Terms of Use

This Web site is provided by IHC Risk Solutions and may be used for informational purposes only. By using the site or downloading materials from the site, you agree to abide by the terms and conditions set forth in this notice. If you do not agree to abide by these terms and conditions do not use the site or download materials from the site.

IHC Risk Solutions authorizes you to view and download the information ("Materials") at this Web site ("Site") only for your personal, on-commercial use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the Materials. Except as expressly provided herein, IHC Risk Solutions does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information. Subject to the terms and conditions set forth in this Agreement, IHC Risk Solutions grants you a nonexclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the site in any way.

THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. IHC RISK SOLUTIONS DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. IHC RISK SOLUTIONS RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. IHC RISK SOLUTIONS MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE INFORMATION AND MATERIALS ON THE SITE, AND THE SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

IHC Risk Solutions does not want you to, and you should not, send any confidential or proprietary information to IHC Risk Solutions via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to IHC Risk Solutions will not be considered confidential or proprietary. By providing any such information or materials to IHC Risk Solutions, you grant to IHC Risk Solutions an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform,transmit and distribute such information and materials, and you further agree that IHC Risk Solutions is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to IHC Risk Solutions. You further recognize that IHC Risk Solutions does not want you to, and you warrant that you shall not, provide any information or materials to IHC Risk Solutions that is defamatory, threatening,obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

As a convenience to you, IHC Risk Solutions may provide on this Site links to Websites operated by other entities. If you use these sites, you may leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. IHC Risk Solutions makes no warranty or representation regarding, and does not endorse, any linked Websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that IHC Risk Solutions or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of IHC Risk Solutions or any of its affiliates or subsidiaries.