Terms of Service

By using this website, you agree to the following terms and conditions. Please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically visit this page to review the most recent terms and conditions.

As used herein, the term “ARA” means Adaptive Risk Advisors, LLC, “we”, “us” or “our.”

If you purchase insurance products or services from ARA the terms and conditions specified in your policy or agreement with ARA will apply.

Restrictions on Use
This website is owned and maintained by ARA. It contains proprietary software, graphics,
text, images, and other material (collectively “Content”) that is protected by copyright and
other laws. You may copy and use the Content for your own use, (e.g., post a link to or
otherwise call attention to our content) and you may share the Content (e.g., press
releases) with persons whom you believe may be interested in reading it, provided in each
instance you do not remove any copyright and other proprietary notices contained on the
Content. Except as otherwise provided herein, you may not distribute, modify, transmit,
reuse, repost, link or use the Content for public or commercial purposes without ARA’s
written permission. All trademarks, service marks, trade names, logos, icons, and domain
names located on this website are the property of ARA or others. Your use of the
trademarks, service marks, trade names, logos, icons, and domain names displayed on
this website is strictly prohibited.

Links to Other Websites
ARA’s website contains links to websites belonging to third parties. These websites are
not controlled or maintained by ARA and may contain separate terms and conditions of
use and privacy policies. ARA is not responsible for the content of those websites.

Disclaimer
The Content on this website is not intended to provide complete descriptions of all terms,
exclusions and conditions applicable to every insurance product or service offered by
ARA, but is provided ‘as is’ and for general informational purposes. The information on
this website is not an offer to sell insurance. Insurance coverage cannot be bound or
changed via submission of any online form/application, e-mail, voice mail, or facsimile.
No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes
into effect until confirmed directly with a licensed agent. Note, any proposal of insurance
we may present to you will be based upon the values developed and exposures to loss
disclosed to us as provided by you using the online form/application and/or in
communications with us. All coverages are subject to the terms, conditions, and
exclusions of the actual policy issued. Not all policies or coverages are available in every
state. We will only use the information submitted to us for insurance quoting purposes
and not to distribute to other parties.
If you choose to access this website you do so on your own initiative and are responsible
for compliance with any local, state and federal laws. The information contained on this
website is not an offer to sell or a solicitation to buy any insurance product or service. No
insurance product or service is offered or will be sold in any jurisdiction in which such
offer or solicitation, purchase or sale would be unlawful under the insurance or other laws
of such jurisdiction.
ARA makes no representations or warranties that the Content is suitable for your needs,
is complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes.
ARA does not warrant that the website will operate error free or is free from viruses,
worms, Trojan horses or other destructive or harmful code. ARA also assumes no
responsibility, and shall not be liable for, any damages to your computer equipment or
other property as a result of your access to, use of, or browsing in the website or your
downloading of Content from this website or arising in connection with any failure of
performance, error, omission, interruption, defect, computer virus, delay in operation or
transmission, or line or system failure.

ARA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE OR NON-INFRINGEMENT.

Limitation of Liability
To the maximum extent provided by law ARA shall not be liable to you for damages of
any kind whatsoever including, but not limited to, direct, indirect, consequential, special,
incidental, including without limitation, lost profits or damages resulting from lost data or
business interruption, or punitive damages of any kind whatsoever that may result from
your use of or inability to use this website or the Content or services provided on this
website or the products or services received from this website.

Governing Law
Use of this site shall be governed by, and these Terms of Service shall be construed in
accordance with the laws of the State of North Carolina.

Internet Privacy Policy
Please review Adaptive Risk Advisors, LLC’s Privacy Policy which explains what
information we may collect from website users when you visit our website and how we
may use your information.

Questions
For questions concerning these Terms of Service, please contact Adaptive Risk Advisors,
LLC at Post Office Box 37309, Raleigh, North Carolina 27627 or by calling 984.212.8000.