Terms & Conditions
Copyright & Intellectual Property Rights
Our site is for general information purposes only. The information contained on our site is not advice. Please read our Privacy Statement for important disclosures and for information regarding terms and conditions of the use of this site, privacy, and security, as well as our disclaimers and protected rights. Any liability that might arise from your use or reliance on the information in, or any links from this site, is expressly disclaimed. Unless otherwise noted, all materials, including but not limited to images, illustrations, designs, icons, photographs, video clips, software, and written and other materials that are part of this website or any other FRMS website are protected under copyright laws and are the trademarks, trade dress and/or other intellectual properties owned, controlled or licensed by FRMS.
You may download and view material on this site for your personal, temporary, non-commercial viewing only. Without limiting the foregoing, EmployersChoiceOnline.com and the stylized "EmployersChoiceOnline.com" appearing on this site are registered trademarks of EmployersChoiceOnline.com. No part of the materials contained on this site may be otherwise reproduced, stored in a retrieval system, copied, republished, uploaded, posted, distributed or transmitted in any form, or by any means, electronic or mechanical without the prior written permission of FRMS.
Disclaimer for FRMS Information
All information provided by FRMS on this website is made available to provide immediate access for the convenience of interested persons. While FRMS believes the information to be reliable, human or mechanical error remains a possibility. Therefore, FRMS does not guarantee or warrant the accuracy or completeness of the information. FRMS shall not be responsible for any error or omission, or for the usage of, or the results obtained from the usage of, this information.
On very selective bases, we may provide links to other sites of alliance partners for your convenience. We do not control or maintain the material presented by other organizations on other web sites. If you use any of these links, you will leave our site.
FRMS welcomes your comments regarding this Statement of Privacy. If you have any questions regarding our Statement of Privacy or this website, please contact us directly.