link, when activated by a user, must display
this Site full-screen and not within a "frame" on the linked Website; and (f) SGI reserves the right to
revoke its consent to the link at any time, for any reason, in its sole discretion.

Severability

Some U.S. states and foreign countries provide rights in addition to those above or do not allow the
exclusion or limitation of implied warranties or liability for incidental or consequential damages.
Therefore, the above limitations may not apply to you, or there may be state provisions which
supersede the above. Any clause of this Disclaimer Notice declared invalid by the appropriate authority
shall be deemed severable and shall not affect the validity or enforceability of the remainder of this
Disclaimer Notice. The terms of this Disclaimer Notice are governed by the laws of the Commonwealth
of Massachusetts, without regard to its conflicts of laws rules, and may only be amended in a writing
signed by SGI.
Copyright © 2016 Stephen W. Gersh Insurance Agency, Inc.  All rights reserved.
9 Monument Ave., Marlboro MA 01753 • 180 Union Ave., Framingham MA 01702 • 477 Park Ave., Worcester MA 01610