Disclosures and Important Notices

Last Updated: September 1, 2026

This page provides important disclosures and notices regarding RiskOne Group, the content of this website, and the general nature of the services described.

These disclosures supplement the RiskOne Group Terms of Use and Privacy and Cookie Policy. They do not replace contracts, proposals, policies, applications, certificates, professional agreements, or other official documents.

1. Information About RiskOne Group

This website is operated by:

Legal Entity Name: RiskOne Group

Business Name: RiskOne Group

Address: 601 Ave. Fernandez Juncos, San Juan, PR 00907

Telephone: (787) 200-2790

Email: info@riskonegroup.com

RiskOne Group is a Puerto Rico-based boutique firm providing insurance brokerage and strategic advisory services to companies, organizations, employers, and employer groups.

RiskOne Group operates through distinct service areas:

Health & Benefits
Insurance, Security and Risk Management
Human Resources
Financial Consulting

The availability and scope of each service will depend on the organization’s needs, applicable licenses, the contracting entity, the professionals involved, and the terms of the applicable agreement.

Not every client receives every service, and not every service area participates in each relationship.

2. Licenses and Authorizations

Insurance-related services are provided through entities and individuals holding the applicable licenses or authorizations.

Before this section is published, RiskOne Group must confirm:

The legal name of each licensed entity
Registered business names
License type
License number
National Producer Number, if applicable
Licensed professionals who must be identified
Authorized lines of authority
Applicable regulatory authority
Current license status

Licensed Entity:

License Type:

License Number:

National Producer Number:

Regulatory Authority: Office of the Commissioner of Insurance of Puerto Rico, when applicable

Including license information on this website does not expand the scope of a license or authorize services outside the applicable lines, entities, or jurisdictions.

3. Geographic Scope

The website is primarily directed to companies, organizations, employers, and employer groups with needs related to Puerto Rico.

Service availability outside Puerto Rico will depend on:

Applicable licenses
The nature of the service
The jurisdiction involved
The participation of other authorized professionals or entities
The agreed scope of service

Website content should not be interpreted as a representation that RiskOne Group is authorized to provide every service in every jurisdiction.

4. General Purpose of the Content

Website content is provided solely for general, educational, and informational purposes.

It is intended to explain:

Who RiskOne Group is
Its general service areas
The types of products, programs, coverage, or processes that may be considered
How to begin a conversation with the appropriate team

The content does not necessarily consider the specific facts, documents, risks, contracts, coverage, obligations, or circumstances of a particular organization.

It should not be used as a substitute for a professional evaluation based on the specific needs and circumstances of a company, organization, employer, or employer group.

5. No Professional Relationship Is Automatically Created

Visiting the website, completing a form, calling, or sending an email does not automatically create:

A contractual relationship
A brokerage relationship
A client relationship
A fiduciary relationship
A representative relationship
An obligation to provide services
An obligation to accept a request
An obligation to place or renew coverage

Any professional relationship will be subject to evaluation, acceptance, and completion of the appropriate documents.

6. Insurance Information

Descriptions of insurance, coverage, benefits, and programs are general.

They do not constitute:

A quote
A binding offer
A formal application
A policy
A binder
A certificate of coverage
Confirmation of eligibility
A promise of issuance
A representation that coverage is available to every organization

The availability, cost, and terms of an insurance product will depend on factors including:

Information supplied
The nature of the operation
Identified exposures
Relevant history
Underwriting criteria
Market conditions
Product availability
Insurer decisions
Jurisdiction
Final policy terms

Premiums, limits, deductibles, exclusions, conditions, endorsements, and other terms may vary.

Where website content conflicts with official documents, the policy, contract, certificate, accepted proposal, or other applicable official document will control.

7. Underwriting and Coverage Decisions

Underwriting, eligibility, pricing, issuance, renewal, and coverage decisions belong to the responsible insurers, administrators, or providers.

RiskOne Group may support the development, evaluation, comparison, implementation, or management of insurance programs within the agreed scope.

However, RiskOne Group does not guarantee:

That an insurer will accept an application
That a policy will be issued
That coverage will be renewed
That a premium will remain the same
That particular terms will be available
That an exclusion will be removed
That an organization will meet eligibility requirements
That an insurer will adopt a recommendation
That a specific result will be achieved

8. Claims

RiskOne Group may provide claims support according to the contracted service.

