FMi Retirement Services

FMi Terms and Conditions

  1. Assume everything you see or read on the site is copyrighted (unless otherwise noted) and may not be used except as provided in these terms and conditions or in the text on the site without the written permission of FM International Services (NY), Ltd. (“FMi”). FMi neither warrants nor represents that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with FMi.
  2. While FMi uses reasonable efforts to include accurate and up-to-date information in the site, FMi makes no warranties or representations as to its accuracy. FMi assumes no liability or responsibility for any errors or omissions in the content of the site.
  3. Your use of and browsing in the site are at your risk. Neither FMi nor any of its agencies, nor any other party involved in creating, producing or delivering the site, is liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you “as is” without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. FMi also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video or audio from the site.
  4. Any communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like, is and will be treated as non-confidential and nonproprietary, unless otherwise specifically indicated. Anything you transmit or post becomes the property of FMi or its affiliates and may be used for any purpose including but not limited to reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, FMi is free to use any ideas, concepts, know-how or techniques contained in any communication you send to the site for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products using such information.
  5. Images of people or places displayed on the site are either the property of or used with permission by FMi. The use of these images by you or anyone else authorized by you is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
  6. The trademarks, logos and service marks (collectively the “trademarks”) displayed on the site are registered and unregistered trademarks of FMi. Nothing contained on the site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on the site without the written permission of FMi or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided in these terms and conditions, is strictly prohibited. You are also advised that FMi will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.
  7. FMi has not reviewed any or all of the sites linked to the site and is not responsible for the content of any off-site pages or any other sites linked to the site. Your linking to the site, off-site pages or other sites is at your own risk and without the permission of FMi.
  8. Although FMi may, from time to time, monitor or review postings, transmissions and the like on the site, FMi is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on the site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law. FMi will fully cooperate with any law enforcement authorities or court order requesting or directing FMi to disclose the identity of anyone posting any such information or materials.
  9. FMi may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.


11 Prospect Street
Huntington, NY 11743

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