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Legal Notices and Disclaimers

Legal notices and disclaimers/terms and conditions

This section sets forth the conditions and terms under which The Surety & Fidelity Association of America (SFAA) provides the information contained on its website, as well as the terms and conditions governing your use of this site. By making use of our site, you agree to be bound by the terms and conditions we have outlined below. If you do not accept our terms and conditions, do not continue to use or access our site.

Copyright policy

You may cite or refer to the information in our site and make copies of our material for your own use. You must have our written permission to distribute printed copies of our material to others. To request such permission, send a message via e-mail to

Please include your name, address and telephone number, and a description of the intended extent, purpose and distribution of your copying.

Professional advice

The information contained on this site is distributed with the understanding that SFAA is not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, please seek the advice of a qualified professional in the relevant field.

Description of products

Several of our pages describe various insurance products. These products are provided by SFAA member companies and not the SFAA.

  • The availability of a specific product may differ from state to state.
  • The product descriptions are general in nature and the coverage offered under those policies are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, you should contact a specific agent or broker or SFAA member company.

Hypertext links

You may note that various of our pages provide hypertext links to other sites created by other organizations.

We provide you links to other sites as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites. Nor is our connection to those sites an endorsement or adoption of the view expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors.

If you would like to provide a hypertext link from your site, please request our permission before doing so. To request such permission, send a message via e-mail to

Please include in the message your name, address and telephone number, and a description of your site and the reason why you would like to establish a link to our site.


The SFAA specifically disclaims all warranties with respect to its web pages or your use thereof, express, implied, or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose. The SFAA shall not be liable for any damages resulting from the use or misuse of our site or the information contained in it.

Refund policy

All sales of SFAA publications are final. No refunds will be given.

Privacy policy

We are dedicated to protecting your right to privacy. Any information you give to The Surety & Fidelity Association of America will be handled with the greatest care, and will not be used in ways to which you have not consented. Any and all information collected at this site will be kept confidential and will not be sold, rented, loaned or otherwise disclosed without your permission. Browser information gathered on the website is used by The Surety & Fidelity Association of America to improve the design of the site, especially the usefulness and quick accessibility of materials posted on the site. Our website logs are not personally identifiable, and we make no attempt to link them with the individuals that actually browse the site.

We do not sell or share e-mail addresses or any other visitor information with third parties. E-mail addresses, which visitors volunteer in order to receive e-mail copies of bulletins and alerts are kept confidential.

Our membership list, without any contact information, is filed with public entities and available for purchase. We do not make any additional information about our members or subscribers available without their permission.

Enforceability of these provisions

Should any of our terms and conditions be held invalid, that invalid provision shall be construed:

  • Consistent with the applicable law, and
  • In a manner so as to remain consistent with the original intent of the SFAA

Provisions not otherwise held invalid shall remain in force.


Copyright 2016. The Surety & Fidelity Association of America. All Rights Reserved.

Please contact with questions or comments regarding this page.

1140 19th Street, NW, Suite 500 • Washington, DC 20036-6617
Phone: 202-463-0600 • Fax: 202-463-0606