Legal Disclaimer

By using the (RM) web site, you are agreeing to abide by the Terms of Service below. By agreeing to these terms, you're taking responsibility for your own actions. Privacy Policy.

Terms of Service
RM is property of, and embodies trade secrets and confidential information proprietary to RM. It may not be reproduced, copied, used, disclosed, transferred, adapted or modified without the express written approval of RM.

The information provided on the RM web site is for comparison purposes only and does not constitute recommendation of anyone underwriter or insurance company. The information provided is deemed reliable but not guaranteed. It is the responsibility of each individual to verify all pertinent information when making any decision based on this database.

You expressly agree that use of the RM web site is at your sole risk. The RM web site is provided on an "as is" and "as available" basis. RM expressly disclaims all warranties of any kind, express or implied, including without limitation any warranty of merchantability or non-infringement.

RM makes no warranty that the RM web site will meet your requirements, or that the RM web site will be uninterrupted, timely, secure, or error free; nor does RM make any warranty as to the results that may be obtained from the use of the RM web site. RM will not be liable for any direct, consequential or incidental damages, whether foreseeable or not, which may result from the unavailability or malfunction of the RM web site.

You understand and agree that any material and/or data downloaded or otherwise obtained through the use of RM web site is at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material and/or data.

You understand and agree that RM does not guarantee the accuracy or completeness of any information in or provided in connection with the RM web site. RM is not responsible for any errors or omissions or for the results obtained from the use of such information.

RM shall not be responsible for any loss or damage caused, or alleged to have been caused, directly or indirectly, by the information or ideas contained, suggested or referenced on the RM site. Your participation in RM web site is solely at the your own risk. No advice or information, whether oral or written, obtained by you from RM or through RM web site shall create any warranty not expressly made herein.

Privacy Policy
At RM, we intend to give you as much control as possible over your personal information. In general, you can visit RM on the Web without telling us who you are or revealing any information about yourself.

There are times, however, when we may need information from you, such as your name and address. It is our intent to let you know before we collect personal information from you on the Internet. If you choose to give us personal information via the Internet that we or our business partners may need -- to correspond with you, process an order or provide you with a subscription, for example -- it is our intent to let you know how we will use such information. If you tell us that you do not wish to have this information used as a basis for further contact with you, we will respect your wishes.

RM will not sell to any third party your name, address, email address and member name. We will to the extent necessary to comply with applicable laws, police investigations, or in legal proceedings where such information is relevant.

We do keep track of the domains from which people visit us. We analyze this data for trends and statistics, and then we discard it.

Please write with any questions or comments.

Rick is owned and operated by, inc.