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User Agreement

While Risico Insurance Services, Inc., strives for accuracy, it does not warrant or guarantee the accuracy or completeness of any information or database accessible through this web site. Nor does Risico Insurance Services, Inc., guarantee or warrant that any files available for downloading will be free of defects or that the web site will be timely or uninterrupted. While we take reasonable steps to ensure that no viruses, worms, Trojan horses or other destructive properties are present, the entire risk as to the quality, security, availability and performance of the web site and the accuracy and completeness of any information is with the viewer or user of the web site.

THE WEB SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE MAKE NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, OR WARRANTIES REGARDING THE ACCURACY, AVAILABILITY, RELIABILITY OR COMPLETENESS OF THE CONTENT OR ANY OTHER SERVICE OR PRODUCT ON OR RELATED TO THE WEB SITE (INCLUDING ANY LINK TO ANOTHER WEB SITE OR RESOURCE).

In no event will Risico Insurance Services, Inc., be liable for (i) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the web site, or any information or services provided on the web site, even if Risico Insurance Services, Inc., has been advised of the possibility of such damages, or (ii) any claim attributable to errors, omissions, or other inaccuracies related to the content accessible through Risico  Insurance Services, Inc. Any liability of Risico Insurance Services, Inc., based on a claim brought by you in connection with your use of the site, shall be limited to the amount paid by you, if any, for use of the site or any of its products during the one-year period immediately preceding the alleged damage. Some jurisdictions do not allow the exclusion of certain warranties or liabilities, so some of the above may not apply to you.

Indemnification

You agree to indemnify and hold harmless Risico Insurance Services, Inc., from and against any and all liability, loss, claims, damages, costs and/or actions (including attorneys’ fees) based upon or arising out of any breach by you of your obligations under this Agreement. We reserve the right to defend any such claim, and you agree to provide us with such reasonable cooperation and information as we may request.

Jurisdiction

This Agreement between Risico Insurance Services, Inc., and its users will be governed and interpreted under the laws of the state of California, without regard to its conflict of laws provisions. Any action brought in connection with this Agreement shall be filed within one year of the date of the alleged injury, regardless of any statute of limitations, and filed in the Superior Court of the State of California, County of Fresno or U.S. District Court for the State of California, Eastern District, 9th Judicial District.