This Site is created and controlled by Key Retirement Solutions in the State of New York, USA.

We reserve the right, at any time, to change the rules that govern your use of our Site. Your use of our Site following any such change constitutes your agreement to follow and be bound by such changes. 

Copyright
Unless otherwise noted, all materials that are a part of this Site, including text, images and designs are copyrights, trademarks, service marks, trade names, trade dress and/or other intellectual properties owned, controlled or licensed by Key Retirement Solutions ("KEY"). 

We grant you the limited right to download or copy portions of this Site for your personal use only. Any other use of the materials on this Site, including the reproduction (except as otherwise permitted above), publication, sale, transmission or modification of, or the creation of derivative works from, all or any portion of the materials on this Site is STRICTLY PROHIBITED. 

Disclaimer
THIS SITE AND ALL INFORMATION AND MATERIALS THAT ARE A PART OF THIS SITE ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, KEY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THIS SITE AND ALL INFORMATION AND MATERIALS CONSTITUTING A PART OF THIS SITE, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, KEY REPRESENTS OR WARRANTS THAT THE INFORMATION ACCESSIBLE BY THIS SITE IS ACCURATE, COMPLETE OR CURRENT. 

Limitation on Liability
IN NO EVENT SHALL KEY BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER, EVEN IF KEY HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER, IN AN ACTION UNDER CONTRACT, NEGLIGENCE OR ANY OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THE USE, INABILITY TO USE, OR PERFORMANCE OF THE INFORMATION, SERVICES, PRODUCTS, AND MATERIALS AVAILABLE FROM THIS SITE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK, AND THAT KEY SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF THIS SITE. 

External Sites
To the extent that this Site contains links to other sites on the Internet that are owned and operated by third parties, KEY is not responsible for the availability and content of such links or other sites. Any concerns regarding the availability of or the content of such links or other sites, should be directed to the particular outside service or resource. 

Miscellaneous
The laws of the State of New York will govern these disclaimers, terms and conditions, without giving affect to any principles of conflicts of laws. Any dispute arising hereunder shall be resolved exclusively by the state and federal courts of the State of New York, County of Wayne and/or the Western District of New York.