Please read all these provisions ("terms") carefully before using the Web site.
Using this Web site indicates your agreement and acceptance of these terms. If you do not accept these terms, do not use this Web site or download materials form this site.
For the purposes herein, New Richmond Insurance Agency, Inc. and its subsidiaries and affiliated companies are collectively referred to as "NRIA" The applicable Web site or sites are referred to herein as the "Site." Each Site is provided for your personal information and non-commercial use.
Please feef free to browse the Site; however, your access to and use of the Site is subject to the following Terms and all applicable laws:
- You shall use the Site for lawful purposes only.
- You shall not post or transmit through the Site any information or material which violates or infringes, in any way, the rights of others, or which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, harassing, or otherwise objectionable.
- Nor shall you post or tansmit through the Site any information or material which encourages conduct that would constitute a criminal offense, give rise to liability or otherwise violate any law or administrative ruling or guidelines, is in violation of these Terms, or without NRIA prior written approval, contain advertising or any solicitation with respect to products and services.
Any conduct by you that in NRIA opinion, restricts or inhibits any other user from using or enjoying the Site will not be permitted.
The Site contains information and material, including, but not limited to, text, software, photos, video, graphics and audio (collectively "Materials") which are derived in whole or in part from information and materials supplied by NRIA and other sources, and are protected by international copyright, trademark and other laws and the entire content of the Site is copyrighted as a collective work under United States Copyright Laws.
NRIA owns the copyright in overall selection, coordination, arrangement and enhancement of such content, and owns the rights in, or license to use, the individual componenets of such content.
Marterials may not be copied, reproduced, republished, modified, uploaded, posted, transmitted or distributed in any way or decompiled, reverse engineered or disassembled, including but not limited to the text, images, audio and/or video, as well as any software (including but not limited to any images or files incorporated in or generated by the software or data accompanying such software), except that you may download one copy of the Materials on any single computer for your personal , non-commercail use only, provided you keep intact all copyright, trademark and other proprietary notices and make no change in or deletion of author attribution.
The limited authorization is not a transfer of title in the Materials and by your use of the Site, you acknowledge that you do not acquire any license, ownership or other rights to the Materials.
Modification of the Materials or use of the Materials for any other purpose is a violation of NRIA or such other sources copyright, trademark and other proprietary rights and may violate other laws.
The use of any such Materials on any other Web site or networked computer or environment is prohibited without NRIA express written consent. If you breach any of these Terms, your authorization to us the Site automatically terminates and you must immediatly destroy any downloaded or printed Materials.
Disclaimer
The site and materials and related communications are provided "as is" without any representations or warranties, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness of particular purpose.
Some jurisdictons do not allow for the exclution of implied warranties, so the above exclusions of implied warranties may not be applicable under certain circumstances. Under these circumstances, all other exclusions remain in force.
NRIA does not warrant the accuracy, reliability or completeness of any information contained on this site. Nor does it warrant or represent that any information may be suitable for use in any circumstance or application. By using this site you acknowledge that any reliance on any such materials, advice, statement or information shall be at your sole risk.
NRIA assumes no responsibility and shall not be liable for any damages of any nature caused by the use of this site. This experss disclaimer includes damages caused by viruses, worms, trojans or any other property of yours or others, as a result of your access to, use of, or browsing in this site.
Third-Party Sites
NRIA my provide as a convenience to you, links to Web sites operated by other entites and persons, but makes no representations whatsoever about any other Web site which you may access through this one. Any link to a non-NRIA Web site does not mean that NRIA endorses or accepts any responsibility for the content, or the use of such Web site.
If you use these sites, you do so at your own risk. NRIA make no warranty or representation regarding, and does not sponsor or endorse any linked Web sites or information appearing thereon or nay of products and services described thereon.
Furtheromore, links do not imply that NRIA is affiliated or associated with, or that any linked site is authorized to use any trademark, trade name, logo, or copyright of NRIA.
Third Party Content
Any opinions, statements, services, offers or other information or content expressed or made available in the Site by any third party are those of the respective author(s) or distributor(s) and not of NRIA.
Limitation of Liability
Your use and browsing of the Site is at your own risk. If you are dissatisfied with any of the Materials contained in the Site, or with any of these Terms, your sole and exclusive remedy is to discontinue accessing and using the Site.
