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Website Terms of Use

Last updated April 16, 2020
These Terms of Use (“Terms”) govern your access to and use of this website (“Site”), made available to you by Horizon Actuarial Services, LLC (“Horizon Actuarial,” “we,” “us,” or “our”). 

ARBITRATION NOTICE; CLASS WAIVER; WAIVER OF TRIAL BY JURY.  These Terms contain a binding arbitration provision.  You agree that all disputes between you and Horizon Actuarial will be resolved by mandatory binding arbitration and you waive any right to participate in a class action lawsuit or class-wide arbitration.

Privacy Policy

We collect certain data when you use the Site.  We will treat such data in the manner described in our Privacy Policy, which is incorporated into these Terms.  Our Privacy Policy describes our data collection, use, and sharing practices.

Intellectual Property Rights

The Site includes text, audio, video, graphics, charts, photographs, interfaces, icons, software, computer code, databases, trademarks, logos, slogans, names of products and services, documentation, other components and content, and the design, selection, and arrangement of content.  The Site is exclusively the property of Horizon Actuarial or its licensors.  The Site is protected by copyright, trademark and other intellectual property laws.  Any unauthorized use of the Site or related intellectual property belonging to Horizon Actuarial or any third party is strictly prohibited.  The Site may contain references to third-party marks and copies of third-party copyrighted materials, which are the property of their respective owners. 

Compliance with Laws

When you use the Site, you are responsible for complying with all applicable laws, regulations, and policies of all relevant jurisdictions, including all applicable rules regarding online conduct.

Restrictions on Your Use of the Site

  • You may download and print one copy of the Site’s visible content for your own personal noncommercial use as long as you do not modify or delete any copyright, trademark or other proprietary notices.

  • You will not otherwise copy, reproduce, display, duplicate, sell, publish, post, license, rent, distribute, modify, translate, adapt, reverse-engineer, or create derivative works of the Site or any part of the Site without Horizon Actuarial’s prior written consent.

  • You will not use the Site for unlawful purposes.

  • You warrant that all data you provide to us in connection with your access to and use of the Site is true, accurate and complete.

  • You will not submit inaccurate, incomplete, or out-of-date data via the Site, commit fraud or falsify data in connection with your use of the Site, or act maliciously against the business interests or reputation of Horizon Actuarial.

  • You will not engage in data mining or similar data gathering or extraction activities or retrieve data or other content from the Site for purposes of creating or compiling that content for any purpose.

  • You will not access, use, or copy any portion of the Site, including any of its content, through the use of indexing agents, spiders, scrapers, bots, web crawlers, or other automated devices or mechanisms.

  • You will not use the Site to post, transmit, input, upload, or otherwise provide any data or material that contains any viruses, worms, Trojan horses, logic bombs, time bombs, cancelbots, malware, ransomware, adware, or other harmful computer code or programming routines, including those designed to or that reasonably may disable, damage, impair, interfere with, surreptitiously intercept, or expropriate the Site or any computers, hardware, software, system, data, or networks.

  • You will not engage in activities designed to render the Site or associated services inoperable or to make their use more difficult.

No Warranty

The Site is provided “as is,” “as available,” and without any warranty of any kind.  Neither Horizon Actuarial nor its affiliates, suppliers, or licensors are responsible for providing maintenance or support services for the Site.  Horizon Actuarial makes commercially reasonable efforts to ensure that all material, data, and other information on the Site is accurate and reliable, but neither accuracy nor reliability can be guaranteed.  Horizon Actuarial does not warrant or guarantee the quality, completeness, timeliness, or availability of the Site.  Horizon Actuarial does not warrant or guarantee that the Site will be uninterrupted or error-free, that any defects in the Site will be corrected, or that the Site or the servers that make the Site available are free of viruses or other harmful conditions or components. Horizon Actuarial is not responsible for any typographical errors on the Site. 

