Reinsurance Actuarial Solutions LLC Terms of Use

Last Modified: March 2024

Acceptance of the Terms of Use and Conditions

These terms of use are binding upon the User and Reinsurance Actuarial Solutions LLC (“the Company”). The following terms and conditions set the rules for the User’s access and use of reactuarial.com, including any content and services offered through reactuarial.com (the “Website”). Please read the Terms of Use and Conditions before using the Website. 

By using this Website you accept these Terms of Use and Conditions. If you do not want to agree to these Terms of Use and Conditions, you must leave the Website and refrain from having any access to it in the future. 

By using this Website, you represent and warrant that you are of legal age to consent to these Terms and Conditions. If you do not meet the legal age requirements to consent to these Terms and Conditions you must leave the Website and refrain from having any access to it in the future.

Changes to the Terms of Use and Conditions and to the Website

We may revise and update these Terms of Use and Conditions as necessary as possible and at our discretion. All changes are effective at the moment we post such changes and shall apply to all access and use of the Website. 

The User must verify these Terms of Use and Conditions from time to time. The User’s continued access and use of the Website following a revision of the Terms of Use and Conditions shall imply an acceptance of the changes. 

The Company may change the content of this Website from time to time. However, this content is not necessarily complete or up-to-date and the Company is not under any obligation to update it.

Reliance on the Information Posted

The information presented on the Website is only available for information purposes. The Company does not warrant the accuracy, reliability, or completeness of this information. The User may not place reliance on the information on the Website. The Company disclaims any liability that could arise if any user or any visitor to the Website relies on such materials.

All content provided on this Website should be understood to be general insurance information only. It is not intended to be taken as advice with respect to any individual situation and cannot be relied upon as such. Consult your reinsurance/insurance advisors with respect to individual coverage issues.

Statements concerning, tax, accounting, legal or regulatory matters should be understood to be general observations based solely on our experience as reinsurance brokers, and may not be relied upon as tax, accounting, legal or regulatory advice which we are not authorized to provide. All such matters should be reviewed with your own qualified advisors in these areas.

Prohibitions

The User agrees not to use the Website in any way or form that violates any applicable federal, state, local, or international law. The User may not send, receive, upload, download, or otherwise transmit, or procure the sending of, any advertising or promotional material, including any junk mail, chain letter, spam, or any other similar solicitation, without the prior written consent of the Company. 

The User may not impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity when using the Website. The User may not engage in any other conduct that restricts or inhibits other users’ use or enjoyment of the Website or that may harm the Company or users of the Website, or expose them to liability. 

Additionally, the User may not use the Website in any manner that could disable, overburden, damage, interfere, or impair other users’ access to the Website or the proper working of the Website. Furthermore, the User may not use any bot, robot, spider, or any automatic device to access the Website for monitoring purposes.

Intellectual Property Rights

The Company owns the Website and its entire contents, features, and functionality, including but not limited to, all information, software, apps, texts, displays, images, video, and audio, and the design are the intellectual property of the Company and its licensors. The Company’s intellectual property is protected by domestic and international copyright, trademark, patent, trade secret, and other intellectual property laws.

These Terms of Use permit the User to use the Website for personal use only. The User must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website. However, the User may print or download pages from the Website for the User’s personal use.

The User must not modify copies of any materials from this site, use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text. The User must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website. 

If the User prints, copies, modifies, downloads, or otherwise uses or provides any other person with access to any part of the Website, it will be considered a breach of the Terms of Use and Conditions. In such circumstances, the User’s right to use the Website will stop immediately and must return or destroy any copies of the materials made.

Trademarks

The Company name, its trademarks, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. The User must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. The Company makes no representations or warranties in relation to this website or the information and materials provided on this website. 

The Company does not warrant that this website will be constantly available, or available at all; or that the information on this website is complete, true, accurate, or non-misleading. Nothing on this website constitutes or is meant to constitute, advice of any kind.  If you require advice in relation to any matter you should consult an appropriate professional.

Limitations of liability

The Company will not be liable to the User in relation to the contents of, or use of, or otherwise in connection with, this website for any indirect, special, or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

Indemnification

You agree to defend, indemnify, and hold harmless the Company from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use and Conditions or your use of the Website, including, but not limited to, any use of the Website’s content, services, and products other than as expressly authorized in these Terms of Use and Conditions, or your use of any information obtained from the Website.

Governing Law

All matters relating to the Website and all issues that could potentially arise out of, or related to, these Terms of Use and Conditions, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed under the internal laws of the State of Florida without giving effect to any choice or conflict of law provision or rule (whether of the State of Florida or any other jurisdiction).

The User waives any and all objections to the Company’s exercise of jurisdiction by such courts and venue in such courts.

Waiver and Severability

If any provision of this website terms of use is or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website terms of use.

Entire Agreement

The Terms of Use and Conditions and other relevant policies incorporated herein by reference constitute the sole and entire agreement between the User and the Company regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, of any kind, regarding the use of the Website.

Comments and Concerns

If you have any comments or questions about these Terms of Use and Conditions, please notify the Company at David@reactuarial.com.