Commercial organizations wishing to acquire a license to access and download Torch Insight COVID-19 Burden Index Projections must contact info.torchinsight@milliman.com prior to doing so. Any access, download or redistribution for commercial purposes is strictly prohibited without express written consent of Torch Insight, LLC.
For non-commercial users of Torch Insight COVID-19 Burden Index Projections, the following constitutes prior written permission, as required under Section 7 of our Complete Terms and Conditions of Use (see below).
Written content, graphs, and screenshots of the visualizations on Torch Insight COVID-19 Burden Index Websites can be copied and redistributed with proper attribution to Torch Insight, LLC and the Torch Insight platform as follows: “Source: Torch Insight from Torch Insight, LLC”.
Data made available for download on Torch Insight COVID-19 Burden Index Projection Websites can be used, shared, modified or built upon by non-commercial users; it cannot be resold without a commercial license from Torch Insight, LLC.
Torch Insight Public Website Terms and Conditions of Use:
These Website Terms and Conditions of Use, as updated from time to time by Torch Insight, LLC (also referred to as “Torch Insight” or “Torch” in this document), apply to this website (“website”). You should carefully read these Website Terms and Conditions of Use before using the website. This is a legally binding agreement. If you do not agree with these Website Terms and Conditions of Use, you are not authorized to use this website.
Access to certain portions of this website (“Password-Protected Areas”) may require login and password information. You must have this information in order to access these areas.
The use of your personally identifying and non-personal information will be governed by the Online Privacy Statement found at https://torchinsight.com/legal/privacy-policy.html. Your use of this website indicates that you have read and agree to the Online Privacy Statement.
You are responsible for your behavior in your use of this website and for respecting Torch Insight and third parties’ (person or entity) rights in connection with the website and its content.
The use of this website is solely at your own risk. This website is provided on an “as is” and “as available” basis. Torch Insight expressly disclaims all warranties of any kind with respect to this website whether express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Torch Insight expressly disclaims any responsibility for the actions of any other user of this website. Torch Insight makes no warranty that this website will meet your requirements, or will be uninterrupted, timely, secure, current, accurate, complete or error-free or that the results that may be obtained by use of the site will be accurate or reliable. You understand and acknowledge that your sole and exclusive remedy with respect to any defect in or dissatisfaction with the site is to cease to use this website.
You expressly understand and Agree that Torch Insight shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including without limitation, damages for loss of profits, goodwill, use, data loss, or other losses (even if advised of the possibility of such damages) resulting from any matter related to your use of this website.
This website and its contents are owned by Torch Insight or third parties and are protected by law, including but not limited to copyright and trademark law. Certain content, such as copyrighted materials and trademarks, are used by permission of third parties. Except as allowed by law (such as fair use) or as expressly permitted in connection with specific content, this website and its contents may not be reproduced, modified, distributed, displayed, performed, or used in any way without the prior written permission of Torch Insight or the third-party owner.
You may contact Torch Insight at email address info.torchinsight@milliman.com. For more information, please visit the Torch Insight website at https://www.torchinsight.com.
This website may include links to other websites. You acknowledge and agree that such links are provided for your convenience and do not reflect any endorsement by Torch Insight with respect to the linked site or its provider. Torch Insight makes no representations or warranties with respect to any linked website: Your use of any linked website is solely at your own risk.
This Agreement and the relationship between you and Torch Insight will be governed by the laws of the State of Utah, without respect to its conflict of law provisions. You agree that venue with respect to any dispute between you and Torch Insight or any affiliated entity will rest exclusively in the state or federal courts located in Salt Lake City, Utah.
From time to time, Torch Insight may change this website and/or the Website Terms and Conditions of Use. If a change to these Website Terms and Conditions of Use is made, Torch Insight will post the revised Website Terms and Conditions of Use on this website. Torch Insight reserves the right to add to or change this website or cease offering this website at any time and without liability. Torch Insight reserves the right to refuse to offer access to this website and/or its content to anyone at any time without notice.
These Website Terms and Conditions of Use constitute the entire agreement between you and Torch Insight relating to this website. There is no agency, partnership or joint venture relationship between any user and Torch Insight arising solely through the use of this website. These Website Terms and Conditions of Use are binding upon your successors, assigns, heirs and executors. If any provision of these Website Terms and Conditions of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Website Terms and Conditions of Use, which shall remain in full force and effect. The failure of Torch Insight to exercise or enforce any right or provision of these Website Terms and Conditions of Use shall not constitute a waiver of such right or condition. Any claim or cause of action arising out of or related to the website or these Website Terms and Conditions of Use must be filed within one year after such claim or cause of action arose. The section titles of these Website Terms and Conditions of Use of Use are merely for convenience and will not have any effect on the substantive meaning of this agreement.
Torch Insight may offer some data and insights to the public. Torch Insight encourages you to be mindful of the intent and purpose of its websites and be responsible for safeguarding your personally identifiable information.
Torch Insight may block, suspend, or terminate your use of the website at any time for any reason. Reasons Torch Insight might do so include, but are not limited to, the following: (a) your breach of this agreement; (b) Torch Insight is unable to verify or authenticate any information you provide to us; or (c) Torch Insight believes that your actions could cause financial loss or legal liability to Torch Insight or other users of this website; (d) routine network maintenance affecting all users; or (e) your use of this website or service in a manner that violates the law or Torch Insight policies.
If you have questions about these Website Terms and Conditions of Use, you should contact Torch Insight at info.torchinsight@milliman.com, which publishes the website. April 9, 2020
