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Terms and Conditions 


By continuing to access or use this website ( referred hereunder as “Site”) or any content on this site (“Content”), you signify your acceptance of the terms and conditions set forth hereunder (“Terms”). From time to time, Alta Actuaries and Consultants, LLC ("Alta") may modify the Terms. Accordingly, please continue to review the Terms whenever accessing or using this Site. Your use of this Site, or any Content on the Site, after the posting of modifications to the Terms will constitute your acceptance of the Terms, as modified. If, at any time, you do not wish to accept the Terms, you may not use the Site. Any terms or conditions proposed by you that are in addition to or which conflict with the Terms are expressly rejected by Alta and shall be of no force or effect.

This Site it not intended for children, and we do not knowingly collect, use, or disclose information of children under the age of eighteen (18) without the consent of their parents or legal guardians. In an instance where such information was collected, it would be purely accidental and unintentional.


User Assent to Terms and Conditions of Service 

You represent, warrant and covenant that you have read and agree to be bound by the Terms of the Site. You further represent and agree that you: (i) have the power and authority to enter into this agreement; (ii) are at least eighteen (18) years old; (iii) will comply with applicable laws and regulations regarding the transmission of any data obtained from the Content (as defined herein) in accordance with the Terms (iv) shall not use any rights granted hereunder for any unlawful purpose; and (v) shall use the Content  only as set forth in these Terms.

You further agree to abide by all applicable copyright, trademark, and other laws, as well as any additional copyright notices or restrictions contained in the Content. You agree to notify Alta in writing promptly upon becoming aware of any unauthorized access or use of the Content by any party.

You acquire no rights or licenses in or to the Content and materials contained therein other than the limited right to utilize the Content in accordance with the Terms.

You acknowledge that Alta has the right to change the content or technical specifications of any aspect of the Content at any time at Alta's sole discretion. You further accept that such changes may result in your being unable to access the Content.

Modifications to Terms of Use 

Alta reserves the right to change these Terms at any time. Updated versions of the Terms will appear on this Site and are effective immediately. You are responsible for regularly reviewing the Terms. Continued use of the Site after any such changes constitutes your acceptance of such changes.


All content provided on this Site should be understood to be general information only and not purported to be advice with respect to any individual situation and cannot be relied upon as such for any benefit decisions or actions.


The Content (text, design, photographs, images, video, logos, audio and graphics) in this website is owned by Alta or by third parties who have authorized their use. The Content is protected by copyrights, trademarks and/or other proprietary rights and laws of the U.S.A. The website Content is also protected as a collective work or compilation under U.S. copyright and other laws and treaties. All individual articles, columns and other elements making up the Content are also copyrighted works. The trademarks, Content marks, trade names, logos, and designs associated with this Site are owned by Alta, or third parties who have authorized their use.

Except as otherwise expressly stated or permitted by law, the Content may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Alta’s prior written consent. Users of this Site may be permitted to download certain material posted on this Site. When using downloadable materials, all copyright, trademark, and other proprietary notices must be kept intact and remain in effect.

Access to Website

The Content on this website is for personal use only and not for commercial exploitation. You may use this Site for your own personal use or your organization’s internal use only. You may not decompile, reverse-engineer, disassemble, rent, lease, loan, sell, sublicense or create derivative works from the website or the Content. Nor may you use any network monitoring or discovery software to determine the Site architecture, or extract information about usage or users. You may not use any robot, spider, or other automatic or manual device or process to monitor or copy the website or the content without Alta’s prior written permission. You may not print, download, copy, modify, reproduce, republish, distribute, display, or transmit for commercial, nonprofit or public purposes all or any portion of the website, except to the extent permitted above. You may not use or otherwise export or re-export the website or any portion thereof, the content or any software available on or through the website in violation of the export control laws and regulations of the United States of America. Any unauthorized use of the website or the content is prohibited.

Not Consulting Advice  

The website and the Content do not constitute accounting, broking, consulting, investment, insurance, legal, tax or any other type of professional advice, and should be used only in conjunction with an Alta consultant and any other appropriate professional advisors who have full knowledge of the user’s situation. The accuracy, completeness, adequacy or currency of the website or the content is not warranted or guaranteed. Your use of the Content, the Site or materials linked from the website is at your own risk.

