Terms and Conditions

Risk Regroup operates as a reinsurance intermediary, providing brokerage and related intermediary services in connection with reinsurance transactions.

Risk Regroup is not an insurer and does not itself underwrite, insure, guarantee, or assume any risk presented through this website or otherwise submitted to Risk Regroup.

Any reinsurance coverage, capacity, quotation, indication, terms, conditions, limits, exclusions, premiums, or other contractual provisions are subject to the applicable reinsurer's approval, underwriting requirements, documentation, and final agreement.

All information contained on this website is provided solely for general informational purposes.

Nothing contained on this website constitutes or should be interpreted as:

• *an offer to provide or bind reinsurance coverage;
• *an insurance or reinsurance quotation;
• *confirmation that coverage is available;
• *financial, legal, tax, accounting, underwriting, or investment advice;
• *a recommendation regarding any insurer, reinsurer, policy, coverage, transaction, or risk;
• *a representation that any particular terms, premiums, limits, or capacity will be available; or
• *the creation of a broker-client, fiduciary, advisory, agency, or other professional relationship.

Users should not make business, financial, insurance, reinsurance, or legal decisions solely in reliance upon information appearing on this website.

Accessing this website does not automatically provide access to Risk Regroup's brokerage services.

Users interested in obtaining additional information, discussing a risk, requesting market access, or exploring potential reinsurance solutions may be required to submit an inquiry, register, provide documentation, or otherwise communicate directly with Risk Regroup.

Submission of any form, registration, email, inquiry, risk information, or documentation does not constitute acceptance of a risk, confirmation of coverage, appointment of Risk Regroup as broker, or commitment by Risk Regroup or any reinsurer to provide terms or capacity.

Risk Regroup reserves the right, in its sole discretion and subject to applicable law, to determine whether it will consider, pursue, place, or otherwise assist with any inquiry or proposed transaction.

No insurance or reinsurance coverage may be considered bound, effective, renewed, extended, amended, or otherwise in force solely as a result of information displayed on this website or communications initiated through it.

Coverage exists only when expressly confirmed through the appropriate binding documentation and procedures by duly authorized parties.

Users remain responsible for confirming the existence, scope, effective dates, terms, conditions, exclusions, limits, and status of any coverage.

Risk Regroup acts as an intermediary and does not control the independent underwriting, pricing, capacity, claims, credit, or business decisions of insurers, reinsurers, brokers, underwriting agencies, syndicates, or other market participants.

Accordingly, Risk Regroup does not guarantee:

• *acceptance of any risk;
• *availability of capacity;
• *issuance of quotations;
• *any particular premium or pricing;
• *renewal or continuation of coverage;
• *the financial performance or solvency of any market participant;
• *payment or settlement of any claim; or
• *any particular underwriting or claims outcome.

All final decisions remain subject to the applicable market participant and the terms of the relevant contractual documentation.

Risk Regroup seeks to maintain useful and accurate information on this website but does not warrant that all content will at all times be complete, current, error-free, uninterrupted, or suitable for a particular purpose.

Market conditions, underwriting appetite, capacity, pricing, regulatory requirements, and other information may change without notice.

Risk Regroup reserves the right to modify, remove, suspend, or update any website content at any time.

To the fullest extent permitted by applicable law, Risk Regroup and its affiliates, owners, directors, officers, employees, representatives, agents, and service providers shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, loss of profits, loss of business, loss of data, business interruption, loss of opportunity, or other losses arising out of or relating to:

• *access to or use of this website;
• *inability to access or use the website;
• *reliance upon information appearing on the website;
• *information submitted through the website;
• *delays, errors, omissions, interruptions, or technical failures;
• *decisions made by third-party insurers, reinsurers, brokers, or other market participants; or
• *any transaction that is not expressly confirmed through appropriate contractual documentation.

Nothing in these Terms excludes or limits liability to the extent such liability cannot lawfully be excluded or limited.

This website and its content are provided on an "as is" and "as available" basis.

To the fullest extent permitted by applicable law, Risk Regroup disclaims all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement, and uninterrupted operation.

References to insurers, reinsurers, brokers, syndicates, markets, organizations, brands, or other third parties are provided for informational purposes only.

The display of a third-party name, trademark, or logo does not necessarily imply endorsement, ownership, agency, exclusivity, partnership, joint venture, or any other formal legal relationship unless expressly stated.

All third-party trademarks and intellectual property remain the property of their respective owners.

This website may contain links to third-party websites or services. Risk Regroup does not control and is not responsible for the content, security, privacy practices, availability, accuracy, or operation of third-party websites.

Access to third-party websites is at the user's own discretion and subject to the applicable third party's terms and policies.

Users agree to provide accurate and lawful information when submitting inquiries or documentation through the website.

Users must not use the website to transmit unlawful, fraudulent, malicious, misleading, defamatory, infringing, or harmful content, attempt unauthorized access to any system, interfere with website functionality, or use the website for any unlawful purpose.

Unless otherwise indicated, the website's original content, design, graphics, text, branding, layout, and other proprietary materials are owned by or licensed to Risk Regroup and are protected by applicable intellectual property laws.

No content may be copied, reproduced, distributed, modified, commercially exploited, or republished without prior authorization, except as permitted by applicable law.

Information submitted through the website may be processed in accordance with Risk Regroup's Privacy Policy and other applicable policies.

By contacting Risk Regroup electronically, users consent to receiving communications related to their inquiry, subject to applicable law and any legally required consent or opt-out rights.

Users are responsible for ensuring that their use of this website complies with the laws and regulations applicable to them.

Risk Regroup's products and services may not be available in every jurisdiction and may be subject to licensing, regulatory, sanctions, compliance, eligibility, and other requirements.

Nothing on this website constitutes a solicitation or offer in any jurisdiction where such activity would be unlawful or unauthorized.

To the fullest extent permitted by applicable law, users agree to indemnify and hold harmless Risk Regroup and its affiliates, directors, officers, employees, representatives, and agents from claims, losses, liabilities, damages, costs, and reasonable expenses arising from the user's unlawful misuse of the website, violation of these Terms, or infringement of third-party rights.

Risk Regroup may amend these Terms and Conditions from time to time to reflect changes to the website, its business practices, or applicable legal and regulatory requirements.

Updated Terms become effective when posted on the website unless otherwise required by applicable law. Continued use of the website following an update constitutes acceptance to the extent permitted by law.

These Terms and Conditions shall be governed by applicable laws of the United States and, where applicable, the laws of the state in which Risk Regroup maintains its principal U.S. operations, without prejudice to any mandatory laws or jurisdictional rights that cannot legally be waived.

Nothing in these Terms is intended to waive any right or protection that cannot lawfully be waived.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall continue in full force and effect.

These Terms govern use of the website and do not replace, amend, or supersede any separate brokerage agreement, terms of business, engagement letter, binder, slip, policy, reinsurance contract, or other contractual documentation entered into by the relevant parties.

In the event of any inconsistency, the applicable executed contractual documentation shall govern the relevant transaction.

For any questions regarding these Terms and Conditions, the website, Risk Regroup's services, or any other matter, please contact us at contact@riskregroup.com.