1. Acceptance of Terms
By using our Services, you affirm that you are at least 18 years old and capable of entering into binding agreements. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Description of Services
CliRisk offers risk management consulting, analytics, and software solutions primarily to insurers, sub-insurance companies, and organizations facing financial, economic, and climate-related risks. The scope and availability of Services may vary and are subject to change without prior notice.
3. User Account and Security
To access certain features of the Services, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to update it as necessary. You are responsible for maintaining the confidentiality of your account credentials and are fully responsible for all activities under your account.
You agree to notify CliRisk immediately of any unauthorized use or breach of security relating to your account.
4. Fees and Payment
Where applicable, you agree to pay all fees specified for the Services you purchase. Payment terms, billing cycles, and refund policies will be detailed in separate agreements or invoices. Failure to pay may result in suspension or termination of your access to the Services.
5. Intellectual Property Rights
All intellectual property rights, including but not limited to copyrights, trademarks, patents, and trade secrets, related to the Services and all content therein, remain the sole property of CliRisk or its licensors.
You may not copy, modify, distribute, or create derivative works from any content without our express prior written consent.
6. Client Obligations
You agree to:
- Provide accurate and complete information required for the provision of Services.
- Use the Services only for lawful purposes and in compliance with applicable laws.
- Not attempt to gain unauthorized access to the Services or related systems.
7. Confidentiality
CliRisk acknowledges that in the course of providing Services, it may have access to your confidential information. We agree to protect such information with the same level of care as our own confidential information and only use it to perform the Services.
Similarly, you agree to keep confidential any proprietary information provided by CliRisk.
8. Disclaimer of Warranties
The Services are provided on an “as is” and “as available” basis. CliRisk expressly disclaims all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
CliRisk does not warrant that the Services will be uninterrupted, error-free, or completely secure.
9. Limitation of Liability
To the fullest extent permitted by law, CliRisk shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use or inability to use the Services.
10. Indemnification
You agree to indemnify, defend, and hold harmless CliRisk, its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms or your misuse of the Services.
11. Termination
CliRisk reserves the right to suspend or terminate your access to the Services at any time, with or without cause or notice. Upon termination, your right to use the Services will immediately cease, and you agree to stop all use of the Services.
12. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], USA, without regard to its conflict of law provisions.
Any disputes arising from or relating to these Terms or the Services shall be resolved first through good-faith negotiations. If unresolved, disputes will be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, held in [Your City], [Your State].
13. Third-Party Links and Services
Our Services may contain links to third-party websites or services not owned or controlled by CliRisk. We are not responsible for the content, privacy policies, or practices of any third parties.
14. Changes to Terms
CliRisk reserves the right to update or modify these Terms at any time. We will notify users of material changes by posting the revised Terms on our website or via direct communication. Your continued use of the Services after such changes constitutes acceptance of the new Terms.
15. Privacy
Your use of the Services is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review it carefully.
16. Entire Agreement
These Terms, together with any other legal notices published by CliRisk, constitute the entire agreement between you and CliRisk regarding your use of the Services and supersede any prior agreements.
17. Contact Information
If you have any questions about these Terms, please contact us at:
Email: info@clirisk.com
all rights reserved @2025