Terms and Conditions

License to use website

Unless otherwise stated, 5W Inc, dba 1 Reason Agency hereinafter called 1 Reason, and/or its licensors own most of the intellectual property rights in the website content, and 1 Reason identifies content generated by third-parties using the author field. Subject only to the following license below, all intellectual property rights are reserved.

You're welcome to read and review the site at your own risk, albeit if you do, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website. These terms and condition govern your use of this website, and by using this website, you accept these terms and conditions in full.

You must be at least 18 years of age to use this website. By using this website, you warrant and represent that you are at least 18 years of age.

Information on the site may be outdated, incorrect, wrong, or have errors.

You should confirm anything you read that may have a material impact on you, your business, someone you know, or someone you're consulting.

1 Reason, it's officers, staff, employees, and sub-contractors sell products and services, some of which are discussed on this site.

While I believe the information provided is accurate, you need to look no further than my wife to find someone who will say I'm not always right. In other words, while I put a great deal of time, study, and effort into this article, and hope it's valuable, it comes from my own business experience, nothing more or less.

I am licensed in insurance in many states, albeit not all, and so even my professional insurance opinion isn't any more than a business opinion in states I don't have a license in. Same is true with real estate, I'm a licensed real estate broker in Wisconsin, and so if you want to build a brewery or cheese factory in Wisconsin, I'm your man, otherwise, again, my advice isn't professional and is simply business advice.

Some content is provided by third-parties, and we don't verify or confirm the accuracy.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You are not authorized unless authorization is provided in writing,signed by an officer of 1 Reason:

Republish content from this website in any format, including print, websites, electronically, and/or any other format.

Sell, rent, license, or sub-license content from 1 Reason website;

Allow the display of content from the 1 Reason website in public;

Allow or reproduce, duplicate, copy or otherwise exploit content from 1 Reason website for a commercial purpose;

Where content is specifically made available for redistribution, it may only be redistributed as per terms of our express written authorization.

Acceptable use policy:

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without 1 Reason's express written consent from an officer.

Restricted access:

If 1 Reason provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential and not provided to another party without the express written authorization of 1 Reason.

1 Reason may disable your user ID and password in 1 Reason's sole discretion without notice or explanation.

User produced content:

In these terms and conditions, “your user content” means content (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to 1 Reason a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to 1 Reason the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or 1 Reason or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

1 Reason reserves the right to edit or remove any material submitted to this website.

Notwithstanding 1 Reason's rights under these terms and conditions in relation to user content, 1 Reason does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

No warranties or guarantees – Use is only as is.

This website is provided “as is” without any representations or warranties, express or implied. 1 Reason makes no representations or warranties in relation to this website or the information and content provided on this website.

Without prejudice to the generality of the foregoing paragraph, 1 Reason does not warrant that:

1 Reason will be constantly available, or available at all; or

the information is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind, and is only the opinion of the writer, that may be incorrect, or incomplete.

Limitations of liability

1 Reason will not be liable to you (whether under the law of contact, negligence, or otherwise) in relation to the contents of, or use of, or otherwise in connection with 1 Reason website, it's contributors, officers, staff, or contributors:

l [to the extent that the website is provided free-of-charge, for any direct loss, for any indirect, special or consequential loss, or for any business losses, loss of revenue, income, profits or anticipated savings or gains, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if 1 Reason has been expressly advised of the potential loss.


Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit [NAME’S] liability in respect of any:

Death or personal injury caused by1 Reason negligence; fraud or fraudulent misrepresentation on the part of 1 Reason; or matter which it would be illegal or unlawful for 1 Reason to exclude or limit, or to attempt or purport to exclude or limit, its liability.


By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable, and customary and usual for websites of this nature.

If you do not think they are reasonable, you must not use this website.

Other parties

You accept by using this website, as a limited liability entity, 1 Reason has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against 1 Reason's officers, staff, sub-contractors, contributors, or employees in respect of any losses and/or injuries in relation to the use of 1 Reason's website.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect or impact the enforceability of the other provisions of this website terms and conditions or disclaimer.


You hereby indemnify 1 Reason and undertake to keep 1 Reason indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by1 Reason to a third party in settlement of a claim or dispute on the advice of 1 Reason legal advisers) incurred or suffered by 1 Reason arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to 1 Reason's other rights under these terms and conditions, if you breach these terms and conditions in any way, 1 Reason may take such action as 1 Reason deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Updates and Revisions

1 Reason may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. You agree that you will check this page on a regular basis to ensure you are familiar with the current terms and condition.


If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions constitute the entire agreement between you and 1 Reason in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Hold Harmless Agreement

You agree to hold 1 Reason harmless from any and all injuries out of the use and/or action taken as a result of the content on this site.

Law and Jurisdiction

These terms and conditions will be governed by and construed in accordance with the laws and court of Eau Claire Wisconsin, and any disputes relating to these terms and conditions will be the subject matter and personal jurisdiction of the courts of Eau Claire County Wisconsin.

Updated 02/13/2018