Terms of Use

This website is made available by Pinnacle Actuarial Resources, Inc. (Pinnacle). All content, information and software provided on and through the website may be used solely under the following terms and conditions.

Your use of this website constitutes your acceptance of these terms and conditions. If you do not agree to these terms, you should immediately discontinue your use of this website.
  
  1. Limitations on Use. You may use this site for your own personal use or your organization’s internal use only. You may not disassemble, rent, decompile, reverse-engineer, lease, loan, sell, sublicense or create derivative works from the website or the content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage or users. You may not use any robot, spider, or other automatic or manual device or process to monitor or copy the website or the Content without Pinnacle’s prior written permission. You may not print, download, copy, modify, reproduce, republish, distribute, display, or transmit for commercial, nonprofit or public purposes all or any portion of the website, except to the extent permitted above. You may not use or otherwise export or re-export the website or any portion thereof, the content or any software available on or through the website in violation of the export control laws and regulations of the United States of America. Any unauthorized use of the website or the content is prohibited.

  2. Not Professional Advice. The website and the content do not constitute accounting, actuarial consulting, investment, insurance, legal, tax or any other type of professional advice. The accuracy, completeness, adequacy or currency of the website or the content is not warranted or guaranteed. Your use of the content, the website or materials linked from the website is at your own risk.

  3. Product and Service Availability. Some products and services described in this website may not be available in all jurisdictions. The services and products described and information provided through this website are not directed to and are not intended for distribution to, or use by, any person or entity in any jurisdiction:

    • Where such distribution or use would be contrary to law, rule or regulation (“laws”), or that would  subject Pinnacle to any registration requirement within such jurisdiction; or

    • Where Pinnacle is not authorized to provide such information, products or services.

    Persons who access this website are deemed to do so on their own initiative and are responsible for compliance with all applicable laws. Materials from this website may be subject to controls imposed by the United States or other jurisdiction, and may not be exported to any jurisdiction or to anyone prohibited by law. Pinnacle expressly prohibits the downloading or exporting of material from this website in violation of the laws of any applicable jurisdiction, including U.S. export laws. By downloading material from this website, you warrant that you are doing so in full compliance with the laws of the United States and your resident jurisdiction.

  4. Intellectual Property Rights. All content, unless otherwise indicated, is protected by law including, but not limited to, United States copyright, trade secret, patent and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided in this Terms of Use or the website, Pinnacle does not grant any express or implied rights to you under any patent, copyright, trademark or trade secret information. Accordingly, any unauthorized use of the website or the content may violate copyright laws, trademark laws, patent laws, trade secret laws, or laws relating to privacy and publicity.

    By submitting content to a forum or any other portion of the website, you automatically grant Pinnacle a royalty-free, perpetual, irrevocable, nonexclusive right and license to use, reproduce, modify, adopt, publish, edit (for length or clarity), translate, create derivative works from, distribute, redistribute, transmit, perform and display such content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or later developed for the full term of any rights that my exist in such content. Pinnacle reserves the right to remove any content submitted to the website at any time for any reason.

  5. Registration. Certain sections of the website require you to register. If registration is requested, you agree to supply Pinnacle with accurate and complete registration information. It is your responsibility to inform Pinnacle of any changes to that information. You are responsible for maintaining the confidentiality of your account number and/or password. You are responsible for all uses of your account, whether or not actually or expressly authorized by you. Pinnacle reserves the right to refuse registrations or subscriptions.

  6. Errors and Corrections. Pinnacle does not represent or warrant that the website will be error-free, free of viruses or other harmful components, or that defects will be corrected. Pinnacle does not warrant or represent that the content and any information available on or through the website will be correct, accurate, timely or otherwise reliable. Pinnacle may make changes to the content or the website at any time.

  7. DISCLAIMER. THE WEBSITE AND THE CONTENT IS PROVIDED ON AN "AS-IS" BASIS. PINNACLE EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. PINNACLE DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR ANY WAY RELATED TO: (A) ANY ERRORS IN OR OMISSIONS FROM THIS WEBSITE AND THE CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS; (B) ANY THIRD-PARTY WEBSITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS IN THIS WEBSITE, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM; (C) THE UNAVAILABILITY OF THE WEBSITE OR ANY PORTION THEREOF; (D) YOUR USE OF THIS WEBSITE; OR (E) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THE WEBSITE.|

  8. LIMITATION OF LIABILITY. PINNACLE SHALL NOT BE LIABLE FOR ANY LOSS, INJURY, CLAIM, LIABILITY OR DAMAGE OF ANY KIND RESULTING FROM YOUR USE OF THE WEBSITE OR THE CONTENT. PINNACLE SHALL NOT BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS' FEES) IN ANY WAY DUE TO, RESULTING FROM OR ARISING IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE WEBSITE OR THE CONTENT.

  9. Remedies for Violations. Pinnacle reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including but not limited to the right to block access from a particular Internet address to Pinnacle websites and their features.

  10. Governing Law and Jurisdiction. These Terms of Use have been made in and shall be construed and enforced in accordance with United States of America federal law. Any action to enforce this agreement shall be brought in the appropriate United States federal or local courts with jurisdiction.

  11. Privacy. For information about the use of cookies on the website, please see Pinnacle, please refer to the Privacy Policy.

  12. Severability of Provisions. These Terms of Use incorporate by reference any notices contained on the website and the Privacy Policy. These terms constitute the entire agreement between you and Pinnacle with respect to access to, and use of, the website. If any provision of these Terms of Use is unlawful, void or unenforceable, or conflicts with any other provision of the Terms of Use, then the unlawful, void, unenforceable or conflicting provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

  13. Modifications to Terms of Use. Pinnacle reserves the right to change these Terms of Use at any time. Updated versions of the Terms of Use will appear on this website and are effective immediately. You are responsible for regularly reviewing the Terms of Use. Continued use of the website after any such changes constitutes your acceptance of such changes.

  14. Notice regarding spreadsheets, analytical models, software, documents and services:  The documents and related graphics published on this server could include technical inaccuracies or typographical errors. Changes are periodically made to the information herein. Pinnacle may make changes in and/or improvements to the program(s) described herein at any time without notice. In no event shall Pinnacle be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of spreadsheets, analytical models, software, documents, provision of or failure to provide services or information available from this server.

  15. Notice regarding other websites linked to this site:  WHEN YOU CLICK ON THE NAME OF ANY LINKED SITE ON THIS PAGE YOU WILL BE LEAVING THIS WEBSITE. THE LINKED SITES YOU VISIT ARE NOT UNDER THE CONTROL OF PINNACLE AND PINNACLE IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE. PINNACLE IS PROVIDING ACCESS TO THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY ENDORSEMENT OF THE SITE BY PINNACLE ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED. CONTACT PINNACLE WITH QUESTIONS OR PROBLEMS WITH THIS SERVICE.

    © Pinnacle Actuarial Resources, Inc., (2016). All rights reserved.


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