Terms of Use

1. Scope
This page outlines the terms and conditions (“Terms”) for using www.cariskpartners.com (the “Site”). By accessing the Site, you agree to these Terms. If you do not agree, do not use the Site. Carisk Partners may update the Terms at any time by posting revisions here, and your continued use of the Site indicates acceptance. The terms “you” and “user” refer to any individual or entity accessing the Site. You also represent that you are legally permitted to consent in your jurisdiction and are at least eighteen (18) years old.

2. THE SITE DOES NOT PROVIDE MEDICAL ADVICE.
The content on any Carisk Partners Site—including graphics, images, text and/or other materials—is provided summarily for general informational purposes only. No content or material is intended as a substitute for professional medical advice, diagnosis, or treatment. If seeking information or diagnosis regarding medical conditions, consult a licensed physician or other qualified health provider with any questions.

3. Use of Material
The content on this Site—including text, graphics, images, sounds, and other materials (“Material”)—is owned by Carisk Partners and its third‑party service providers and is protected by U.S. and international intellectual property laws. Any unauthorized use may violate these laws. You may view and download one copy of the Material for personal use
only and must keep all copyright and proprietary notices intact. You may not sell, modify, reproduce, display, distribute, publicly perform, or otherwise use the Material for any commercial or public purpose, nor use it on any other website or networked system. You are also prohibited from copying or adapting any HTML or other code used to create the Site, as it is protected by Carisk Partners’ intellectual property rights.

4. Trademarks
The following are trademarks or service marks of Carisk Partners: • Carisk Partners • The Carisk Partners Logo (All Divisions) This list is not exhaustive, and the absence of any name or logo does not waive Carisk Partners’ intellectual property rights. All other products, services, and company names mentioned on the Site are the trademarks or service marks of their respective owners.

5. Site Use
General Use: You may not use the Site to transmit, distribute, store, or destroy material that (a) violates any law or regulation, (b) infringes the intellectual property or personal rights of others, or (c) is defamatory, obscene, threatening, abusive, hateful, or otherwise objectionable. Security Rules: You are prohibited from attempting to breach the security of the Site or any other website. This includes accessing unauthorized data or accounts; probing system vulnerabilities; interfering with service; sending unsolicited emails; or forging any Carisk Partners header. Specific Prohibited Uses include: • distributing solicitations or advertising; • soliciting users to join services; • deleting or altering others’ posts.

6. Linking to the Web Site
If you wish to link to the Site, you must follow these requirements: You may link only to the home page; may not frame or alter the Site; may not suggest endorsement; may not misrepresent your relationship; may not present false information; may not use trademarks without permission; may not link from offensive sites.

7. Links to Other Sites
The Site may include links to third‑party websites provided solely for your convenience. We do not endorse, control, or assume responsibility for third‑party content, and you access such sites at your own risk. Carisk Partners makes no assurances regarding products or services on linked sites and does not verify their accuracy, reliability, or security. You waive any claims arising from interactions with such sites and should investigate before transacting with third parties.

8. Information
Please see Carisk Partners’ Privacy Policy for details regarding our use of information collected from users on any Carisk Partners web pages, including online form submissions.

9. Submissions
By submitting content to the Website, you grant us a worldwide, irrevocable, non‑exclusive license to use, copy, modify, publish, translate, distribute, display, and create derivative works from it. You confirm you have the right to grant this license and permit other users to access and copy your content.

10. Carisk Partners’s Liability
The Material may contain inaccuracies. The Site and Material are provided “AS IS” without warranties of any kind. We disclaim all warranties, including merchantability, fitness for purpose, non‑infringement, uninterrupted service, defect correction, virus‑free operation, security adequacy, and accuracy. Some jurisdictions do not permit exclusions.

11. Limitation of Liability and Remedies
Carisk Partners’ total liability is limited to the greater of $1,000 or the amount you paid in the thirty days before the claim. We are not liable for indirect, incidental, consequential, or punitive damages, including lost profits, data loss, or business interruption. These limits also apply to goods, services, or information obtained through the Site. Some jurisdictions do not allow limitations.

12. Indemnity
You agree to indemnify and hold Carisk Partners harmless from any claims or demands, including legal and accounting fees, arising from your use of the Material or breach of the Terms, including infringement claims.

13. Termination
Carisk Partners may terminate your access to the Site or services at any time, with or without cause, including if you provide false information, interfere with others, or violate these Terms.

14. General
These Terms are governed by Florida law. Claims must be brought exclusively in Florida courts. No action may be filed more than eighteen months after it arises. If any provision is invalid, remaining provisions remain enforceable. No waiver is continuing. These Terms constitute the entire agreement. Changes must be posted by Carisk Partners. Waivers must be signed in writing.