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The information contained on this site is subject to modification and update without notice. Higger & Associates, LLC cannot guarantee or ensure the accuracy, completeness or authenticity of any site content, site functionality, or transmission of any site content from the site to you.

The site does not, and it is not intended to, provide any financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard. Higger & Associates, LLC's products and services are available only in jurisdictions where they may be lawfully offered for sale, and not all Higger & Associates, LLC products and services are available in all geographic regions. All Higger & Associates, LLC products and services shall be subject to the terms and conditions of any applicable agreements.

You agree that your use of the site shall be on an "as is" basis entirely at your risk. Neither Higger & Associates, LLC, nor any of its affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the site, including without limitation any direct, indirect, special, third party, or consequential damages. Without limiting the foregoing, Higger & Associates, LLC shall not be responsible for any detrimental reliance that you may place upon the site or its contents whatsoever.

The site shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you in direct consultation with a Higger & Associates, LLC representative.

You acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Higger & Associates, LLC shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Information provided by you through our Web site is used for Higger & Associates, LLC business purposes only in order to service your needs as a customer.