Terms Of Use

I. AGREEMENT BETWEEN USER AND PINNACLE ACTUARIAL RESOURCES, INC.

The Pinnacle Actuarial Resources, Inc. website (the “Website”) is comprised of various pages operated by Pinnacle Actuarial Resources, Inc. In consideration of Pinnacle Actuarial Resources, Inc.’s offer of access to the Website, you hereby agree to and accept, comply with and be bound by each and every one of the terms, conditions, and notices contained in these Pinnacle Actuarial Resources, Inc. Website Terms of Use (the “Terms of Use”).

II. MODIFICATION OF THESE TERMS OF USE

Pinnacle Actuarial Resources, Inc. reserves the right to revise, supplement, change or rescind any or all of the Terms of Use from time to time as it deems appropriate, in its sole and absolute discretion. These Terms of Use supersede all prior versions of the Terms of Use. Pinnacle Actuarial Resources, Inc. further reserves the right to revise, supplement, change or rescind the charges associated with the use of the Website from time to time as it deems appropriate, in its sole and absolute discretion.

III. LINKS TO THIRD PARTY SITES

The Website may contain links to other websites (collectively the "Linked Sites" and each individually a “Linked Site”). The Linked Sites are not under the control of Pinnacle Actuarial Resources, Inc. Pinnacle Actuarial Resources, Inc. is not responsible for the contents of the Linked Sites, including without limitation any link contained in any of the Linked Sites, or any changes or updates to any of the Linked Sites. Pinnacle Actuarial Resources, Inc. is not responsible for webcasting or any other form of transmission received from any Linked Site. Pinnacle Actuarial Resources, Inc. is providing links to the Linked Sites to you only as a convenience. Pinnacle Actuarial Resources, Inc. makes no representations, warranties or guaranties of any kind regarding the accuracy of any information or content contained on any Linked Site.

IV. NO UNLAWFUL OR PROHIBITED USE

By accessing the Website, you agree and warrant to Pinnacle Actuarial Resources, Inc. that you will not use the Website, or any information or content contained on the Website for any purpose that is unlawful or otherwise prohibited by Terms of Use. Use of the Website or any information or content contained on the Website in any manner which could damage, disable, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website is strictly prohibited. Pinnacle Actuarial Resources, Inc. reserves the right to withhold access to the Website from any party who fails to comply with the provisions of this Article as well as seek all available legal remedies for any violation of this terms of this Article.

V. FILE UPLOAD POLICY

The Website contains file upload features.

By accessing the Website, you agree:

  • To NOT upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  • To NOT upload files that contain viruses, corrupted files, or any other similar software or programs that may damage or compromise the operation of another's computer.
  • To NOT upload any files that violate any applicable laws or regulations or take any other action regarding the uploading of files that constitutes a violation of any applicable laws or regulations.

Pinnacle Actuarial Resources, Inc. reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request.

VI. MATERIALS PROVIDED TO PINNACLE ACTUARIAL RESOURCES, INC. OR POSTED AT ANY PINNACLE ACTUARIAL RESOURCES, INC. WEBSITE

Pinnacle Actuarial Resources, Inc. does not claim ownership of the materials you provide to Pinnacle Actuarial Resources, Inc. (including feedback and suggestions) or post, upload, input or submit to the Website or its associated services (collectively "Submissions" and each individually a “Submission”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Pinnacle Actuarial Resources, Inc., its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

By posting, uploading, inputting, providing or submitting your Submission to the Website and/or Pinnacle Actuarial Resources, Inc., you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

You understand and agree that by posting, uploading, inputting, providing or submitting your Submission to the Website, you waive any and all rights you may have to receive any compensation from Pinnacle Actuarial Resources, Inc. with respect to the use of your Submission. Pinnacle Actuarial Resources, Inc. is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Pinnacle Actuarial Resources, Inc.'s sole discretion.

VII. LIABILITY DISCLAIMER

BY ACCESSING THE WEBSITE, YOU ACKNOWLEDGE AND AGREE THAT THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU FURTHER ACKNOWLEDGE THAT CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE. YOU ACKNOWLEGE AND AGREE THAT PINNACLE ACTUARIAL RESOURCES, INC. AND/OR ITS SUPPLIERS MAY, IN THEIR SOLE DISCRETION, MAKE IMPROVEMENTS AND/OR CHANGES TO THE WEBSITE AT ANY TIME. BY ACCESSING THE WEBSITE, YOU FURTHER ACKNOWLEDGE AND AGREE THAT ADVICE RECEIVED VIA THE WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

BY ACCESSING THE WEBSITE, YOU AGREE THAT PINNACLE ACTUARIAL RESOURCES, INC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. BY ACCESSING THE WEBSITE, YOU FURTHER AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. PINNACLE ACTUARIAL RESOURCES, INC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEBSITE, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

