Terms of Use

The site (the “website”) is made available by Willis Towers Watson plc. and its majority-owned subsidiaries (“WTW”). All content, information and software provided on and through the website (“content”) may be used solely under the following terms and conditions (“Terms of Use”).

YOUR USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU SHOULD IMMEDIATELY DISCONTINUE YOUR USE OF THIS WEBSITE.

Website License. As a user of this website, you are granted a nonexclusive, nontransferable, revocable, limited license to access and use the website and content in accordance with these Terms of Use. WTW may terminate this license at any time for any reason.
Limitations on Use. The content on this website is for personal use only and not for commercial exploitation. You may use this site for your own personal use or your organization’s internal use only. You may not decompile, reverse-engineer, disassemble, rent, lease, loan, sell, sublicense or create derivative works from the website or the content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage or users. You may not use any robot, spider, or other automatic or manual device or process to monitor or copy the website or the content without WTW’s prior written permission. You may not print, download, copy, modify, reproduce, republish, distribute, display, or transmit for commercial, nonprofit or public purposes all or any portion of the website, except to the extent permitted above. You may not use or otherwise export or re-export the website or any portion thereof, the content or any software available on or through the website in violation of the export control laws and regulations of the United States of America. Any unauthorized use of the website or the content is prohibited.
Not Professional Advice. The website and the content do not constitute accounting, broking, consulting, investment, insurance, legal, tax or any other type of professional advice, and should be used only in conjunction with the services of a WTW consultant and any other appropriate professional advisors who have full knowledge of the user’s situation. The accuracy, completeness, adequacy or currency of the website or the content is not warranted or guaranteed. Your use of the content, the website or materials linked from the website is at your own risk.
Product and Service Availability. Some products and services described in this website may not be available in all jurisdictions. The services and products described and information provided through this website are not directed to and are not intended for distribution to, or use by, any person or entity in any jurisdiction:
- Where such distribution or use would be contrary to law, rule or regulation (“laws”), or that would subject WTW to any registration requirement within such jurisdiction; or
- Where WTW is not authorized to provide such information, products or services.
Persons who access this website are deemed to do so on their own initiative and are responsible for compliance with all applicable laws. Materials from this website may be subject to controls imposed by the United States or other jurisdiction, and may not be exported to any jurisdiction or to anyone prohibited by law. WTW expressly prohibits the downloading or exporting of material from this website in violation of the laws of any applicable jurisdiction, including U.S. export laws. By downloading material from this website, you warrant that you are doing so in full compliance with the laws of the United States and your resident jurisdiction.
Intellectual Property Rights. All content, unless otherwise indicated, is protected by law including, but not limited to, United States copyright, trade secret, patent and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided in this Terms of Use or the website, WTW does not grant any express or implied rights to you under any patent, copyright, trademark or trade secret information. Accordingly, any unauthorized use of the website or the content may violate copyright laws, trademark laws, patent laws, trade secret laws, or laws relating to privacy and publicity.

By submitting content to a forum or any other portion of the website, you automatically grant WTW a royalty-free, perpetual, irrevocable, nonexclusive right and license to use, reproduce, modify, adopt, publish, edit (for length or clarity), translate, create derivative works from, distribute, redistribute, transmit, perform and display such content (in whole or in part) worldwide 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 my exist in such content. WTW reserves the right to remove any content submitted to the website at any time for any reason.
Registration. Certain sections of the website require you to register. If registration is requested, you agree to supply WTW with accurate and complete registration information. It is your responsibility to inform WTW of any changes to that information. You are responsible for maintaining the confidentiality of your account number and/or password. You are responsible for all uses of your account, whether or not actually or expressly authorized by you. WTW reserves the right to refuse registrations or subscriptions.
Errors and Corrections. WTW does not represent or warrant that the website will be error-free, free of viruses or other harmful components, or that defects will be corrected. WTW does not warrant or represent that the content and any information available on or through the website will be correct, accurate, timely or otherwise reliable. WTW may make changes to the content or the website at any time.
Third-Party content. Third-party content may appear on or be accessible from the website. WTW is not responsible for and assumes no liability for any third-party content. The website may provide access or links to other sites operated by third parties on the Internet. In each case, you are responsible for locating, reading and adhering to the terms of use of each third-party site you visit.
DISCLAIMER. THE WEBSITE AND THE CONTENT IS PROVIDED ON AN "AS-IS" BASIS. WTW EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WTW DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR ANY WAY RELATED TO: (A) ANY ERRORS IN OR OMISSIONS FROM THIS WEBSITE AND THE CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS; (B) ANY THIRD-PARTY WEBSITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS IN THIS WEBSITE, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM; (C) THE UNAVAILABILITY OF THE WEBSITE OR ANY PORTION THEREOF; (D) YOUR USE OF THIS WEBSITE; OR (E) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THE WEBSITE.
LIMITATION OF LIABILITY. WTW SHALL NOT BE LIABLE FOR ANY LOSS, INJURY, CLAIM, LIABILITY OR DAMAGE OF ANY KIND RESULTING FROM YOUR USE OF THE WEBSITE OR THE CONTENT. WTW SHALL NOT BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS' FEES) IN ANY WAY DUE TO, RESULTING FROM OR ARISING IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE WEBSITE OR THE CONTENT. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, WTW'S SOLE OBLIGATION TO YOU FOR DAMAGES SHALL BE LIMITED TO $1,000.00 USD.
Unlawful Activity. WTW reserves the right to investigate complaints or reported violations of the Terms of Use and to take any action we deem appropriate.
Remedies for Violations. WTW reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including but not limited to the right to block access from a particular Internet address to WTW’s websites and their features.
Governing Law and Jurisdiction. These Terms of Use have been made in and shall be construed and enforced in accordance with United States of America federal law and New York state law without regard to the conflict of law provisions thereof. Any action to enforce this agreement shall be brought in the appropriate United States federal or local courts with jurisdiction in New York, New York.
Privacy. Your use of the website is subject to WTW's Privacy and Cookie Policy, which is available on WTW’s website.
Severability of Provisions. These Terms of Use incorporate by reference any notices contained on the website and the Privacy Policy. These terms constitute the entire agreement between you and WTW with respect to access to, and use of, the website. If any provision of these Terms of Use is unlawful, void or unenforceable, or conflicts with any other provision of the Terms of Use, then the unlawful, void, unenforceable or conflicting provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.
Modifications to Terms of Use. WTW reserves the right to change these Terms of Use at any time. Updated versions of the Terms of Use will appear on this website and are effective immediately. You are responsible for regularly reviewing the Terms of Use. Continued use of the website after any such changes constitutes your acceptance of such changes.
United Kingdom. One of the WTW group companies is Willis Limited, which is a Lloyd's Insurance Broker, authorised and regulated by the Financial Conduct Authority in the United Kingdom.

No part of this site may be reproduced or transmitted in any form or by any means, electronic or mechanical, which includes but is not limited to facsimile transmission, photocopying, recording, rekeying or using any information storage or retrieval system, without express written permission from the copyright owner. Requests for permission or further information should be directed to the Webmaster at webmaster@wtwco.com.