1. License
SIR grants, and the Member hereby accepts, a nonexclusive, nontransferable, revocable license to use the software, data, and documentation contained in SIR Members Section on the terms and conditions set out in this Agreement.

2. Termination
SIR may at its sole discretion terminate this license at any time, with or without prior notification, in the event the Member fails to comply with the terms and conditions of this Agreement, by de-activating the User's username and password or suspending operation of the system.

3. Changes to This Agreement
SIR reserves the right to change the terms of this Agreement or to modify any features of this service at any time. By continuing to use this service after posting of notices regarding such changes, the Member agrees to be bound by such changes.

4. Copyright and Restrictions
All data on file in the SIR Members Section, and all documentation and software therein, is the property of the Society of Insurance Research or its Licensors ("Licensors"), and is protected by copyright and other intellectual property laws. Information received through SIR Members Section is to be used solely for individual personal or business purposes. None of the content of SIR Members Section may be reproduced, transcribed, stored in a retrieval system, translated into any language or computer language, retransmitted in any form or by any means (electronic, mechanical, photocopied, recorded, or otherwise), resold, or redistributed without the prior written consent of SIR, except that the Member may reproduce limited excerpts of the data for individual personal or business use only.

For information obtained from Licensors the Member is solely responsible for compliance with any copyright restrictions and is referred to the publication data appearing in bibliographic citations, as well as to the copyright notices appearing in the original publications.

5. Protection and Security
The Member shall take all reasonable steps to ensure that no unauthorized person shall have access to SIR Members Section. The Member shall not divulge sub-license, assign or transfer to any third party the Member name and password established during registration. The Member understands that provision of the Member name and password will be required prior to each use of SIR Members Section.

6. Warranty Disclaimer
Information on SIR Members Section is generated not only through internal resources of SIR, but also through external consultants and third party sources. Inherent hazards of electronic distribution may result in delays, omissions or inaccuracies in such information and SIR Members Section. The opinions expressed on SIR Members Section are those of the individual authors and contributors and not necessarily those of SIR.

ALL DATA, SOFTWARE, AND DOCUMENTATION IN SIRNET ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. SIR AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO SIRNET, OR THE USE THEREOF. NEITHER SIR NOR ITS LICENSORS SHALL BE LIABLE UNDER ANY CLAIM, DEMAND, OR ACTION ARISING OUT OF, OR RELATING TO, THE PERFORMANCE OF SIRNET OR THE LACK THEREOF OR ANY DELAY IN ACCESS TO IT UNDER THIS AGREEMENT FOR DIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS OR OTHER DAMAGES CAUSED BY THE INABILITY TO USE SIRNET, WHETHER OR NOT SIR OR ITS LICENSORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH CLAIM, DEMAND, OR ACTION. NEITHER SIR NOR ITS LICENSORS MAKES ANY WARRANTY THAT SIRNET IS COMPATIBLE OR OPERABLE WITH THE USER'S COMPUTER EQUIPMENT OR SOFTWARE, OR THAT SIRNET WILL PERFORM WITHOUT INTERRUPTION OR FREE OF ERRORS.

No representative of any party involved in the distribution of SIR Members Section is authorized to make any warranties with respect to the service beyond those contained in this Agreement. Oral statements do not constitute warranties, shall not be relied upon by the Member, and are not a part of this Agreement.

7. Fees and Payments
SIR Members Section is currently free to all members. SIR reserves the right to charge for SIR Members Section in the future; however, in such event, SIR will notify the Member in advance and give the Member an opportunity to subscribe to this service.

8. SIR Members Section
SIR Members Section is provided solely for educational and informational purposes. SIR Members Section does not verify the credentials of individuals, nor do the views expressed by SIR Members Section members necessarily reflect the views of their organizations or of SIR.

The Member is entirely liable for all activities conducted through any names registered to your e-mail address ("Account"). The following Rules apply while using any SIR Members Section:

A. The Member may post messages to SIR Members Section containing only content (including but not limited to text, content, photos, video, animation, graphics, audio or software) ("Content") that does not contain scandalous, libelous, defamatory, false, obscene, indecent, lewd, pornographic, excessively violent, abusive, threatening, harassing, disruptive or unlawful matter, is not subject to any patent, trademark, copyright or other proprietary or privacy rights of a third party ("Rights"), or Content in which any holder of Rights has given the Member express authorization for distribution on an SIRNet Section. By submitting Content to any part of any SIR Members Section, the Member automatically grants or warrants that the owner of such Content has expressly granted SIR Members Section a royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, transmit and display such Content (in whole or part) and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any Rights that may exist in such Content.

B. The Member must evaluate and bear the risk associated with the accuracy, completeness, or usefulness of any Content. The Member agrees that the Member will indemnify and hold harmless SIR from any and all liability resulting from the submission, publication, distribution and redistribution of any such Content.

C. In cases where the Member has allowed any other individual to use the Member's Account, or has negligently made the Member's password publicly available, the Member recognizes that the Member is fully responsible for: (i) the online conduct of such Member; (ii) controlling the user's access to and use of SIR Members Section; and (iii) the consequences of any misuse. The Member further recognizes that the Member, as the holder of the Account, is entirely responsible for activities conducted through such Account.

D. The Member agrees and understands that SIR reserves the right to reject, modify, edit and/or alter any submission to any SIR Members Section before or after its publication within an SIR Members Section without gaining agreement from the Member and/or the provision of notice or reason.

9. General
If any provision of this Agreement is determined to be invalid under any statute or rule of law, the same shall be deemed omitted and the remaining provisions shall continue in full force and effect.

This Agreement shall be deemed to be made in the United States and shall in all respects be interpreted, construed, and governed by and in accordance with the laws of the United States applicable to contracts executed and to be wholly performed therein.

This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior agreements, oral or written, and all other communications relating to the subject matter hereof. No amendment or modification of any provision of this Agreement will be effective unless set forth in a document that purports to amend this Agreement and both parties accept that hereto.

This Agreement is personal to you and you may not assign your rights or obligations to anyone.