Risk Consulting Group provides its content on this Web site (the "Site") subject to the following terms and conditions (the "Terms"). We may periodically change the Terms, so please check back from time to time. By accessing and using this Site, you agree to these Terms.

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 Consulting Group or its licensors and is protected by Swiss and international copyright laws. All rights not expressly granted are reserved.

2. Trademarks
The trademarks, service marks, designs, and logos (collectively, the "Trademarks") displayed on the Site are the registered and unregistered Trademarks of Risk Consulting Group and its licensors. You agree that you will not refer to or attribute any information to Risk Consulting Group or its licensors 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 Consulting Group or its licensors.

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

4. Submissions
Risk Consulting Group will become the sole owner of any information you submit to it via this Site. Risk Consulting Group may use any ideas, concepts, know-how, or techniques you may provide to it through this Site, for any purpose. Risk Consulting Group has no duty to keep such information confidential, except as Risk Consulting Group agrees to in advance in writing, or as required by law.

5. Privacy Notice
Risk Consulting Group does not sell, give, or trade its customer list, prospect list, or mailing lists to any person or company other than it's subsidiaries.

6. Software Use Restrictions
Any software that is made available to download from the Site (the "Software") is the copyrighted work of Risk Consulting Group. Use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software (the "License Agreement"). Except as set forth in the applicable License Agreement, any further copying, reproduction or redistribution of the Software is expressly prohibited.
SOFTWARE IS WARRANTED, IF AT ALL, IN ACCORDANCE WITH THE TERMS OF THE LICENSE AGREEMENT. EXCEPT AS SET FORTH IN THE LICENSE AGREEMENT, ALL EXPRESS OR IMPLIED CONDITIONS, REPRESENTATIONS AND WARRANTIES, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, ARE DISCLAIMED, EXCEPT TO THE EXTENT THAT SUCH DISCLAIMERS ARE HELD TO BE LEGALLY INVALID.

7. Disclaimers
THE CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT RISK CONSULTING GROUP IS NOT HEREIN ENGAGED IN RENDERING PROFESSIONAL ADVICE AND SERVICES TO YOU. 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 CONSULTING GROUP AND ITS THIRD-PARTY CONTENT PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT. RISK CONSULTING GROUP 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 CONSULTING GROUP 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.

8. Governing Law; Jurisdiction
These Terms are governed by the laws of the canton of Zurich, Switzerland, without reference to the principles of conflicts of laws thereof.