All information contained herein is obtained by Annuity Price Center (APC) from sources believed by APC to be accurate and reliable. Because of the possibility of human and mechanical error as well as other factors, neither APC (and its affiliates) nor the information providers are responsible for any errors or omissions. All information is provided "as is" without warranty of any kind. APC (its affiliates) and the information providers make no representations and disclaim all express, implied, and statutory warranties of any kind to user and/or any third party including warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose.

Unless due to willful tortious misconduct or gross negligence, APC (its affiliates) and the information providers have no liability in tort, contract, or otherwise (and as permitted by law, product liability), to user and/or any third party.

APC (its affiliates) and the information providers shall under no circumstance be liable to user, and/or any third party for any lost profits or lost opportunity, indirect, special, consequential, incidental, or punitive damages whatsoever, even if APC has been advised of the possibility of such damages.

Some U.S. states and foreign countries provide rights in addition to those above or do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you or there may be state provisions which supersede the above. Any clause of the Disclaimer declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder. The terms of the Disclaimer may only be amended in a writing signed by APC and are governed by the laws of the State of Michigan.