Terms of Use

By visiting, browsing and using this Website, including any applications, platforms, services, or other resources related to, distributed on or available through ClimateRiskHub.org or ActuariesClimateIndex.org, User agrees to be bound by these Terms of Use (“Terms”).

Use of the Website

This Website is provided as a service by the sponsoring organizations. All features, content, products, and information on the Website are subject to change at any time without notice.

The design of the Website and all trademarks, logos, trade names, documents, databases, graphic representations, content, and other material displayed on or available through the Website are the property of the sponsoring organizations, or used by the sponsoring organizations with permission, and are protected by copyright, trademark and other laws, whether or not a notice of copyright, trademark, or other proprietary rights appears on the screen displaying the information, and may not be used except as permitted in these Terms or with prior written permission of the sponsoring organizations.

Users of the Website may save and use information contained on the Website only for personal or other non-commercial, educational purposes; requests to use information, content or other material on the Website can be made by contacting the Casualty Actuarial Society, ATTN: IT and Online Services Manager, 4350 N. Fairfax Dr, Suite 250, Arlington, VA 22203 or via email at webmaster@casact.org. You may not in any way reproduce or publicly display, perform, distribute or otherwise use any of the information or materials displayed on or available through the Website for any public or commercial purpose. You may not create any derivative work of the Website or decompile, reverse engineer, or otherwise attempt to derive source code, underlying ideas, algorithms, structure, or organization of the Website. You agree not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation any type of spider, web crawler, or robot) to navigate, search, compromise, alter, render unavailable, and/or extract information from the Website.

Accuracy of Information

The sponsoring organizations attempt to ensure that information on the Website is complete, accurate and current. Despite such efforts, the information on the Website may occasionally be inaccurate, incomplete or out of date. The sponsoring organizations make no representation or warranty as to the completeness, accuracy or currentness of any information on the Website. The information, opinions, and recommendations presented within the Website are for general informational purposes only. Such information should not be considered professional advice and is not intended to replace consultation with a qualified professional. Unless specifically stated otherwise, the sponsoring organizations do not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned on the Website, and information from the Website should not be referenced in any way to imply such approval or endorsement.

Links or pointers connecting this Website with other Internet sites are provided as a courtesy only and do not imply, directly or indirectly, the endorsement, sponsorship, or approval by the sponsoring organizations of the linked site, the organization or individual operating the site, or any product, service or organization referenced in the site. In general, any site that has an address (or URL) that does not contain “ClimateRiskHub.org” or “ActuariesClimateIndex.org” is a linked site. The content of any linked site does not necessarily reflect the opinions, standards or policies of the sponsoring organizations. The sponsoring organizations assume no responsibility or liability for the accuracy or completeness of content contained in any linked site or for the compliance with applicable laws of such linked sites.

Inappropriate Material

Users are prohibited from posting or transmitting through the Website any unlawful, threatening, defamatory, libelous, obscene, pornographic or profane material or any material that could otherwise violate any law. The sponsoring organizations may, in their sole discretion, take action against any User who has violated or is likely to violate the foregoing prohibitions, and may take any action deemed necessary to cure or prevent the violation.

User Information

Other than personally identifiable information, which is subject to the Website’s Privacy Policy, any material, information, suggestions, ideas, concepts, know-how, techniques, questions, comments or other communication transmitted or posted to the Website in any manner (“User Communications”) is and will be considered non-confidential and non-proprietary. The sponsoring organizations may use any or all User Communications for any purpose whatsoever, including, without limitation, reproduction, transmission, disclosure, publication, broadcast, development, manufacturing and/or marketing in any manner whatsoever for any or all commercial or non-commercial purposes. The sponsoring organizations have no liability related to the content of any such User Communications, whether or not arising under the laws of copyright, libel, privacy, obscenity, or otherwise. We retain the right to remove any or all User Communications that includes any material we deem inappropriate or unacceptable.

DISCLAIMERS

USE OF THE WEBSITE IS AT USER’S RISK. THE INFORMATION, MATERIALS AND SERVICES PROVIDED ON OR THROUGH THE WEBSITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. THE SPONSORING ORGANIZATIONS DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION, MATERIALS OR SERVICES PROVIDED ON OR THROUGH THE WEBSITE. THE FOREGOING EXCLUSIONS OF IMPLIED WARRANTIES DO NOT APPLY TO THE EXTENT PROHIBITED BY LAW.

Moreover, the sponsoring organizations make no warranty that this Website, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. We assume no responsibility nor liability for any damages to, or any viruses that may infect, your computer, telecommunication equipment, or other property caused by or arising from your access to, use of, or browsing the Website, or yourdownloading of any information or materials from the Website. THE SPONSORING ORGANIZATIONS EXPRESSLY DISCLAIM ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY USER’S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THE WEBSITE OR THE INFORMATION PRESENTED ON THE WEBSITE.

Revisions to these Terms

These Terms may be revised at any time. Users should visit this page from time to time to review the then current Terms. Certain provisions of these Terms may be superseded by legal notices or other more relevant terms available on the Website.

Updated as of April 27, 2016