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General Disclaimer

The New York State Department of Financial Services (Department) takes reasonable measures to ensure that the data and information on this website is accurate and current. However, the Department makes no express or implied warranty regarding such information or data, and hereby expressly disclaims all legal liability and responsibility based on reliance on any information or data that is available through this website.  While every effort is made to provide useful information, the Department does not warrant this information to be authoritative, complete, factual, timely or accurate. The Department shall not be liable for any damages, including the loss of data resulting from delays, non-deliveries or service interruptions caused by negligence, errors or omissions.

The information available on this website is not intended to constitute and should not be considered legal advice, nor is it intended as a substitute for obtaining legal advice from competent, independent legal counsel in the relevant jurisdiction. Transmission and receipt of this information is not intended to create and does not create an attorney-client relationship. Any information or inquiries that the Department receives from a user over our information systems is not considered to be, nor will be treated as, confidential.

This website provides links to other websites for convenience and informational purposes only. The Department is not responsible for the content of external websites linked to or referenced on this website, and makes no endorsement of, nor makes any warranty, express or implied, regarding the content of these external websites. The Department does not endorse or warranty, and is not responsible for, the privacy and security practices of any other website, including those of any third party service providers to these sites.¬†Users should be aware that when they select a link on this website, they may be leaving the Department’s website.

The Department provides access to resources and other information on this website as a public service, on an "as is" and "as available" basis. The information is subject to change on a regular basis, without notice. Unless otherwise noted on an individual document, file, webpage or other website item, the Department grants users permission to reproduce and distribute all information available on this website for non-commercial purposes, as long as the contents remain unaltered and as long as it is noted that the contents have been made available by the Department.

The user’s access to and use of this website shall be governed by the laws of the State of New York.

The Department reserves the right to change its policies and rules at any time.

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