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Terms of Use

All rights, title and interest in this website (Site) and any material or content contained herein is the exclusive property of Adventist Risk Management, Inc. (ARM) or its partners, except as otherwise stated. All rights are reserved. United States copyright law protects all materials contained on this Site.
By using this Site, you acknowledge that ARM or its partners own all intellectual property rights in and to this Site and its contents and that these rights are valid and protected in all forms. By using this site, any user affirms that they have no intellectual property rights in any content or material contained on the Site. By using the Site, such user agrees to refrain from capturing and using any content or material in any manner that would infringe upon ARM or its partners’ intellectual property rights.

For information pertaining to how information is gathered by the Site, click the below links.

View Our Privacy Policy | View Our Cookie Policy 

ARM is providing this Site for information purposes only. Certain organizations may choose to link to this Site from their own site. Such linkage is not meant to imply that ARM or its partners agree with, support, or concur with any material or content available on such sites. 

Unless otherwise specified, this Site is for the use of ARM’s employees and agents, policyholders of the insurance companies served by ARM, and the general public. Each of the aforementioned may print, copy, and download any information, or portion of the Site for their personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products, policies, or services obtained from this Site, except for the purposes expressly provided therein or herein, without ARM’s prior written approval. 

If you copy or download any information or software from this Site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information. Use of the trademarks owned by ARM shall be controlled by ARM and may not be used without permission. Pursuant to Section 512(c)(2) of the Copyright Act, ARM designates the following to receive notifications of claimed infringement:

Adventist Risk Management, Inc.
Attn: Legal Services Department/Copyright Complaints
12501 Old Columbia Pike,
Silver Spring, MD 20904
United States of America

Unauthorized use of this Site and/or any ARM system, including but not limited to unauthorized entry into ARM’s systems and misuse of passwords or other information, is strictly prohibited. You may not use this Site in any manner that could damage, disable, overburden, or impair any ARM site or service or interfere with any other party’s use and enjoyment of any ARM site or service. You may not attempt to gain unauthorized access to any ARM site or service or computer systems or networks connected to any ARM Site or service through unauthorized or illegal means. User agrees not to engage in any activities related to this Site that are contrary to applicable laws or regulations.

ARM reserves the right, in its sole discretion, without any obligation or notice requirement, to change, improve, or correct the information, materials, and descriptions on this Site and to suspend and/or deny access to this Site for any reason including but not limited to: scheduled or unscheduled maintenance, upgrades, improvements, or corrections.

ARM is providing this Site and its contents on an “as is” and “as available” basis without any obligations, liabilities, or warranties, expressed or implied, for any particular purpose whatsoever to anyone who chooses to access this Site. ARM expressly disclaims any implied warranties, including but not limited to: warranties of title, non-infringement, merchantability, or fitness for a particular purpose.

The information and materials on this Site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and ARM does not undertake any obligation or responsibility to update or amend any such information. ARM may discontinue or change any product offering or service described in or offered on this Site at any time.

ARM does not guarantee the accuracy, validity, timeliness, or completeness of any information or data made available to you for any particular purpose. Each user who accesses this Site expressly acknowledges that use of this Site and its contents is at the user’s sole risk. ARM does not warrant that this Site or any of its contents will be continuously available, accessible, non-infringing, free of errors or viruses, free from interception by a third party, or that the information contained in the Site is accurate or reliable.

Neither ARM, nor its affiliates, directors, officers, employees, and third party vendors will be liable in contract, in tort, or under any other theory of liability for any damages or injury (including indirect, special, and consequential damages) that may result from the use of or inability to use any part of the Site, or from anything intercepted, submitted, or posted by users. ARM cannot and does not guarantee continuous uninterrupted or secure access to the Site. The terms of this paragraph will survive any termination of this notice and Site.

This Site is created and controlled under the laws of the State of Maryland, which shall be the law giving effect to and interpretation of all terms and conditions hereunder. Any action pertaining to this Site shall be brought in the Circuit Court of Montgomery County Maryland, which shall serve as the venue for any such action. Any user or other person named a party to any action regarding this Site agrees to submit to the exclusive jurisdiction of the courts of the State of Maryland as stated herein.