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Welcome to our website. Please review the following legal notices prior to using the website.

In General

The Institutional Retirement Income Council (IRIC) is an independent council of industry consultants and professionals established to provide solutions-oriented thought leadership on retirement income. Support for the establishment of the IRIC has come from Prudential Retirement. Prudential Retirement is a business division and registered service mark of The Prudential Insurance Company of America, Newark, NJ and its affiliates. Although support is obtained from Prudential Retirement, IRIC is entirely independent from such organizations.

Your use of the website (the "Site") and any materials contained herein constitutes your acceptance of the terms and conditions outlined in this Terms of Use Agreement ("Agreement") with respect to our Site. This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content, products or services provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to using the Site.

The content of this Site is subject to copyrights and service marks owned or controlled by the Institutional Retirement Income Council (IRIC) and/or other entities or persons, the terms of which must be observed and followed. The name, service marks and logos that appear on this Site may not be used in any advertising or publicity, or otherwise used to suggest IRIC's endorsement, sponsorship of, or affiliation with any product or service, without IRIC's prior express written permission.

IRIC provides the information on this Site as a benefit to the public. While IRIC makes every effort to present accurate and reliable information on this site, it does not guarantee its accuracy, completeness, or timeliness, and use of such information is at the recipient's own risk. IRIC makes no representations about the suitability of the information provided in the materials on this Site for any purpose, and accepts no liability whatsoever for the validity of the information or anything whatsoever contained in the materials on this Site. In addition, the Prudential Insurance Company of America, and such corporations' business divisions and affiliates, make no representations as to the accuracy or completeness or in any manner endorse the information contained herein.

ALL INFORMATION ON THIS SITE IS PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANITIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND NONINFRINGEMENT.

IN NO EVENT WILL IRIC BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR USE OF THIS SITE. IRIC DOES NOT WARRANT THAT THIS SITE WILL OPERATE WITHOUT ERROR OR THAT THIS SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES.

If you have any questions concerning this Agreement or your rights as a user of this Site, please contact us at (link), prior to your use of the Site.

External Links

This Site contains links to external websites as a convenience to users. IRIC is not responsible for the privacy practices or content of such external websites. IRIC does not intend links to external websites to be referrals or endorsements of the linked entities.

Copyright

The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials. Some of the content on the site is the copyrighted work of third parties.

Terms of Use

IRIC holds the copyright to its publications and Web pages but encourages duplication of these materials for noncommercial purposes. You are permitted to make digital or hard copies of this content for personal or classroom use without a fee and without a formal request provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and full citation on the first page. Any copyright or trademark notices must also remain intact. Modification of these materials is prohibited. Copyright for content not owned by IRIC must be honored and permission pursued with the owner of such material. To copy otherwise requires specific permission. If you have questions or wish to request permission to republish the content on these Web pages in a manner that exceeds the scope of this license, please contact us.

Service Marks

Institutional Retirement Income Council (IRIC) and iricouncil.org and others are our service marks or registered service marks or trademarks. Other product and company names mentioned on the Site are trademarks of their respective owners and, as such, their use is strictly prohibited. Nothing on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without the written permission from the trademark owner.

Limited License; Permitted Uses

You are granted a non-exclusive, non-transferable, revocable license (a) to access and use the Site strictly in accordance with this Agreement; (b) to use the Site solely for internal, personal, non-commercial purposes; and (c) to print out discrete information from the Site solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. No print out or electronic version of any part of the Site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.

Restrictions and Prohibitions on Use

Your license for access and use of the Site and any information, materials or documents (collectively defined as "Content and Materials") therein are subject to the following restrictions and prohibitions on use: You may not (a) copy, print, republish, display, distribute, transmit, sell, rent, lease, loan or otherwise make available in any form or by any means all or any portion of the Site or any Content and Materials retrieved therefrom; (b) use the Site or any materials obtained from the Site to develop, of as a component of, any information, storage and retrieval system, database, information base, or similar resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism.

Privacy Policy

This privacy policy sets out how IRIC uses and protects any information that you give IRIC when you use this website. IRIC is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

IRIC may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are familiar with any changes. This policy is effective from October 1, 2009.

IRIC may collect contact information from those users who voluntarily provide it in order to receive the latest informational updates. We will never sell your information.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

© Copyright 2017 Institutional Retirement Income Council, Iselin, NJ, USA. All rights reserved.
© 2017 IRIC, Institutional Retirement Income Council – All Rights Reserved