Terms of Use

The following terms and conditions (“Terms and Conditions”) govern your use of this Website (the “Website”). By accessing viewing or using this Website, you indicate that you understand and accept these Terms and Conditions.

The material provided on this Website, including the information and any images incorporated in the site, is for private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this Website, including anything you download from the site, unless consent is stated on the Website. If it is not stated on the Website, you must obtain our consent. You agree not to engage in systematic retrieval of data or other content from this Website We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

Any person who knowingly, and with intent to defraud any insurance company or other person, files a statement of claim containing any materially false information, or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and may also be subject to a civil penalty.

Limitation of Liability
RHODE ISLAND INTERLOCAL RISK MANAGEMENT TRUST (“THE TRUST”) WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE WEBSITE; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM THE WEBSITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY.

Disclaimer
THE MATERIAL ON THIS WEBSITE IS PROVIDED AS IS. THIS MEANS THAT THE TRUST DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL ON THE WEBSITE. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT THE WEBSITE, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) THAT INFORMATION CONTAINED IN THE WEBSITE IS ACCURATE AS OF ANY PARTICULAR DATE.

We sometimes provide access to other websites from our site or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our site or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the Website or have moved elsewhere.

By providing material to the Website The Trust does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. The Trust is entitled to terminate all or part of any of the Website at any time, without notice to you.

Jurisdiction
Unless otherwise specified, the materials in the Website are presented to provide information about The Trust, our insurance products and loss prevention programs and services. The Trust operates the Website from its offices in East Providence, Rhode Island, in the United States of America, and Rhode Island law shall govern and control any action concerning the Website. We do not in any way imply that the materials on the Website are available for use outside of specified Rhode Island local government or in jurisdictions in which we are not allowed to provide our products and services, or that we are soliciting our products and services in any such jurisdiction.

Miscellaneous
These Terms and Conditions, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Rhode Island, without giving effect to Rhode Island’s conflict of laws principles.

If any provision of the Terms and Conditions is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

The Trust may modify these Terms and Conditions, at any time, by updating this posting or the information on the Website, and without prior notice to you.

The Trust is an intergovernmental insurance risk-sharing pool, owned by its Members and organized as a non-profit entity under Rhode Island State General Laws § 45-5-20.1, which allows The Trust to exist and offer comprehensive risk management and insurance to Rhode Island’s local governmental entities. By virtue of the State enabling legislation allowing it to exist, The Trust is focused exclusively on Rhode Island public sector entities; no other type of business interest can be pursued. The Trust offers Property, Liability, Workers’ Compensation, Group Life, Health and Dental insurance coverage and an OPEB trust for qualified local governmental entities only.