On this page, you will find the following information:
ACCEPTANCE OF TERMS
To the fullest extent permissible pursuant to applicable law, the materials and software on this website are provided on an “as is” or “as available” basis and without warranties of any kind, either express or implied. SSCIP disclaims all warranties, express or implied, including, but not limited to, any implied warranties of merchantability and fitness for a particular purpose. SSCIP does not warrant that the website’s functions will be uninterrupted, non-infringing, or error-free, that any such defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.
All information on this website, including all surveys, benchmark reports, educational materials, risk reports, and/or actuarial analysis and reports, is for general informational purposes only, and is not offered as legal, accounting or other professional advice.
The descriptions of any products and services on this website, including any sample forms or wordings, are not necessarily intended to be complete descriptions of all applicable terms, exclusions, and conditions and are provided solely for general informational purposes. Any statement regarding insurance coverage herein is subject in all respects to the specific terms and conditions of the actual applicable policy or product or service agreement. Complete policy terms are available upon request.
While SSCIP uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes do occur. SSCIP does not warrant or make any representations regarding the use or the results of the use, of any of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of any such state. You may also have other legal rights that vary from state to state.
LIMITATION OF LIABILITY
To the fullest extent permissible pursuant to applicable law, you understand and agree that under no circumstances, including, but not limited to, negligence, shall SSCIP be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if SSCIP or an authorized representative of SSCIP has been advised of the possibility of such damages. SSCIP also assumes no 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 of this website or your downloading of any materials, data, text, images, video, or audio from this website. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.
THIRD PARTY CONTENT
This website may contain hyperlinks to other websites which are not owned or maintained by SSCIP. SSCIP is not responsible for the content or privacy practices of such websites. These hyperlinks are provided solely for your convenience, and do not imply SSCIP’s approval or endorsement of such sites or the content therein. We do not control such websites, and assume no responsibility for their content or accuracy, even though SSCIP’s name or logo may appear on certain pages of such third party sites. We accept no liability for any information, products, advertisements, content, services, or software accessible through such third party websites or for any action you may take as a result of linking to any such website. We recommend that you carefully read the privacy policies and user agreements of these sites, which will solely govern your use thereof.
OWNERSHIP OF INFORMATION
CONSENT TO COMMUNICATE ELECTRONICALLY
By utilizing or providing your contact details through the SSCIP website, you are consenting to receive communications from us electronically. You acknowledge that electronic communications may not be encrypted and there is a risk that data, including e-mail, electronic and wireless communications and personal data, may be accessed by unauthorized third parties. We may communicate with you by e-mail or by posting notices on this site. 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.
RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by SSCIP or its’ appointed representative. Except where otherwise indicated, all materials and software contained in this website, as well as their collection, arrangement, and assembly, are the copyrighted property of SSCIP and are protected by U.S. and international copyright laws. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or otherwise commercially exploited in any way, except with the express written consent of SSCIP. You may download material displayed on this website for your personal use only, provided that you do so without alteration, for non-commercial purposes only, and that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
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 SSCIP’s prior written permission. We neither warrant nor represent that your use of materials displayed on this website will not infringe rights of third parties.
You are prohibited from: (i) using this website for any unlawful, unauthorized, fraudulent, or malicious purpose; (ii) using this site in a method that could damage, disable, overburden, or impair any server, or any network connected to a server; (iii) interfering with another person’s use and enjoyment of this website; (iv) using data mining, robots, or similar data gathering and extraction tools with respect to any portion of the website; (v) gaining unauthorized access to accounts, computer systems, or networks connected to any server or systems; or (vi) accessing materials, systems, data, or information not intended by SSCIP to be accessible to you or through any means not intentionally made available by SSCIP.
In addition, in using this website, you agree you will not: (i) upload or transmit any material that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity; (ii) create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any SSCIP representative, or falsely state or otherwise misrepresent your affiliation with a person or entity; (iii) upload or transmit any material that you do not have a right to reproduce, display, or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements); (iv) upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or the property of another; (v) upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of solicitation, commercial or otherwise; (vi) violate any applicable local, state, national, or international law or regulation; (vii) upload or transmit material that infringes any patent, trademark, service mark, trade secret, copyright, or other proprietary right of any party; or (viii) harvest or otherwise collect information about others, including e-mail addresses.
All trademarks, service marks, trade names, logos, and icons are proprietary to SSCIP. This proprietary information includes SSCIP.org domain name, logos, page headers, and graphics. Use of the trademarks, service marks, trade dress, or other logos displayed on this website, without prior written authorization of SSCIP or as otherwise provided herein, is strictly prohibited.
Any software accessible through this website is the property of SSCIP, or outside suppliers, and is protected by U.S. intellectual property laws and/or international treaties. Use of this software other than to utilize and navigate this website for its intended functions is prohibited, and you agree not to access this website’s content by any means other than the interface SSCIP has provided. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, or reverse engineer or otherwise attempt to discover the source code of this software. SSCIP does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction where such activity is prohibited by export laws and regulations. Accordingly, you shall not copy, transfer, or export this software in violation of any applicable export laws and regulations.
