Terms of Use for Koru Risk Management, LLC

Welcome to the website of Koru Risk Management, LLC ("we", "us", or "our"). By accessing or using our website located at [website URL] (the "Site"), you agree to comply with and be bound by these Terms of Use ("Terms"). Please read these Terms carefully before using the Site.

1. Acceptance of Terms - By accessing and using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you are not authorized to use the Site.
2. Changes to Terms - We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Site after any changes to the Terms indicates your acceptance of the new Terms. It is your responsibility to review these Terms periodically for updates.
   
3. Use of the Site
   
   Permitted Use: You may use the Site for lawful purposes and in accordance with these Terms. You agree not to use the Site:
   
4. • In any way that violates any applicable federal, state, local, or international law or regulation.
   • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way.
     
   • To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
5. Prohibited Use: You are prohibited from violating or attempting to violate any security features of the Site, including, without limitation:
   
6. • Accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access.
   • Attempting to probe, scan, or test the vulnerability of the Site or any associated system or network, or to breach security or authentication measures without proper authorization.
     
   • Interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site, overloading, "flooding," "spamming," "mail bombing," or "crashing."

4. Intellectual Property - The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Koru Risk Management, LLC, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
5. Disclaimers - The information provided on the Site is for general informational purposes only. While we strive to keep the information accurate and up-to-date, we make no warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Site or the information, products, services, or related graphics contained on the Site for any purpose.
6. Limitation of Liability - Koru Risk Management, LLC and its service providers will not be responsible or liable for:
7. 1. Any damages to or viruses that may infect your computer equipment or other property as a result of your access to, use of, or browsing on this website or your downloading of any content.
   2. Any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental, or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability, or otherwise, that arises out of or is in any way connected with:
      
   3. • Any use of this website or the content found herein,
      • Any failure or delay (including without limitation the use of or inability to use any component of this website to submit applications for insurance products or services), or
        
      • The performance or non-performance by us or any service provider, even if we or the provider have been advised of the possibility of such damages.
8. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction, or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.

7. Indemnification - You agree to indemnify, defend, and hold harmless Koru Risk Management, LLC and its affiliates and their respective members, shareholders, officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site, any submissions made by you, your violation of any portion of the Terms, your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. Koru Risk Management, LLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Koru Risk Management, LLC in asserting any available defenses.
   
   Entire Agreement
   These Terms and our Privacy Policy constitute the sole and entire agreement between you and Koru regarding the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.
   
   Waiver and Severability
   No waiver by Koru of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Koru to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
   
   If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.
8. Contact Us
   If you have any questions or concerns about this Privacy Policy, please contact us at:
   ‍
   Koru Risk Management, LLC
   202 Newport Center Drive
   Newport Beach, CA 92660
   ‍Info@korurm.com