Terms and Conditions

Welcome to www.UniqueRisk.com ("Website"), operated by Unique Risk Management and Insurance Services LLC ("Company," "we," "us," or "our"), located at www.uniquerisk.com.

By accessing or using this Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all of these Terms, you must not access or use the Website.

1. Eligibility

You must be at least 13 years old to use this Website. If you are under 18, you represent that you have permission from a parent or legal guardian. We do not knowingly collect personal information from children under 13.

2. Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not violate any applicable local, state, federal, or international laws or regulations. You agree not to: copy, reproduce, distribute, or exploit Website content without authorization; sell, rent, or sublicense Website materials; attempt to gain unauthorized access to the Website or systems; or use the Website to transmit malicious code or spam.

3. Intellectual Property

Unless otherwise stated, all content on this Website, including text, graphics, logos, and software, is owned by or licensed to Unique Risk Management and Insurance Services LLC and is protected by U.S. and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access the Website for personal, non-commercial use only.

4. User-Generated Content and Comments

Certain areas of the Website may allow users to post content or comments ("User Content"). You represent and warrant that you own or have the necessary rights to post your User Content, that it does not violate any third-party rights, and that it is not defamatory, obscene, unlawful, or invasive of privacy. By submitting User Content, you grant Unique Risk Management and Insurance Services LLC a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and display such content in connection with the Website. We reserve the right, but not the obligation, to monitor, edit, or remove User Content at our sole discretion.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to operate and improve the Website. Required cookies are necessary for Website functionality and do not require consent. Optional cookies (analytics, marketing) may be accepted or declined where applicable. For detailed information on how we collect, use, and share personal data, please review our Privacy Policy, which is incorporated into these Terms by reference.

6. Privacy Rights (California & Florida)

If you are a resident of California or Florida, you may have additional privacy rights under applicable law, including rights to access personal information we collect, request deletion or correction of personal information, opt out of the sale or sharing of personal information, and not be discriminated against for exercising privacy rights. Details on exercising these rights are provided in our Privacy Policy.

7. Third-Party Links

This Website may contain links to third-party websites or services. We do not control and are not responsible for the content, policies, or practices of any third-party websites.

8. Hyperlinking to Our Website

Certain organizations may link to our Website without prior written approval, including government agencies, search engines, and news organizations. We reserve the right to request removal of any link to our Website at our sole discretion, and you agree to comply promptly.

9. Termination

We reserve the right to suspend or terminate your access to the Website at any time, with or without notice, for conduct that we believe violates these Terms or applicable law. Termination does not limit any rights or remedies available to us at law or in equity.

10. Disclaimers

The Website is provided "as is" and "as available." We make no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the Website will be error-free, secure, or uninterrupted.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Unique Risk Management and Insurance Services LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Website. Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or willful misconduct, or any liability that cannot be excluded under California or Florida law.

12. Indemnification

You agree to indemnify and hold harmless Unique Risk Management and Insurance Services LLC, its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses arising from your use of the Website or violation of these Terms.

13. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any legal action arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in California, unless otherwise required by applicable law.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Continued use of the Website constitutes acceptance of the revised Terms.

15. Contact Information

If you have questions about these Terms, you may contact us at: Unique Risk Management and Insurance Services LLC, 11582 SW Village Pkwy, Suite 545, Port St Lucie, FL 34987.