Legal Notices and User Agreement For refer-md.com:

1.  This World Wide Web site with its home page in the domain "refer-md.com" (the "Web site") is a complimentary information service offered by Dr. Philip Smalley at no charge to users of the World Wide Web, with the express condition that these users agree to be bound by the terms and conditions set forth in this User Agreement. Dr. Smalley reserves the right to change these terms and conditions any time, and you must consult the most recent version of this User Agreement (not an older cached version) each time you view the Web site. Do no use the Web site if you do not agree to all of the following terms and conditions.

2.  You acknowledge that the information on the Web site is provided "as is" for general information only. The medical information provided in this site is for educational purposes only. It is not intended as medical advice, and should not be relied upon as a substitute for consultations with qualified health professionals who are familiar with your individual medical needs. The information provided is not a substitute for a professional medical opinion. If you have a medical problem, please contact your doctor.Dr. Philip Smalley makes no warranties of any kind regarding this Web site, including but not limited to any warranty of accuracy, completeness, currency, reliability, merchantability or fitness for a particular purpose, or any warranty that these pages, or the server that makes them available, are free of viruses or other harmful elements, and such warranties are expressly disclaimed.

3.  You agree that you will hold harmless Dr. Philip Smalley and RGA and its shareholders, officers, directors, and employees from all claims arising out of or related to your access or use of, or your inability to access or use, this Web site or the information contained in this Web site or other web sites to which it is linked, including but not limited to claims that you have found something you have heard, viewed or downloaded from this Web site or another web site to which it is linked to be obscene, offensive, defamatory, or infringing upon your intellectual property rights. In no event will Dr. Philip Smalley or the contributors of information to this Web site be liable to you or anyone else for any decision made or action taken by you in reliance on such information or for any consequential, special or similar damages, even if advised of the possibility of such damages.

4.  You acknowledge that opinions and recommendations contained in this Web site are not necessarily those of the Dr. Philip Smalley or endorsed by Dr. Philip Smalley.

5.  Dr. Philip Smalley may provide links on the Web site to other web sites which are not under the control of Dr. Philip Smalley. In general, any web site which has an address (or URL) which does not contain "refer-md.com" is such a web site. These links are provided for convenience of reference only and are not intended as an endorsement by Dr. Philip Smalley of the organization or individual operating the web site or a warranty of any type regarding the web site or the information on the web site.

6.  You may provide a hypertext link to this Web site on another web site, provided: (a) that the link must be a text-only link clearly marked "Dr. Philip Smalley’s Insurance Medicine Web Site," (b) the link must "point" to the URL "http://www.refer-md.com" and not to other pages within the Web site, (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with Dr. Philip Smalley’s name and trademarks, (d) the appearance, position and other aspects of the link may not create the false appearance that an entity other than Dr. Philip Smalley is associated with or sponsored by Dr. Philip Smalley, (e) the link, when activated by a user, must display this Web site full-screen and not with a "frame" on the linked web site, and (f) Dr. Philip Smalley reserves the right to revoke its consent to the link at any time in its sole discretion by amending this User Agreement. You agree that all other hypertext links to this Web site must be approved in writing by Dr. Philip Smalley.

7.  The works of authorship contained in this Web site, including but not limited to all design, text and images, are owned or licensed by Dr. Philip Smalley or RGA Reinsurance Group of America Inc., and may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored by subsequent use or otherwise used in whole or in part in any manner without Dr. Philip Smalley's prior written consent, except that the user may make such temporarily copies in a single computer's RAM and hard drive cache as are necessary to browse the Web site, and the user may make one permanent printout of each page of the Web site (unmodified in form, with a copy of this User Agreement attached) to be used by the user for personal and non-commercial uses which do not harm the reputation of Dr. Philip Smalley.

8.  This Web site (excluding linked sites) is controlled by Dr. Philip Smalley who is headquartered in Toronto, Ontario, Canada. It can be accessed from anywhere around the world. As each of these places has laws that may differ from those of Ontario, Canada, by accessing this Web site both you and Dr. Philip Smalley agree that the statutes and laws of Ontario, Canada, without regard to conflicts of laws principles thereof, will apply to all matters arising from or relating to use of this Web site. Dr. Philip Smalley makes no representation that materials on the Web site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this Web site from other locations do so on their own initiative and are responsible for compliance with local laws.

Please contact Dr. Philip Smalley should you find any link inactive. Also please inform Dr. Philip Smalley if you feel any information presented on this web site is inaccurate or incorrect. Dr. Philip Smalley is also willing to consider adding any link to this web site that you feel is relevant.