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TERMS OF SERVICE

Guardian Group, Inc.'s ("Guardian") Web Site (the "Web Site") is offered to you for your use conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Web Site constitutes your agreement to all such terms, conditions, and notices.

Client agrees to indemnify, defend and hold harmless Guardian and its officers, directors; and employees and any subsidiaries of Guardian from and against any and all damages, claims, liabilities, fines, penalties, costs and expenses (including, but not limited to, attorneys' fees and court costs) arising out of Guardian carrying out Client's claim information on the internet.

SOFTWARE AND CONTENT AVAILABLE THROUGH THE WEB SITE

All content and software (if any) that is made available to view and/or download in connection with the Web Site or systems (collectively "Content") is owned by and is the copyrighted work of Guardian and/or its suppliers or affiliates, and is protected by copyright laws and international treaty provisions. By using the Web Site and/or accessing the Content or any portion thereof, you hereby acknowledge that the Content provided to you by or on behalf of Guardian constitutes confidential and/or proprietary information of Guardian. You agree that you shall hold all such Content in confidence and trust and shall not, without the prior written consent of Guardian, disclose or provide all or any portion of the Content to any other person or entity.

Guardian hereby grants to you, the user, a revocable personal, non-transferable license to use the Content for viewing and otherwise using the Web Site and related services in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Any reproduction or redistribution of the Content is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE CONTENT OR SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. You acknowledge that the Content, and any accompanying documentation and/or technical information, is subject to applicable export control laws and regulations of the USA. You agree not to export or re-export the Content, directly or indirectly, to any countries that are subject to USA export restrictions.

PRIVACY AND PROTECTION OF PERSONAL AND COMPANY INFORMATION

Collection of Your Personal and Company Information.

Guardian may collect information that is identifiable to a particular company or individual, such as e-mail addresses, names, addresses or telephone numbers. Guardian may also collect anonymous demographic information that is not unique to any company or individual, such as ZIP codes, ages, genders, preferences or interests. Guardian does not associate sensitive data, such as race, religion, or political affiliations, with personally identifiable information, and generally has no access to or need to know any such sensitive information.

Guardian encourages you to review the privacy statements of Web sites you choose to link to from the Web Site so that you can understand how those Web sites collect, use and share your information. Guardian is not responsible for the privacy statements or other content on Web sites outside of the Guardian family of Web sites.

There is also information about your computer hardware and software that may be automatically collected by Guardian. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Guardian, if at all, for the operation of its Web service, to maintain quality of the service, and to provide general statistics regarding use of the Web site.

Use of Your Personal and Company Information.

Guardian may collect and use your personal and company information to operate the Web Site and deliver the services you have requested. Guardian may also use your personally identifiable information to inform you of other products or services available from Guardian. Guardian may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered. Guardian does not sell, rent or lease its customer lists to third parties.

Guardian will disclose your personal or company information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Guardian or the Web Site; (b) protect and defend the rights or property of Guardian; or (c) act under exigent circumstances to protect the personal safety of users of the Web Site, or members of the general public.

Use of Cookies.

The Web Site may use "cookies" to help personalize user's online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you register with Guardian, a cookie helps Guardian to recall your specific information on subsequent visits. This simplifies the process of recording your personal or company information, such as billing addresses, shipping addresses, case information and so on. When you return to the Web Site, the information you previously provided can be retrieved, so you can easily use the features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to effectively utilize the Web Site or fully experience the interactive features of the Web Site.

MODIFICATION OF THESE TERMS OF USE

Guardian reserves the right to change the terms, conditions, and notices under which the Web Site and related services are offered. You are responsible for regularly reviewing these terms and conditions. Your continued use of the Web Site constitutes your acknowledgement that you are aware of, and agree to, all such terms, conditions, and notices.

LINKS TO THIRD PARTY SITES

The Web Site may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Guardian and Guardian is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Guardian is not responsible for web casting or any other form of transmission received from any Linked Site nor is Guardian responsible if the Linked Site is not working appropriately. Guardian is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Guardian of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.

Any dealings with third parties included within the Web Site and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and the third party. Guardian shall not be responsible or liable for any part of any such dealings.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Web Site, you agree that you will not use the Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Web Site in any manner that could damage, disable, overburden, or impair the Web Site or interfere with any other party's use and enjoyment of the Web Site or any other Guardian service. You may not attempt to gain unauthorized access to any Guardian service, other eGUARDÔ accounts, computer systems or networks connected to the Web Site through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Web Site.

USE OF SERVICES

The Web Site may contain e-mail services, and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). You agree to use the Communication Services only to send and receive messages and material that are proper and, when applicable, related to the particular Communication Service.

