Privacy Disclaimer
Petra Risk Solutions
Main Content Terms and Conditions of Service
PLEASE READ THESE TERMS AND CONDITIONS OF SERVICE ("TERMS") BEFORE USING THIS SITE. By continuing to access or use this site or any service on this site, you signify your acceptance of the TERMS. At any time, Petra Risk Solutions ("Petra") may modify the TERMS. Accordingly, please continue to review the TERMS whenever accessing or using this site. Your use of this site, or any service on the site, after the posting of modifications to the TERMS will constitute your acceptance of the TERMS, as modified. If, at any time, you do not wish to accept the TERMS, you may not use the site. Any terms or conditions proposed by you that are in addition to or which conflict with the TERMS are expressly rejected by Petra and shall be of no force or effect.
1. User Assent to Terms and Conditions of Service.
You represent that you have read and agree to be bound by the TERMS for petrarisksolutions.com. You
further agree: (i) to comply with applicable U.S. federal, state, local, and foreign laws and regulations
regarding the transmission of any data obtained from the Service (as defined herein) in accordance
with the TERMS; (ii) not to use the Service for illegal purposes; and (iii) not to interfere or
disrupt networks connected to the Service.
2. Disclaimer.
All content provided on this Web site is based upon information which we believe to be reliable and
should be understood to be general insurance information only. It is not intended to be taken as advice
with respect to any individual situation and cannot be relied upon as such. Insureds should consult their
insurance advisors with respect to individual coverage issues.
3. Intellectual Property.
This Web site, including but not limited to text, content, photographs, video, audio and graphics
(the "Service"), is protected by copyrights, trademarks, service marks, international treaties and/or
other proprietary rights and laws of the U.S. and other countries. The Service 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 Service are also copyrighted works. The
trademarks, service marks, trade names, trade dress, logos, designs, and sounds associated with this Web
site are owned by Petra, or third parties who have authorized their use. You agree to abide by all
applicable copyright, trademark, and other laws, as well as any additional copyright notices or
restrictions contained in the Service. You agree to notify Petra in writing promptly upon becoming aware
of any unauthorized access or use of the Service by any party.
4. Restrictions on Use.
You may not use the Service for any illegal purpose or in any manner inconsistent with the TERMS. You
agree to use the Service solely for your personal use and benefit or that of your organization, and not
for resale or other transfer to, or use by or for the benefit of, any other person or entity. You agree
not to use, transfer, distribute or dispose of any information contained in the Service in any manner that
could compete with the business of Petra. You acknowledge that the Service has been
developed, compiled, prepared, revised, selected and arranged by Petra and others (including certain other
information sources) through the application of methods and standards of judgment developed and applied
through the expenditure of substantial time, effort and money and constitutes valuable intellectual
property and trade secrets of Petra and such others. You agree to protect the proprietary rights of
Petra and all others having rights in the Service during and after the term of this agreement and to
comply with all reasonable written requests made by Petra or its suppliers of content, equipment or
otherwise ("Suppliers") to protect their and others' contractual, statutory and common law rights in
the Service. You agree to notify Petra in writing promptly upon becoming aware of any unauthorized
access or use of the Service by any party or of any claim that the Service infringes upon any
copyright, trademark or other contractual, statutory or common law rights.
5. Further Restrictions on Use.
You may not copy, reproduce, recompile, distribute, publish, display, modify, transmit or in any way
exploit any part of the service. The analysis and presentation included in the service may not be
recirculated, redistributed, or published by you without Petra's prior written consent. Modification
of the service's content would be a violation of Petra's copyright and other proprietary
rights. Additionally, you may not offer any part of the service for sale or distribute it over any
other medium including but not limited to over-the-air television or radio broadcast, a computer
network, or hyperlink framing on the internet without the prior written consent of Petra. Furthermore, you
may not use any of Petra's names or marks in any manner that creates the impression such names or marks
belong to or are associated with you, or imply any endorsement, by Petra.
6. License.
You acquire no rights or licenses in or to the Service and materials contained therein other than the
limited right to utilize the Service in accordance with the TERMS.