To the maximum extent permitted by applicable law, Horizon Actuarial expressly disclaims all warranties of any kind with respect to the Site and all services, including without limitation those regarding availability, quality, accuracy, merchantability, fitness for any use or purpose, compatibility with any standards or user requirements, title, noninfringement, and any arising from a course of dealing or usage in trade.  Horizon Actuarial has no responsibility for the timeliness, deletion, misdelivery, or failure to store any user communication.  No advice or information, oral or written, obtained by you from Horizon Actuarial or in any manner from the Site creates any warranty.
We make no representation that the Site is appropriate or available for use in locations other than the United States. If you choose to access or use the Site from locations other than the United States, you do so at your own risk and you are responsible for complying with applicable laws and regulations.
Your use of the Site is at your own risk and you, alone, are responsible for any damage to your computer hardware, software, systems, and networks, any loss of data that results from the download of any data from the Site, and any other damage that may be incurred.
Certain jurisdictions prohibit the disclaimer of certain warranties, so some of the above may not apply to you.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event will Horizon Actuarial, its affiliates, or its or their respective directors, officers, owners, employees, contractors, representatives, consultants, agents, suppliers, or licensors (together, “Horizon Actuarial Parties”) be liable for any direct, indirect, special, incidental, exemplary, punitive, or consequential loss or damage, or any other loss or damage of any kind, arising out of or in connection with any services or the Site or your access to or use of, or inability to access or use, the Site (including without limitation the input of personal and other data into the Site), whether the claim is based in contract, tort (including negligence), strict liability, warranty, or otherwise, and even if a Horizon Actuarial Party has express knowledge of the possibility of the loss or damage. 

Your sole and exclusive remedy is to stop accessing and using the Site.  Without limiting the foregoing, in no event will Horizon Actuarial Parties’ liability to you exceed $100, even if this remedy fails of its essential purpose.  Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above exclusions and limitations may not apply to you.


You will indemnify, defend, and hold harmless Horizon Actuarial Parties from and against all losses, claims, liabilities, demands, complaints, actions, damages, judgments, settlements, fines, penalties, expenses, and costs (including without limitation reasonable attorneys’ fees) that arise out of or in connection with (a) your access to or use of the Site, (b) your misuse of any material, data, or other data downloaded or otherwise obtained from the Site, or (c) your breach of these Terms. We reserve, and you grant to us, the exclusive right to assume the defense and control of any matter subject to indemnification by you. 

Third-Party Websites

The Site may link to, or be linked to, websites not maintained or controlled by Horizon Actuarial.  Those links are provided as a convenience and Horizon Actuarial is not responsible for examining or evaluating the content or accuracy of, and does not warrant or endorse, any third-party website or any products or services made available through those websites. Please take care when leaving the Site to visit a third-party website. You should read the terms of use and privacy policy for each website that you visit.

Linking to the Site

If you operate a website and are interested in linking to the Site: (a) the link must be a text-only link and clearly marked; (b) the link and its use must be in connection with a website of appropriate subject matter; (c) the link and its use must not, nor have the potential to, damage or dilute the goodwill associated with Horizon Actuarial’s names and trademarks; (d) the link and its use must not create the false appearance that any program, person, or entity is associated with or sponsored by Horizon Actuarial; and (e) the link, when activated by a user, must display the Site full-screen and not within a frame. Horizon Actuarial reserves the right to revoke consent to link to the Site at any time in its sole discretion, either by amending these Terms or through other notice.


Horizon Actuarial welcomes comments regarding the Site.  If you submit comments or feedback to us regarding the Site, they will not be considered or treated as confidential.  We may use any comments and feedback that you send us in our discretion and without attribution or compensation to you.

Disputes;  Governing Law

These Terms are governed by the laws of the State of Georgia, without regards for its conflict of law principles.  Venue is exclusively in the state or federal courts, as applicable, located in DeKalb County, Georgia with respect to any dispute arising under these Terms.  The parties expressly agree to the exclusive jurisdiction of those courts.  Any cause of action or other claim with respect to the Site must be commenced within one year after the cause of action or claim arises.  The United Nations Convention for the International Sale of Goods does not apply.

Arbitration Agreement;  Class Waiver;  Waiver of Trail By Jury

Please read the following paragraphs carefully because they require you to arbitrate disputes with Horizon Actuarial and limit the manner in which you can seek relief from us. 

