ERISA Risk Management
Fiduciary Protection Through Process and Perspective
Terms & Conditions
Conditions of use
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.
DisclaimerTo the fullest extent permissible pursuant to applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied and Rick Unser disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Rick does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Rick does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement.
This website may be linked to other websites which are not maintained by Lockton or Rick Unser. Lockton nor Rick are responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Lockton or Rick of the websites or the content thereof.
Limitation of liability
While Rick uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Lockton nor Rick make warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Lockton, Rick or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Rick or a Lockton authorized representative has been advised of the possibility of such damages. In no event shall Lockton's or Rick's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. Lockton nor Rick assume any responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
Restrictions on use of materialsThis website is owned and operated by Rick Unser. Except as otherwise expressly permitted by Rick, no materials from this website or any website owned, operated, licensed or controlled by Rick may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Lockton's or, if applicable, Rick's written permission. Rick neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.
Jurisdictional issuesUnless otherwise expressly set forth herein, Rick makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.
Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Rick. No security, insurance product or other product or service is offered or will be sold by Rick or, if sold by Rick, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
Ownership of informationAny information, other than personal data or information, you transmit to Rick via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Rick. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Rick is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Rick via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
Software licensesYou acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Rick does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.
Accuracy of the web siteRick does not guarantee the accuracy, completeness or correctness of any information on the site. You agree that use of the site and its contents is entirely at your risk and to the extent permitted by law, all warranties or conditions that would, but for the terms of this disclaimer, be implied by statute or otherwise, are excluded.
Rick will not be liable, under the terms of this disclaimer or otherwise, for any loss of profit, loss of revenue, loss of contract or any other indirect or consequential loss you may suffer as a result of the use of any of the information contained in the web site.
Changes to the web siteRick may correct any errors or omissions or change the format or content of the site at any time and may terminate or suspend the operation of the site for any reason, without notice or liability.
Routine maintenance, demand on systems and other circumstances may mean that this web site and the services provided on it may not always be available.
Products/services made availableThe content and information provided by Rick on this web site is not intended to be advice of any kind. A product or service shown on this web site may not necessarily be suitable for you - this is for you to decide (and if in doubt, you may wish to seek appropriate independent advice).
Before purchasing a policy, you confirm that: All answers given in your application are true and correct. You have read and understood the relevant policy terms and conditions and are satisfied the product meets your needs.
The information and statements you give, together with the policy terms and conditions, form the basis of the contract. If you do not provide true, correct and full information you may invalidate your insurance policy. All statements made by you or information you provide prior to purchase are your responsibility. Rick is not bound to offer you services.
Rick makes every reasonable effort to provide accurate and up-to-date information about the products and services it provides. However, the information is subject to change without notice and you should always check the current terms and conditions of specific products and services.
Illegal activityIf you access or use any information on this web site and by doing so, you break any law, Rick will not be responsible.
CookiesCookies are used on our site for the purpose of compiling web statistics. They are not used to gather personal information about website users. Any information stored in the cookie is solely for server administration purpose.
Cookies are programs which track the movements of individual visitors to the website and gather information. The web browser stores this information on disk in the form of a small data file. You may refuse the cookie, if you wish. To do so, you will need to adjust your browser settings.
Changes to terms and conditionsThese terms and conditions are subject to change without notice and at any time. Whilst visiting the web site you agree to be bound by the current terms and conditions and you should always check them each time you revisit the site.