EFFECTIVE: FEBRUARY 22, 2019
Use of Our Websites
By accessing or using any website that is operated by HMA Group Holdings, LLC or one of its affiliated companies (collectively, “Creative Risk Solutions”, “we”, or “us”), you accept the terms of this Agreement and agree to be subject to all provisions herein or contained elsewhere on our network of websites. In addition, you agree that in using our websites you are agreeing to be bound by this Agreement and any future revisions or amendments, you represent that you are of legal age to contract within your jurisdiction, and you represent that you have the authority to enter into this Agreement individually or on behalf of any company for whom you have engaged our Services. Except as otherwise provided herein, if you do not agree to be bound by this Agreement you may not access or use our website.
Copyrights and Trademarks
All copyright in the text, images, photographs, graphics, user interface, and other content provided on the websites are owned by HMA Group Holdings, LLC or its third-party licensors under the United States Copyright Act and all international copyright laws. Under applicable copyright laws, you are prohibited from copying, reproducing, modifying, distributing, displaying, performing, or transmitting any of the contents on any Creative Risk Solutions websites. No grant, license, or right under any copyright has been conferred upon you by Creative Risk Solutions.
All rights in the product names, company names, trade names, logos, product packaging and designs of all Creative Risk Solutions or third-party products or services, whether or not appearing in large print or with the trademark symbol, belong exclusively to HMA Group Holdings, LLC or their respective owners and are protected by international trademark and copyright laws. The use of any trademarks or materials, unless permitted herein, is expressly prohibited. No grant, license, or right under any patent or trademark has been conferred upon you by Creative Risk Solutions.
Creative Risk Solutions owns all rights, title, and interest in the websites. Subject to this Agreement, Creative Risk Solutions grants you a limited license to use the websites solely for their intended purpose. Any future revisions or amendments to the websites are subject to this Agreement. Creative Risk Solutions reserves all rights not granted in this Agreement.
Notice of Copyright Infringement
Creative Risk Solutions will process and investigate notice of alleged infringement and will take appropriate actions under applicable intellectual property laws. Upon receipt of notices, Creative Risk Solutions will act to remove or disable access to any material found to be infringing or found to be the subject of infringing activity. Additionally, Creative Risk Solutions will act to remove or disable access to any reference or link to material or activity that is found to be infringing. Notices of claimed copyright infringement should be directed to the below address.
Creative Risk Solutions
Attn: Legal Department
2727 Grand Prairie Parkway
Waukee, IA 50263
Creative Risk Solutions reserves the right to modify, revise, or amend this Agreement at any time. Your use of the website following such modification, revision, or amendment constitutes acceptance of any such changes. Any changes will be effective upon their publishing on the websites, at which time they will be date stamped which will serve as notice.
Third Party Links
Our websites may display or provide links to websites or other digital properties controlled by persons or entities other than Creative Risk Solutions (“Third-Party Links”). When you click on a Third-Party Link, we will not provide a warning that you have left our websites. Creative Risk Solutions does not control and is not responsible for Third-Party Links or any content or material that you may encounter. Third-Party Links are provided as a convenience and we do not review, endorse, or warrant any content, products, or services accessible from such links. You use all Third-Party Links solely at your own risk.
Restrictions on Use
The rights granted to you in this Agreement are subject to the following restrictions: (i) you shall not license, rent, lease, sell, transfer, assign, reproduce, distribute, host, or otherwise commercially exploit the websites; (ii) you shall not frame or enclose any trademark, logo, or Service of Creative Risk Solutions; (iii) you shall not modify, translate, adapt, merge, make derivative works of, disassemble, decompile, reverse compile, or reverse engineer any part of the websites unless permitted by applicable law; (iv) you shall not use any manual or automated software, devices, or other processes to “scrape” or download data from the websites; (v) you shall not access the websites to build a similar or competitive website, application, or service; (vi) no part of the websites may be copied, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form or by any means unless expressly stated herein; (vii) you shall not remove or destroy any copyright notices or other proprietary markings contained in or on our websites; (viii) you shall not interfere with or attempt to interfere with the proper functioning of the websites or use them in any way not expressly permitted in this Agreement; and (ix) you shall not attempt to harm our websites in any way, including but not limited to violating or attempting to violate any security features. Any unauthorized use of the websites terminates the licenses granted by Creative Risk Solutions pursuant to this Agreement and Creative Risk Solutions has no obligation to give notice of such termination.
You are required to comply with all applicable laws in connection with your use of the Creative Risk Solutions websites, and such further limitations as may be set forth in any written or on-screen notice from Creative Risk Solutions. As a condition of your use of the Creative Risk Solutions websites, you warrant that you will not use the Creative Risk Solutions websites for any purpose that is unlawful or prohibited by this Agreement.
