Terms of Use

By accessing, using or visiting the website (the “Website”) of Sapphire Risk Management LLC and/or Sapphire Strategy Group LLC (collectively, “Sapphire”), you hereby accept and agree to comply with these Terms of Use, which constitute a legal agreement between you and Sapphire. Sapphire may change, suspend, or discontinue the Website at any time and may modify these Terms of Use at any time without notice. If you do not accept these Terms of Use, do not use the Website. If you do not agree to these Terms of Use, you agree that your sole and exclusive remedy is to discontinue using the Website. Your continued use of the Website following any changes to the Terms of Use constitutes acceptance of such changes.

1. Website Content. Sapphire reserves the right to change, modify, add or delete portions of the Terms of Use at any time, without prior notice. Please re-review the Terms of Use periodically for changes. Your continued use of the Site will mean that you accept such changes or deletions.

2. No Offers and No Advice. The information, tools, and material presented in the Website are provided to you for informational purposes only and are not intended to be, and should not be, used or considered as an offer, recommendation or a solicitation to sell, or an offer, recommendation or solicitation to buy or subscribe to any insurance, securities, financial instruments, investment management services, or advisory services. The Website does not intend to provide investment, tax, insurance, or legal advice. Sapphire does not represent that the securities, financial instruments, insurance, products, or services presented in the Website are suitable or appropriate for all investors. Decisions based on information contained in the Website are your sole responsibility. Prior to the execution of any transaction involving information provided by the Website, you should consult a business advisor, attorney, and/or tax and accounting advisors, as applicable. Depending on your specific investment objectives and financial position, the investments discussed in the Website may or may not be suitable for you. It is your responsibility to weigh any decision carefully.The legal information, including these Terms of Use, provided on the Website is for informational purposes only and does not constitute legal advice or an attorney-client relationship. The Website's content may not apply to all jurisdictions and does not provide financial, tax, legal, investment, or accounting advice. Only a licensed professional with knowledge of the individual's specific circumstances can provide such advice.

3. Links to Third-Party Websites. The Website may contain links to sites owned and operated by other parties that are not affiliated with Sapphire (“Third-Party Websites”). Links to Third-Party Websites are provided solely as a convenience to you. Sapphire does not control, and is not responsible for, any Third-Party Websites or their content. If you decide to access any of Third-Party Websites linked to the Website, you do so entirely at your own risk.

4. Ownership of Content. The materials on the Website are confidential and constitute valuable intellectual property and trade secret rights of Sapphire (unless otherwise indicated) and shall not be used except as expressly permitted by Sapphire. All text, images, graphics, sounds, and software code (“Content”) on the Website now or in the future are the property of Sapphire or its affiliates. Content may only be used for the personal education of visitors to the Website and it may not be placed in the public domain. You may not reproduce, redistribute, publish, or otherwise use by electronic or any other means any of the Content without the prior written consent of Sapphire.

5. Disclaimer of Warranties. Information on the Website reflect a judgment at the original date of publication by Sapphire and are subject to change without notice. the Website is subject to periodic update and revision. Sapphire reserves the right, in its sole discretion, without any obligation and without any notice, to change, modify, or delete the information, materials, and descriptions on the Website and to suspend or deny access to it. Sapphire may discontinue or change any product or services described on the Website at any time. Materials should only be considered current as of the date of initial publication, without regard to the date on which you may access the information.You expressly acknowledge and agree that:Your use of the Website is at your sole risk. The Website is provided on an “as is” and “as available” basis. To the fullest extent permissible pursuant to applicable law, Sapphire expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement of third party intellectual property rights.Sapphire does not warrant or represent that: (i) the Website will meet your requirements, (ii) use of the Website will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Website will be accurate or reliable, (iv) the quality of any information, services, or other material obtained by you through the Website will meet your expectations, (v) the servers that make the Website available are free of viruses or other harmful components; or (vi) any errors in the site will be corrected.Any material downloaded or otherwise obtained through the use of the Website is downloaded or obtained at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the downloading or obtaining of any such material. You (and not Sapphire or any of its affiliated companies or any of our or their respective licensors or suppliers) assume the entire cost of all necessary servicing, repair or correction.No advice or information, whether oral or written, obtained by you from us or through or from the Website or any of the services available on the Website shall create any warranty, express or implied.

6. Restrictions on Use. The Website may not be used for any unlawful purpose. The Website may not be used in any manner that could compete with the business of Sapphire. You agree not to violate, or attempt to violate, the security of this site, including by transmitting any material that contains viruses, Trojan horses, worms, or other computer programming routines or engines with the intent or effect of damaging, destroying, disrupting, or otherwise impairing a computer’s functionality or the operation of the Website.

7. Indemnification. You hereby agree to indemnify, defend and hold Sapphire, and all of its predecessors, successors, parents, subsidiaries, affiliates, and past and present officers, directors, shareholders, investors, employees, agents, information providers, attorneys, representatives, licensors, and information providers (collectively, the "Sapphire Representatives") harmless from and against any and all liability, losses, costs and expenses (including attorneys' fees) incurred by Sapphire or any Sapphire Representative in connection with any claim arising out of any use or alleged use by you of this site or arising out of or in relation to any breach by you of the Terms of Use, or the representations, warranties, and covenants you made by agreeing to these Terms of Use. Sapphire reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate reasonably with Sapphire's defense of such claim.

8. Choice of Law. The Terms of Use shall be construed in accordance with the laws of the State of Delaware , without regard to conflict of laws principles.

9. Entire Agreement. The Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter.

10. Linking to the Website. You may provide links to this website provided you do so in a fair and legal way and provided you have received express prior written permission from Sapphire. You may not remove or obscure, by framing, mirroring or otherwise, any portion of the Website. You will discontinue providing links to the Website if requested by Sapphire. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our homepage in any website that is not owned by you. We reserve the right to withdraw linking permission without notice.

11. Registration. Certain sections of the Website require you to register (for example, the Client Portal). If registration is requested, you agree to provide Sapphire with accurate, complete registration information. It is your responsibility to inform Sapphire of any changes to that information. Each registration is for a single person only, unless specifically designated otherwise on the registration page. Sapphire does not permit any other person using the sections under your name or access through a single name being made available to multiple users on a network. You are responsible for preventing such unauthorized use and for protecting the security of your username and password. We have the right to disable any username or password at any time if in our reasonable opinion you have failed to comply with any of the provisions of the Terms of Use. If you know or suspect that anyone other than you knows your username or password, you must promptly notify us.

12. No Amendment or Waiver. The Terms of Use may not be amended except in writing signed by both parties and no waiver by either party shall be deemed a waiver of any preceding or subsequent breach or default, unless such a waiver is in writing and signed by an authorized representative of Sapphire.

13. Limitation of Liability. SAPPHIRE SHALL NOT BE LIABLE FOR ANY INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM YOUR USE OF THE WEBSITE. SAPPHIRE SHALL NOT BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, INCLUDING ATTORNEY FEES, IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OR INABILITY TO USE THE WEBSITE OR THE CONTENT.

14. Remedies for Violations. Sapphire reserves the right to seek all remedies at law and in equity for violations of these Terms of Use, including but not limited to the right to block access from a particular Internet address to the Website and its features.

15. Severability of Provisions. These Terms of Use incorporate by reference any notices contained on the Website, including without limitation any Privacy Statement. The Terms of Use constitute the entire agreement with respect to access to and use of the Website. If any provision of these Terms of Use is unlawful, void or unenforceable then that provision shall be deemed severable from the remaining provisions and shall not affect the validity and enforceability of the remaining portion of these Terms of Use.