Privacy Policy

"Frates," as used in this website, refers to C.L. Frates Reinsurance Intermediary, Inc., which offices in Stamford, Connecticut.  The material on this website is provided for general information purposes and to permit you to learn more about our company and our services.  The information presented herein is subject to change without notice.

Communication of information through this website does not create or constitute a relationship with Frates as to any particular matter.  The best way for you to initiate a relationship with Frates is to call Albert P. Amato, Senior Vice President of Frates, at (203) 629-5600.  If you choose to contact Frates by e-mail, please do not give us any confidential information, because we cannot treat you as a client until we have specifically agreed to represent you.

The information presented on this website is provided "as is" without representation or warranty of any kind as to suitability, reliability, applicability, merchantability, fitness, non-infringement, result, outcome or any other matter.  We do not represent or warrant that the material herein is current, complete or invariably accurate, and any representation or warranty that might otherwise be implied is expressly disclaimed.

By using this website, you agree that we are not liable to you or others, in any way or for any damages of any kind or under any theory, arising from access to or use of or reliance on the information in this website, including but not limited to liability or damages under contract, tort theories or any damages caused by viruses contained within electronic files of this site or any linked site.  These disclaimers and limitations on liability apply regardless of any prior notice or objection by any person or entity to us relating to our website.

We may from time to time, directly or indirectly, provide link to or accept link from websites of other parties for convenience.  We do not control or maintain the material presented by other persons in their websites.  The inclusion of any link on our website does not imply any association or relationship between Frates and the linked site by Frates, or the endorsement, approval or sponsorship of Frates by the sponsor of the linked sites.  The links do not imply legal authority to use any protected rights of others reflected in the links.  We do not assume any responsibility for the content, accuracy or completeness of material presented directly or indirectly in linked sites.  If you use any of these links, you will leave our site.

If you visit our website, we may collect general information about the way in which you use our site to identify areas of interest in our company and to improve and refine our site.  Examples of the kind of information we may collect are the time and duration of visit, type of web browser used, the operating system/platform you are using, your IP address, the web sites from which you linked to us, your CPU speed or information, which may be obtained using "cookie" technology.