Last Updated: September 8, 2026

1. Information We Collect

Nuvica Risk Solutions ("Nuvica," "we," "our," or "us") may collect information that you voluntarily provide when you visit our website, contact us, request information, or communicate with us.

This may include:

• Name and contact information
• Email address
• Telephone number
• Company or organization name
• Job title or professional role
• Information included in inquiries or communications
• Other information you choose to provide

We may also automatically collect certain technical information when you use our website, including IP address, browser type, device type, operating system, pages visited, referring website, and website usage information.

2. Information Related to Insurance or Medical Matters

Nuvica provides underwriting, insurance medicine, life settlement underwriting, claims advisory, and related professional services.

Our website is primarily intended for business-to-business communications and is not designed to collect detailed medical records or sensitive personal information through general website contact forms.

Please do not submit medical records, health information, insurance policy documents, or other sensitive personal information through a general website contact form unless we specifically request that information through an appropriate and secure process.

Where information relating to an individual is required in connection with a professional engagement, Nuvica may process that information in accordance with applicable law, contractual requirements, and the instructions of the relevant client or organization.

3. How We Use Information

We may use information we collect to:

• Respond to inquiries and requests
• Communicate with prospective and existing clients
• Provide information about our services
• Evaluate and respond to business opportunities
• Provide underwriting, insurance medicine, consulting, and related services
• Improve our website, content, tools, and user experience
• Maintain website security and prevent misuse
• Analyze website usage and performance
• Comply with legal, regulatory, contractual, and professional obligations
• Establish, exercise, or defend legal rights where necessary

We will use personal information only for purposes that are reasonably related to the purposes for which it was collected or as otherwise permitted or required by applicable law.

4. Cookies and Similar Technologies

Our website may use cookies and similar technologies to support website functionality, improve performance, understand how visitors use the website, and maintain security.

Cookies may be placed by Nuvica or by third-party service providers that support website functionality, analytics, security, forms, or other services.

You can generally control cookies through your browser settings. Disabling certain cookies may affect the functionality of some parts of the website.

5. Analytics and Website Services

We may use third-party technologies and service providers to help operate, secure, analyze, and improve our website.

These providers may process technical or usage information on our behalf. Where applicable, their processing of information may be governed by their own privacy policies and contractual obligations.

6. How We Share Information

We do not sell your personal information.

We may disclose information when reasonably necessary to:

• Service providers that assist with website hosting, technology, communications, analytics, security, or other business functions
• Professional advisers, including legal, accounting, or consulting professionals
• Clients or organizations where disclosure is necessary to provide an agreed professional service and is authorized or otherwise permitted
• Government authorities, regulators, courts, or law enforcement where required or permitted by law
• Protect our rights, property, security, or the safety of others
• Support a business transaction such as a merger, acquisition, restructuring, or sale of assets

Third-party service providers may process information in jurisdictions outside the country in which you are located.

7. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide services, maintain appropriate business and professional records, resolve disputes, enforce agreements, and comply with legal, regulatory, accounting, or other applicable obligations.

Retention periods may vary depending on the nature of the information and the purpose for which it was collected.

8. Data Security

We take reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, disclosure, alteration, loss, or misuse.

However, no website, electronic transmission, or storage system can be guaranteed to be completely secure. You should avoid sending confidential or sensitive information through ordinary email or unsecured website forms unless specifically instructed to do so.

9. International Transfers

Nuvica operates and works with organizations in multiple jurisdictions. As a result, personal information may be processed or stored in a country other than the country in which it was originally collected.

Where required by applicable law, we take appropriate measures for the transfer and protection of personal information across jurisdictions.

10. Your Privacy Rights

Depending on your location and applicable privacy law, you may have rights regarding your personal information, which may include the right to:

• Request access to personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of information, subject to applicable legal or contractual requirements
• Request information about how your personal information is used or disclosed
• Withdraw consent where processing is based on consent, subject to applicable limitations
• Object to or restrict certain processing activities
• Make a privacy complaint to us or to the applicable privacy regulator

The availability of these rights depends on applicable law and the circumstances of the processing.

To exercise a privacy right or ask a question about our privacy practices, please contact us using the information provided below.

11. Third-Party Websites

Our website may contain links to third-party websites, services, or resources.

We are not responsible for the privacy practices, content, security, or policies of third-party websites. We encourage you to review the privacy policies of any third-party website you visit.

12. Children's Privacy

Our website and services are intended for businesses and professional users and are not directed toward children.

We do not knowingly collect personal information from children through our website.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or privacy practices.

When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.