Applicability of Arbitration Agreement.

  1. Any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity hereof, including the determination of the scope or applicability of these Terms to arbitrate (hereinafter, collectively, the “Dispute”), which cannot be resolved informally, shall be resolved by binding arbitration on an individual basis under the terms set forth below (the “Arbitration Agreement”). Notwithstanding the foregoing, in the event of any actual, alleged or threatened violation of confidentiality or violation of the Horizon Actuarial’s intellectual property or other proprietary rights, Horizon Actuarial may immediately resort to court proceedings in a court of competent jurisdiction as set forth above in order to seek immediate injunctive relief without posting of a bond, proof of damages or other similar requirement. The institution of any action for injunctive relief shall not constitute a waiver of the right or obligation of any party to submit any claim seeking relief other than injunctive relief to arbitration.

  2. This Arbitration Agreement applies to you and Horizon Actuarial, and to any of our subsidiaries, affiliates, agents, employees, predecessors in interest, successors in interest, and assigns, as well as all authorized or unauthorized users or beneficiaries of the Site provided under the Terms.

Arbitrator.  The arbitration proceeding will be administered by the American Arbitration Association (“AAA”) before an arbitrator selected pursuant to the AAA rules.  The decision of the arbitrator will be final and binding.  Any final award or judgment may be filed and enforced in any court of competent jurisdiction.  The parties shall share equally in the costs assessed for the arbitration, and each party shall bear its own attorneys’ fees and costs.  Any arbitration proceeding may not be consolidated or joined with any other proceeding and will not proceed as a class action.  The parties understand that they would have had a right or opportunity to litigate disputes through a court, to have a judge or jury decide their case, and to participate in a class action or other proceeding involving multiple claimants, but they instead choose and agree to have all disputes as set forth herein decided through individual arbitration.

Place.  The place of arbitration shall be in Dunwoody, Georgia unless otherwise agreed to in writing by all parties to the arbitration. The parties acknowledge that this Arbitration Agreement evidences a transaction involving interstate commerce, and the Federal Arbitration Act, 9 U.S.C. Sections 1–16, shall govern the interpretation, enforcement and proceedings pursuant to this Arbitration Agreement.  The parties expressly agree that any and all actions taken under the Arbitration Agreement and related provisions, including but not limited to all filings, orders, judgments, and awards made in any arbitration proceeding, are confidential and may not be disclosed to any third party.

Survival.  This Arbitration Agreement provision will survive the termination of these Terms.

Time Limitation on Claims.  The parties agree that they must initiate arbitration within one (1) year after any Dispute arose; otherwise, the Dispute is permanently barred.


We may assign our rights and delegate our duties under these Terms at any time to any party without notice to you. You may not assign your rights or delegate your duties under these Terms without our prior written consent.  These Terms do not confer any rights, remedies, or benefits upon any person other than you and Horizon Actuarial, except that our affiliates are third-party beneficiaries of these Terms. These Terms, including our Privacy Policy, are the entire agreement between you and Horizon Actuarial with respect to your access to and use of the Site. Horizon Actuarial’s failure to enforce any provision of these Terms will not constitute a waiver of that provision or any other provision.  Any waiver of any provision of these Terms will be effective only if in writing and signed by Horizon Actuarial.  If any provision of these Terms is held invalid, void, or unenforceable, that provision will be severed from the remaining provisions and the remaining provisions will remain in full force and effect.  These Terms inure to the benefit of Horizon Actuarial’s successors and assigns.  Any provisions of these Terms that are intended to survive termination (including any provisions regarding indemnification, limitation of our liability, or dispute resolution) will continue in effect beyond any termination of these Terms or of your access to or use of the Site.  These Terms and any other documentation, agreements, notices, or communications between you and Horizon Actuarial may be provided to you electronically to the extent permissible by law.  Please print or otherwise save a copy of all documentation, agreements, notices, and other communications for your reference.

Contact Us

Please direct any questions and concerns regarding these Terms to us by email at, by telephone at 678.317.4100.

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