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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 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 connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall Capital Choice and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Copyright Notices: Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of Capital Choice Financial Services, Inc. and/or its affiliates and may not be copied or distributed, in whole or in part, without the express written consent of Capital Choice Financial Services, Inc. and/or its affiliates. Permission is granted to print copies of this document and to display and use this document with a computer solely for personal or internal use.

Hyperlinks

Capital Choice cannot guarantee that the hyperlinks set out on our site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by person(s) over whom Capital Choice has no control. Capital Choice cannot and does not monitor the sites linked to its pages on the Internet. Accordingly, Capital Choice assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Capital Choice believes that its making available hyperlinks to publicly accessible web pages and news groups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Data Protection

Capital Choice is not obligated to monitor any transmission made through the respective web pages and news groups. However, Capital Choice has the right, but not the obligation, to monitor any transmission made to and for this website. Capital Choice may use or disclose information gathered from the site.

Intended Audience

This site is published for some, but not all, of the residents of the United States of America.

Licensing

Capital Choice Financial Services, Inc., is a network of independent business men and women representing various life and health insurance companies.

In California: Capital Choice Financial and Insurance Services.

In Massachusetts: Capital Choice Financial Services Insurance Agency, Inc.

Not available to New York residents. Not available in all states. Offered by Dick Kinnard, agent, in: AL, AR, AZ, CA (#OC40072), CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA (#1744998), MD, ME, MI, MN (#IN20162192), MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX (#965397), UT, VA, VT, WA, WI, WV and WY.