Terms of Use

Effective as of November 17, 2025

Welcome to the website operated by Compass Risk Advisors, LLC (“Compass Risk Advisors,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of this website and any related online portals or applications we operate (collectively, the “Site”).

By accessing or using the Site, you acknowledge and agree to be bound by these Terms. If you do not agree, please discontinue use of the Site.

By accessing this Site, you agree to comply with these Terms and all applicable laws and regulations. You represent that you are at least 18 years of age, or are accessing the Site under the supervision of a parent or legal guardian.

Compass Risk Advisors may revise or update these Terms at any time. Your continued use of the Site indicates acceptance of any changes. Updates will be reflected in the “Effective Date.”

The information provided on this Site is for general informational purposes only.
Nothing on this Site:

• constitutes professional, legal, or insurance advice,
• forms a binding quote or offer of insurance, or
• guarantees the availability of coverage, premium rates, or approvals.

Insurance coverage is subject to underwriting, carrier approval, and policy terms and conditions.
Please contact a licensed Compass Risk Advisors representative for specific guidance.

You agree not to:

• use the Site for any unlawful or prohibited purpose;
• submit inaccurate, misleading, or fraudulent information;
• attempt to access restricted features without authorization;
• interfere with Site security, performance, or functionality;
• use automated tools (robots, scrapers, etc.) without express written consent.

Compass Risk Advisors reserves the right to suspend or terminate access to any user who violates these Terms.

All content on the Site—including text, logos, graphics, icons, images, downloads, software, design elements, and layout—is the property of Compass Risk Advisors or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, modify, distribute, transmit, republish, display, or sell any content without prior written permission.

If you submit information, documents, forms, or messages through the Site, you grant Compass Risk Advisors a non-exclusive right to use that information for business purposes such as quoting, servicing, underwriting, marketing, and support.

You represent that any information you submit:

• is accurate and complete,
• does not infringe on any third-party rights, and
• is legally permissible to share.

The Site may contain links to third-party websites, tools, or resources. These are provided solely for convenience. Compass Risk Advisors is not responsible for:

• the content, accuracy, or availability of third-party websites,
• their privacy or data practices, or
• any transactions or interactions you have with them.

You access third-party sites at your own risk.

The Site and all related content are provided “as is” and “as available” without warranties of any kind, express or implied.

Compass Risk Advisors does not warrant that:

• the Site will be uninterrupted, secure, or error-free,
• the information on the Site is accurate, complete, or current, or
• any defects will be corrected.

To the fullest extent permitted by law, we disclaim any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

To the fullest extent permitted by law, Compass Risk Advisors, its officers, employees, agents, and affiliates are not liable for any:

• direct, indirect, incidental, consequential, special, exemplary, or punitive damages,
• loss of data, revenue, or profits,
• business interruption, or
• damages resulting from your access to or use of (or inability to use) the Site.

Your sole remedy for dissatisfaction with the Site is to stop using it.

You agree to indemnify, defend, and hold harmless Compass Risk Advisors, its representatives, employees, agents, and partners from any claims, liabilities, damages, losses, or expenses (including reasonable attorney’s fees) arising out of or related to:

• your use or misuse of the Site,
• your violation of these Terms, or
• your infringement of any rights of another person or entity.

Your use of the Site is also governed by the Compass Risk Advisors Privacy Policy, which is incorporated into these Terms by reference.

While we use reasonable safeguards to protect information, no website or online system is completely secure. You acknowledge that you use the Site at your own risk and that we cannot guarantee absolute protection from unauthorized access or cyber incidents.

These Terms are governed by and interpreted in accordance with the laws of the State of Florida, without regard to conflict-of-law principles.

Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Florida.

Compass Risk Advisors may modify, suspend, or terminate access to the Site at any time, without notice, for any reason, including violation of these Terms.

Upon termination, all provisions of these Terms that by their nature should survive (e.g., intellectual property, disclaimer, indemnification, limitation of liability) will remain in force.

If you have questions regarding these Terms, please contact:

Email: support@compassriskadvisors.com
Mail:
Compass Risk Advisors, LLC
Attn: Legal/Compliance Department
2834 Eagle Run Cir E

Clearwater, FL 33760