STATEMENT

HG Risk Solutions (“us”, “we”, or “our”) operates hgrisk.com (the “Site”).

Your access to and use of this Site is subject to these Terms and Conditions and all applicable laws. By accessing and browsing this Site, you accept, without limitation or qualification, these Terms and Conditions. We may revise these Terms and Conditions at any time, and you are bound by any such revisions. We encourage you to periodically review this page for updates.

The graphic images and text contained on the Site are our exclusive property and, except for personal use, may not be copied, distributed, or transmitted in any form or by any means without prior written permission. The content, arrangement, and layout of the Site, including trademarks, service marks, text, and other content, are proprietary and protected under applicable domestic and international laws.

We strive to ensure that the information contained on the Site is accurate and reliable. However, errors may occur. To the fullest extent permitted by law, we disclaim all warranties, express or implied, related to this Site. We are not responsible for damages or injuries resulting from your use of the Site, including viruses, omissions, or misstatements. We shall not be liable for any direct or indirect, special, incidental, or consequential damages arising from your use or inability to use the Site.

This Site may include contact or submission forms designed to collect user inquiries or information. By submitting any form on the Site, you consent to our collection and use of your information as outlined in our Privacy Policy.

GOVERNING LAW

These Terms and Conditions are governed by the laws of the State of Texas, without regard to conflict of law principles. Any legal action arising out of or related to your use of the Site must be filed in the state or federal courts located in Texas, and you consent to the jurisdiction of such courts.

QUESTIONS OR COMMENTS

If you have questions or concerns regarding these Terms and Conditions, please CONTACT US.

HG Risk Solutions (“us”, “we”, or “our”) operates hgrisk.com (the “Site”).

The information provided on this website is for general informational purposes only and does not constitute legal, financial, insurance, or risk management advice. Nothing on this Site should be construed as creating an advisory, client, broker, fiduciary, or professional relationship.

Use of this Site or submission of information through contact forms does not establish a formal business relationship. Any reliance on information contained on this Site is at your own risk. Users should consult qualified professionals regarding their specific circumstances before making any decisions.

HG Risk Solutions (“us”, “we”, or “our”) operates hgrisk.com (the “Site”).

We are committed to ensuring digital accessibility for individuals with disabilities and strive to provide an inclusive user experience for all visitors.

We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA developed by the World Wide Web Consortium (W3C). Our website is evaluated using a combination of automated tools, manual testing, and assistive technologies such as screen readers and magnification software.

Accessibility is an ongoing effort, and we are committed to continuous improvement.

Accessibility Assistance

If you need assistance accessing any part of this website or would like to report an accessibility barrier, please CONTACT US. Please include the page URL and a description of the issue so we can respond appropriately.

PERSONAL INFORMATION

HG Risk Solutions (“us”, “we”, or “our”) operates hgrisk.com (the “Site”).

This Privacy Policy explains how we collect, use, and protect personal information obtained through your use of the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.

INFORMATION COLLECTION AND USE

We may collect personally identifiable information such as your name, company name, email address, phone number, or other information you voluntarily provide. We do not sell, trade, or rent your personal information. Information may be shared with trusted third parties who assist in operating our website, provided they maintain confidentiality.

We may disclose personal information if required by law or in response to valid legal requests.

LOG DATA

We automatically collect information your browser sends when you visit our Site, including IP address, browser type, pages visited, date and time of visits, and time spent on pages.

We use third-party analytics tools such as Google Analytics and Microsoft Clarity to understand website usage and improve performance. These tools may collect anonymized interaction data, including clicks, scrolling activity, and heatmaps. This information is used for aggregate reporting and site improvement and is not linked to personally identifiable information.

LINKS TO OTHER SITES

Our Site may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites. We encourage you to review the privacy policies of any third-party websites you visit.

COOKIES

We use cookies to collect information and enhance site functionality. You may configure your browser to refuse cookies or notify you when cookies are used. Disabling cookies may limit certain features of the Site.

SECURITY

We take reasonable measures to protect your personal information, but no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security.

CHANGES TO THIS PRIVACY POLICY

This Privacy Policy is effective as of 1/27/2026 and may be updated at any time. Changes take effect immediately upon posting. Continued use of the Site constitutes acceptance of the updated policy. If material changes occur, we may notify users through the Site or via email.

QUESTIONS OR COMMENTS

If you have questions or concerns regarding this Privacy Policy, please CONTACT US.