Terms of Use

Please read these terms and conditions carefully. By accessing this site, and any pages hereof, you agree to be bound by these terms and conditions. The content contained on this site, including these terms and conditions, is subject to change.

Copyrights and Trademarks:

All content contained on this site is the proprietary information and exclusive property of Oliver Wyman or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.
Interactive Strategy Models ®, Strategic Anticipation ®, Strategic Choice Analysis ®, and Value Migration ®, are registered trademarks of Oliver Wyman. Oliver Wyman also has applied for trademarks on the terms Value Net Design SM and Choiceboard SM.  All other product and company names belong to their respective owners.

Authorized Uses:

Oliver Wyman hereby grants you a non-exclusive, not-transferable license for the term hereof to access and download, display, and print the content on this site on any single computer solely for your internal, business use, provided that you do not modify such content in any way and that you retain all copyright and other proprietary notices displayed on such content. You may not otherwise reproduce, modify, distribute, transmit, post or disclose the content on this site without Oliver Wyman’s prior written consent.
Notwithstanding the foregoing, members of the press may cite a copy of each graph, slide, or a portion of text less than two paragraphs long contained on this site, provided that all portions of text are identified as "Source: Oliver Wyman" and the Oliver Wyman copyright notice set out below is affixed to all graphics.

The Oliver Wyman Copyright Notice

"Copyright © 2013, Oliver Wyman"

Submissions:

Oliver Wyman will become the sole owner of any information you submit to Oliver Wyman via this site. Oliver Wyman may use any ideas, concepts, know-how, or techniques you may provide to Oliver Wyman through this site, for any purpose. Oliver Wyman has no duty to keep such information confidential - - except as Oliver Wyman agrees to in advance in writing, or as required by law.

Privacy notice:

Oliver Wyman does not sell, give, or trade its customer list, prospect list, or mailing lists to any person or company other than Oliver Wyman’s parent company, Marsh & McLennan Companies, Inc. or its other subsidiaries.

Disclaimers:

The content contained on this site is provided with the understanding that Oliver Wyman is not herein engaged in providing professional advice and services to you. The content contained on this site--including text, graphics, links or other items--is provided "as is," "as available." Oliver Wyman does not warrant the accuracy, adequacy or completeness of the content contained on this site and expressly disclaims liability for errors or omissions in such content. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the content contained on this site. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by Oliver Wyman.

OLIVER WYMAN SHALL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, OR EXPENSES, WHETHER DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, INCIDENTAL, OR CONSEQUENTIAL, BASED ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH:
1. THE USE OF THE CONTENT ON THIS SITE OR ANY CONTENT ON A LINKED WEB SITE;
2. THE INABILITY TO USE ANY SUCH CONTENT; OR
3. ANY FAILURE OF PERFORMANCE, ERROR OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE,

EVEN IF THE CLAIMANT TELLS OLIVER WYMAN OR ITS REPRESENTATIVES OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES.

Governing Law; Jurisdiction:

These terms and conditions are governed by the laws of the State of New York without reference to the principles of conflicts of laws thereof. Any dispute arising from these terms and conditions shall be resolved exclusively in the state and federal courts of the County of New York.