Under no circumstances will NRIA its suppliers or other third parties mentioned at, or involved in creating, producing, or delivering the site liable for any direct, incidental, consequential, indirect, special or punitive damages whatsoever (including without limitation, costs and expenses of any type incurred, lost profits, lost data or programs, and business interruption) arising out of your access to, use, inability to use or the results of use of the site any Web sites linked to the site, or any materials contained at any or all such sites (including but not limited to those caused by or resulting from a failure of performance; error; omission; linking to othe Web sites; interruption; deletion; defect; delay in operation or transmission; computer virus; communication line failure; or destruction, unauthorizied access to, alteration of, or use of any computer or system) whether based on warranty, contract, tort, negligence, strict liability, or any other legal theory and whether or not NRIA was advised of the possibility of such damages.
NRIA shall have no liability or responsibilty for any acts, omissions, or conduct of any user or third party.
NRIA's obligations and responsiibilties regarding its products and services are governed solely by NRIA's terms and conditions of sale or license under which such products and services are sold or licensed.
Copies of such terms and conditions are available from the applicable NRIA entity.
Safe Harbor
The Materialsat the Site may contain various forward-looking statements and which may be bssed on or include assumptions concerning NRIA operations, future results and prospects. These forward-looking statements are based on current expectations and are subject to risk and uncertainties.
In connection with the "safe harbour" provisions of the United States' Private Securities Litigation Reform Act of 1995, NRIA provides the following cautionary statement identifying important economic, political and technology factors wihich, among others, could cause the actual results or events to differ materially from those set forth or implied by the forward-looking statements and related assumptions.
Such factors include the following:
(1) changes in the current and future business environmnet, including rates and capital and consumer spending;
(2) competitive factors and competitor responses to NRIA initiativees;
(3) successful development and market introductions of anticipated products;
(4) changes in governments and business conditions in emerging economies;
(5) unstable governments and business conditions in emerging economies;
(6) continuation of the favorable environment to make acquisitions, domestic and foreign, including regulatory requirements and market of candidates.
Information Provided By You
By submitting information and material to the Site, you automatically grant to NRIA (or warrant that the owner of such information and material has experessly granted NRIA) a royalty-free, perpetual, irrevocable, unrestricted right to license to use, reporduce, display, perform, modify, adapt, publish, translate, transmit and distribute, or otherwise make available to other such information and material (in whole or in part and for any purpose) worldwide and/or to incorporate it in other works in any form, media, or technology now known or hereafter developed.
As further provide above NRIA does not want to receive, and you are not deemed to covenant and agree through the use of the Site not to provide, any information or materials to NRIA that are defamatory, threatening, obscene, harassing, in violation of any law, governmental requirements or otherwise unlawful, or that incorporate the proprietary information or materials of another person or entity.
You shall not upload, post or othewise make available on the Site any information and mterial protected by copyright, trademark or other proprietary right without the express written permission of the owner of such right(s).
You shall be solely liable for any damages resultinf from and infringement copyright, porprietary rights, or any other harm resulting from such a submission.
Changes
NRIA reserves the right, in its sole discretion, to revise the Terms at any time and correct any errors or omissions in any portion of the Site and Materials. Materials may also be changed, modified, added, or removed and updated without motice at any time; however NRIA is under no obligation to update Materials.
NRIA may also make changes in the products, services, programs, or prices (if any) described in the Site at any time without notice. Your continued use of the Site after any change NRIA makes to the Site will be considered acceptance of those changes.
You should revisit these Terms form time to time to review the then-current Terms because they are binding on you.
Linking to Site
Anyone linking to NRIA Site must comply with NRIA'a guidelines for linking to NRIA's Site and all applicable laws.
International Users
The Site is administered by NRIA from its offices in the United States. Materials published at the Site may refer to products, programs, or services that are not available in your country. Consult your local business contact in this regard.
Futhermore NRIA makes no representation that the Materials at the Site are appropriate or available for use at other locations outside of the United States and access to them from territories where contents are illegal is prohibited.
You may not use the Site or export information and materials in violation of the export laws fo the United States or any other country. If you access the Site from a location outside the Untied States, you are responsible for compliance with all applicable laws.
Governing Law
These Terms shall be governed by the laws of the State without giving effect to any principles of conflicts of law. If any provision of this Agreement and Terms shall be unlawful, void, or for any reason unenforceable then that provision shall be severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.
These Terms constitute the entire agreement between NRIA and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within six (6) months after the claim or cause of action arises.
Copyright 2009. All rights reserved. Reproduction in whole or in part in any form or medium without the express written permission of NRIA is prohibited and the respective logos are the trademarks of NRIA.
