Welcome
to Innovative Risk Solutions. We maintain this Web site as a service
to our customers. By using our site, you are agreeing to comply with
and be bound by the following terms of use. Please review the
following terms carefully. They do not alter in any way the terms or
conditions of any other agreement you may have with Innovative Risk Solutions
for other services purchased or otherwise obtained from us. Innovative Risk Solutions
reserves the right to change or modify any of the terms and
conditions contained in the Site Terms or any policy or guideline of
the Site, at any time and in its sole discretion. Any changes or
modification will be effective upon posting of the revisions on the
Site. Your continued use of this Site following the posting of its
changes or modifications will constitute your acceptance of such
changes or modifications.
BY
ACCESSING, BROWSING, SEARCHING, DOWNLOADING, USING, TRANSACTING
BUSINESS ON-LINE, OR PURCHASING FROM THE SITE, YOU AGREE TO BE BOUND
BY THE TERMS AND CONDITIONS DESCRIBED BELOW AND ALL POLICIES AND
GUIDELINES THAT MAY BE INCORPORATED BY REFERENCE. IF YOU DO NOT
AGREE TO THESE SITE TERMS OR ANY SUBSEQUENT MODIFICATION, DO NOT
ACCESS, SEARCH, DOWNLOAD FROM, BROWSE, TRANSACT BUSINESS ON-LINE OR
OTHERWISE USE THIS SITE.
1.
Copyright. The content, organization, graphics, design,
compilation, database information, selection, coordination, and
arrangement of the database, magnetic translation, digital
conversion and other matters related to the Site are protected under
applicable copyrights, service marks and other proprietary
(including but not limited to intellectual property) rights. The
copying, redistribution, use or publication by you of any such
matters or any part of the Site, except as allowed by Section 3, is
strictly prohibited. You do not acquire ownership rights to any
content, document or other materials viewed through the Site. The
posting of information or materials on the Site does not constitute
a waiver of any right in such information and materials.
2.
Service marks. "Innovative Risk Solutions" and our
logo are a service marks of Innovative Risk Solutions. Other service
and company names mentioned on the Site may be service marks of
their respective owners.
3.
Limited Right to Use. The viewing, printing or downloading of
any content, graphic, form or document from the Site grants you only
a limited, nonexclusive license for use solely by you for your own
personal use and not for republication, distribution, assignment,
sublicense, sale, preparation of derivative works or other use. No
part of any content, form or document may be reproduced in any form
or incorporated into any information retrieval system, electronic or
mechanical, other than for your personal use (but not for resale or
redistribution). You may not use or utilize framing techniques to
enclose any service mark, logo or other proprietary
information (including the images found at this Site, the content of
any text or the layout/design of any page or form contained on a
page) without express written consent. Further, you may not use any
meta tags or other "hidden text" utilizing the Innovative Risk Solutions
name or service mark without written consent. Any unauthorized use
of this Site will terminate the permission or license granted by
these Site Terms and may violate applicable law including copyright
laws, trademark laws, and communications regulations and statutes.
4.
Editing, Deleting and Modification. We reserve the right in
our sole discretion to edit or delete any documents, information or
other content appearing on the Site.
5.
Indemnification. You agree to indemnify, defend and hold us
and our principals, attorneys, staff and affiliates (collectively,
"Affiliated Parties") harmless from any liability, loss,
claim and expense, including reasonable attorneys' fees, related to
your violation of these Site Terms or misuse of the Site.
6.
Disclaimer and Limits. THE INFORMATION FROM OR THROUGH THE
SITE IS PROVIDED "AS IS," "AS AVAILABLE," AND
ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING, BUT
NOT LIMITED TO, THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF
TITLE, AND WARRANTY OF NON-INFRINGEMENT). THE INFORMATION AND
SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS, OMISSIONS, INACCURACIES
OR OTHER LIMITATIONS. WE AND OUR AFFILIATED PARTIES HAVE NO
LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR SERVICE. IN
PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WE AND OUR AFFILIATED
PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS
OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF
CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT
LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL
ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THIS SITE
AND THE INFORMATION WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU
FROM US THROUGH THE SITE SHALL CREATE ANY WARRANTY, REPRESENTATION
OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT.
ALL
RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES
CONTAINED WITHIN THE ELECTRONIC FILE CONTAINING THE FORM OR DOCUMENT
IS DISCLAIMED. WE WILL NOT BE LIABLE TO YOU FOR ANY INCIDENTAL,
SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND THAT MAY RESULT FROM
USE OF OR INABILITY TO USE OUR SITE. OUR MAXIMUM LIABILITY TO YOU
UNDER ALL CIRCUMSTANCES WILL BE EQUAL TO THE PURCHASE PRICE YOU PAY
FOR ANY SERVICES OR INFORMATION.
Innovative Risk Solutions
RESERVES THE RIGHT TO CHANGE ANY AND ALL CONTENT CONTAINED ON THIS
SITE AT ANY TIME WITHOUT NOTICE. REFERENCE TO ANY SERVICES,
PROCESSES, OR OTHER INFORMATION, BY TRADE NAME, SERVICE MARK, NAME
OF MERCHANT OR BROKER, OR OTHERWISE, DOES NOT CONSTITUTE OR IMPLY
ENDORSEMENT, SPONSORSHIP OR RECOMMENDATION THEREOF BY Innovative Risk Solutions.
7.
Miscellaneous. This Agreement shall be treated as though it
were executed and performed in the United States, and shall be
governed by and construed in accordance with the laws of the United
States (without regard to conflict of law principles). Any cause of
action by you with respect to the Site (and/or any information or
services related thereto) must be instituted within one (1) year
after the cause of action arose or be forever waived and barred. The
language in this Agreement shall be interpreted as in accordance
with its fair meaning and not strictly for or against either party.
All legal proceedings arising out of or in connection with this
Agreement shall be brought solely in the courts located in the
United States. You expressly submit to the exclusive jurisdiction of
said courts and consent to extraterritorial service of process.
Should any part of this Agreement be held invalid or unenforceable,
that portion shall be construed consistent with applicable law and
the remaining portions shall remain in full force and effect. To the
extent that anything in or associated with the Site is in conflict
or inconsistent with this Agreement, this Agreement shall take
precedence. Our failure to enforce any provision of this Agreement
shall not be deemed a waiver of such provision nor of the right to
enforce such provision.