Alta does not represent or warrant that the website will be error-free, free of viruses or other harmful components, or that defects will be corrected. While Alta believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Alta does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Alta may make changes in the products and/or Contents herein, however, Alta makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Alta has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Alta. Furthermore, Alta makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind.

Limitation of Liability

Alta will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this Site. In no event shall Alta be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, copying or display of the Content.

Links to Other Sites

Some of the websites listed as links herein are not under the control of Alta. Accordingly, Alta makes no representations whatsoever concerning the content of those sites. The fact that Alta has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Alta with respect to such site, its owners or its providers. Alta is providing these links only as a convenience to you. Alta has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Alta cautions you to make sure that you completely investigate these risks before retrieving, using, relying upon transactions or obtaining information via the Internet.

Code of Conduct

Alta maintains a strict Code of Conduct covering many topics, including conflicts of interest, anti-bribery, privacy, financial reporting, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business.

Linking and Framing

Alta prohibits caching this Site, unauthorized hypertext links to this Site, and the framing of any materials available through this Site. Alta reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the contents of any other internet sites linked to this Site. Other internet sites which are linked to this Site have their own terms and conditions of use and privacy policies. Access to any other internet sites linked to this Site is at your own risk and Alta expressly disclaims any and all liability related to such websites.


Either you or Alta may terminate this agreement with or without cause at any time and effective immediately. You may terminate by discontinuing access to the Site and use of the Content and destroying all materials obtained from the Content. This agreement will terminate immediately without notice from Alta if Alta determines, in its sole discretion that you have failed to comply with any provision of these Terms. Upon termination by you or upon notice of termination by Alta, you must promptly destroy all materials obtained from the Content and any copies thereof and refrain from any further access to the Site.

Access Outside the United States

If you choose to access the Content from outside the United States, you are responsible for compliance with foreign and local laws. Alta makes no representation that the Content is applicable or appropriate for use in any location outside the United States. Furthermore, Alta does not provide services to any person, entity or their agents which are subject to U.S. trade sanctions, including, without limitation, to the following Embargoed Persons: (i) governments, government agencies, businesses organized in, and nationals or residents of any embargoed governments or regimes or (ii) to anyone on the U.S. Treasury Department's Office of Foreign Asset Control's lists of Specially Designated Nationals, Specially Designated Global Terrorists, and Foreign Terrorist Organizations. By using the Content, you represent and warrant that you are not an Embargoed Person and are not controlled by or acting as an agent of any such an Embargoed Person.

Rights Reserved

All present and future rights in and to trade secrets, patents, copyrights, trade names, trademarks, Content  marks, databases, know-how and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to the Content  shall, as between you and Alta, at all times be and remain the sole and exclusive property of Alta. All present and future rights in and title to the Content (including the right to exploit the Content and any portions of the Content over any present or future technology) are reserved to Alta.

Privacy Statement 

Alta believes strongly in protecting the privacy of internet users who visit our Site. Alta’s Privacy Policy contains information on the collection and use of Personal Information of users of our Site.

Governing Law 

These Terms shall be governed and construed in accordance with the laws of the United States of America and the State of Illinois, without giving effect to conflicts-of-law principles thereof. You agree to submit to the personal jurisdiction of the state and federal courts located in Lake County of Illinois with respect to any legal proceedings arising out of this agreement and waive any objection to the propriety or convenience of venue in such courts. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site, or these Terms must be filed within one (1) year after such claim or cause of action arose. If any provision of the Terms is found by a court of competent jurisdiction to be invalid or unenforceable, such provision shall be enforced to the maximum extent permissible and the other provisions of the Terms shall remain in full force and effect.

Severability of Provisions

These Terms incorporate by reference any notices contained on the Site and the Privacy Policy. These Terms constitute the entire agreement between you and Alta with respect to access to, and use of the website. If any provision of these Terms is unlawful, void or unenforceable, or conflicts with any other provision of the Terms, then the unlawful, void, unenforceable or conflicting provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

Contact Us

If you have any questions, would like further information about our privacy and information handling practices, would like to discuss opt-outs or withdrawing consent, or would like to make a complaint through the use of aggregated or otherwise de-identified data please contact our Chief Administrative Officer at


Date of last revision: November 25, 2019

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