Novaris Risk Solutions Terms of Use
Last Updated: December 3, 2025
1. Introduction
Novaris Risk Solutions (“Novaris,” “we,” “us,” or “our”) provides insurance and risk management services. By using this website, novarisrisksolutions.com (the “Website”), you agree to these Terms of Use (“Terms”) and our Privacy Notice. If you do not agree, please discontinue use of the Website. Novaris may update the Website or these Terms at any time without notice.
2. Use of the Website
By using the Website, you accept responsibility for your activities, including your conduct on the Website. You agree not to:
- Access or use the Website unlawfully or without authorization
- Transmit harmful code or use automated tools to access or copy content without permission
- Interfere with others’ use of the Website or its systems
You are responsible for any account information you provide and must notify us of unauthorized access. While Novaris is not liable for losses from unauthorized use, you may be liable for losses caused to us or others.
3. Insurance and Service Disclaimers
Information on the Website is provided for general informational purposes and is not a policy, legal advice, or guarantee of coverage. Quotes, coverage estimates, or policy information provided through the Website are not binding until confirmed by Novaris through official policy documents. Approval of coverage or issuance of policies is subject to underwriting, eligibility, carrier approval, and applicable law. Rates, terms, and coverage availability may vary.
4. Intellectual Property
The Website and its content are protected by intellectual property laws. You may view or print content only for personal or business purposes and must not alter, copy, distribute, or exploit content without permission.
5. Limitation of Liability
Your use of the Website is at your own risk. The Website is provided “as is,” and Novaris disclaims all warranties to the fullest extent permitted by law. Novaris is not liable for any damages, including those arising from unauthorized access, viruses, errors, omissions, service interruptions, or reliance on content.
6. Indemnification
You agree to indemnify and hold harmless Novaris, its affiliates, and service providers from claims, losses, damages, or costs arising from your use of the Website or violation of these Terms.
7. Events Beyond Our Control
Novaris is not responsible for delays or failures caused by events beyond our reasonable control, including technical issues, natural disasters, or actions of third parties.
8. Personal Data
By using the Website, you consent to Novaris collecting, using, and sharing Personal Data as described in our Privacy Notice.
9. Arbitration and Dispute Resolution
Any dispute, claim, or controversy arising out of or related to these Terms, the Website, or services provided by Novaris shall first be addressed informally by contacting us. If resolution cannot be reached, the dispute will be resolved by binding arbitration administered by the American Arbitration Association under its rules, in New Jersey. Arbitration replaces the right to sue in court or have a jury trial, except for matters that cannot be legally arbitrated. Judgment on any arbitration award may be entered in any court of competent jurisdiction.
10. Governing Law
These Terms are governed by the laws of New Jersey, without regard to conflict-of-law principles.