Copyrights and Trademarks 

Merkur®, Merkur Group(TM), Ensured Delivery®, WebDelivery(TM), Getting Business Information in Motion(SM), and associated logos are trademarks or registered trademarks of Merkur Group, Inc. All other trademarks or registered trademarks or service marks and company names are the property of their respective owners.

Copyright © 1997-2005 Merkur Group. All rights reserved. Created in USA.

Merkur Group hereby authorizes you to copy documents published by Merkur Group on the World Wide Web for non-commercial use within your organization only. In consideration of this authorization, you agree that any copy that you make of these documents shall retain all copyright and other proprietary notices contained herein.

Each individual document published by Merkur Group on the World Wide Web may contain other proprietary notices and copyright information relating to that individual document.

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent or trademark of Merkur Group or any third party. Except as expressly provided above nothing contained herein shall be construed as conferring any license or right under any Merkur Group copyright.

Note that any product, process, or technology in this document may be the subject of other intellectual property rights reserved by Merkur Group, and may not be licensed hereunder.

Photography, illustration, video, audio and text incorporated into Merkur Group online documents and publications are copyright protected by Merkur Group or other owners and/or representatives. Downloading, screen capturing or copying these items in any manner for any use other than personally viewing the original document in its entirety is prohibited by copyright law.

This publication is provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Any Merkur Group publication may include technical inaccuracies or typographical errors. Changes may be periodically made to these publications; these changes will be incorporated in new editions of these publications. Merkur Group may make improvements and/or changes in the products and/or the programs described in these publications at any time without notice.

Internet Privacy Policy

Merkur Group  respects the privacy of our web site visitors. We do use information you provide to better serve your needs. We also recognize that this information belongs to you and that we must treat it accordingly. The following statement spells out our privacy policy in more detail. The policy applies to merkur.com and other sites on the World Wide Web owned and operated by Merkur Group. If there are material changes to this policy in the future, information concerning any such change will be posted on this webpage.

Use of Personal and Non-Personal Information

We collect two kinds of information about our on-line visitors, personal and non-personal information. Visitors are not required to register to access the public pages of Merkur Group’s sites. Non-personal information is collected to track the total number of guests visiting our sites and to guide our efforts to improve our sites. The non-personal information we monitor includes the browser type and operating system being used by our visitors; areas of the sites visited; date and time of access; host or service-provider information, and identification of the referring site. This information is used exclusively for our internal purposes and is not disclosed to any non-affiliated third parties.

Personal information that can identify a visitor, such as name, address or policy information, is collected only when voluntarily offered and solely for purposes that are clearly identified on our sites. Access to pages with content specific to agents, brokers or customers is password-protected and requires pre-registration. Personal information acquired through registration is kept confidential and will not be disclosed to third parties except as may be required by law. Merkur Group does not seek personal information from children.

Use Of “Cookies”

Merkur Group may place an electronic "cookie" in the browser files of a guest's computer. Cookies are pieces of information that a web site transfers to an individual’s computer hard drive for record-keeping purposes. Cookies themselves do not enable us to access any personal information about our visitors; however, they do allow us to analyze guests’ use of our sites. This analysis helps us better understand which areas of our sites are most useful and popular so we can plan improvements and updates accordingly. We does not use cookies to retrieve information from a visitor’s computer that was not originally sent in a cookie.

Internet Communication

The privacy of communication over the Internet cannot be guaranteed, because the Internet is not a secure medium. Merkur Group does not assume any responsibility for any harm, loss, or damage you may experience or incur by the sending of personal or confidential information over the Internet by or to Merkur Group.

Consent

By using this site, you signify your consent to Merkur Group's on-line privacy policy. If you do not agree to this policy, please do not use this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time.