Privacy Policy

Risk Regroup may collect information that users voluntarily provide through the website, registration forms, inquiry forms, email communications, or other interactions with us.

This information may include:

• *Name
• *Email address
• *Telephone number
• *Company or organization
• *Job title or professional information
• *Country or location
• *Information regarding an insurance or reinsurance inquiry
• *Risk, exposure, coverage, placement, or claims-related information
• *Documents or information voluntarily submitted by users
• *Communications exchanged with Risk Regroup
• *Any other information voluntarily provided to us

We may also automatically collect certain technical information when users interact with the website, including IP address, browser type, device information, operating system, referring pages, pages visited, approximate location derived from technical information, and website usage data.

Risk Regroup may use collected information for legitimate business purposes, including to:

• *Respond to inquiries and requests
• *Evaluate potential reinsurance opportunities
• *Communicate with prospective and existing clients
• *Provide brokerage and intermediary services
• *Identify potentially suitable insurers, reinsurers, brokers, or other markets
• *Facilitate quotations, submissions, placements, renewals, endorsements, and claims-related communications
• *Verify information and conduct appropriate due diligence
• *Meet legal, regulatory, compliance, sanctions, or contractual requirements
• *Maintain business records
• *Improve our website and services
• *Protect the security and integrity of our systems
• *Prevent fraud, misuse, or unlawful activity
• *Send relevant business communications where permitted by applicable law

Submission of information through this website does not guarantee that Risk Regroup will accept, market, quote, place, or otherwise act upon any proposed risk.

Due to the nature of reinsurance brokerage, information provided to Risk Regroup may need to be communicated to third parties for the purpose of evaluating or facilitating a potential or existing transaction.

Depending on the circumstances, these parties may include insurers, reinsurers, brokers, underwriting agencies, syndicates, claims professionals, adjusters, consultants, service providers, and other participants involved in the insurance or reinsurance market.

Risk Regroup may disclose relevant information to such parties where reasonably necessary to evaluate, negotiate, structure, place, administer, renew, or support an insurance or reinsurance transaction.

Reinsurance is an international business. Information submitted to Risk Regroup may therefore be transmitted to, processed by, or stored with organizations located outside the user’s state or country.

Different jurisdictions may provide different levels of privacy protection.

Where required by applicable law, Risk Regroup will take appropriate measures in connection with international transfers of personal information.

Risk Regroup does not disclose personal information indiscriminately.

Information may be shared when reasonably necessary with:

• *Insurers and reinsurers
• *Insurance and reinsurance intermediaries
• *Lloyd’s market participants and other underwriting markets
• *Claims administrators and loss adjusters
• *Professional advisers
• *Technology and hosting providers
• *Communications and operational service providers
• *Regulatory, governmental, judicial, or law-enforcement authorities where legally required
• *Parties involved in an actual or proposed corporate transaction involving Risk Regroup

Information may also be disclosed where Risk Regroup reasonably believes disclosure is necessary to comply with applicable law, enforce legal rights, protect its operations, investigate fraud or misuse, or protect Risk Regroup, its clients, users, or third parties.

Risk Regroup does not sell personal information in the ordinary meaning of selling personal information for monetary consideration.

Certain U.S. privacy laws may define terms such as “sale,” “sharing,” or “targeted advertising” more broadly. Where such laws apply, Risk Regroup will provide any notices, rights, or mechanisms required by applicable law.

The website may use cookies and similar technologies to support website functionality, understand website usage, maintain security, remember preferences, and improve user experience.

Certain third-party services integrated into the website may also use cookies or similar technologies in accordance with their respective policies.

Additional information may be provided in Risk Regroup’s Cookie Policy.

Risk Regroup uses reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, electronic communication, transmission method, or information storage system can be guaranteed to be completely secure.

Accordingly, Risk Regroup cannot guarantee the absolute security of information transmitted through the internet or stored electronically, and users provide information electronically at their own risk to the extent permitted by applicable law.

Risk Regroup may retain personal and business information for as long as reasonably necessary for the purposes for which it was collected, including servicing inquiries or transactions, maintaining business records, resolving disputes, enforcing agreements, and satisfying legal, regulatory, compliance, accounting, or reporting requirements.

Retention periods may vary depending on the nature of the information and the applicable legal or business requirements.

Depending on where a user resides and the laws applicable to the processing of their information, users may have certain privacy rights, which may include the right to:

• *Request access to personal information
• *Request correction of inaccurate information
• *Request deletion of certain information
• *Request information regarding categories of information collected or disclosed
• *Object to or restrict certain processing
• *Withdraw consent where processing depends upon consent
• *Opt out of certain communications
• *Exercise other rights provided by applicable privacy laws

These rights are not absolute and may be subject to legal exceptions, verification requirements, record-retention obligations, regulatory requirements, or other limitations permitted by law.

Risk Regroup may request reasonable information necessary to verify the identity and authority of a person submitting a privacy request.

Residents of certain U.S. states may have additional rights under applicable state privacy legislation.

Where such laws apply to Risk Regroup and the relevant processing activity, Risk Regroup will honor applicable rights and provide required disclosures in accordance with the relevant law.

Risk Regroup will not unlawfully discriminate against an individual for exercising an applicable privacy right.

Risk Regroup may communicate with users regarding inquiries, requested services, transactions, placements, claims, administrative matters, or other relevant business communications.

Where applicable law requires an opportunity to unsubscribe from marketing communications, users may exercise that option using the mechanism provided in the communication or by contacting Risk Regroup.

Operational, transactional, regulatory, or service-related communications may continue where necessary or permitted by law.

The Risk Regroup website may contain links to websites, platforms, or services operated by third parties.

Risk Regroup does not control the privacy, security, or data-processing practices of independent third parties and is not responsible for their policies or practices.

Users should review the privacy policies of third-party websites before providing personal information to them.

Users who provide Risk Regroup with personal information concerning another individual represent that they have the authority or other lawful basis necessary to provide such information where required by applicable law.

Users should avoid submitting unnecessary sensitive personal information through general website forms.

Risk Regroup’s website and services are intended for businesses and professionals and are not directed toward children.

Risk Regroup does not knowingly seek to collect personal information from children through this website. If Risk Regroup becomes aware that information concerning a child has been collected in circumstances requiring deletion under applicable law, appropriate steps may be taken to address the information.

Certain information received by Risk Regroup may form part of records relating to insurance or reinsurance transactions, regulatory obligations, compliance reviews, claims, accounting, or other legitimate business activities.

Nothing in this Privacy Policy requires Risk Regroup to delete, modify, or cease processing information where retention or processing is required or permitted by applicable law, regulation, contractual obligation, legal proceeding, or legitimate business necessity.

Risk Regroup may update this Privacy Policy periodically to reflect changes in its operations, technology, legal requirements, or privacy practices.

Any updated version may be published on this website and will become effective as stated in the updated policy or as otherwise required by applicable law.

Users are encouraged to review this Privacy Policy periodically.

Risk Regroup handles personal information in accordance with privacy and data-protection laws applicable to its operations and the relevant processing activity.

Nothing in this Privacy Policy is intended to provide rights beyond those required by applicable law or to limit rights that cannot legally be waived.

For questions regarding this Privacy Policy, requests concerning personal information, privacy rights, Risk Regroup’s data practices, or any other privacy-related matter, please contact us at contact@riskregroup.com.