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Proprietary and copyright protected information
All material and content accessible on this site, including without limitation (a) text, images, photographs, stories, indices, reports, research, guidelines, information, data, articles, descriptions, studies, position papers, and other works of authorship, (b) samples and demos, (c) technology, designs, methods, ideas, concepts, know-how, techniques, documents and templates, and (d) software, code, architecture, hidden text and symbols, user interfaces, look and feel, layout, design, graphics, arrangements, get-up and trade dress (all of the foregoing is referred to collectively as the "Content") is the proprietary information of Milliman, and Milliman retains all right, title, and interest in the Content. This site, including all Content, is copyrighted and protected by international copyright laws and treaty provisions.
You agree to comply with all copyright laws, related laws, and international agreements worldwide in your use of this site, and agree that the site and Content may not be copied, distributed, republished, altered, uploaded, posted, translated, or transmitted in any way, in whole or in part, without the prior written consent of Milliman. In doing so, you may not remove or alter any copyright, trademark or other proprietary notice appearing on any of the Content. You may not co-brand, frame, or mirror this site or any Content. No intellectual property rights are transferred to you by access to this site or otherwise.
Restrictions on use
This site may be hyperlinked to other sites which are not maintained by, or related to, Milliman. Hyperlinks to such sites are provided as a service to you and the sites are not sponsored by or affiliated with this site or Milliman. Milliman has not reviewed the sites and is not responsible for the content of the sites. Hyperlinks are accessed at your own risk, and Milliman makes no representations or warranties about the content, completeness or accuracy of the hyperlinks or the sites hyperlinked to this site.
Rules for external links to site
Milliman welcomes links to this site. You may establish a hypertext link, provided that the link does not state or imply any sponsorship or endorsement of your products or your site by Milliman. You may not frame or otherwise incorporate into another Web site any of the content or other materials on the Milliman site. Milliman may revoke this consent at any time and for any reason. If you do link to the site, you should be aware that internal pages change frequently and without notice, and your link may be repositioned or deleted as a result.
The Content is provided for informational purposes only and may not be relied upon for any purpose. The Content should not be used to replace any guidelines, advice, reports, procedures, statements, or notices provided by Milliman. The Content does not constitute accounting, consulting, investment, clinical, medical, legal, tax or any other type of professional advice, and should be used only in conjunction with appropriate professional advisors who have full knowledge of the user's situation. Professionals and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Milliman does not warrant the accuracy or completeness of the Content or the reliability of any advice, opinion, statement or other information displayed or distributed through the site.
In exchange for using this site, you agree not to hold Milliman liable for any claim for damages arising from any decision you make based on information made available to you or obtained through the site.
The information provided on the site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. All persons and entities accessing the site do so on their own initiative and are responsible for compliance with applicable laws and regulations. The site is not directed to any person in any jurisdiction where the publication or availability of the site is prohibited, by reason of that person's nationality, residence or otherwise. Persons under these restrictions must not access the site.
Additional important disclaimers
Milliman does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. Milliman does not assume any responsibility or risk for your use of this site.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. MILLIMAN DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
MILLIMAN DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. MILLIMAN DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND MILLIMAN MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT MILLIMAN, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. MILLIMAN MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and Milliman does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.
Limitation on liability
MILLIMAN, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF MILLIMAN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF MILLIMAN AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, NEGLIGENCE OR ANY OTHER TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO MILLIMAN FOR THE APPLICABLE CONTENT OUT OF WHICH LIABILITY AROSE.
Milliman® is a registered trademark of Milliman, Inc. Other trademarks, service marks, and logos appearing in this site are the property of Milliman or its licensors. Milliman and any party that provided trademarks, service marks, and logos to Milliman retain all rights with respect thereto. Nothing on this Site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, service mark or logo displayed on the site, and you may not use any metatags or other hidden text or code utilizing any such marks.
Passwords used for this site, if any, are for individual use only. You will be responsible for the security of your password. Milliman will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Milliman considers insecure, Milliman will be entitled to require the password to be changed and/or terminate your account.
International users and choice of law
This site is controlled, operated and administered by Milliman from its offices within the United States of America. Milliman makes no representation that materials at this site are appropriate or available for use at locations outside of the United States and access to them from territories where their contents are illegal is prohibited. If you access this site from a location outside of the United States, you are responsible for compliance with all local laws.
Access to this site
To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete. If Milliman believes the information you provide is not correct, current, or complete, Milliman has the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time. In addition, Milliman reserves the right to terminate your access to this site at any time and for any reason.
Use of samples and demos
Any samples and demos made available on this Web site are for evaluation purposes only and may not under any circumstances be used for any other purpose. You may use these samples and demos only for the purpose of evaluating the underlying products and once your evaluation is complete, you may not retain any copy, electronic or otherwise, in whole or in part of any sample or demo.
Designated agent for notice of infringement claims
Milliman respects the intellectual property of others, and we ask our Web site visitors to do the same. If you believe that your intellectual property has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please provide Milliman's Agent for Notice listed below with the following information in a written notice:
- A description of the copyrighted work or other intellectual property that you claim has been infringed;
- A description of where the material that you claim is infringing is located on the site, with enough detail that we may find it on the site;
- Your address, telephone number and e-mail address;
- A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law;
- A statement by you under penalty of perjury that the information in your notice is accurate and that you are the copyright or intellectual property owner or are authorized to act on the copyright or intellectual property owner's behalf;
- An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest.
Milliman's designated Agent for Notice of claims of copyright or other intellectual property infringement can be reached as follows:
Name of Agent for Notice: Susan Puz, Chief Compliance Officer
By mail: 1301 Fifth Ave, Suite #3800, Seattle, Washington USA 98101
By phone: (206) 624.7940
Send an e-mail to the Agent for Notice.
Attachments will not be accepted. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed.
You agree to be bound by any affirmation, assent or agreement you transmit by computer or other electronic device. You agree that, when you click on an "I agree," "I consent" or other similarly worded "button" or entry field with your mouse, keystroke or other device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature.
Last updated: April 28, 2015
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