Terms of Use

Insurance Planners and Advisors Group, Inc. 

This site is provided by Insurance Planners & Advisors Group, Inc. also referred to as Insurance Planners, IPA Group or IPA Group, Inc. Please be advised that use of this website constitutes your agreement to follow and be bound by these Terms and Conditions. IPA Group reserves the right to update or modify these Terms and Conditions at any time without prior notice, therefore please view them with regular use of the site. 

Copyrights and Trademarks 

All images and written material contained within this site are used with permission or are copyright of IPA Group and are considered intellectual property which is protected by U.S. and international copyright laws. Viewing this website does not confer upon anyone any license to these intellectual property rights. Intellectual property contained in this site cannot be copied, distributed or republished electronically without the consent of IPA Group. 


Hyperlinks on this website to any other site, firm or company are created for the sole convenience of users and does not constitute endorsement, sponsorship or recommendation of the third party. IPA Group is not responsible for any content or accuracy of information on any third party site which is linked to or from this site. View third party sites at your own risk. 


This website is designed to help those who currently or could potentially do business with IPA Group or any of our clients or related firms. Contents and information on this site may be downloaded or printed for business or personal use. Users may not copy, publish, distribute, modify, sell or exploit any of the content in this Site or any such related software. 

Users are prohibited from any attempt to violate the security of this site. This includes, but not limited to, accessing data not intended for public or unauthorized viewing, logging onto accounts which the user is not authorized to use, trying to probe, scan, or test any vulnerabilities in the system, breach any secured data, transmitting third party code or software to this site, transmit viruses, trojans, or any other unwanted code or software. Spamming, overloading, mailbombing, crashing, flooding, or any other type of attempt to interfere with the service of this site is strictly prohibited. Using this website or URL for any unsolicited email is not allowed. Forging any packets or packet headers in any email or other posting is not allowed. Violation of this system, website, or network may result in any or all applicable criminal prosecution or civil liability suits. IPA Group will investigate or cooperate with any law enforcement agency to eliminate any occurrences or security violations. Users hereby agree not to use or attempt to use any software, tool, or any other electronic mechanism to compromise the security of this site. 


Comments, questions, feedback and suggestions are welcome. Any type of these, collectively called comments, shall not hold IPA Group to any obligation to keep comments in confidence, pay any compensation for comments, or respond to any comments. Users hereby agree that any comments submitted to IPA Group will not contain any libelous, abusive, malicious content or contain any content that may violate this agreement or the property rights of any third party. 


IPA Group can terminate or change this agreement at any time without notice. Users may terminate this agreement by ceasing all further use of this site. Users must also eliminate all downloaded content obtained from this site as well. 

Limitation of Liability 

No circumstance or legal theory, tort, contract or otherwise will IPA Group or it’s affiliates, employees, or officers be liable to any user or party for any loss due to any inaccuracies published on this site or by the inability to use or access this site, including the loss of profits, data, or hardware malfunction even if an affiliate or employee of IPA Group is advised of such or should have known of possible hazards. This site is provided on an ‘as is and as available’ basis. Should this site become inaccessible, IPA group holds no warranty to the operation, information, content or software provided by this site. Users hereby agree to use this site at their own risk. 

Please contact us if you have questions or comments. 

Insurance Planners & Advisors Group, Inc. 2004-2009