Terms & conditions

By accessing this website you agree to the following terms of use.

The site and all content within the site are supplied 'as is'. While every effort has been made to ensure that the site is correct and up-to date, it is not guaranteed that the content is error free. This information can change at any time and without notice, and Spitzer will not be held liable for any inaccuracies or omissions.

Most of the information provided on this site is based on official plan documents. Any contract or agreement between the company and any employee or plan service provider will supersede any information on this site. In addition, some of the site may contain information that is only applicable to specific employee groups. Every effort has been made to identify employee group-specific content on the page, but in the event that any content on the site differs from the official plan documents, then the plan documents will take precedence.

This site collects anonymous information about its users for site optimization and research purposes. More information is in the privacy policy.

Spitzer reserves the right to change, update or remove this site at any time without any prior notice.

If you believe any of the information on this site to be incorrect, please contact us.

You acknowledge that this site contains copyrighted materials as well as trademarks and service marks that are owned by Gallagher, Spitzer, their related entities and affiliates, and third parties. Nothing contained on this site shall be construed as conferring any right to any copyright, trademark, or other proprietary interest of Gallagher, Spitzer, their related entities and affiliates, and any third party. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content available on or through the site other than as specifically permitted by this site. You agree not to infringe upon any copyright, trademark, or service mark. You also agree that you will not alter or remove any copyright, trademark, or any other notice from any authorized copy of the content on this site.