Privacy Policy

The terms of this page shall govern the conditions subject to which Innovative Risk Management, Inc. (together with its affiliates and subsidiaries "IRM" or "we") provide the information on this website, and which shall govern your use of it, subject to applicable law. Use of this site shall constitute your ongoing agreement to these terms and conditions. These terms and conditions, as well as any and all other content, function, feature or other aspect of this website, are subject to change at any time without prior notice, to be effective when posted.

Availability of products and services

Information on this website should not be viewed as an offer to sell or as a solicitation to purchase any product(s) and/or service(s). Any descriptions of policies or insurance coverage on the website are for general informational purposes only and are not intended to and shall not be construed to alter or supplement the terms of any insurance contract. Eligibility for insurance coverage and/or other services is subject to general availability which may vary from state to state, and to a review of applicants’ underwriting qualifications by IRM, and/or the insurance companies with which IRM does business. Nothing on this website is intended to or should be construed to determine applicability of any coverage to a particular claim or loss, or type of claim or loss. The determination of coverage is subject to applying policy terms to the facts and circumstances particular to a given claim or loss.

Intellectual property rights; linking to and from the website

All of the information and content on this website and all rights to it are owned by IRM or its affiliates or their respective licensors, and are protected by copyright under United States law. You may refer to, cite or print and use such information and content for your personal, non-commercial use, provided that you make appropriate attribution, and that you not remove any copyright, trademark and other proprietary notices. You may not copy, alter, extract, exhibit, publish, sell or otherwise use any information or content of the site for any commercial purpose not directly relating to transacting business with IRM.

Innovative Risk Management is a registered trademark of IRM. Nothing on this website grants you any right or license to use such trademark, or any other trademarks, service marks, trade names, logos, URLs, domain names or icons appearing on this site, whether registered or not.

You may link to provided that a user of such link would clearly understand that they are exiting the linked from site and entering this site, that you do not frame or in-line this site, and that you create no false association or endorsement or otherwise misrepresent your relationship with IRM. IRM may permit linking from or to other websites. IRM does not necessarily endorse, and makes no representations or warranties of the functionality, privacy, security, or any other quality of such websites, your use of which shall be solely at your own risk.

Cookies and privacy

We may gather non-personally identifiable information of visitors to this site, such as IP address, browser type, and referring page. We also may use cookies and other similar technologies to facilitate the functioning of the website and to better understand users’ experiences with it. IRM does not store any personally identifiable information in these cookies.

Warranty & Liability - Disclaimer

We specifically disclaim any and all warranties as to this website, its content and functionality, and your use of it. We provide this website, and all of its content and functionality on an "as is" basis. IRM shall not be liable for errors or omissions in this information or for any losses or damages, direct or otherwise, resulting from your or any third party’s use or misuse of, or reliance on this website, its content, functionality or any of its features, except as may be otherwise required by law. No warranty of merchantability, fitness for a particular purpose, non-infringement, absence of computer viruses or similar disabling devices, confidentiality, freedom from interception, or any other type of warranty, express or implied, shall apply to any use of this website, or any of its information, content or functionality. You are solely and independently responsible for evaluating the quality of any and all information and content on this website.

IRM expressly disclaims any and all liability of any nature, contract, tort, or otherwise, for any damages, losses or expenses relating to your use of or attempt to use this site, or any site linked to or from this site, or in connection with any performance failure, error, omission, interruption, virus, defect, or delay in operation or transmission (irrespective of our awareness of them) of or relating to this or other such sites.

Choice of law and venue

This website is controlled and operated from within the United States. We make no representation that the website is appropriate, legal or available for use outside of the United States. You may not use the website or export the website materials in violation of U.S. export laws and regulations. If you access this website from locations outside of the U.S., you are responsible for compliance with all local laws. The use of this website, and any disputes, claims or suits arising from it shall be governed by the laws of the United States and of the State of Texas, without giving effect to its conflict of laws provisions. State and federal courts sitting in the county of Dallas, State of Texas, shall be the exclusive venue for resolution of any and all such disputes, claims, or suits. The terms of this web page constitute the entire agreement between you and IRM with respect to your use of the website.