On Line Terms and Conditions and Privacy Statement

As your access and use of this Site (including the FRANCIS ANALYTICS and DATA-MINES site that is linked to this disclaimer) automatically binds you to the following terms and conditions, please read them carefully. As used herein, the term “you” and “your” shall mean the user of this Site.


I. FRANCIS ANALYTICS Organizational Statement

II. Legal Disclaimer

III. FRANCIS ANALYTICS Online Privacy Statement

I. FRANCIS ANALYTICS Organizational Statement

FRANCIS ANALYTICS is a business service firm, providing consulting and project management services related to actuarial science. Services delivered to clients of the company are performed subject to a written proposal and agreement.

II. Legal Disclaimer

The information contained and accessed on this site (the “Site”) is provided by the FRANCIS ANALYTICS entity indicated on the homepage as owner of the Site (“FRANCIS ANALYTICS”) for general guidance and is intended to offer the user general information of interest. The information provided is not intended to replace or serve as substitute for any consulting service or professional advice. You should consult with a FRANCIS ANALYTICS representative for details on how to obtain services from the company.

Based on specific facts or circumstances, the application of laws and regulations may vary. Based on the fundamental universal condition of the electronic communication process, FRANCIS ANALYTICS does not guarantee or warrant the Site will be uninterrupted, without delay, error-free, omission-free, or free of viruses. Therefore, the information is provided “as is” without warranties of any kind, express or implied, including accuracy, timeliness and completeness. In no event shall FRANCIS ANALYTICS, its related partners, managing directors, principals, agents or employees be liable for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages whatsoever (including but not limited to, liability for loss of use, data or profits), without regard to the form of any action, including but not limited to, contract, negligence or other tortious actions, arising out of or in connection with the Site, any content on or accessed by use of the Site, or any copying, display or other use hereof.

As content on the Site is copyrighted, any unauthorized use of any materials on the Site may violate copyright, trademark and other laws. Should a user download the materials on the Site for personal or non-commercial use, the user must retain all copyright, trademark or other similar notices contained in the original materials or on any copies of the material. Materials on the Site may not be modified, reproduced, publicly displayed, performed, distributed or used for any public or commercial purposes without the explicit written permission from the appropriate content or material provider (including third-party links). FRANCIS ANALYTICS bears no risk, responsibility or liability in the event that a user does not obtain such explicit written permission as advised by FRANCIS ANALYTICS.

Third-party links are provided as a convenience to our users. FRANCIS ANALYTICS does not control and is not responsible for any of these sites or their content. FRANCIS ANALYTICS is obligated to protect its reputation and trademarks and FRANCIS ANALYTICS reserves the right to request removal of any link to our Web site.

FRANCIS ANALYTICS and the FRANCIS ANALYTICS logo are for the private use of the company. The following Web link activities are explicitly prohibited by FRANCIS ANALYTICS and may present trademark and copyright infringement issues:

Links that involve unauthorized use of our logo

Framing, inline links or metatags

Hyperlinks or a form of link that disguises the URL and bypasses the homepage

III. FRANCIS ANALYTICS Online Privacy Statement

FRANCIS ANALYTICS believes that the responsible use of personal information collected on its Web sites is critical to its business objectives and reputation. As part of our commitment to privacy, we have adopted this Online Privacy Statement. The extent and type of information we receive from you on our external Web sites depends on the information you provide to us through our contact mailboxes and/or through the registration processes on our sites.

We only use your personally identifiable information to respond to your requests and to provide you with information about FRANCIS ANALYTICS’s services, unless we obtain your permission to use your personal information for other purposes. For example, if you send us an e-mail message requesting information about FRANCIS ANALYTICS, we will use your e-mail address and other information you supply to respond to your request. If we intend to use your personal information to inform you about other FRANCIS ANALYTICS services, we will notify you and give you an opportunity to decline to receive such communications. If you send us a resume or curriculum vitae (CV) to apply online for a position with FRANCIS ANALYTICS, we will use the information provided to match you with available opportunities.

Some page or area of our Web site may invite you to register and provide information about yourself. We use the information you provide to personalize your online experience and to deliver the content most suited to your needs. Such Web sites also provide an opportunity for you to update your registration information should you no longer wish to receive information from us.

The Web site does not use “cookies” (i.e., small text files placed on your computer when you first visit the site).

The personal information you provide to us will be retained only for as long as necessary to fulfill the purposes for which the information was collected or as required by law. We do not share personal information with third parties except as necessary to carry out our business or as required by law or other legal processes, and we never sell your personal information.

In addition, FRANCIS ANALYTICS has technological and operational security policies and procedures in place to protect your personally identifiable information from loss, misuse, alteration or unintentional destruction. Our personnel who have access to the data have been trained to maintain the confidentiality of such information.

FRANCIS ANALYTICS understands the importance of protecting children’s privacy, especially in an online environment. Our sites are not intentionally designed for or directed at children under the age of 13 years. It is our policy never to knowingly collect or maintain information about anyone under the age of 13.

FRANCIS ANALYTICS recognizes its responsibility for protecting the online privacy of your personal information. If you have questions or comments about our administration of your personal information, please contact us at privacy@FrancisAnalytics.com. You may also use this address to communicate any concerns you may have regarding compliance with our Online Privacy Policy.

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