You agree to indemnify and hold HMA Group Holdings, LLC, its affiliates, subsidiaries, and the officers, directors, managers, agents, representatives, partners, and licensors of each (collectively, the “Company Parties”) harmless from any damages, losses, costs, liabilities, and expenses, including reasonable attorneys’ fees, of any nature whatsoever, expressly including but not limited to consequential damages, losses and costs, relating or arising out of any claims concerning: (i) your use or misuse of the websites; (ii) your violation of this Agreement; (iii) your violation of any rights of another party; or (iv) your violation of any applicable laws, rules, or regulations. Creative Risk Solutions reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Creative Risk Solutions in asserting any available defenses. You agree that the provisions in this Section will survive any termination of this Agreement or your access to the websites.
Disclaimer of Warranties and Conditions
YOU EXPRESSLY UNDERSTAND AND AGREE TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF THE WEBSITES OFFERED THROUGH THE SERVICES IS AT YOUR SOLE RISK, AND THE WEBSITES ARE PROVIDED ON AN “AS IS” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HMA GROUP HOLDINGS, LLC AND ALL OTHER COMPANY PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT ARISING FROM THE USE OF THE WEBSITES. HMA GROUP HOLDINGS, LLC AND ALL OTHER COMPANY PARTIES MAKE NO WARRANTY, REPRESENTATION, OR CONDITION THAT: (I) THE WEBSITES WILL MEET YOUR REQUIREMENTS OR (II) YOUR USE OF THE WEBSITES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OR (III) THE WEBSITES ARE OR WILL BE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS.
IF YOU RELY ON ANY DATA OR INFORMATION OBTAINED THROUGH OUR WEBSITES, YOU DO SO AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS THAT RESULTS FROM YOUR USE OF SUCH DATA OR INFORMATION.
OUR WEBSITES ARE PROVIDED WITH THE UNDERSTANDING THAT CREATIVE RISK SOLUTIONS AND ITS USERS ARE NOT ENGAGED IN RENDERING LEGAL, MEDICAL, COUNSELING, OR OTHER PROFESSIONAL SERVICES OR ADVICE. OUR PRODUCTS AND SERVICES ARE NO SUBSTITUTE FOR PROFESSIONAL SERVICES OR ADVICE.
Limitations of Liability
IN NO EVENT WILL HMA GROUP HOLDINGS, LLC OR ITS AFFILIATES, OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITES, OR ANY WEBSITE LINKED TO THE CREATIVE RISK SOLUTIONS WEBSITES, BE LIABLE IN ANY MANNER WHATSOEVER FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS, USE, OR INABILITY TO USE THE CREATIVE RISK SOLUTIONS WEBSITES OR ANY SITE LINKED TO THE CREATIVE RISK SOLUTIONS WEBSITES, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ALTERATION, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE.
THESE LIMITATIONS APPLY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF CREATIVE RISK SOLUTIONS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, CREATIVE RISK SOLUTIONS LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
At Creative Risk Solutions’ sole discretion, we may modify or discontinue the websites, or may modify, suspend, or terminate your access to the websites, for any reason, with or without notice to you and without liability to you or any third party. In addition to suspending or terminating your access to the websites, Creative Risk Solutions reserves the right to take appropriate legal action, including, without limitation, pursuing civil, criminal, or injunctive redress. Even after your right to use the websites is terminated, this Agreement will remain enforceable against you. Additionally, all of your obligations and Creative Risk Solutions’ rights that should by their nature survive termination of your use of the websites, including but not limited to your warranty and indemnification obligations and the disclaimers and limitations on Creative Risk Solutions’ liability, shall survive and continue in full force and effect.
The websites and Services are controlled and offered by Creative Risk Solutions from its facilities in the United States of America. Creative Risk Solutions makes no representations that the websites are appropriate or available for use in other locations. Those who access or use our websites from other countries do so at their own risk and are responsible for compliance with local law.
Any award in an arbitration initiated under this clause shall be limited to monetary damages and shall include no injunction or direction to any party other than the direction to pay a monetary amount. Further, the arbitrator(s) shall have no authority to award punitive, consequential, or other damages not measured by the prevailing party’s actual damages in any arbitration initiated under this section, except as may be required by law.
This Agreement, and your rights and obligations hereunder, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Creative Risk Solutions’ prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void.
This Agreement and the use of the Creative Risk Solutions websites shall be governed by and construed in accordance with the laws of the State of Iowa, excluding its conflict of law rules. You and Creative Risk Solutions expressly agree that jurisdiction over any venue in any legal or administrative proceeding directly arising out of or relating to the Creative Risk Solutions websites shall be in the state and federal courts in Polk County, Iowa. Any cause or claim must be commenced within one (1) year after the cause or claim of action arises.
Any waiver or failure to enforce any provision of this Agreement on one occasion will not be deemed a waiver of any other provision or of such provision on any other occasion.
If any portion of this agreement is held invalid or unenforceable, that portion shall be construed in a manner to reflect, as nearly as possible, the original intention of the parties, and the remaining portions shall remain in full force and effect.