Advertising Policy

Risk Regroup may use its website, search engines, social media platforms, email communications, digital advertising networks, and other channels to promote its brand, capabilities, services, and areas of expertise.

Advertising and promotional materials are intended solely to provide general information and facilitate initial contact with prospective clients or other market participants.

No advertisement creates an obligation for Risk Regroup to provide brokerage services, obtain quotations, secure capacity, place a risk, or enter into any transaction.

Risk Regroup operates as a reinsurance intermediary and does not itself underwrite or assume the risks presented to it.

Any references in advertising materials to reinsurance products, markets, capacity, premiums, terms, claims support, industries, or potential solutions are general in nature.

Actual availability is subject to factors including:

• *Risk characteristics
• *Underwriting information
• *Market appetite
• *Reinsurer approval
• *Available capacity
• *Pricing conditions
• *Geographic considerations
• *Applicable laws and regulations
• *Sanctions and compliance requirements
• *Final contractual terms and documentation

Nothing contained in an advertisement should be interpreted as confirmation that a particular risk can or will be placed.

Advertising displayed by Risk Regroup does not constitute an offer to bind insurance or reinsurance coverage.

No statement appearing in an advertisement, website, email, presentation, social media communication, or other promotional material guarantees:

• *Acceptance of a risk
• *Availability of reinsurance capacity
• *Receipt of a quotation
• *A particular premium
• *Specific terms or conditions
• *Placement within a particular timeframe
• *Renewal of existing coverage
• *Acceptance or payment of a claim
• *Participation by any particular insurer or reinsurer

Coverage is effective only when properly authorized and confirmed through the applicable binding and contractual procedures.

Risk Regroup may advertise its ability to seek competitive terms, premiums, or reinsurance solutions based on its market access and brokerage capabilities.

References such as “competitive terms,” “competitive premiums,” “best available terms,” “market access,” or similar statements describe the objective of Risk Regroup’s brokerage process and do not constitute a guarantee that Risk Regroup will obtain the lowest premium, most favorable terms, or any particular commercial outcome.

Market conditions and underwriting decisions remain outside Risk Regroup’s direct control.

Risk Regroup may advertise responsiveness, efficient placement processes, faster access to markets, faster quotation processes, or similar service characteristics.

Unless an advertisement expressly states otherwise and establishes specific conditions, such statements describe Risk Regroup’s service objectives and are not guarantees of a particular response, quotation, binding, or placement timeframe.

Response times may depend upon the complexity of the risk, completeness of submitted information, availability of markets, reinsurer response times, and other circumstances outside Risk Regroup’s reasonable control.

Risk Regroup may reference its relationships, network, or access to insurers, reinsurers, brokers, underwriting markets, syndicates, and other insurance industry participants.

Such references describe Risk Regroup’s market experience or ability to interact with relevant organizations and do not necessarily indicate an exclusive relationship, formal partnership, agency relationship, endorsement, joint venture, or ownership interest.

Access to a particular market does not guarantee that such market will consider, quote, participate in, or accept any particular risk.

Risk Regroup may display the names, trademarks, or logos of insurers, reinsurers, brokers, underwriting markets, syndicates, or other organizations where appropriate and legally permitted.

Unless expressly stated otherwise, the appearance of a third-party name or logo does not imply:

• *Sponsorship
• *Endorsement
• *Exclusivity
• *Ownership
• *Agency
• *Joint venture
• *Formal partnership
• *Guarantee of market participation

All third-party names, trademarks, and logos remain the property of their respective owners.

Risk Regroup may publish statistics concerning its network, placements, geographic reach, business activity, or other aspects of its operations.

Such information may be rounded, aggregated, historical, or calculated as of a particular period and should not be interpreted as a guarantee of future performance.

Past placements, market relationships, transaction volumes, or historical results do not guarantee comparable outcomes for future transactions.

Where Risk Regroup publishes testimonials, endorsements, case studies, or descriptions of previous transactions, they reflect particular experiences and circumstances.

Individual results may vary substantially depending upon the risk, market conditions, timing, available capacity, underwriting considerations, and other factors.

A testimonial or previous transaction should not be interpreted as a representation that another client will obtain the same or similar result.

Risk Regroup may use advertising and analytics technologies to measure website traffic, understand interactions with advertisements, evaluate campaign effectiveness, and improve its marketing activities.

These technologies may include cookies, pixels, conversion tracking, analytics tools, or similar technologies.

Their use is subject to Risk Regroup’s Privacy Policy, Cookie Policy, applicable platform requirements, and applicable privacy laws.

Risk Regroup may advertise through third-party platforms, including search engines, social networks, industry publications, and other digital services.

Risk Regroup does not control the independent operations, algorithms, data practices, availability, or policies of these platforms.

Users interacting with third-party platforms may also be subject to the terms, privacy policies, and advertising practices of those providers.

Where permitted by applicable law, Risk Regroup may direct advertising toward audiences based on business characteristics, professional interests, geographic regions, website interactions, or other lawful criteria.

Risk Regroup does not intend its advertising to unlawfully discriminate against any person or group or to target individuals in violation of applicable laws or platform requirements.

Risk Regroup’s advertisements may be visible to individuals in jurisdictions where certain services are unavailable, restricted, regulated, or subject to licensing requirements.

The availability of an advertisement in a particular jurisdiction does not constitute a representation that Risk Regroup is authorized to provide every advertised service in that jurisdiction.

Services are offered only where permitted by applicable law and subject to all relevant regulatory, licensing, compliance, and eligibility requirements.

Risk Regroup seeks to maintain accurate and current advertising materials. However, reinsurance markets, capacity, underwriting appetite, premiums, regulatory requirements, and business conditions may change rapidly.

Risk Regroup therefore reserves the right to modify, discontinue, correct, or update advertising content without prior notice.

Users should contact Risk Regroup directly for current information regarding a particular inquiry or risk.

Advertising and promotional materials provided by Risk Regroup do not constitute legal, tax, accounting, investment, financial, underwriting, or other professional advice.

Users should obtain independent professional advice where appropriate before making decisions based upon matters discussed in Risk Regroup’s advertising or website content.

To the fullest extent permitted by applicable law, Risk Regroup shall not be liable for losses, damages, costs, lost opportunities, or other consequences resulting solely from reliance upon general advertising or promotional information.

Users should not rely upon advertising materials as confirmation of coverage, capacity, pricing, terms, market participation, or any other transaction-specific matter.

Nothing in this Advertising Policy excludes or limits liability that cannot legally be excluded or limited under applicable law.

This Advertising Policy should be read together with Risk Regroup’s Terms and Conditions, Privacy Policy, Cookie Policy, and any other applicable notices or contractual documentation.

Where advertising relates to an actual reinsurance transaction, the applicable executed agreements, slips, binders, contracts, policies, endorsements, or other transaction-specific documentation will govern over general promotional content.

Risk Regroup may modify this Advertising Policy periodically to reflect changes in its advertising practices, services, technology, regulatory requirements, or applicable laws.

Any revised version may become effective upon publication on the website unless otherwise required by applicable law.

For questions regarding this Advertising Policy, Risk Regroup’s advertisements, promotional communications, website content, services, or any other related matter, please contact us at contact@riskregroup.com.