Terms & Conditions of Use

1. You Accept Posted Terms. Any time you make use of this Site, you, on behalf of yourself and your organization, agree to comply with and be bound by the Terms in effect on your date of access (see “effective date” above). If you do not agree to be bound by the Terms or do not have the authority to bind your organization to these Terms, you should not access or view this Site.
2. You Accept Amendments to Terms. Please be aware that MMC may amend the Terms from time to time. While, at its sole discretion, MMC may require you to directly acknowledge your acceptance of these Terms, including upon material changes to the Terms, you are on notice that your ongoing use of the Site alone constitutes your acceptance of the Terms and any changes. If we make changes to these Terms, we will update the “Effective Date” at the top of the page. Accordingly, please continue to review the Terms whenever accessing the Site.
3. You are Legally Capable of Accepting the Terms. You are at least 18 years old and/or possess the legal authority to form legally binding contracts under applicable law to use this Site.
4. Your Other Written Agreements are Separate From These Terms. These Terms govern your use of this Site specifically and are separate from the terms or conditions of any other agreements you or your organization may have entered into with MMC.
5. Third party provider Sites. In the event that the Site is operated on our behalf by a third party provider, you agree to any terms of use posted by the third party provider as well.

6. Your Account. In order to use this Site, you may be required to register an account. You are entirely responsible for maintaining the confidentiality of your login credentials and for all activities undertaken by any party using your account. You agree to notify MMC immediately if you become aware of any unauthorized use of your account or other breach of security. MMC will not be liable for any loss you incur based on another party’s use of your account, either with or without your consent, but your actions may make you liable for losses sustained by MMC or others. You agree not to use anyone else's account without the express permission of the account holder and MMC’s authorization.
7. Prohibited Uses. You agree not to make any use of this Site that:
• is illegal, fraudulent, or abusive;
• is defamatory or obscene;
• could compete with the business of MMC, its business partners, or licensees;
• offers Site access or content for sale, assignment, sublicensing, or otherwise makes the content available to a third party;
• violates the intellectual property or ownership rights of MMC or a third party, including making derivative works based on the Site;
• could interfere with any third party's use and enjoyment of the Site;
• introduces viruses or other harmful programs or code;
• circumvents passwords, access controls, captchas, robot.txt scripts and similar technologies intended to protect users and/or our intellectual property;
• archives, mines, or harvests any personal information, intellectual property or any part of this Site;
• could damage, disable, overburden, or impair any MMC server or the networks connected to any Marsh server; or
• disseminates unsolicited promotional or advertising material, spam or similar materials or any volume messages which may interfere with the operation of this Site or with the enjoyment of this Site by other visitors.

8. Intellectual Property. You understand and agree that the Site has been developed by MMC, our licensors, or our third party providers through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and trade secrets of MMC or our third party providers. You further agree that the Site, including but not limited to text, content, photographs, video, audio and graphics is protected by copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of the U.S. and other countries. The Site is also protected as a collective work or compilation under U.S. copyright and other laws and treaties. All individual articles, columns and other elements making up the Site are also copyrighted works. The trademarks, service marks, trade names, logos, designs, and sounds associated with the Site are owned by MMC or third parties. You agree to abide by all applicable copyright, trademark, and other laws, as well as any additional copyright notices or restrictions contained in the Site. You may download materials from the Site and/or print a reasonable number of copies for your personal use or use within your organization, provided that all copies retain all copyright and other proprietary notices.
9. License. You understand and agree that accessing and/or using the Site does not grant you any ownership, rights, or licenses to the Site other than the limited right to use the Site in accordance with the Terms.
10. Site Content; Availability. You understand that the Site is provided “AS IS” and “AS AVAILABLE.” Your access is limited both by our Site functionality, your access levels and the Terms. MMC reserves the right at any time and without notice to enhance, modify, alter, suspend or permanently discontinue all or any part of this Site and to restrict or prohibit access to it.
11. Global Access. MMC makes no claims that use of the Site is appropriate in all jurisdictions, and you are responsible for ensuring any use you make of this Site complies with local law.
12. NO WARRANTIES. You acknowledge and agree that this Site is provided by MMC on an “AS IS” and “AS AVAILABLE” basis, without any warranties or guarantees. To the extent permitted by law, Marsh disclaims all conditions, representations and warranties, express, implied, statutory or otherwise, including any warranties of merchantability, fitness for a particular purpose, title, accuracy of informational content, system integration, non-infringement of third party rights, quiet enjoyment, and uninterrupted or error free operation.
13. DISCLAIMER OF LIABILITY. Marsh and its subsidiaries, managers, employees, officers, agents, subcontractor, suppliers, and licensors accept no liability to you arising from your use of this Site beyond liability assigned in any applicable client contract. To the extent permitted by law, MMC will not be liable to you for damages of any kind, whether foreseeable or unforeseeable, even if MMC or any of its agents has been advised of the possibility of damages arising from your use of or reliance on the Site, including but not limited to direct, indirect, general, incidental, special, punitive, and consequential damages and damages for loss of use, loss of data, loss of goodwill, loss of profits, work stoppage, accuracy of results, or computer malfunction.

