Legal Notice
By using this
site, you acknowledge your assent to the following conditions of use without
limitation or qualification. Please read these conditions carefully before
using this site. HSB BI&I and HSB Group, Inc. (and/or its affiliated
entities, referred to herein as "HSB Group") may at any time revise
these terms and conditions by updating this posting. You are bound by any such
revisions and should therefore periodically visit this page to review the then
current terms and conditions to which you are bound.
DISCLAIMER
This site and the
tools, links and materials on this site are provided "as is" and
without warranties of any kind, either express or implied. To the fullest
extent permissible pursuant to applicable law, HSB BI&I and HSB Group
disclaim all warranties, express or implied, including, but not limited to,
implied warranties of merchantability and fitness for a particular purpose. HSB
BI&I and HSB Group do not warrant that the functions contained in the
materials, tools or links will be uninterrupted or error-free, that defects
will be corrected, or that this web site or the server that makes it available
are free of viruses or other harmful components. HSB BI&I and HSB Group do
not warrant or make any representations regarding the use or the results of the
use of the tools, links and materials on this website in terms of their
correctness, accuracy, reliability, or otherwise. You (and not HSB BI&I nor
HSB Group) assume the entire cost of all necessary servicing, repair, or
correction. The information and descriptions contained herein are not intended
to be complete descriptions of all terms, exclusions and conditions applicable
to the products and services, but are provided solely for general informational
purposes.
CONTRACTED SERVICE PARTNER SITES
This website may
be linked to other websites that are not maintained by HSB BI&I or HSB Group (“Contracted Service Partner Sites”). HSB
BI&I and HSB Group are not responsible for the content of those websites.
The inclusion of any
link to such websites does not imply approval of or endorsement by HSB BI&I
and HSB Group of the websites or the content thereof . You are responsible for evaluating
whether you want to access or use a Contracted Service Partner Site. You should
review any
applicable terms and/or privacy policy of a Contracted Service Partner Site before using it or sharing any information
with it, because you may give the operator permission to use your information in
ways we would not . If you decide to access Contracted
Service Partner Sites, you do so at your own risk and agree that your use of
any Contracted Service Partner Site is on an “as is” basis without warranties
of any kind either express or implied.
LIMITATION OF LIABILITY
While HSB
BI&I and HSB Group use reasonable efforts to include accurate and
up-to-date information on this website, errors or omissions sometimes occur.
HSB BI&I and HSB Group make no warranties or representations as to the
accuracy of the content of this website or any Contracted Service Partner Site.
Under no circumstances, including, but not limited to, negligence, shall HSB
BI&I, HSB Group or any party involved in creating, producing, or delivering
the website or any Contracted Service Partner Site be liable to you for any
direct, incidental, consequential, indirect, or punitive damages that result
from the use of, or the inability to use, the materials on this website or any Contracted
Service Partner Site , even if HSB BI&I / HSB Group or an
HSB BI&I / HSB Group authorized representative has been advised of the
possibility of such damages. Applicable law may not allow the limitation or
exclusion of liability of incidental or consequential damages, so the above
limitation or exclusion may not apply to you. In no event shall HSB BI&I's
or HSB Group’s total liability to you for all damages, losses, and causes of
action exceed the amount paid by you, if any, for accessing this website. HSB
BI&I and HSB Group also assumes no responsibility, and shall not be liable
for, any damages to, or viruses that may infect, your computer equipment or
other property on account of your access to, use of, or browsing in the website
or any Contracted Service Partner Site or your downloading of any materials,
data, text, images, video, or audio from this website or any Contracted
Service Partner Site .
RESTRICTIONS ON USE OF MATERIALS
This website and
the sites to which it links are owned and operated by HSB BI&I and HSB
Group and its Contracted Service Partners. Except as otherwise expressly
permitted by HSB BI&I, HSB Group and its Contracted Service Partners, no
materials from this website or any website owned, operated, licensed or
controlled by HSB BI&I, HSB Group or its Contracted Service Partners may be
copied, reproduced, republished, uploaded, posted, transmitted, or distributed
in any way. You may download material displayed on this website for your use
only, provided that it also retains all copyright and other proprietary notices
contained on the materials. You may not distribute, modify, transmit, reuse,
repost, or use the content of this website for public or commercial purposes,
including the text, images, audio, and video without the written permission of
HSB BI&I, HSB Group and its Contracted Service Partners. HSB BI&I and
HSB Group neither warrant nor represent that your use of materials displayed on
this website will not infringe rights of third parties not owned by or
affiliated with HSB BI&I and HSB Group.
JURISDICTIONAL ISSUES--PRODUCTS AND SERVICES
Unless otherwise
expressly set forth herein, HSB BI&I and HSB Group make no representation
that materials on this website are appropriate or available for use in any
location. Those who choose to access this website do so by their own initiative
and are responsible for compliance with local laws. Except as specifically set
forth herein the information contained on this website is not an offer to sell
or a solicitation to buy any security, insurance product or other product or
service. No security, insurance product or other product or service is offered
or will be sold in any jurisdiction in which such offer or solicitation,
purchase or sale would be unlawful under the securities, insurance or other
laws of such jurisdiction. Some products and services may not be available in
all jurisdictions.
TRADEMARKS AND COPYRIGHTS
All trademarks,
services marks, trade names, logos and icons are proprietary to HSB BI&I
and HSB Group. Nothing contained on the website should be construed as
granting, by implication, estoppel, or otherwise, any license or right to use
any trademark displayed on this website without the written permission of HSB
BI&I, HSB Group or its Contracted Service Partners that may own the
trademarks displayed on this website. Your use of the trademarks displayed on
this website, or any other content on this website, except as provided herein,
is strictly prohibited. Images displayed on this website are either the
property of, or used with the permission of, HSB BI&I, HSB Group or its Contracted
Service Partners. The use of these images is prohibited unless specifically
permitted herein. Any unauthorized use of the images may violate copyright
laws, trademark laws, the laws of privacy and publicity, and communications
regulations and statutes.