7. Rights Reserved.
All present and future rights in and to trade secrets, patents, copyrights, trade names, trademarks, service
marks, databases, know-how and other proprietary rights of any type under the laws of any governmental
authority, domestic or foreign, including rights in and to all applications and registrations relating to
the Service shall, as between you and Petra, at all times be and remain the sole and exclusive property
of Petra. All present and future rights in and title to the Service (including the right to exploit the
Service and any portions of the Service over any present or future technology) are reserved to Petra.
8. Links to Other Sites - Disclaimer.
This web site contains links to third party web sites. These links are provided solely as a convenience
to you, and not as an endorsement by Petra of the content of such third party web sites, or of the
products or services marketed or made available through those web sites. The content of Petra does not
guarantee the accuracy, completeness, usefulness or adequacy of any other web sites, services, goods or
advertisements that may be linked to the service.
9. Limitation of Liability.
Petra disclaims any responsibility or liability in the event of any inadvertent inaccuracy, or inadvertent
discloser of confidential or protected information, and you agree to return or destroy such inadvertently
disclosed data or information and to keep confidential the private information regarding any party
received through this website. Petra also disclaims any responsibility or liability for damages arising
from the use of or inability to use the service or any links or items on the service. Petra does not
guarantee continuous, uninterrupted or secure access to the site. You agree that your use of the service
is at your sole risk and acknowledge that the service and anything contained therein, including, but not
limited to, content, services, goods or advertisements are provided "as is" and that Petra makes no
warranty of any kind, express or implied, as to the items, including, but not limited to, merchantability,
non-infringement, title or fitness for a particular purpose or use.
10. Representations and Warranties.
You represent, warrant and covenant that you: (i) have the power and authority to enter into this
agreement; (ii) are at least eighteen (18) years old; (iii) shall not use any rights granted hereunder for
any unlawful purpose; and (iv) shall use the Service only as set forth in these TERMS.
11. Indemnification.
You agree, at your own expense, to indemnify, defend and hold harmless Petra and its employees,
representatives, Suppliers and agents, against any claim, suit, action or other proceeding, to the extent
based on or arising in connection with your use of the Service, or any links on the Service, including, but
not limited to: (i) your use or someone using your computer's use of the Service; (ii) a violation of the
TERMS by you or anyone using your computer; (iii) a claim that any use of the Service by you or someone
using your computer infringes any copyright, trademark, or other intellectual property right of any
third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results
in injury or damage to any third party; (iv) any deletions, additions, insertions or alterations to, or
any unauthorized use of, the Service by you or someone using your computer; or (v) any misrepresentation
or breach of representation, warranty or covenant made by you contained herein. You agree to pay any and
all costs, damages and expenses (including reasonable attorneys' fees) and costs awarded against or
incurred by or in connection with or arising from any such claim, suit, action or proceeding.
12. Termination.
Either you or Petra may terminate this agreement with or without cause at any time and effective
immediately. You may terminate by discontinuing use of the Service and destroying all materials obtained
from the Service. This agreement will terminate immediately without notice from Petra if Petra
determines, in its sole discretion that you have failed to comply with any provision of these TERMS. Upon
termination by you or upon notice of termination by Petra, you must promptly destroy all materials
obtained from the Service and any copies thereof. Sections 2, 3, 7, 8, 9, 10, 11, 12, 13, 14, and 15 shall
survive any termination of this agreement.
13. Governing Law.
These TERMS shall be governed and construed in accordance with the laws of the United States of America
and the State of California, without giving effect to conflicts-of-law principles thereof. You agree to
submit to the personal jurisdiction of the state and federal courts located in California with respect
to any legal proceedings arising out of this agreement and waive any objection to the propriety or
convenience of venue in such courts. You agree that regardless of any statute or law to the contrary, any
claim or cause of action arising out of or related to use of this Site or these terms and conditions
must be filed within one (1) year after such claim or cause of action arose. If any provision of the
TERMS is found by a court of competent jurisdiction to be invalid or unenforceable, such provision shall
be enforced to the maximum extent permissible and the other provisions of the TERMS shall remain in full
force and effect.
14. Access Outside the United States.
If you choose to access the Service from outside the United States, you are responsible for compliance
with foreign and local laws. Petra does not provide insurance brokerage, third party administrator, or
other services to governments, governmental agencies, other groups, individuals, or any of their agents
which are subject to U.S. trade sanctions. By using the Service, you represent and warrant that you are
not an Embargoed Person and are not controlled by or acting as an agent of any such an Embargoed Person.
