Terms and Conditions

Last updated 10-6-15

Please read these Terms and Conditions carefully before using the http://irsghome.org website, or services operated by the Insurance Rehabilitation Study Group (IRSG)/Plan It Forward.

Your access to and use of the website and services is conditioned on your acceptance of and compliance with these terms. These terms apply to all visitors, users, and others who access or use the website or services.

By accessing or using the website or services, you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the website and services.


IRSG/Plan It Forward may terminate or suspend access to our website immediately, without prior notice or liability for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the terms shall survive termination, including without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Links to Other Web Sites

Our website may contain links to third-party web sites or services that are not owned or controlled by IRSG/Plan It Forward.

IRSG/Plan It Forward has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party website or services. You further acknowledge and agree that IRSG/Plan it Forward shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Governing Law

These terms shall be governed and construed in accordance with the laws of the United States of America., without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these terms is held to be invalid or unenforceable by a court, the remaining provisions of these terms will remain in effect. These terms constitute the entire agreement between us regarding our website/services, and supersede and replace any prior agreements we might have between us regarding the website/service


We reserve the right, at our sole discretion, to modify or replace these terms at any time. If a revision is material we will try to provide at least 30 days’ notice prior to any new terms taking effect. By continuing to access or use our website or services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the website or service.

Contact Us

If you have any questions about these Terms, please contact us.