Terms and Conditions
Welcome to Total Risk Managers. These Terms and Conditions govern your use of our website and the services provided by Total Risk Managers, a global reinsurance agent and wholesale broker specializing in class-leading coverage. By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions.
1. Acceptance of Terms
By accessing or using our website, you confirm that you have read, understood, and agree to these Terms and Conditions. If you do not agree to these terms, you are prohibited from using our website and services.
2. Use of Website
- The content on this website is for informational purposes only. It does not constitute advice, recommendations, or an offer to sell or purchase any insurance or reinsurance product.
- You agree not to use this website for any unlawful purpose or in a manner that violates these Terms and Conditions.
3. Intellectual Property
- All content on this website, including text, graphics, logos, images, and software, is the property of Total Risk Managers and is protected by copyright, trademark, and other intellectual property laws.
- You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.
4. Disclaimer of Warranties
- This website is provided "as is" and "as available." Total Risk Managers makes no representations or warranties, express or implied, regarding the website's content, functionality, or availability.
- We do not guarantee that the website will be free from errors, interruptions, or harmful components such as viruses.
5. Limitation of Liability
To the fullest extent permitted by law, Total Risk Managers shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on its content.
6. Third-Party Links
- This website may contain links to third-party websites. Total Risk Managers does not endorse or assume responsibility for the content, policies, or practices of these websites.
- Accessing third-party links is at your own risk.
7. Privacy Policy
Your use of this website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information.
8. Changes to Terms and Conditions
Total Risk Managers reserves the right to update or modify these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting on this page. Your continued use of the website signifies your acceptance of the updated terms.
9. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of jurisdiction we operate in. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in the jurisdiction.
10. Contact Us
If you have any questions or concerns about these Terms and Conditions, please contact us.