By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
· Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
· Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.
· Upload, or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including, by way of example, and not as limitation, copyright or trademark laws (or by rights of privacy or publicity) unless you own or control the rights thereto or have received all necessary consents to do the same.
· Use any material or information, including images or photographs, which is made available through the Web Site in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.
· Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.
· Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
· Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
· Restrict or inhibit any other user from using and enjoying the Communication Services.
· Violate any code of conduct or other guidelines, which may be applicable for any particular Communication Service.
· Harvest or otherwise collect information about others, including e-mail addresses.
· Violate any applicable laws or regulations.
· Create a false identity for the purpose of misleading others.
Guardian has no obligation to monitor the Communication Services. However, Guardian reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Guardian reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. Guardian reserves the right at all times to disclose any information as Guardian deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Guardian's sole discretion.

Always use caution when giving out any personally identifiable information about yourself or your company in any Communication Service. Guardian does not control or endorse the content, messages or information found in any Communication Service and, therefore, Guardian specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination; you are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO GUARDIAN OR POSTED AT GUARDIAN GROUP, INC. WEB SITE

Guardian does not claim ownership of the materials you provide to Guardian (including feedback and suggestions) or post, upload, input or submit to the Web Site for review by the general public, or by the members of any public or private community, (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting ("Posting") your Submission, you are granting Guardian to use your Submission in connection with the operation of its business (including, without limitation, the Web Site), including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Guardian is under no obligation to post or use any Submission you may provide and Guardian may remove any Submission at any time in its sole discretion.

By Posting a Submission, you warrant and represent that you own or otherwise control all of the rights to your Submission as described in these Terms of Use including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

THE INFORMATION, CONTENT, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE WEB SITE AND TO THE INFORMATION THEREIN. GUARDIAN AND/OR ITS RESPECTIVE SUPPLIERS OR AFFILIATES MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEB SITE AT ANY TIME. GUARDIAN MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, LACK OF VIRUSES OR OTHER HARMFUL COMPONENTS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED WITHIN THE WEB SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. GUARDIAN HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, TITLE AND NON-INFRINGEMENT.

YOU SPECIFICALLY AGREE THAT GUARDIAN SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH THE WEB SITE. YOU SPECIFICALLY AGREE THAT GUARDIAN IS NOT RESPONSIBLE OR LIABLE FOR ANY THREATENING, DEFAMATORY, OBSCENE, OFFENSIVE OR ILLEGAL CONTENT OR CONDUCT OF ANY OTHER PARTY OR ANY INFRINGEMENT OF ANOTHER'S RIGHTS, INCLUDING INTELLECTUAL PROPERTY RIGHTS. YOU SPECIFICALLY AGREE THAT GUARDIAN IS NOT RESPONSIBLE FOR ANY CONTENT SENT USING AND/OR INCLUDED IN THE WEB SITE BY ANY THIRD PARTY.

IN NO EVENT SHALL GUARDIAN BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEB SITE, WITH THE DELAY OR INABILITY TO USE THE WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF GUARDIAN OR ANY OF ITS SUPPLIERS OR AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEB SITE OR RELATED SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEB SITE.

GUARDIAN MAKES NO WARRANTY THAT ANY SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.

TERMINATION/ACCESS RESTRICTION

Guardian reserves the right, in its sole discretion, to terminate your access to the Web Site and the related services or any portion thereof at any time, without notice.

Guardian shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

GENERAL

This agreement is governed by the laws of the State of California, U.S.A. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Los Angeles County, California, U.S.A. in all disputes arising out of or relating to the use of the Web Site. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Guardian as a result of this agreement or use of the Web Site. You agree to indemnify, defend, protect and hold harmless Guardian, its shareholders, directors, officers, employees, contractors, agents, attorneys, successors and assigns, and each of them, from and against any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on the Web Site. Guardian's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Guardian's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Web Site or information provided to or gathered by Guardian with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Guardian. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

By submitting this information, I agree that I have the authority to agree to the terms and conditions described above on behalf of the entity or company with whom I am employed or represent.

COPYRIGHT AND TRADEMARK NOTICES

All contents of the Web Site are: Copyright (c) 1999 - 2001 Guardian Group, Inc. All rights reserved.

Any rights not expressly granted herein are reserved.

CONTACTS

If you have any questions regarding the use of this web site, or of any copyrighted materials pertaining to Guardian Group, Inc., please contact us, either by e-mail at info@guardiangroup.com or by telephone at (310) 320-0320.

Guardian Group, Inc.
2350 West 205th Street
Torrance, CA 90501-1460