Privacy Policy is committed to protecting the privacy of visitors that use our Site. is a supporter of enhanced protections for Internet privacy. In general, Durrett & David Risk Management, Inc. (and our partners) respect your contact information and treat it as private and confidential. will not typically give, sell, rent, exchange or otherwise provide your information with anyone else without prior consent or full disclosure. We will notify users of updates to this policy by noting the date of new changes directly below this statement.  Policy effective January 15, 2015. servers may record the IP address of the computer you are using; the browser software you use and your operating system; the date and time you access our site; and the Internet address of the Web site from which you linked directly to our site. We use this information to measure the number of visitors to different sections of the site, to diagnose and correct system errors, and to improve the site. We do not connect this information to your name or identity, and we periodically delete this information from the server. We make limited use of cookies on this site for convenience features and to identify and prevent click fraud patterns. These cookies are only accessible within and are typically deleted as soon as possible. Our Site contains links to other websites, including sites that we do not own or operate. Unless otherwise expressly stated, is not responsible for the privacy practices or the content of such websites, including such sites’ use of any information collected when Site visitors click through links to those sites. We encourage you to read the Privacy Policies of websites linked to our Site.

Terms & Conditions

Before using this web site please read the terms and conditions as set forth below. By using this web site or related properties you agree to be bound by these terms of use. Durrett & David Risk Management, Inc. and their wholly owned web properties, reserve the right to revise these terms at any time without notice and, by using this web site subsequent to the revision of the terms of use, you agree to be bound by such changes. If you find the terms to be unacceptable, you should terminate your use of this web site and all related web properties immediately.

1. No Representation or Warranty

1.1 The documents, graphics and images published at could include inaccuracies or typographical errors. Additionally, we reserve the right to modify the information contained in this Web Site without notice.
To the extent permitted by the laws of the United States, information on this web site is provided “as is” without warranty, either express or implied. Including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

1.2 This site may contain links to other Web Sites, which are completely independent of We make no representation or warranty as to the accuracy of content, completeness or authenticity of the information or opinions contained in any such linked Web Site.

2. Confidentiality

2.1 Your confidential use of this site cannot be guaranteed by us. We shall not be responsible for any harm that you or any person may suffer as a result of a breach of confidentiality in respect to your use of this site

3. Limitation of Damages

3.1 In no event will we, our officers, employees, contractors, subcontractors, suppliers, agents, affiliates, subsidiaries, successors or assigns be liable to any party for any direct, indirect, or other consequential loss for any use of this web site, or use of any other linked website, even if we are expressly advised of the possibility of such loss. The term “loss” includes, without limitation, legal fees, any lost profits, business interruption and loss of programs or other data on your information handling system.

4. Confidentiality

4.1 All right, title and interest (including all copyrights, trademarks and other intellectual property rights) in this Web Site belong to Durrett & David Risk Management, Inc. In addition, the names, images and other indicia identifying our products and services are our proprietary marks. All copyrights, trademarks and other intellectual property rights referred to in this Web Site belong to their respective owners.

5. License

5.1 Except as expressly provided in clause 5.2, nothing contained in this Web Site shall be construed as conferring any license or right, expressly, by implication, or otherwise, under any of our intellectual property rights, or under any third party’s intellectual property rights, and no part of this Web Site may be reproduced, republished, copied, transmitted, or distributed in any form or by any means without prior written notice.
5.2 You are hereby granted a nonexclusive, non-transferable, limited license to view, reproduce, print, and distribute materials retrieved from this Web Site provided (a) such materials are used only for informational, non-commercial purposes, and (b) you do not remove or obscure the copyright notice or other notices.

6. Linking to this Web Site

6.1 You may provide links to provided (a) you do not remove or obscure our copyright notice, or other notices on this Web Site, (b) you will upon written notice, discontinue providing a link to if instructed to do so by us.

7. Governing Laws in Case of Dispute

7.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Georgia as they apply to agreements made and sol

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