Risk Integrated provides its content to you on this Web site, subject to the following
terms and conditions.

1. Copyrights. All content and functionality on the Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, is the exclusive property of Risk Integrated or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

2. Trademarks. The trademarks, service marks, trade names, designs, and logos (collectively, the "Trademarks") displayed on the Site are the registered and unregistered Trademarks of
Risk Integrated and its licensors. You agree that you will not refer to or attribute any information to Risk Integrated in any public medium (e.g., press release, Web sites), for advertising or promotion purposes, or for the purpose of informing or influencing any third party and that you will not use or reproduce any Trademark of or imply any endorsement by or relationship with
Risk Integrated.

3. Use of Site Content. Risk Integrated hereby grants you a non-exclusive, non-transferable license to access and download, display, and print one copy of the content and functionality displayed on the Site (the "Site Content") solely for your internal, business use, provided that you do not modify the Site Content in any way and that you retain all copyright and other proprietary notices displayed on the Site Content. You may not otherwise reproduce, modify, distribute, transmit, post, or disclose the Site Content without Risk Integrated's prior written consent.

4. User Postings. You acknowledge and agree that Risk Integrated shall own and have the unrestricted right to use, publish, and otherwise exploit any and all information that you post or otherwise publish on the Site in postings, survey responses, and otherwise, and you hereby waive any claims against Risk Integrated for any alleged or actual infringements of any rights of privacy or publicity, moral rights, or rights of attribution in connection with Risk Integrated's use and publication of such submissions. You covenant that you shall not post or otherwise publish on the Site any materials that (a) are threatening, libelous, defamatory, or obscene; (b) would constitute, or that encourage conduct that would constitute, a criminal offense, give rise to civil liability, or otherwise violate law; (c) infringe the intellectual property, privacy, or other rights of any third parties; (d) contain a computer virus or other destructive element; (e) contain advertising; or (f) constitute or contain false or misleading statements. Risk Integrated does not and cannot review all information posted to the Site by users and is not responsible for such information. However, Risk Integrated reserves the right to refuse to post or and the right to remove any information, in whole or in part, for any reason or for no reason.

5. Disclaimers. ALL CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. RISK INTEGRATED AND ITS THIRD-PARTY CONTENT PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT. RISK INTEGRATED SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY INFORMATION PUBLISHED ON LINKED WEB SITES, CONTAINED IN ANY USER SUBMISSIONS PUBLISHED ON THE SITE, OR PROVIDED BY THIRD PARTIES. NEITHER RISK INTEGRATED NOR ITS THIRD-PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR FOR LOST REVENUES OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY. RISK INTEGRATED MAY CHANGE, SUSPEND, OR DISCONTINUE ANY ASPECT OF THE SITE AND/OR RESTRICT YOUR ACCESS TO CERTAIN FEATURES OF THE SITE AT ANY TIME AND FOR ANY REASON WITHOUT NOTICE OR LIABILITY.

6. Third-Party Web Sites. We may provide links to third-party Web sites, and some of the content appearing to be on this Site is supplied by third parties, for example, in instances of framing of third-party Web sites or incorporation through framesets of content supplied by third-party servers. Risk Integrated has no responsibility for these third-party Web sites, which are governed by the terms of use and privacy policies, if any, of the applicable third-party content providers.

7. Privacy. Risk Integrated respects your privacy and will not sell any of your personal data, such as your name, email address, or phone number, without your consent. Please also be aware that we cannot control and are not responsible for the use or disclosure by other Site users of information that you make available in your submissions to the Site or for the privacy practices of third-party Web sites linked to the Site.

8. Governing Law; Jurisdiction. These Terms are governed by the laws of the State of New York without reference to the principles of conflicts of laws thereof. Any dispute arising from these Terms shall be resolved exclusively in the state and federal courts of the State of New York .

You are not authorized to use this Site unless you agree to these Terms. If you do not agree to these Terms, please exit this Site.