Last Updated: September 8, 2026

1. Acceptance of Terms

By accessing or using the Nuvica Risk Solutions website ("Website"), you agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use the Website.

2. About Nuvica Risk Solutions

Nuvica Risk Solutions provides specialist underwriting, insurance medicine, life settlement underwriting, claims advisory, and related professional services to insurers, life settlement organizations, and other professional clients.

The information provided on this Website is intended for general informational purposes and does not constitute professional, medical, legal, financial, insurance, or underwriting advice.

3. Use of the Website

You may use this Website for lawful purposes and in accordance with these Terms of Use.

You agree not to:

• Use the Website for any unlawful or unauthorized purpose
• Attempt to gain unauthorized access to the Website or its systems
• Interfere with or disrupt the operation or security of the Website
• Introduce malicious software, code, or other harmful material
• Copy, reproduce, modify, distribute, or exploit Website content without permission
• Use automated systems to access or collect Website content in a manner that could damage or interfere with the Website

4. Website Content

We make reasonable efforts to ensure that information on the Website is accurate and current. However, we do not guarantee that all information is complete, accurate, reliable, or up to date.

We may change, update, remove, or discontinue Website content or functionality at any time without notice.

5. No Professional Advice

Content available on this Website is provided for general informational purposes only. It should not be relied upon as a substitute for professional advice or services.

Nuvica does not provide medical, legal, financial, insurance, or underwriting advice through general Website content. Professional services are provided only pursuant to an appropriate client engagement or agreement.

6. No Client Relationship

Accessing the Website, submitting an inquiry, sending an email, or communicating with Nuvica through the Website does not by itself create a client, professional, advisory, fiduciary, or contractual relationship between you and Nuvica.

A professional relationship is established only through an appropriate agreement or engagement accepted by Nuvica.

7. Intellectual Property

Unless otherwise stated, all content on the Website, including text, graphics, logos, images, designs, documents, and other materials, is owned by or licensed to Nuvica Risk Solutions and is protected by applicable intellectual property laws.

You may view and use Website content for your personal or internal business purposes. You may not reproduce, republish, distribute, modify, or commercially exploit Website content without prior written permission from Nuvica.

8. Third-Party Links

The Website may contain links to third-party websites, services, or resources.

These links are provided for convenience only. Nuvica does not control and is not responsible for the content, availability, security, or practices of third-party websites.

Your use of third-party websites is subject to their applicable terms and policies.

9. Website Availability

We aim to keep the Website available and functioning properly, but we do not guarantee that the Website will always be available, uninterrupted, secure, or free from errors.

We may suspend, restrict, modify, or discontinue access to the Website or any portion of it at any time without notice.

10. Disclaimer of Warranties

To the extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis.

Nuvica makes no warranties, express or implied, regarding the Website, its content, availability, accuracy, completeness, reliability, or suitability for any particular purpose.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Nuvica Risk Solutions and its directors, officers, employees, contractors, and service providers will not be liable for any direct, indirect, incidental, consequential, special, or other damages arising from or relating to your use of, or inability to use, the Website or its content.

12. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Nuvica Risk Solutions and its directors, officers, employees, contractors, and service providers from claims, liabilities, damages, losses, and expenses arising from your misuse of the Website, violation of these Terms of Use, or violation of applicable law or the rights of another person.

13. Privacy

Your use of the Website may involve the collection and processing of personal information. Our practices regarding personal information are described in our Privacy Policy.

14. Changes to These Terms

Nuvica may update or modify these Terms of Use from time to time. Any changes will become effective when posted on the Website, unless otherwise stated.

We encourage you to review these Terms of Use periodically. Your continued use of the Website after changes are posted constitutes your acceptance of the updated terms.

15. Governing Law

These Terms of Use shall be governed by and interpreted in accordance with the applicable laws and regulations of the jurisdiction in which Nuvica Risk Solutions operates, without regard to conflict-of-law principles.

Where applicable, disputes will be subject to the jurisdiction of the appropriate courts in accordance with applicable law.