BY ACCESSING THE WEBSITE, YOU AGREE TO FOREVER RELEASE AND DISCHARGE PINNACLE ACTUARIAL RESOURCES, INC. AND EACH OF ITS RESPECTIVE EMPLOYEES, PRINCIPALS, AGENTS, ATTORNEYS, SHAREHOLDERS, OFFICERS, DIRECTORS, MEMBERS, MANAGERS, OWNERS, CONTROLLING PERSONS, GUARANTORS, INSURERS, PARENT COMPANIES, SUBSIDIARIES AND AFFILIATES, AND EACH OF THEIR RESPECTIVE HEIRS, SUCCESSORS AND ASSIGNS FROM ANY AND ALL CLAIMS, DEMANDS, RIGHTS, LIENS, AGREEMENTS, COVENANTS, ACTIONS, SUITS, CAUSES OF ACTION, OBLIGATIONS, DEBTS, COSTS, EXPENSES, ATTORNEYS FEES, DAMAGES, JUDGMENTS, ORDERS AND LIABILITIES OF WHATEVER KIND OR NATURE IN LAW, EQUITY OR OTHERWISE THAT YOU AND YOUR RESPECTIVE AGENTS, ATTORNEYS, HEIRS, BENEFICIARIES, SUCCESSORS AND ASSIGNS, OR ANYONE CLAIMING ON THEIR BEHALF, EVER HAD, NOW HAS, OR IN THE FUTURE MAY HAVE, WHETHER FIXED OR CONTINGENT, LIQUIDATED OR NOT, KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, BASED ON, ARISING OUT OF, OR DIRECTLY OR INDIRECTLY RELATING TO YOUR ACDESS TO AND USE OF THE WEBSITE OR ANY INFORMATION, CONTENT, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR OBTAINABLE THROUGH THE WEBSITE. THE RELEASED AND DISCHARGED CLAIMS INCLUDE, BUT ARE NOT LIMITED TO ANY AND ALL CLAIMS FOR ANY FORM OR THEORY OF RECOVERY, OR CAUSE OF ACTION WHATSOEVER, WHETHER BASED ON TORT, CONTRACT, MUNICIPAL CODE, STATE LAW, FEDERAL LAW OR OTHERWISE, RELATING TO OR ARISING IN ANY WAY FROM YOUR ACCESS TO AND USE OF THE WEBSITE OR ANY INFORMATION, CONTENT, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR OBTAINABLE THROUGH THE WEBSITE, AS WELL AS ANY AND ALL CLAIMS FOR ACTUAL DAMAGES, COSTS, FEES, ATTORNEY’S FEES, INTEREST, COMPENSATORY DAMAGES, TREBLE DAMAGES, PUNITIVE DAMAGES, EXEMPLARY DAMAGES, LOSS OF USE, AND ANY AND ALL OTHER TYPES AND KINDS OF DAMAGES.

SERVICE CONTACT : websupport@pinnacleactuaries.com

VIII. TERMINATION/ACCESS RESTRICTION

Pinnacle Actuarial Resources, Inc. reserves the right, in its sole discretion, to terminate your access to the Website and the related services or any portion thereof at any time, without notice.

By accessing the Website, you agree that the Website and these terms of use shall be governed by and construed in accordance with the laws of the state of Illinois, excluding the body of law controlling conflicts of law. The various provisions, articles and subparts of these Terms of Use are severable and, if any provision, article or subpart thereof is held to be unenforceable by a court of competent jurisdiction, then such enforceability shall not affect the validity or enforceability of the remaining provisions, articles or subparts thereof in these Terms of Use. Any provision, article or subpart of these Terms of Use that is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, will be deemed superseded by a valid, enforceable provision, article or subpart that most closely matches the intent of the original provision., article or subpart Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms of Use, including without limitation this paragraph.

By accessing the Website, you further agree that, in all disputes arising out of or relating to the use of the Website, jurisdiction and venue shall be proper exclusively in McLean County, Illinois.

By accessing the Website, you agree that no joint venture, partnership, employment, or agency relationship exists between you and Pinnacle Actuarial Resources, Inc. as a result of your agreement to be bound by these Terms of Use or your use of the Website. You further agree that Pinnacle Actuarial Resources, Inc.'s adherence to these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of Pinnacle Actuarial Resources, Inc.'s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by Pinnacle Actuarial Resources, Inc. with respect to such use.

By accessing the Website, you agree that unless otherwise specified herein, these Terms of Use constitute the entire agreement between you and Pinnacle Actuarial Resources, Inc. with respect to the Website or any information, content, software, products, services and related graphics contained on or obtainable through the Website. You further agree that these Terms of Use supersede all prior or contemporaneous agreements, understandings, communications or proposals, whether electronic, oral or written, between you and Pinnacle Actuarial Resources, Inc. with respect to the Website. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You further agree that these Terms of Use and all related documents be drawn up in English.