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Risk Avoidance, Retention, and Transfer Strategies

Terms and Conditions of Use


PLEASE READ THESE TERMS AND CONDITIONS OF USE (HEREINAFTER “TCU”) BEFORE USING THIS WEBSITE. By continuing to access or use this website in any manner, you signify your acceptance of these TCU. From time to time, we may modify these TCU. It is your responsibility to review the TCU and modifications of, additions to, and/or deletions from the TCU to ensure that you remain in acceptance of the TCU. If, after review of the TCU now or in the future, you do not accept the TCU in full without limitation, you should discontinue use of the website immediately.

Disclaimer

THE MATERIAL AND INFORMATION IN THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. EUSTIS RISK MANAGEMENT RESOURCES, LLC (HEREINAFTER “ERMR”) DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ERMR DOES NOT REPRESENT OR WARRANT THAT ANY OF THE INFORMATION PRESENTED ON ITS WEB PAGES, THIS WEBSITE OR ON THE INTERNET GENERALLY, WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER FROM WHICH IT IS ACCESSED ARE FREE FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.

In no event shall ERMR be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use this website and/or any material presented herein. It is the responsibility of the user of this website to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by ERMR is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use.

Intellectual Property

Unless otherwise noted, the graphic images, icons, layout, and text contained in this website and in other ERMR websites are the exclusive property of ERMR or used with permission and may not be copied or distributed, in whole or in part, without the express written consent of ERMR. Permission is granted to print copies of ERMR web pages, and to display and use these web pages with a computer solely for personal use.

Links to Other Websites

Some or all of the website links contained in this website herein are not under the control of ERMR. Accordingly, ERMR makes no representations whatsoever concerning the content of those websites. Unless otherwise stated herein, the fact that ERMR has provided a link to a website is not an endorsement, authorization, sponsorship or affiliation by ERMR with respect to such website, its owners or its providers. ERMR is providing these links only as a convenience to you. ERMR does not certify any information, software or products found on linked websites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and ERMR cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Data Protection

ERMR is committed to respecting the privacy of your personal information and considering current technology, has taken all reasonable measures to do so. ERMR is not obligated to monitor any transmission made through its web pages. However, ERMR has the right, but not the obligation, to monitor any transmission made to or received from this website. ERMR may reproduce, use, distribute or disclose information transmitted to this website or collected through the use of this website subject to applicable privacy statutes. You acknowledge that such information may be read or intercepted by others not affiliated with ERMR. You acknowledge that no obligation of any kind shall be attached to any transmission of such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and ERMR.

Software Quality

ERMR does not warrant that any information, software or other material accessible through ERMR web pages is free of viruses, worms, Trojan horses or other harmful component. ERMR assumes no responsibility and shall not be liable for any, direct, indirect, incidental or consequential damages that result from the use, access to, browsing in or downloading of the any information, data, text, images or other material accessible through ERMR web pages, this website or the website of any linked third parties.

Software Types

ERMR reserves the right to block transmission or receipt of certain file types to maintain the integrity and security of our computer systems.

Blocked Emails

ERMR reserves the right to block receipt of emails from certain domains including all top level domains other than .com, .edu, .gov, .int, .mil, .net, .org, .biz, .info, and .pro, and from free email domains such as aol.com, hotmail.com, yahoo.com, gmail.com or other similar domains. To ensure receipt of an email by ERMR personnel from a free email domain, please send a fax to 504.754.7800 providing your name, company affiliation, telephone number, and free email domain email address and request that the email address provided be added to our "Allow" exception list.

Adding, Changing or Deleting Insurance Coverage

Unless you are replying to an email or other written correspondence which specifically requests that you reply by email to signify your acceptance of an offer to add, change or delete insurance coverage, any email request to add, change or delete insurance coverage will be considered invalid and non- binding. All otherwise valid emailed responses to an offer to add, change or delete insurance coverage must be sent with a "Read" receipt requested by the sender to ensure that such request has been received by specific ERMR personnel in our offices. In no event shall ERMR be liable for any loss, cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the non- receipt of a) an otherwise valid email response that was sent without a "Read" receipt requested, or, b) an otherwise valid email response for which the sender of the request has not received a "Read" receipt from specific ERMR personnel in our offices.

User Conduct

When accessing or making use of any service provided on ERMR web pages you may not:

A. Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law.

B. Post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component; restrict or inhibit any other user from using the website.

Update Of Information

This page is updated and modified from time to time. You should check this page every time you access ERMR web pages to ensure your continued acceptance of the TCU.

Revised July 2007

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