By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. USE LICENSE
Permission is granted to temporarily download one copy of the materials (information or software) on Skyline Risk Management, Inc.'s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- modify or copy the materials;
- use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
- attempt to decompile or reverse engineer any software contained on Skyline Risk Management, Inc.'s web site;
- remove any copyright or other proprietary notations from the materials; or
- transfer the materials to another person or "mirror" the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Skyline Risk Management, Inc. at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on Skyline Risk Management, Inc.'s web site are provided "as is". Skyline Risk Management, Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Skyline Risk Management, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site. The information available on this website is not intended to constitute and should not be considered legal advice, nor is it intended as a substitute for obtaining legal advice from competent, independent legal counsel in the relevant jurisdiction. Transmission and receipt of this information is not intended to create and does not create an attorney-client relationship. Any information or inquiries that Skyline Risk Management receives from a user over our information systems is not considered to be, nor will be treated as, confidential.
In no event shall Skyline Risk Management, Inc. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Skyline Risk Management, Inc.'s Internet site, even if Skyline Risk Management, Inc. or a Skyline Risk Management, Inc. authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. REVISIONS AND ERRATA
The materials appearing on Skyline Risk Management, Inc.'s web site could include technical, typographical, or photographic errors. Skyline Risk Management, Inc. does not warrant that any of the materials on its web site are accurate, complete, or current. Skyline Risk Management, Inc. may make changes to the materials contained on its web site at any time without notice. Skyline Risk Management, Inc. does not, however, make any commitment to update the materials.
Skyline Risk Management, Inc. has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Skyline Risk Management, Inc. of the site. Use of any such linked web site is at the user's own risk.
7. RECOMMENDATION DISCLOSURE
Skyline Risk Management, Inc., including all of its subsidiaries and affiliates, maintains relationships with clients and business partners globally. When Skyline Risk Management, Inc. recommends or mentions a product or service provider, it is possible that the product or service is being offered by one of Skyline Risk Management, Inc.'s clients or business partners.
Skyline Risk Management, Inc. maintains a strict Code of Conduct covering many topics, including antitrust and competition law, conflicts of interest, anti-bribery, privacy, financial reporting, compliance with trade restrictions, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business.
If you have any questions about a Skyline Risk Management, Inc. endorsement of another company or about a business with whom Skyline Risk Management, Inc. conducts business, please follow-up with your Skyline Risk Management, Inc. representative. Skyline Risk Management, Inc. is committed to maintaining full transparency.
8. FEE/COMMISSION DISCLOSURE
The following disclosure is provided pursuant to Insurance Department Regulation No. 194 (11 NYCRR 30.1 et seq.):
Skyline Risk Management, Inc. (“the producer”) is an insurance producer licensed by the State of New York. Insurance producers are authorized by their license to confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. The role of the producer in any particular transaction typically involves one or more of these activities.
Compensation will be paid to the producer, based on the insurance contract the producer sells. Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. Such compensation may vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects. In some cases, other factors, such as volume of business a producer provides to an insurer or the profitability of insurance contracts a producer provides to an insurer also may affect compensation.
The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and (if applicable) compensation expected to be received based in whole or in part of any alternative quotes presented to the purchaser by the producer, by requesting such information form the producer.
Skyline Risk Management, Inc. facilitates the purchase of insurance coverage and risk management and other services for its clients and receives compensation for such placements from various sources depending on the circumstances surrounding the transaction. Compensation may vary, depending upon a number of factors including the insurance policy or contract our insured selects, the volume of business we provide to the insurer or affiliate or the profitability of the insurance policies or contracts that we provide. Commission income is fully earned at policy inception, or as per statutes. Upon request, you may obtain information about the compensation we are expected to receive, including based in whole or in part, on any alternate quotes we have secured on your behalf.
If you have any questions related to compensation we are receiving, please contact your Skyline Risk Management, Inc. representative.
9. CLIENT DATA, COMMECTION AND USE
Skyline Risk Management, Inc. gathers data containing information about its clients and their insurance placements, including, but not limited to, names, industry codes, policy types, and policy expiration dates, as well as information about the insurance companies that provide coverage to its clients or compete for its clients’ insurance placements. This information is maintained in one or more databases.
Skyline Risk Management, Inc. may use or disclose information about its clients, if required to do so by law, Skyline Risk Management, Inc. policy, pursuant to legal process or in response to a request from law enforcement authorities or other government officials. In addition to being used for the benefit of Skyline Risk Management, Inc.’s clients, these databases also may be accessed by other Skyline Risk Management, Inc. affiliates for other purposes, including providing consulting, and other services to insurance companies for which Skyline Risk Management, Inc. or its affiliates may earn compensation.
Due to the global nature of services provided by Skyline Risk Management, Inc., the personal information Client may provide may be transmitted, used, stored and otherwise processed outside the country where Client submitted that information.
For further information regarding Skyline Risk Management, Inc.'s data privacy practices, please see Skyline Risk Management, Inc.'s Privacy Statement.
11. GOVERNING LAW
Any claim relating to Skyline Risk Management, Inc.'s web site shall be governed by the laws of the State of New York without regard to its conflict of law provisions.