Terms and Conditions

Effective Date: December 26, 2025

This website is owned and operated by Total Risk Advisors, LLC. By accessing or using our services, you agree to these Terms and Conditions. We deserve the right to update or change these Terms and Conditions from time to time, in which case we will post the updates to this website. By continuing to use the site, you accept the Terms and Conditions, as modified. 

1. Use of Our Website

You agree to use our website only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the site.

2. Intellectual Property

All content including text, graphics, logos, images, videos, and software is owned by or licensed to us and protected by copyright and trademark laws. You may not copy, distribute, or modify our content without permission.

3. User Accounts (If Applicable)

You are responsible for:

Keeping your login information secure
All activity under your account

We may suspend or terminate accounts that violate these terms.

4. Purchases & Payments

If you purchase products or services:

All payments must be authorized and valid
Prices may change without notice
Refunds follow the refund policy posted on the website

We use third-party processors for secure payments.

5. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their content, privacy policies, or practices.

6. Disclaimers

Our website and services are provided “as is” and “as available.”

We do not guarantee:

Continuous or error-free operation
Accuracy or completeness of information

To the maximum extent permitted by law, we disclaim all warranties.

7. Limitation of Liability

To the fullest extent allowed by law, we are not liable for:

Loss of profits or revenue
Indirect, incidental, or consequential damages
Damages resulting from use or inability to use our site

8. Indemnification

You agree to indemnify and hold us harmless from any claims related to your misuse of the website or violation of these terms.

9. Governing Law

These Terms are governed by the laws of the State of Texas, United States, without regard to conflict-of-law principles. International users agree that disputes will be resolved under Texas law.

10. Termination

We may suspend or terminate your access at any time for violating these Terms.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the site means you accept the updated Terms.

12. Contact Us

If you have questions about these Terms, contact us at:
Total Risk Advisors, LLC