Use of Site

Risk Theory Dealer Advisors, LLC (“RTDA”), which includes by definition throughout this notice all affiliates businesses and subsidiaries, requires that each viewer or user (a “User”) to this Internet Web site on the World Wide Web (the “Site”) adhere to the following Terms of Use (“Terms of Use”). Please read these Terms of Use carefully before using this Site. The Terms of Use set forth the terms on which you may use this Site, and the information and materials contained therein (the “Contents”). By accessing this Site, each User acknowledges that User has read, understands and accepts each of the Terms of Use. Each User is bound by any revisions to these Terms of Use and should visit this page at each visit to review the current Terms of Use. If the User does not agree to all of these Terms of Use, User should not use this Site or Contents in any manner, and User should immediately discontinue any use of this Site or the Contents.

Terms of Use

Informational Purposes Only

The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product, security or service. No information in this Site should be relied on in making any legal, professional, or other risk management decision. It is provided solely for general informational purposes.

Insurance contracts are issued and underwritten and products are provided by subsidiaries of RTDA. Products and services may not be available in all jurisdictions. The financial obligations of individual products or polices are the sole responsibility of the underwriting company or the RTDA subsidiary providing the product or service. RTDA is not legally responsible for the product/policy obligations.

No Warranty

RTDA does not warrant the accuracy, completeness, or usefulness of the information, text, graphics, links or other content contained on this Site or any other server. RTDA makes no representation concerning the suitability of this documentation for any purpose. It is provided “as is” without express or implied warranty, including but not limited to warranties of performance, merchantability and fitness of a particular purpose, title, non-infringement, security and accuracy. RTDA is not responsible for any errors or omissions, or for the results obtained from the use of information in this Site. This Site may contain hyperlinks to Web sites operated by parties other than RTDA and its subsidiaries. Such hyperlinks are provided solely as a matter of convenience. RTDA does not control such Web sites and is not responsible for the content. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by RTDA of the material on such Web sites or any association with their operators.

Limitation of Liability

RTDA shall have the right at any time to modify or discontinue any aspect of this Site or any part of the Contents. RTDA has no obligation to update information on this Site, so such information may be out of date at any given time. RTDA also may make improvements or changes in products or content described on this Site at any time without notice. User agrees to monitor these Terms of Use, and to cease all access of this Site if User no longer agrees to abide by the Terms of Use. User’s continued use of this Site shall constitute acceptance of such modification.

RTDA will not be responsible for any damages or injuries that accompany or result from any use of this Site. RTDA specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if RTDA has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User’s computer equipment. Under no circumstances will RTDA be liable for any loss or damage caused by a User’s reliance on information obtained through this Site. It is the sole responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability

RTDA makes no representation as to the financial or other suitability of any product or service described on this Site for any User.

Copyright and Trademarks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, broadcasting, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of RTDA or its subsidiaries or affiliates (collectively “RTDA”). Users are prohibited from using any Mark for any purpose without the express written permission of RTDA.  RTDA is a registered trademark.

Ownership

The design, text and images of this Site are owned, controlled or licensed by RTDA or its subsidiaries or affiliates. RTDA and/or its licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by RTDA or any of its licensors of any rights in such material and does not transfer any rights to any User of this Site.

Linking

The User may leave this Site and access other sites on the World Wide Web that RTDA does not maintain. RTDA is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. RTDA makes no representations as to the safety, reliability, accuracy or any other aspect of information contained in linked sites. Access to any such other site linked to this Site is at the User’s own risk. Such links are provided solely as a matter of convenience and do not imply any endorsement, approval or certification by RTDA of the material on such sites.

Privacy

For our privacy policies, please refer to the RTDA Privacy Policy. 

Laws and Regulations

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution or subject to other available legal remedies.

Termination and Blocking

RTDA reserves the right to terminate and/or block a User’s use or a User’s access to this Site for any reason without prior notice to the User.

Forward Statements

This Site may include “forward-looking statements” that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and RTDA cannot give assurance that such statements will prove to be correct.

Changes to Terms of Use

RTDA reserves the right to revise these Terms of Use at any time and Users are deemed to be apprised of and bound by any changes to these Terms of Use each time a User visits this Site.

Violations of Terms of Use

RTDA reserves the right to seek any remedy available at law or in equity for any violation of these Terms of Use, including, but not limited to, the right to block or terminate access from a particular Internet address to this Site.

The RTDA brand mark is a service mark of RTDA. This Site contains copyrighted material, trademarks and service marks, and other proprietary information, including but not limited to text, software, and graphics, which materials are owned by RTDA. RTDA reserve all rights in the Contents. User agrees not to reproduce, distribute, sell, broadcast, publish, retransmit, disseminate, circulate or commercially exploit this Site or the Contents without the express written consent of RTDA.