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Please read these terms of use carefully before using this website, as they describe the terms and conditions applicable to your access and use of the Business Interruption Simplified website (the "Website"). By using this Website, you are accepting and agreeing to these Legal Terms. If you do not agree to all of these Legal Terms, do not use this Website. These terms and conditions may be changed or updated at any time. YOU are responsible for reviewing these terms of use periodically. By continuing use of the Website after such changes are posted, you will be deemed to have accepted such changes.

This Website is protected by U.S. and foreign copyright laws except as expressly provided otherwise, you may not use, reproduce, modify, transmit, distribute, publicly display, or perform this Website without Business Interruption Consultants Inc.'s prior written permission. You may view, use, and download materials at this Website for your informational use, provided that you leave all copyright notices or other proprietary notices intact. You understand that Business Interruption Consultants, Inc. may, at any time, for any reason and without notice, discontinue, change, or restrict your use of this Website and make changes in the products and/or services described in this Website.

Disclaimer - The information on this Website is intended to be a general information resource regarding the matters covered and for informational purposes only. It is not offered as legal, accounting, or other professional advice. You should evaluate all information, opinions, and advice available on this Website in consultation with your insurance specialist.

No Warranties  - The Website "Materials" are provided to you on an "as is," "as available" basis without warranty of any kind either express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement. These Materials include online calculators available through the Website. Business Interruption Consultants, Inc. does not endorse and makes no warranty as to the accuracy, or completeness of these Materials. Business Interruption Consultants, Inc. makes no representations or warranties that use of the Materials will be uninterrupted or error-free. You are responsible for taking all necessary precautions to ensure that any Materials you may obtain are free of viruses or any other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of any such state. You may also have other legal rights that vary from state to state.

Limitation of Liability - Business Interruption Consultants, Inc. shall in no event be liable to you for damages of any kind. Your use of the Materials is at your own risk. Business Interruption Consultants, Inc. specifically disclaims any liability, whether based in contract, tort, negligence, strict liability, or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to, use of, or reliance on the Materials or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to the Website or viruses that may infect your computer equipment or other property, whether caused in whole or in part by negligence, acts of God, telecommunications failure, theft or destruction of, or unauthorized access to the Website or the Materials. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the prior written permission of Business Interruption Consultants, Inc.

Visitor Submissions - By providing information or materials to this Website (other than personal information subject to Business Interruption Consultants, Inc.'s Privacy Policy), you grant to Business Interruption Consultants, Inc. an unrestricted, irrevocable, worldwide, license to disclose any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any e-mails or materials through the Website that (i) are defamatory, threatening, obscene, or harassing, (ii) contain a virus, worm, Trojan horse, or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws or otherwise specifically agreed or required by law.

Additional Disclaimer - Because we are not involved in the actual transaction between you and any third party, in the event you have a dispute with any such third party, you release Business Interruption Consultants, Inc. and its affiliates, agents, and employees from any and all claims arising out of or in any way connected with such disputes. If you are a California resident, you waive the California Civil Code § 1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

Links - Links from this site to a non-Business Interruption Consultants, Inc. site is provided for user’s convenience only. Business Interruption Consultants, Inc. does not control or review these sites nor does the provision of any link imply an endorsement or association. Business Interruption Consultants, Inc. makes no representation regarding the content or accuracy of any website that you may access through this one. The views, opinions, statements, offers, or other information or content expressed therein are those of the respective author(s) or distributor(s) and not Business Interruption Consultants, Inc. If you decide to access such sites, you do so at your own risk.

Security - You are responsible for maintaining the confidentiality of your user name and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your user name and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify Business Interruption Consultants, Inc. of any unauthorized use of your password or user name or any other breach of security. Business Interruption Consultants, Inc. will not be liable for any loss that you may incur as a result of someone else using your password or user name, either with or without your knowledge. However, you could be held liable for losses incurred by Business Interruption Consultants, Inc. or another party due to someone else using your user name or password.

Limit of Liability - In no event shall Business Interruption Consultants, Inc. be liable to you for damages of any kind whatsoever including but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits, or damages resulting from lost data or business interruption resulting from your use or inability to use this Website or its materials.

Governing Law, Location and Miscellaneous - This Website and its usage agreement shall be governed by the laws of the state of Florida. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws. If any provision or provisions of this agreement shall be held to be invalid, illegal, or unenforceable, the validity, legality, or enforceability of the remaining provisions shall not in any way be affected or impaired. You agree that any dispute between you and Business Interruption Consultants, Inc. arising from your use of this Website shall be brought exclusively in the state or federal courts of competent jurisdiction in Florida.

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2388 Misty Mountain Circle
Knoxville, Tennessee 37932
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