PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEB SITE.
By using this web-site, you signify you have read and accept these terms of use. If you do not agree to these terms of use, you should exit this web-site now.

Updates
Information may be changed or updated without notice. FMA-RMS may also make improvements and, or changes in the services described in this information at any time without notice.

Copyright
The copyright in all material provided on this Site is owned by FMA Risk Management Solutions (hereinafter "FMA-RMS") or by the original creator of the material. However, you are free to view, copy, print and distribute FMA-RMS material from this Site for personal, non-commercial use only, provided you do not modify the materials and that you retain all copyright and other proprietary notices contained in the material. You may also not, without FMA-RMS's permission, "mirror" any material contained in this Site on any other server. Modification of any of the materials or use of the materials for any other purpose will be a violation of FMA-RMS's copyright and other intellectual property rights.

Information submission
FMA-RMS does not want to receive confidential or proprietary information from you through our Web site. Please note that any information or material sent to FMA-RMS through its web-site will be deemed NOT to be confidential. By sending FMA-RMS any information or material, you grant FMA-RMS an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and you also agree that FMA-RMS is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless:

• we obtain your permission to use your name or

• we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it; or

• we are required to do so by law. You can learn more about FMA-RMS privacy practices on the Web.

Disclaimer
FMA-RMS makes no representations whatsoever about any other web site which you may access through this one. When you access a non-FMA-RMS Web site, even one that may contain the FMA-RMS-logo, please understand that it is independent from FMA-RMS, and that FMA-RMS has no control over the content on that Web site. In addition, a link to a non-FMA-RMS web site does not mean that FMA-RMS endorses or accepts any responsibility for the content, or the use, of such web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature.

FMA-RMS assumes no responsibility regarding the accuracy of the information that is provided on its web-site and use of such information is at the recipient's own risk. FMA-RMS provides no assurances that any reported problems may be resolved with the use of any information that FMA-RMS provides. By furnishing information, FMA-RMS does not grant any licenses to any copyrights, patents or any other intellectual property rights.

Limitation of liability
IN NO EVENT WILL FMA-RMS BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEB SITE, OR ON ANY OTHER HYPER LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

ALL INFORMATION IS PROVIDED BY FMA-RMS ON AN "AS IS" BASIS ONLY. FMA-RMS PROVIDES NO REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY AND NON-INFRINGEMENT.

Questions
Should you have any question regarding this statement, please do not hesitate to contact us.