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Terms of Use

By using our site, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you shall not use this site. The term "QRM" or "us" or "we" or "our" refers to Quantitative Risk Management, Inc., the owner of the Website. The term "you" or "your" refers to the user or viewer of our Website.

Changes to the Terms of Use
We may change these Terms of Use at any time. You can review the most current version of these terms by clicking on the "Terms of Use" hypertext link located at the bottom of our web pages. You are responsible for checking these terms periodically for changes. If you continue to use qrm.com after we post changes to these Terms of Use, you are signifying your acceptance of the new terms.

Acceptance of Agreement
You agree to the terms and conditions outlined in this Terms of Use Agreement ("Agreement") with respect to our Website (the "Site"). This Agreement constitutes the entire and only agreement between QRM and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site; the content, products or services provided by or through the Site; and the subject matter of this Agreement.

Terms of Use Agreement
You may not, in any manner, copy, reproduce, republish, upload, transmit, replicate, distribute or use for the creation of any derivative work any portion of this Site or any content in or available through the Site without QRM's prior written consent. Notwithstanding the foregoing, QRM grants you revocable, non-exclusive, non-transferable, limited permission to access and display the Web pages within this Site, solely on your computer and solely for your personal, non-commercial use of this Site. This permission is conditioned on your not attempting to modify any of the content displayed on this Site, your keeping intact all copyright, trademark, and other proprietary notices, and your acceptance of any terms, conditions, and notices accompanying the content or otherwise set forth in this Site. Notwithstanding the foregoing, any software and other materials that have their own license terms, conditions or notices and are made available for downloading, access, or other use from this Site, will be governed by such terms, conditions, and notices. You agree that you will use such software or other materials only in accordance with such terms, conditions, and notices.

Your failure to comply with the terms, conditions, and notices on this Site will result in automatic termination of any rights granted to you, without prior notice, and you must immediately destroy all copies of downloaded materials in your possession or control. Except for the limited permission in the preceding paragraph, QRM does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. You may not mirror any of the content from this Site on another Site or in any manner or other form or media.

Disclaimer of Warranties
THE MATERIALS CONTAINED ON OR AVAILABLE THROUGH THE WEBSITE ARE INTENDED SOLELY AS A LEARNING AID AND DO NOT CONSTITUTE RISK MANAGEMENT, INVESTMENT, FINANCIAL, BUSINESS OR OTHER ADVICE. THEY HAVE NOT BEEN WRITTEN FOR THE PURPOSE OF ASSISTING WITH ANY DECISION REGARDING THE ADVISABILITY OF ENTERING INTO OR REFRAINING FROM ENTERING INTO ANY TRANSACTION OR WITH THE MAKING OF ANY RISK MANAGEMENT, INVESTMENT, FINANCIAL, BUSINESS OR OTHER DECISION. GIVEN THEIR LIMITED NON-COMMERICAL PURPOSE, THESE WEBSITE MATERIALS MAY NOT PRESENT ALL EXCEPTIONS, QUALIFICATIONS OR OTHER RELEVANT INFORMATION THAT MAY AFFECT THEIR UTILTITY IN ANY PARTICULAR SITUATION. ACCORDINGLY, QRM ASSUMES NO RESPONSIBILITY FOR ANYONE'S RELIANCE ON ANY PORTION OF THESE WEBSITE MATERIALS AND STRONGLY ENCOURAGES YOU TO VERIFY ALL ITEMS BY REVIEWING ADDITIONAL AND ORIGINAL SOURCES BEFORE USING ANY WEBSITE INFORMATION.

YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE, INCLUDING THE INFORMATION, SERVICES AND CONTENT IS PROVIDED ON AN "AS IS", "AS AVAILABLE" AND "WITH ALL FAULTS" BASIS. QRM DISCLAIMS ALL EXPRESS OR IMPLIED CONDITIONS, REPRESENTATIONS, AND WARRANTIES OF ANY KIND, INCLUDING ANY IMPLIED WARRANTY OR CONDITION OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. QRM MAKES NO REPRESENTATIONS, WARRANTIES, CONDITIONS OR GUARANTEES AS TO THE USEFULNESS, QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF THE INFORMATION PRESENTED ON OR AVAILABLE THROUGH THE WEBSITE.

QRM MAKES NO WARRANTY OR REPRESENTATION THAT: (a) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; OR (b) ANY ERRORS IN THE WEBSITE WILL BE CORRECTED.

YOU ASSUME ALL RISK  FOR ANY DAMAGE (1) TO YOUR COMPUTER SYSTEM OR LOSS OF DATA, INCLUDING BUT NOT LIMITED TO ANY DAMAGES RESULTING FROM COMPUTER VIRUSES ACQUIRED WHILE USING THE WEBSITE OR OBTAINING ANY CONTENT FROM THE WEBSITE,  OR (2) ARISING FROM YOUR USE OR DISCLOSURE OF ANY PORTION OF THE WEBSITE OR MATERIALS AVAILABLE ON OR THROUGH THE WEBSITE.

Limited License; Permitted Uses
You are granted a non-exclusive, non-transferable, revocable license (a) to access and use the Site strictly in accordance with this Agreement; (b) to use the Site solely for your internal, personal, non-commercial purposes; and (c) to print out discrete information from the Site solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. You may not in any manner disseminate, replicate or reproduce any information contained on or available through the Website, except as expressly provided herein. QRM may revoke such license at any time and for any reason, without advance notice. Such license is automatically revoked in the event that you attempt to use any portion of the Website or information available through the Website contrary to the terms of this Agreement. In the event of any termination of your Site license, (a) you may no longer attempt to access the Site or use the Site or information available through or previously obtained through the Site for any purpose, (b) you shall remain bound by the terms of this Agreement, (c) you may be liable to QRM for damages arising from your misuse of the Site, and (d) QRM shall retain all legal and equitable remedies otherwise available to QRM. No printout or electronic version of any part of the Site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.

Dispute Resolution
You agree that any dispute with QRM arising from or related to your use of the Site shall be resolved pursuant to Illinois law and in a court located within Cook County, Illinois.

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