Restrictions on use of materials
Materials in this website are copyrighted, and all rights are reserved. Text, graphics, databases, software, HTML code and other intellectual property are protected by U.S. and international copyright laws, and they may not be copied, reprinted, published, reengineered, translated, hosted or otherwise distributed by any means without explicit permission in writing from us.
The information on this website is presented for educational purposes only, and should not be construed as an offer to sell or solicit a purchase of any insurance or financial product or service or recommendation.
All information on this website is provided “as is,” with no guarantee of completeness, accuracy, or timeliness regarding the results obtained from the use of this information. And without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose. While reliable sources of information have been used, this website may include inadvertent technical or factual inaccuracies. Your use of this information is at your own risk. You assume full responsibility and risk of loss resulting from the use of this information. We and our affiliates and employees will not be liable for any direct, special, indirect, incidental, consequential, or punitive damages or any other damages whatsoever, whether in an action based upon a statute, contract, tort (including, but not limited to negligence), or otherwise, relating to the use of this information. In no event will we, or our partners, agents, or employees be liable to you or anyone else for any decision made or action taken in reliance on the information on this website or for any consequential, special, or similar damages, even if advised of the possibility of such damages.
We are not engaged in rendering legal, accounting, or investment services. If accounting, legal, or tax advice is required, the services of a competent professional should be sought.
Facts and information at this website are believed to be accurate at the time they were placed on the website and may become outdated by marketplace changes or conditions, new or revised laws, or other circumstances. Changes may be made at any time without prior notice. Rates and assumptions are not guaranteed and may be subject to change. As in all assumptions and examples, individual results may vary based on a wide range of factors unique to each person’s situation. All data provided on this website are to be used for informational purposes only. The information contained on this website and pages within is not intended to provide specific legal, financial or tax advice, or any other advice, whatsoever, for any individual or company, and should not be relied upon in that regard. We are not responsible for any errors or omissions, or for the results obtained from the use of this information. Any slights against individuals, companies, or organizations are unintentional.
Decisions based on data or information contained on this site are the sole responsibility of the user, and in exchange for using this site, you agree to hold us harmless against any claims for damages arising from any decisions you make based on such information.
The services described on this website are only offered in jurisdictions where they may be legally offered. Information provided in this website is not all-inclusive and is limited to information that is made available to us, and such information should not be relied upon as all-inclusive or accurate.
Neither we nor any of our affiliates or employees will be liable for any loss or damage that you incur in the event of any failure or interruptions on the site, or resulting from the act or omission of any other party involved in making this site available, or from any other cause relating to access to, inability to access, or use of this site.
Links and marks
The owner of this site is not necessarily affiliated with sites that may be linked to this site and is not responsible for their content. The linked sites are for your convenience only, and you access them at your own risk. Links to other websites or references to products, services or publications other than ours and our affiliates at this website do not imply the endorsement or approval of such websites, products, services or publications by us or our affiliates.
Certain names, graphics, logos, icons, designs, words, titles or phrases on this website may constitute trade names, trademarks or service marks of ours or of other entities. The display of trademarks on this website does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal, common law, trademark and/or copyright laws and could subject the copier to legal action.
Data entered on site/Solicitation
By filling out any forms on this website, such as requesting to be on our email or snail mail lists, scheduling a meeting or appointment, or the Contact Us forms, you are giving us permission to contact you by any of the methods you provide us, regardless of whether you are listed on the “Do Not Call Registry” or have otherwise requested not to receive communications by mail, email, fax, phone, or other method.
If you enter comments on the site, such as on a blog, you are expressly allowing us to use your comments for any and all purposes, including for marketing purposes, case studies and examples.
You agree not to engage in any of the following when leaving comments or using other forms of communication:
- Posts of a patently offensive nature are not allowed. This includes, but is not limited to:
- Using vulgar, profane, or sexually explicit language
- Using race, religion, sexual orientation, culture, ethnicity, handicap, nationality, or gender as a means of insult
- Using sexual preference terms as a term of insult in any way, shape, or form
- Using threatening, harassing, defamatory, hate-speech, or libelous language
- Posting or requesting links to or material from pornographic, obscene, or hate-speech websites
- Posting links to websites with potentially offensive content without a clear warning
- Descriptions or details about any sexual act or sexual organs
System and Network Security
Violations of system or network security are prohibited, and may result in criminal and civil liability. We will investigate incidents involving such violations and may involve and will cooperate with law enforcement if a criminal violation is suspected. You must take reasonable security precautions in light of your use of the Service. You are solely responsible for any breaches of security affecting the servers under your control.
Consequences of Violation of Terms
We may, without notice to you, suspend your service or remove messages and comments transmitted via the site if we discover facts that lead us to reasonably believe the site or service is being used in violation of these Terms. You agree to cooperate with our reasonable investigation of any suspected violation of these Terms. We may attempt to contact you prior to your suspension; however, prior notification is not assured.
Other legal stuff
Your access to and use of this website is subject to these Terms and Conditions. You agree not to use this website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using this website, you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions, you must immediately stop using this website.
To the extent you have in any manner violated or threatened to violate our and/or our affiliates’ intellectual property rights, we and/or our affiliates may seek injunctive or other appropriate relief in any state or federal court in the state of Illinois, and you consent to exclusive jurisdiction and venue in such courts.