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 Celent, part of Oliver Wyman ("Celent") or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

Authorized Uses: Celent 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 Celent'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: Celent, part of Oliver Wyman" and the Celent copyright notice set out below is affixed to all graphics.

The Celent Copyright Notice
"Copyright © 2011, Celent, part of Oliver Wyman"

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

Privacy notice: Celent 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. (MMC) or its other subsidiaries unless otherwise agreed by the parties.

Disclaimers: The content contained on this site is provided with the understanding that Celent 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." Celent 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 Celent.

NONE OF CELENT, OLIVER WYMAN OR MMC 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; OR0070AF

  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 CELENT 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.

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