The www.riskreg.com website and all of its content (collectively, the “website” or “site”) is provided by Risk & Regulatory Consulting, LLC and/or affiliates thereof (collectively, “RRC,” “we,” “us” or “our”) and is subject to the terms set forth herein.  If you visit our site, you agree to be bound by these Terms of Use.

RRC reserves the right to make changes at any time to these Terms of Use.  Any modifications to these Terms of Use will be effective upon posting. Your continued use of the site following posting of any revised Terms of Use will constitute acceptance of the modified Terms of Use.

All content contained on this website, including, but not limited to, works of authorship, software, design, text, graphics, photos, logos, button icons, audio clips, digital downloads, images and data compilations; any improvements or modifications to such content; any derivative works based thereon; and the collection, arrangement and assembly of all content on this site, are the property of RRC and are protected by United States and international copyright and other intellectual property laws.

Nothing in these Terms of Use shall be deemed to grant to you or any other user of the site any license or right in or to any copyright, trademark, trade secret or other proprietary right RRC or any other person.

RRC authorizes you to view, print, and copy the materials on this website solely for your personal, noncommercial use, provided that no copyright, trademark and/or service mark notices or disclaimers therein are excluded, modified or obscured on any copy of all or a part of such content.

You agree you will not interfere, in any way, with others’ use of or access to the site and will not attempt to gain unauthorized access to the computer system of any other site user. You further agree not to take any other action in connection with your use of the site which violates any applicable local, state, national or international law, rule, regulation or order of any court.

You agree that you will not use any robot, spider or other automatic device, manual process or application or data mining or extraction tool to access, monitor, copy or use the site. You also agree not to take any other action that imposes an unreasonable or disproportionately large load on the site.

Except as expressly provided herein, you may not use, download, upload, reproduce, copy, duplicate, print, display, perform, republish, sell, license, post, broadcast, perform, transmit, disseminate, redeliver using “framing technology,” otherwise distribute, or commercially exploit in any way, the site or any portion thereof or any information or content on the site, without the prior written permission of RRC.

We grant you limited and revocable permission to create a hyperlink to the home page of this website so long as (i) the hyperlink or your linking website does not portray us or any of our products or services in a false, misleading, derogatory, or otherwise offensive matter; (ii) your linking website complies with all applicable laws and does not otherwise violate the rights of others; and (iii) your linking website has, maintains, and follows a privacy policy no less protective of user data than the privacy policy of our website. We may revoke this permission at any time, with or without cause, and we reserve the right to demand removal of any hyperlink to our website. You agree that you will immediately remove a hyperlink to our website at our demand or upon your failure to meet the above referenced conditions. You may not use any of our logos or other proprietary graphics or marks as part of the hyperlink or linking website without our express written permission. By providing you permission to hyperlink to our website, we are not granting you any rights in any of our logos or other proprietary graphics or marks beyond the permission to display the link to identify our website.

The terms of the RRC Privacy Notice are hereby incorporated as part of these Terms of Use.

This website and its contents contain general information, may be based on authorities that are subject to change, and is not a substitute for professional advice or services. This website and its contents do not constitute consulting, business, financial, investment, legal, or other professional advice, and you should consult a qualified professional advisor before taking any action based on the information herein. Neither RRC nor any related entities are responsible for any loss resulting from or relating to reliance on this website by any person.

This website may contain references to certain laws and regulations. The application and impact of laws can vary widely based on the specific facts or circumstances involved. Given the changing nature of laws, rules, and regulations (and the inherent hazards of electronic communication), there may be delays, omissions, or inaccuracies in information contained in this website. While we attempt to ensure that the information provided on this website is current and accurate, we are not responsible for any errors or omissions or for the results obtained from the use of this information.

THIS WEBSITE, INCLUDING ALL CONTENT HEREOF, IS PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE DO NOT REPRESENT OR WARRANT THAT ANY CONTENT ON THIS SITE IS AVAILABLE, ACCURATE, TIMELY OR COMPLETE, AND ARE NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS THEREIN OR ANY CONSEQUENCES RESULTING FROM YOUR RELIANCE ON SUCH CONTENT. FURTHER, WE MAKE NO REPRESENTATIONS OR WARRANTIES THAT THIS SITE WILL BE UNINTERRUPTED, SECURE OR FREE OF ERRORS OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS WEBSITE AND ITS CONTENT IS AT YOUR OWN RISK AND YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM SUCH USE.

