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This web site is an information service from IT Risk Managers, Inc. By using the web site, you agree to be bound by all of the terms in this Terms and Conditions agreement. Insurancesurf.com may change the terms in this Agreement. When the terms are changed, the changes will appear in this document. By using the Service after any change in the Agreement is posted, you agree to be bound by all of the changes as well. You should consult this page each time you access the Service.

Copyright and Limitations on Use

The information available through this web site is the property of IT Risk Managers, Inc. or its licensees and is protected by copyright and other intellectual property laws. Information received through the web site may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through the Service to anyone, including but not limited to others in the same company or organization, without the express prior written consent of IT Risk Managers, Inc The web site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. IT Risk Managers, Inc. does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions or recommendations.

Disclaimer of Warranties and Liability

Due to the number of sources from which information on this web site is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such information and the web site. IT RISK MANAGERS, INC. AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE NEWS AND INFORMATION AVAILABLE THROUGH THE WEB SITE, OR THE WEB SITE ITSELF. NEITHER IT RISK MANAGERS, INC. NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE WEB SITE AND ANY NEWS AND/OR INFORMATION THROUGH THE WEB SITE. IN NO EVENT WILL IT RISK MANAGERS, INC., ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH INFORMATION OR FOR ANY CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT THE LIABILITY OF IT RISK MANAGERS, INC., ITS AFFILIATES, AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE SERVICE OR THE INFORMATION IN THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO INSURANCESURF.COM OR IT RISK MANAGERS, INC. FOR USE OF THE SERVICE.

IT Risk Managers, Inc. may discontinue or change the Service, or its availability to you, at any time without notice. This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision of this Agreement is invalid under applicable law, the remaining provisions will continue in full force and effect. This Agreement, all intellectual property issues, and your rights and obligations shall be governed by the laws of the United States of America and the State of Illinois governing contracts wholly entered into and wholly performed within Illinois.