PASSWORDS AND SECURITY
SSCIP requests that you do not send it any information that you consider to be confidential or proprietary through this website or by email. You acknowledge that there is a risk that information provided through the website may be accessed by unauthorized third parties because such information is not encrypted. Please note that if you do send us any such information or material, we will assume it is not confidential. By sending us information or material, you grant SSCIP an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit, and distribute this material or information, and you also agree that SSCIP is free to use any ideas, concepts, know-how, or techniques that you send us for any purpose.
Except as expressly stated herein, the information contained on this website is not an offer to sell or a solicitation of an offer to buy any security, insurance product, or other product or service by SSCIP. No security, insurance product or other product or service is offered or will be sold by SSCIP or, if sold by such entity, will be effective in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction. Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws. Unless otherwise expressly set forth herein, SSCIP makes no representation that the materials on this website are appropriate or available for use in any location. Due to various insurance and other regulatory restrictions, certain products and services described on this website may vary by jurisdiction and may not be available in or suitable for all jurisdictions. Further, we make no representation that materials on this website are appropriate for use outside the United States, or that access to this website’s content is legal in all countries and/or territories. You may not use this website or export its materials in violation of United States export laws and regulations. Please contact a designated representative of SSCIP or your broker to find out which products and services are available to you in your jurisdiction.
Safe Harbor Statement. This website may from time to time contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (U.S.), which provides a statutory “safe harbor” for forward-looking statements. Any written or oral statements made by or on behalf of SSCIP reflect current views with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement.
CHOICE OF LAW
AGREEMENT TO ARBITRATE
This Policy applies only to information received and collected by SSCIP through this website.
SSCIP respects the privacy of our website visitors, and we are committed to protecting our visitors’ personal information. We want you to understand how and why we collect, use, and disclose the information we obtain about you from this website.
PERSONAL INFORMATION SSCIP COLLECTS ONLINE
Through this website, we may collect two types of information: non-personal information and personal information. Personal information is information that identifies or can be readily associated with a particular individual.
At times, SSCIP may ask you to provide a limited amount of personal information that could identify you, such as your name, address, e-mail address, and/or policy information. This information is collected only when you voluntarily provide it.
Personal information may be required for the use of certain services or to process certain transactions on this website. Users who do not wish to provide the required information are free to decline to provide such information, but may not be able to take advantage of the specific service or engage in that sort of transaction online as a result.
The personal information we collect may vary depending on how you use our website. Such information may include:
- Information we receive from individuals, such as their name, address, phone number
- Information about individuals’ transactions with us, with our affiliates, or with others, such as policy coverage, premium
Some customers may decide to allow us and/or certain of our strategic business partners to contact them by e-mail or telephone to keep them updated on our business. If you give us permission to share your e-mail address or other information with our business partners, they may also contact you with a variety of offers that may be of interest to you.
HOW SSCIP USES THE PERSONAL INFORMATION IT COLLECTS
We may use personally identifiable information from you for a limited number of purposes, including providing you with services or information and/or providing you with other information, opportunities, or services that may be of interest to you. We may also use the information we collect to respond to e-mails, provide customer support, and other similar business purposes.
Personal information you provide through this website may be combined with other personal information that we collect or receive about you through other methods, and such combined personal information may be used as described in this Policy.
COLLECTION AND USE OF NON-PERSONAL INFORMATION
Non-personal information is information that does not identify an individual and cannot be readily associated with a particular individual.
Data may be gathered using cookies and other similar technologies. A “cookie” is a piece of data that a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience. Many cookies last only through a single website session, or visit. Others may have an expiration date, or may remain on your computer until you delete them. Our cookies will track only your activity relating to your online activity on this website. Our cookies do not gather personal information.
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. However, if you choose to reject cookies, you may not be able to use certain of our website’s features. This information does not include your name, e-mail address, or any other personal information.
SSCIP also collects IP addresses as part of our efforts to maintain and improve the website. IP addresses are usually identified and logged automatically whenever a visitor accesses the website. The time of the visit and the page(s) visited may also be logged.
In addition to the information we collect automatically, we also obtain non-personal information that you provide to us online – for example, when you use our tools and calculators or communicate with us through the website. In some cases, we automatically retain the cookie information and/or the information you provide to us online – for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases, for example, when you use our tools and calculators, we only retain the cookie information and/or information you provide if you request that we do so for your use in subsequent sessions.
CONFIDENTIALITY AND SECURITY OF PERSONAL INFORMATION
We utilize physical, electronic, and procedural safeguards to protect your personal information and guard against its unauthorized access. However, no transmission of information over the Internet can be guaranteed to be totally secure, and we cannot ensure or warrant the security of any such transmission to the website. When you disclose information to us online, you do so at your own risk. If you have any reason to believe that your interaction with us is no longer secure, contact us immediately.
This Policy applies only to information collected through this website. It does not apply to any information you provide to websites on which SSCIP advertises, nor does it apply to information we collect through other communications with you, including e-mail communications, phone calls, or non-electronic written communications.
SSCIP reserves the right to change this Policy at any time without notice. Depending on the nature of the change, we may or may not announce the change on the home page of the SSCIP website. You can determine when this Policy was last revised by referring to the “Last Updated Date” below. It is your responsibility to visit the link at the bottom of the home page of this website to periodically review the most current version of this Policy.
Any changes to this Policy are effective upon the posting of the revised Policy on the SSCIP website. By continuing to use this website following such changes, you will be deemed to have agreed to the changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, please do not continue using this website.