TO THE EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL WE OR ANY OF OUR SERVICE PROVIDERS OR LICENSORS OR ANYONE ELSE INVOLVED IN CREATING, PRODUCING, DELIVERING, OR MANAGING THE CONTENT OR OPERATIONS OF THIS WEBSITE (COLLECTIVELY, THE “RRC PARTIES”) BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY CLAIMS WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL, GENERAL, EXEMPLARY, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS WEBSITE, OR INFORMATION AVAILABLE FROM THIS WEBSITE OR ANY INABILITY TO ACCESS OR USE THE SITE OR ANY OF ITS CONTENT, EVEN IF YOU ADVISE ANY RRC PARTY OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE.

CERTAIN STATE LAWS DO NOT PERMIT LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, AND THUS SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU.

Certain links in this website connect to other websites maintained by third parties over whom we have no control. We are not responsible for any of these other websites or for their content (including any products or services that may be offered through these websites), and our display of any link to such third party sites does not imply our endorsement of the linked site or any content thereof. We make no representations or warranties as to the accuracy of, or any other aspect relating to, other websites, or their privacy practices or policies. IN NO EVENT WILL WE OR OTHER RRC PARTIES BE LIABLE, DIRECTLY OR INDIRECTLY, TO ANYONE FOR ANY DAMAGES OR LOSSES ARISING FROM OR RELATING TO ANY USE OR RELIANCE ON ANY PRODUCTS, SERVICES, OR OTHER CONTENT RELATING TO ANY LINKED WEBSITE OR THE OWNER OR OPERATOR THEREOF.

You agree to indemnify and hold the RRC Parties harmless from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs and expenses of any nature whatsoever (including without limitation reasonable attorneys’ fees, disbursements and court costs) arising from or in connection with (i) your use of the site, include any content contained, displayed or available therein; (ii) your violation of these Terms of Use; and/or (iii) your violation of any rights of any third party.

At any time, without notice to you, and for any or no reason, RRC may modify or discontinue the site or any content thereof. RRC shall in no way be held liable for any consequence which results from RRC’s decision to modify or discontinue providing the site or any content thereof.

RRC may prohibit you from using or accessing the site, in whole or in part, for any or no reason, at any time, in its sole discretion, without notice to you.

The laws of the State of Connecticut will govern these Terms of Use, without giving effect to any principles of conflicts of laws. You agree that any action arising out of these Terms of Use or your use of the site shall be brought in state or federal court located in Connecticut, and you consent to the jurisdiction of such courts.

You may not assign or otherwise transfer these Terms of Use or any rights or obligations hereunder. RRC may assign these Terms of Use at any time, with or without notice to you. RRC’s failure to act on any breach of any provision hereof shall not be construed as a waiver of the enforcement of any provision unless RRC agrees to such waiver in writing.

If any portion of these Terms of Use is deemed unlawful, void or unenforceable, that portion will be deemed severable and will not affect the validity or enforceability of the remaining provisions. These Terms of Use set forth the entire understanding between you and RRC with respect to the subject matter hereof and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and RRC with respect to such subject matter.

RRC respects the intellectual property rights of others. If you believe that any content on this site may infringe your copyrights or other intellectual property rights, please provide RRC the written information specified below. Please note that this procedure is exclusively for notifying RRC that your intellectual property rights have been infringed.

• • An electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property interest;
  • A description of the intellectual property right that you claim has been infringed;
  • A description of where the material that you claim is infringing is located on the site;
  • Your address, telephone number, and e-mail address;
  • A statement by you that you have a good faith belief that the disputed use is not authorized by the intellectual property owner, its agent, or the law;
  • A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the intellectual property owner or authorized to act on the intellectual property owner’s behalf.

RRC’s agent for notice of claims of copyright infringement or other intellectual property infringement on the site can be reached as follows:

Intellectual Property Agent
Risk & Regulatory Consulting, LLC
200 South Wacker Drive
Chicago, Illinois 60606
Phone: (312) 207-1122

If at any point you provide us with the personal information of other individuals in the course of our provision of professional services to you, we are relying on you to have obtained – and to maintain – the requisite authority under applicable privacy laws for the disclosure of such personal information to us, and our subsequent collection, use and disclosure of such personal information, including obtaining appropriate consent from such individuals.