terms of use

These Terms of Use describe the conditions under which American Physicians Service Group, Inc. (APS) has provided the information on this website. By using this website you are agreeing to be bound by these terms and conditions. If you do not accept these terms and conditions, do not continue to use or access this APS website.

Accuracy of Information

APS does not warrant the accuracy, completeness or reliability of any statement or other information displayed or distributed through this website or any linked website. Any reliance you place on any such information is at your own risk.

Products and Services

Information contained on this website concerning our products or services, or those of our subsidiaries, is provided so that you can learn about our products and services in a general sense. None of the information contained in this website should be viewed as an offer to sell, or as a solicitation to purchase, any of our products or services or any of the products or services of our subsidiaries.

Ownership Rights

This website and any material or content available on or through this website are the property of APS. This website is protected by United States and international copyright and trademark laws and the contents of this website may not be copied, distributed, modified, reproduced, published or used without the prior written consent of APS. However, you may download content from this website to your computer for your own use only. You may not reproduce this website or any content from this website in any form or incorporate it into any information retrieval system other than for your own use, but in no event for resale or redistribution. Furthermore, you may not link to this website or any content hereon without our express written consent.

Website Links

APS may provide links on this website to other websites that are operated by other entities. APS does not endorse any products or services that can be accessed through any links on this website. If you decide to access any of these other websites, you are doing so entirely at your own risk and it is your responsibility to guard against viruses, worms, malicious codes or other items of a destructive nature.

in no event will aps be liable to any party for any loss or direct, indirect, incidental, special or consequential damages caused by any other linked website

Content Changes; Limitation of Liability

APS may, in its sole discretion, change or modify any portion of this website, including these terms and conditions, at any time.

in no event shall aps or any of its subsidiaries, officers, directors or employees be liable to you for any direct, indirect, special, consequential or other damages, including, without limitation, any loss of profits, business interruption, loss of information, programs or other data, that are related to the use, or the inability to use, this website or any linked website or any of the content thereon. this limitation of liability shall apply even if aps has been expressly advised of the possibility of any such damages.

Governing Law

These Terms of Use are governed by the laws of the State of Texas, without giving affect to its conflict of laws provisions. This website is controlled by APS from Austin, Texas. APS makes no representation as to the propriety of the laws of any state, country or other jurisdiction as it relates to any use or content of this website. All users are solely responsible for compliance with all applicable laws and other legal requirements.

Cautionary Note Regarding Forward-Looking Statements

This website and the content thereon may contain forward-looking statements within the meaning of the Securities Act of 1933, the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995. Forward-looking statements are subject to risks and uncertainties. You can identify forward-looking statements by the use of words such as "may," "target," "should," "will," "could," "estimates," "predicts," "potential," "continue," "anticipates," "projects," "forecasts," "believes," "expects," "future," "intends," and similar expressions. Information concerning economic, market, competitive and management performance factors are among the risk considerations which may cause actual performance and results to differ materially from that suggested in the forward-looking statements. We encourage you not to rely on any forward-looking statements.

SEC Filings

APS has included certain of its filings with the Securities and Exchange Commission (the "SEC") on this website. These SEC filings are provided for information purposes only and are not intended for trading or investment purposes. APS does not guarantee the accuracy or completeness of any information displayed in the SEC filings on this website. APS will not be liable for any delays, errors or omissions in any information or data in any SEC filings, or for any actions taken in reliance on information obtained through this website including information from SEC filings. APS has no duty whatsoever to update any information set forth in its SEC filings. You are encouraged to obtain full and complete copies of our filings with the SEC and any information obtained through this website should be considered in connection with, and in the context of, APS's complete SEC filings. The SEC maintains an internet site that contains reports, proxy and information statements and other information about issuers that file electronically with the SEC. The address of the SEC's internet site is www.sec.gov.