14. Use of Site. You agree that MMC may use any information it collects about your use of this Site for data analytics purposes, including but not limited to benchmarking, modeling, consulting, creating insights, reports and other analytics to provide, improve the quality of, and market MMC’s products and services. Where required by law, we obtain your consent prior to such use and/or utilize de-identified and/or aggregated data for analytics.
15. Privacy. You agree that all personal information you provide or that we or our third party providers collect about you through this Site is governed by our Privacy Notice.
16. Monitoring; Termination. MMC, in its sole discretion, has the right to (i) remove or refuse to post any user content, (ii) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights or in response to a subpoena, (iii) take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Site, and (iv) suspend your access to this Site and refuse to provide you with any further access to it or any content. You agree that MMC is not liable for any damages you may suffer from its exercise of these rights.
17. Assignment. MMC may assign these Terms and its rights and obligations under these Terms without your consent and at its sole discretion. You may not assign or transfer your rights and obligations under these Terms.
18. No Waiver. MMC’s failure to assert its rights at any time will not be deemed a waiver of these Terms. No consent or waiver will be effective unless in writing and signed by both parties.

19. Governing Law and Venue. You agree that any dispute arising out of or in connection with the Site or these Terms will be governed by the laws of New York without reference to conflict of laws principles that would require the application of the laws of any other jurisdiction. You agree to submit to the exclusive personal jurisdiction and venue of courts located in New York County.
20. INDEMNIFICATION. To the extent permitted by law, you agree to indemnify MMC and its affiliates, employees, officers, directors, agents, successors, and assigns against any costs, claims, losses and damages (including legal fees) incurred by or awarded against MMC as a result of your use of this Site or your breach of these Terms.
21. Invalidation of Terms. If a competent authority finds any portion of these Terms invalid or unenforceable, you agree that all other Terms will remain in effect.
22. Void Where Prohibited; Restrictions. MMC reserves the right to limit, in its sole discretion, the provision and quantity of any feature, product or service on this website to any person or geographic area. Any offer for any feature, product or service made on the website is void where prohibited. If you choose to access the website from outside the United States, you do so on your own initiative and you are solely responsible for complying with applicable local laws. This website is not intended or authorized (a) for use in any territory or by any party subject to sanctions or export restrictions under laws applicable to MMC or you, or (b) in the case that website access or use in a territory or by a party would expose MMC or its affiliates to any sanction, prohibition or restriction under UN Security Council Resolutions or other trade or economic sanctions laws or regulations. You may not use, export or re(export) this website or any copy or adaptation of this website in violation United Nations Security Council Resolutions or applicable laws.
23. Entire Agreement. These terms and conditions of use constitute the entire agreement between the parties with respect to individual users of this Site.