15. Changes to Terms and Conditions.
Petra may, in its sole discretion, change, modify or revise these Terms and Conditions of Services at any
time. You agree that by accessing this web site after the effective date of any such change, modification,
or revision, you will be bound by any such change, modifications, or revisions.
PETRA RISK SOLUTIONS PRIVACY AND SECURITY POLICY
Petra Risk Solutions ("Petra") is firmly committed to protecting your privacy and the confidentiality of
your Personal Information. We understand your privacy and security concerns regarding the information we
collect, use and disclose to third parties for the purpose of allowing us to provide and offer our
products and services to you. To notify you about our practices, we have developed this Privacy Policy. Any
personally identifiable information collected on this Site is considered Personal Information ("Personal
Information") and will be treated in accordance with this Privacy Policy. You must be at least 18 years
old and possess the legal authority to form legally binding contracts under applicable law to use this
Site and the services provided on it.
COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION
Information Voluntarily Provided by You
When using this Site, you may choose to provide us with information to help us serve your needs. For
example, you may provide us your e-mail address to request information, or you may send us your mailing
address so we may send you the material you have requested. Any Personal Information that you send us will
be used only for the purpose indicated on the Site or in this policy. We may also use your information to
provide you with information about other services and products that are offered by Petra or our affiliated
companies that we think may be of interest to you.
Cookies
This Site may use cookies. Cookies are pieces of information stored by your web browser on behalf of a web
site and returned to the web site on request. We may use cookies to recognize repeat users, track usage
and facilitate your access to and use of the site. The only Personal Information a cookie can contain is
information you supply. A cookie cannot read data off your hard drive. The cookies only enable you to use
our Web Site more easily.
Disclosure or Use of Personal Information
We will not exchange or sell or otherwise distribute your Personal Information without your consent, except
to the extent required by law, in accordance with your instructions, or as identified in this privacy
policy:
- Agents and Service Providers.
We sometimes contract with other companies and individuals to perform functions or services on our behalf, such as hosting this Site, sending e-mail messages and making phone calls on our behalf. They may have access to Personal Information, such as addresses, needed to perform their functions, but are restricted from using it for purposes other than providing services for Petra. - Business Transfers.
As we continue to develop our business, we might sell or buy assets. In such transactions, user information generally is one of the transferred business assets. Also, if either Petra itself or substantially all of Petra's assets were acquired, your Personal Information may be one of the transferred assets.
Legal Matters
Petra may preserve and has the right to disclose without your prior permission any information about you
or your use of this Site if Petra has a good faith belief that such action is necessary to: (a) Protect
and defend the rights, property or safety of Petra or its affiliates, employees, other users of this
Site, or the public; (b) Enforce the terms and conditions that apply to use of this site, or (c) Respond
to claims that any content violates the rights of third-parties. We may also disclose information as we
deem necessary to satisfy any applicable law, regulation, legal process or governmental request.
Information Storage and Security
Petra uses a variety of computer hardware and software tools to maintain physical, electronic, and
procedural safeguards that comply with applicable federal and state regulations to guard your personal
information. However, as effective as our security measures are, no security system is impenetrable. We
cannot guarantee the security of our database, nor can we guarantee that information you supply will not
be intercepted while being transmitted to us over the Internet. We ask that you do your part by maintaining
in strict confidence any computer passwords you use to access the Internet or this Site.
Information Related To Employment
This Site may provide an opportunity to submit your résumé or an application form to us or
apply for a position through this Site. If you submit information for such purposes, we will use (which
may include transferring) the Personal Information you provide to evaluate your qualifications and contact
you regarding any positions at Petra or any of its affiliated companies in which we believe you may be
interested.
Policy Updates
We may update this privacy policy from time to time. When we do so, changes in our privacy policy will be
effective immediately. If you are a regular visitor to this Site, we recommend that you check this
privacy policy on a regular basis.
Contact Information
1) Privacy Policy Questions regarding this Privacy Policy should be directed to Petra Risk Solutions at:
Petra Risk Solutions
13950 Cerritos Corporate Dr., Suite A
Cerritos, CA 90703