Disclaimer

Risk Toolbox, Inc., owner of RestaurantRiskManagement.com (RRM), (the "web site"), invite you to access and use this web site subject to the terms and conditions below and all applicable laws. Your use of this web site, including the submission of an online request for a quote, constitutes your agreement to abide by the following terms and conditions:

COPYRIGHT

The material provided on this web site, including the information and any images on the web site, is for your personal non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this web site, including anything you download from the web site, unless you first obtain our consent. You may not create any kind of hyperlink from any other web site to this web site unless you first obtain our permission.

THIRD PARTY WEB SITES

From time to time, RRM may provide access to other web sites from this web site, or you may have reached this web site from another web site. RRM does not endorse or approve any products or information offered to you at web sites you may reach from our web site or from which you may have reached this web site.

By providing material on this web site, RRM does not promise that the materials will remain available to you or that you will qualify for the insurance products or services that RRM offers. RRM is entitled to terminate all or a part of this web site at any time, without notice to you.

JURISDICTION

Unless otherwise specified, the materials on this web site are presented to provide information about restaurant risk management. RRM does not intend for the materials on this web site or the products or services discussed to be available to businesses outside the United States or in jurisdictions in which RRM is not licensed to carry out its insurance activities, or for the existence of the materials to imply that RRM is soliciting business in any jurisdiction in which it is not licensed to sell insurance.

LIMITATION OF LIABILITY

RRM WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEB SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF THE WEB SITE; (2) USE OF ANY WEB SITE TO WHICH YOU HYPERLINK FROM THIS WEB SITE; (3) FAILURE OF PERFORMANCE; (4) ERRORS OR OMISSIONS; (5) INTERRUPTION OR DEFECT; (6) DELAY IN OPERATION OR TRANSMISSION; (7) COMPUTER VIRUS; OR (8) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. RRM IS ALSO NOT LIABLE EVEN IF RRM HAS BEEN NEGLIGENT OR IF ITS AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR BOTH.

SOME STATES MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND THEREFORE, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN ANY EVENT, RRM'S LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER IN CONTRACT, TORT OR UNDER ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS THIS WEB SITE.

DISCLAIMER

THE MATERIAL ON THIS WEB SITE IS PROVIDED "AS IS", MEANING THAT RRM DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL ON THIS WEB SITE INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT THIS WEB SITE IS FREE OF COMPUTER VIRUSES; OR (4) THAT INFORMATION CONTAINED IN THIS WEB SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

SERVICE MARKS

"RRM" is a service mark of Risk Toolbox, Inc. All rights reserved.

MISCELLANEOUS

These Terms and Conditions, and the agreement they create, shall be governed by and interpreted according to the laws of the State of New Jersey, without giving effect to New Jersey's conflict of laws principles.

If any provision hereof is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

RRM may modify the terms and conditions of this Agreement, without notice to you, by updating this agreement on this web site.