Please read these terms of use and the website’s privacy policy carefully before using this website. If these terms of use and the privacy policy are not acceptable to you in full, you must immediately terminate your use of the website. Your access to and use of this website constitute your acceptance of and agreement to abide by each of these terms and conditions set forth below.

 

This website is owned and maintained by Simplicated Risk LLC (“Simplicated”). Simplicated is licensed or otherwise approved to transact business in California. This website provides users with access to an online collection of information and certain online services. These resources may include information on Simplicated’s services; links to password protected utilities for clients and other defined audiences; information resources provided as a convenience for clients, claimants, other service providers, and other claims and risk services professionals. The website also contains other content, including but not limited to text, pictures, graphics, logos, button items, images, and works of authorship, and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this website.

 

This website is intended only for users who are at least 18 years of age and who reside in the United States. All information and content available on the website are solely directed to individuals 18 years of age or older residing in the United States.

Your access to and use of this website are subject to these terms of use, as well as all applicable laws and regulations. These Terms of Use may be changed, supplemented or updated from time to time without notice by posting here and you will be bound by the most current version of these Terms of Use if you continue to use this Website after such changes are posted. Unless otherwise indicated, any new Services, Content and/or Software added to this Website will also be subject to these Terms of Use effective upon the date of any such addition. Please review these Terms of Use often for any updates or changes.

 

Description of Services

This website may provide descriptions, summaries, or other helpful information regarding services provided by Simplicated. This information is intended to generally describe the services we provide and is subject to the specific terms and conditions of the actual policy or service agreement to which they refer. The information provided by this website does not constitute part of any contract and does not amend, revise or alter the terms of any agreement made for services provided by Simplicated.

 

Intellectual Property

Except as otherwise expressly stated, all content and software appearing on this website are the copyrighted work of Simplicated, their affiliates or third party content suppliers and are protected by U.S. and international copyright laws. The compilation of all content and software is also the exclusive property of Simplicated and is protected by U.S. and international copyright laws.

You may download information from this Website and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute, sell, or in any other way exploit, any information, software, or content obtained from this website, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of Simplicated or any applicable third party suppliers.

 

The use of any of the website’s content is prohibited unless specifically permitted by Simplicated. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Simplicated does not warrant or represent that your use of content, services, software or any other materials displayed on this Website will not infringe rights of third parties.

 

Use of Information

Except as provided by law and/or any separate written agreement you may have with Simplicated, and with the exception of any personal information you may submit (which shall be maintained in accordance with our Privacy Statement), Simplicated may use, distribute, or disclose any information you transmit to Simplicated via this website, or which is collected through your use of this website, including any ideas, data, concepts, know-how, comments, techniques, or suggestions. This information will be treated as non-confidential and non-proprietary and will become the property of Simplicated.

 

Internet Use

You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this website. Persons accessing and using the website understand and agree that internet usage provides the opportunity of unauthorized access by third parties to confidential information. Simplicated does not and cannot guarantee that any information transmitted through the internet will remain confidential. You agree that any information transmitted or obtained by your use of the internet is at your own risk.

 

Prohibited Conduct

Any use or attempted use of this Website for any unlawful, unauthorized, fraudulent or malicious purpose, or  any use other than the business purpose for which it was intended, is prohibited.

In addition, in connection with your use of the Website, you agree you will not:

1. Post, upload or transmit any unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, or otherwise objectionable information of any kind

2. Make any false misrepresentations or transmit any material that you do not have a right to transmit;

3. Upload files that contain malware, viruses, Trojan horses, worms, corrupted files, or any other harmful software; or

4. Invade the privacy rights of others.

 

Except as expressly provided for in the Privacy Statement, Simplicated reserves the right at all times to disclose any information as may be necessary to satisfy any law, regulation, legal process or governmental request, in Simplicated's sole discretion.

Simplicated reserves the right to monitor use of the website at any time as it deems appropriate and to remove any materials that, in Simplicated's sole discretion, may violate these Terms of Use, or are inconsistent with Simplicated’s purpose for this Website.

Links to Third Party Websites

 

The website may contain links to other websites owned and operated by other third parties. Simplicated cannot and does not guarantee the accuracy of these links. Simplicated does not control any third party websites and you acknowledge and agree that Simplicated is not responsible for  the content, products, services or other materials on or available from any third party websites.

 

Disclaimer of Warranty

Information contained on this Website has been prepared by Simplicated for the convenience of its users. Simplicated makes no warranty or guarantee about the accuracy, or completeness of any information contained in the website. Users relying on information from this Website do so at their own risk.

 

YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. ALL SERVICES AND CONTENT ARE PROVIDED ON AN "AS IS" BASIS, AND SIMPLICATED EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SIMPLICATED MAKES NO WARRANTY THAT THE SERVICES, CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.

 

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT IN NO EVENT SHALL SIMPLICATED BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF SIMPLICATED HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEBSITE, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE WEBSITE, SERVICES, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE SIMPLICATED AND ITS AFFILIATES OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEBSITE.

 

Consent To Electronic Communication

You consent to receive any communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

 

Password Security

Simplicated has provided an option to open an account on this website. If you choose to register for an account, you will be asked to create a username and password. You are responsible for the security of your username and password. You are liable for any and all activities of your account. Simplicated will not be responsible for any unauthorized use of your account with or without your knowledge. You agree to immediately notify Simplicated of any unauthorized use of your account or any other breach of security of which you become aware. You also agree to completely exit out of your account at the end of each online session. You may be held liable for any losses incurred by Simplicated due to the unauthorized use of your account.

 

Contact 

If you have questions about these Terms of Use please contact our site administrator via e-mail at info@simplicatedrisk.com.​