Healthcare Risk Solutions (HRS) maintains this site (hereafter call "the site") for your personal information, education and/or communication. Please feel free to download the site. You may download material displayed on the site for non-commercial, personal use only, provided you retain all copyright and other proprietary notices contained in the material. You may not, however, distribute, modify, transmit, reuse, re-post, or use the content of this site for public or commercial purposes, including the text, images, audio and video without written permission from HRS. Your access and use of the site is also subject to the following terms and conditions and all applicable laws. By accessing and browsing the site, you accept, without limitation and qualification, the terms and conditions and acknowledge that any other agreement between you and HRS regarding the use of the site are superceded and are of no force or effect.

1. You should assume that everything you see and read on this site is copyrighted unless otherwise noted and cannot be used except as provided in these terms and conditions or in the text on the site without written permission of HRS. HRS neither warrants or represents that your use of materials displayed on the site will not infringe the rights of third parties not owned by or affiliated with HRS.

2. While HRS uses reasonable efforts to include accurate and up to date information in the site, HRS makes no warranties or representations to its accuracy. HRS assumes no liability or responsibility for any errors or omissions in the content of the site.

3. Your use of and browsing in the site are at your own risk. Neither HRS, any of its agencies, nor any other party involved in creating, producing or delivering the site are liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to or use of this site. Without limiting the foregoing, everything is provided to you "as is", without warranty of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusions of implied warranties, so some of the above exclusions may apply to you. HRS also assumes no responsibility and may not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site, or your downloading of any materials, data, text images, video or audio from the site.

4. Any communication or materials you transmit to the site by electronic mail or otherwise, but not limited to, any questions, comments suggestions data or the like is, and will be treated as non-confidential and non proprietary, unless otherwise specifically indicated.

5. Images displayed on the site are either the property of, or used with permission by HRS. The use of these images by you or anyone authorized by you is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity communication regulations and statutes.

6. The trademarks, logos, and service marks (collectively the "trademarks") displayed on this site are registered and unregistered trademarks of HRS and others. Nothing contained in this site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without the express written permission of HRS or such third party that may own said trademark. Your use of the trademark, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that HRS will actively enforce protection of its intellectual property to the fullest extent of the law, including, but not limited to, the seeking of criminal prosecution.

7. HRS has not reviewed any or all of the sites linked to the site and is not responsible for the content of any off-site pages or any other sites linked to the site. Your linking to the site, off-site pages, or any other site is at your own risk without the permission of HRS.

8. Although HRS may, from time to time, review or monitor postings, transmissions and the like on the site, HRS is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, profanity, pornography, obscenity, danger or inaccuracy contained in any information within such locations on the site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, pornographic, scandalous or profane material that can constitute or encourage conduct that could be considered a criminal offense, give rise to civil liability, or otherwise violate any law. HRS will fully cooperate with law enforcement authorities or court order requesting or directing HRS to disclose the identity of anyone posting any materials or materials.

9. HRS may at any time revise these terms and conditions by updating this posting. You are bound by any such revision and should periodically visit this page to review the then-current terms and conditions to which you are bound.

10. These terms and conditions, and your use of this site, shall be governed by the laws of the State of Pennsylvania and the United States of America. You hereby submit and consent to the exclusive jurisdiction of the state and Federal courts located in Pennsylvania in connection with any dispute arising out of or related to your use of this site or these terms and conditions.

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