Terms and Conditions

Risk & Loss Consultants, LLC
Effective Date: [3/3/2026]

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Risk & Loss Consultants, LLC (“Company,” “we,” “our,” or “us”) By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.

1. Use of Website

This website is intended for informational purposes only.

You agree to use this website:

  • For lawful purposes only

  • In a manner that does not infringe the rights of others

  • Without attempting to gain unauthorized access to systems or data

  • We reserve the right to restrict or terminate access to the website at our discretion.

2. No Professional Advice

The information provided on this website is for general informational purposes only and does not constitute:

  • Engineering advice

  • Legal advice

  • Insurance underwriting decisions

  • Risk management recommendations specific to any property

Professional services are provided only pursuant to a written agreement between Risk & Loss Consultants, LLC and the client. No reliance should be placed on website content without formal engagement.

3. Scope of Services

Descriptions of services on this website are provided for informational purposes only. Actual services, deliverables, scope, and fees are governed exclusively by written contracts or engagement letters executed between the Company and its clients.

4. Intellectual Property

All content on this website, including but not limited to:

  • Text

  • Graphics

  • Logos

  • Service descriptions

  • Reports or downloadable materials is the property of Risk & Loss Consultants, LLC and is protected by applicable intellectual property laws.

You may not:

  • Reproduce

  • Distribute

  • Modify

  • Republish

  • Use for commercial purposes without prior written consent.

5. Confidentiality

Submission of information through the website does not automatically create a confidential or professional relationship. Confidentiality obligations apply only when governed by a signed agreement between the Company and the client.

6. Limitation of Liability

To the fullest extent permitted by law, Risk & Loss Consultants, LLC shall not be liable for:

  • Any direct or indirect damages

  • Business interruption

  • Loss of data

  • Loss of profits

  • Reliance on website content

  • Use of this website is at your own risk.

7. Third-Party Links

Our website may contain links to third-party websites. We do not control and are not responsible for:

  • Content

  • Security

  • Privacy practices

  • Accuracy of any external websites.

8. Accuracy of Information

We strive to ensure that website information is accurate and current. However, we make no warranties or guarantees regarding:

  • Completeness

  • Accuracy

  • Timeliness

  • Suitability for specific purposes

  • Content may be updated without notice.

9. Indemnification

You agree to indemnify and hold harmless Risk & Loss Consultants, LLC from any claims, liabilities, damages, or expenses arising from your use of this website or violation of these Terms.

10. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida, United States, without regard to conflict of law principles. Any disputes arising from use of this website shall be resolved in the appropriate courts located in Florida.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Updated versions will be posted on this page with a revised effective date. Continued use of the website after updates constitutes acceptance of the revised Terms.

12. Contact Information

For questions regarding these Terms and Conditions, please contact:

Risk & Loss Consultants, LLC

PO Box 972299 Miami, FL 33197
risk.loss.consultants@gmail.com