Risk Management International, LLC

Terms and Conditions

Overview Use of Content from this web site

Use of text, images, and other content on this web site is subject to the following terms and conditions:


Text and image files and other content on this web site is the property of Watermark Risk Management International, LLC (WRMI) and may be protected by copyright and other restrictions, as well. Copyrights and other proprietary rights in the content on this web site may also be owned by individuals and entities other than, and in addition to, WRMI. WRMI expressly prohibits the copying of any protected materials on this web site, except for the purposes of fair use as defined in the copyright law, and as described below.


Fair use of copyrighted material includes the use of protected materials for non-commercial educational purposes, such as teaching, scholarship, research, criticism, commentary, and news reporting. Unless otherwise noted, users who wish to download or print text and image files from this web site for such uses may do so without WRMI's express permission, provided that they comply with the following conditions:

  • The content may only be used for personal, educational, or noncommercial purposes;
  • Users must cite the author and source of the content as they would material from any printed work;
  • The citation must include all copyright information and other information associated with the content and the URL for WRMI’s web site;
  • None of the content may be altered or modified;
  • Users must comply with all other terms or restrictions which may be applicable to the individual file, image, or text;


By downloading, printing, or otherwise using text and image files from this web site, users agree and warrant that they will limit their use of such files to fair use and will comply with all other terms and conditions of this license, and will not violate the rights of WRMI or any other person or entity. WRMI does not warrant that use of the text, images, and content displayed on the web site will not infringe the rights of third parties not owned by or affiliated with WRMI.


Unauthorized commercial publication or exploitation of text, images, or content of this web site is specifically prohibited. Anyone wishing to use any of these files or images for commercial use, publication, or any purpose other than fair use as defined by law, must request and receive prior written permission from WRMI. Permission for such use is granted on a case-by-case basis at the sole discretion of WRMI. A usage fee may be assessed depending on the type and nature of the proposed use.


Many of the trademarks, service marks, and logos (collectively, the "Trademarks") displayed on the web site, including WRMI’s are registered and/or unregistered common law trademarks of WRMI. The trademarks of third parties may also be displayed on this web site. Nothing contained in this web site should be construed as granting, by implication or otherwise, any license or right to use any Trademarks displayed on the web site without the express written permission of WRMI or any third party that may own the Trademarks displayed on the site. Any unauthorized use of the Trademarks or any other images or content on this web site, except as authorized in these Terms and Conditions, is strictly prohibited.


The text, images, and content on the web site are provided "as is" without a warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability, fitness for a particular use, and/or non-infringement. WRMI assumes no responsibility, and shall not be liable for any damage to or viruses that may infect your computer equipment or other property on account of your use of the site or your downloading of any text, images, or content from the web site.

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