Welcome to My Risk Evaluator Terms of Use We have created this website for your use to assist you to identify and manage your potential risks. By accessing or using this website, you agree to the terms of use of our website set out below. The Terms of Use include our legal disclaimer and our privacy policy and any other terms or conditions on this website. We may change the Terms of Use at our discretion and without notice. A version of the current Terms of Use will be available on this website as they are changed. By continuing to use our website you accept the Terms of Use as they apply from time to time. A copy of our current Terms of Use is displayed on our website at all times. This legal disclaimer is in no way limited or altered by any other terms or conditions on this website. Who We Are Gallagher Solutions (‘we’, us’ or ‘our’) is a business unit of Arthur J. Gallagher (Aus) Pty Ltd and its related corporations (as defined by the Corporations Act 2001) within the Arthur J. Gallagher group of companies. ‘We’, ‘us’ or ‘our’ may also include our Licensor. Licensor means the Non Profit Risk Management Centre of 1130 Seventeenth Street NW 210 Washington DC. Website material is not specific advice The content, including publications and any links, on this website is intended only to provide a summary and general overview. You should consult a risk adviser or technical expert for any specific advice. The information on this website is only a guide and suggests issues which you may need to consider when assessing your organisation’s potential risks and liabilities. The recommendations are not comprehensive nor factor in all circumstances which may be relevant to any specific situation. The recommendations given do not constitute specific risk management or legal advice. You should seek the advice of a specialist risk consultant or other professional advice before acting or relying on any of the content. We attempt to ensure the content is current but we do not guarantee its currency. We may change any of the information found at this site at any time without notice. We make no commitment to update the information found at this site. No relationship Your use of this website or the receipt of any information from us or this website is not intended to create nor does it create a consultant/principal or other relationship with us. Liability We are not responsible to you or anyone else for any loss suffered in connection with the use of this website or any of the content. This includes, but is not limited to, the transmission of any computer virus. We make no warranties or representations about this website or any of the content. The entire content of this site is provided "as is" without any express or implied warranty or condition of any kind. We offer no assurance of uninterrupted or error free access to or use of this site or that any content or other material accessed through this site is free of errors or viruses, worms, trojan horses, or other harmful components. We do not warrant anything about the accuracy, completeness or suitability for a particular purpose to the content of this website. We exclude, to the maximum extent permitted by law, any liability which may arise as a result of the use of this website, its content or the information on it. Where liability cannot be excluded, any liability incurred by us in relation to the use of this website or the content is limited as provided under the Trade Practices Act 1974 (s 68A) or equivalent legislation in any other jurisdiction. We will never be liable for any indirect, incidental, special or consequential loss arising out of the use of this website, including loss of business profits. Intellectual Property Unless otherwise indicated, We own the copyright in the content on this website. Some of the copyright in the content and source code which hosts this site may be owned by someone else and is included on our website under a license or agreement. Provided you comply with these Terms of Use we authorise you to access and use the content for non-commercial or personal use unless you have prior written approval from us. You may print out any content on this website for your personal use. All other use, copying or reproduction of this website or any part of it is prohibited (except to the extent permitted by law). None of the content or any part of it may be reproduced on any other Internet website. If you seek to reproduce or otherwise use the content in any way it is your responsibility to obtain approval for such use where necessary. We are the owner of several trademarks, trading indicia, graphics, text and logos which appear on this website. Use of these items without our express consent will infringe our intellectual property rights. Links from this website Our website may contain links to other websites over which we have no control. We make no representations about the accuracy of information contained on those websites. We are not liable for the content on those websites. Jurisdiction We do not represent that we hold the authorisations and approvals required to provide the recommendations or suggest advice in all jurisdictions where the material on this website may be viewed or received. You must ensure that access to and use of this website is in accordance with the laws of your jurisdiction. SPAM We may publish electronic addresses on this website to facilitate communication relating to our business functions. This is not to be inferred as consent by AAR or the relevant addressees to receiving unsolicited commercial electronic messages or SPAM. Privacy We respect your privacy. We have developed our privacy policy, which embody the National Privacy Principles in the Privacy Act 1988 (Privacy Act). Although our policy specifically addresses our obligations in respect of the laws of Australia we apply where practicable those principles to its operations throughout Australia, subject to any requirements of local law. Collecting your information We collect personal information when you subscribe or register as a user of this website. Collecting your information using this website We generally only collect personal information from this website when it is provided voluntarily by you – for example, when you subscribe or to register to use this website. When you visit this website or download information from it, our Internet Service Provider (ISP) makes a record of your visit and records the following information: * your Internet address; * your domain name, if applicable; and * the date and time of your visit to the website. Our ISP also collects information such as the pages our users access, the documents they download, links from other sites they follow to reach our site, and the type of browser they use. However, this information is anonymous and is only used for statistical and website development purposes. We may also, for research purposes, collect and aggregate data to questions you may be asked in the modules of this website with data from other system users. This data is available to us or our Licensor. We do not link this data to your organisation. The data is collected anonymously. We will not sell or give access to data we collect to commercial data collection agencies. How we use and disclose your information We use your information to provide and market our services to you. We will not use your information (including credit card details) for any other purpose however we may disclose the information about your use of this website to your insurer if you have been sponsored to use this product by that insurer. We may also disclose some personal information to our Licensor or their agent to comply with our licensing obligations of this website. We may disclose your information to service providers, agents and contractors from time to time to help us to provide and market our services to you. If we do this, we generally require these parties to protect your information in the same way we do. We will handle personal information relying on the employee and related bodies corporate exemption in the Privacy Act where these exemptions are relevant. Use of cookies A cookie is a small message given to your web browser by our web server. The browser stores the message in a text file, and the message is then sent back to the server each time the browser requests a page from the server. We make limited use of cookies on this website. We use cookies to measure usage sessions accurately, and to gain a clear picture of which areas of the sites attract traffic. We also use cookies to improve the functionality of our website – for example, if we provide a notice or update regarding a significant change to the law, we may use cookies to ensure that you do not receive this notice with each page you access on our website. When cookies are used on this site, they are used to store information relating to your visit such as a unique identifier, or a value to indicate whether you have seen a web page. We use session (not permanent) cookies. They are used to distinguish your Internet browser from the thousands of other browsers. This site will not store personal information such as email addresses or other details in a cookie. Most Internet browsers are set up to accept cookies. If you do not wish to receive cookies, you may be able to change the settings of your browser to refuse all cookies or to notify you each time a cookie is sent to your computer, giving you the choice whether to accept it or not. Security We use a variety of physical and electronic security measures, including restricting physical access to our offices, and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure. The Internet is not a secure environment. If you use the Internet to send us any information, including your email address, it is sent at your own risk. Access You have a right to access most personal information we hold about you. Please contact our Compliance Officer (see below) to ask for access to your information, or if you have a complaint concerning your information privacy. We may deny your request in some circumstances. If we do this, we will tell you why. Accuracy If you think that any information we hold about you is inaccurate, please contact us on (02) 9242 2000 and we will take reasonable steps to ensure that it is corrected. Contact us If you would like more information concerning how we handle your information, or our approach to privacy, please contact our Compliance Officer. Compliance Officer Arthur J. Gallagher (Aus) Pty Ltd PO Box 6007 North Sydney NSW 2059 Australia Phone 02 9242 2000 Fax 02 9242 2010
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