That support may include general guidance, communication, information gathering, follow-up, or discussion of matters related to the claims process.

RiskOne Group is not the entity that ultimately determines:

Whether a claim is covered
Whether a claim will be paid
The amount of payment
The final interpretation of a policy
The time required for a decision
Acceptance of documentation
Resolution of a dispute

Coverage and payment decisions belong to the responsible insurer, administrator, or other applicable entity.

Nothing on the website guarantees:

Claim approval
Claim payment
Full recovery
A particular amount
A decision within a specific period
Legal representation
A favorable outcome

General website forms should not be used to report urgent claims, losses, emergencies, or contractual deadlines.

9. Compensation and Insurer Relationships

RiskOne Group may receive compensation related to certain products or services, depending on the nature of the relationship and the applicable agreements.

Compensation may include, when applicable:

Commissions paid by insurers
Fees agreed upon with clients
Compensation for specific services
Other permitted forms of compensation

The form and amount of compensation may vary according to:

The product
The insurer
The type of service
The contracting entity
The applicable agreement
Legal or regulatory requirements

The existence of a relationship with an insurer does not guarantee that:

A product is available
An application will be approved
Coverage will be issued
A claim will be paid
An insurer will adopt a recommendation

Organizations may request additional information regarding compensation applicable to a specific relationship or transaction.

10. Health & Benefits

Health & Benefits content may include general information about:

Employee benefits programs
Group health plans
Supplemental coverage
Renewals
Claims
Pharmacy benefits
Employee support
Benefits education
Medical or utilization information at the program level

This content does not constitute:

Medical advice
Diagnosis
Treatment
A clinical recommendation
A determination of medical necessity
A promise of eligibility
A guarantee that a preauthorization will be approved
A guarantee of payment
A guarantee of health outcomes
A guarantee of cost reduction

Clinical decisions belong to properly licensed healthcare professionals.

Coverage, eligibility, benefit, preauthorization, and payment decisions belong to the responsible insurers, administrators, plans, or providers.

RiskOne Group should not receive medical information, diagnoses, policy numbers, claims documents, or protected information through general website forms.

11. Human Resources

Human Resources content may include general information about:

Human Resources structures and processes
Policies and procedures
Human Resources Outsourcing
Human Resources audits
Talent management
Recruitment
Training
Leadership development
Organizational and employer support

This content does not constitute:

Legal advice
Legal representation
A legal opinion
A compliance certification
A compliance guarantee
A definitive interpretation of labor laws
A promise of employment outcomes
A hiring or retention guarantee

Employment laws, regulations, and obligations may change. Their application depends on the facts and circumstances of each organization.

Companies and employers should consult properly licensed legal counsel when legal advice is needed.

RiskOne Group is not a labor law firm. Its Human Resources support may include preparing policies, documentation, internal investigations, and compliance processes, but it does not replace advice from properly licensed legal counsel.

RiskOne Group’s Human Resources support will be subject to the contracted scope and does not automatically replace the functions of attorneys, accountants, payroll providers, or other professionals.

12. Financial Consulting

Financial Consulting content describes only the general direction and services publicly confirmed by RiskOne Group.

Unless expressly stated in an applicable professional agreement, website content does not constitute:

Tax advice
Legal advice
An audit
An accounting opinion
Investment advice
A recommendation to buy or sell securities
A promise of financing
A valuation opinion
A guarantee of financial results
A guarantee of savings or returns

The exact scope of a Financial Consulting service will depend on:

The identified need
Applicable credentials and authorizations
The entity providing the service
The formal agreement
Available information
The limitations established for the engagement

13. No Guarantees

RiskOne Group helps organizations understand needs, evaluate alternatives, and make decisions with greater context within the agreed scope.

However, RiskOne Group does not guarantee:

Savings
Premium reductions
Cost reductions
Insurance approval
Claim payment
Renewal outcomes
Legal or regulatory compliance
Elimination of risk
Guaranteed risk reduction
Medical outcomes
Employment outcomes
Productivity
Employee retention
Financial results
Specific business outcomes

Results may depend on third-party decisions, market conditions, information supplied by the client, legal changes, insurers, providers, and other factors outside RiskOne Group’s control.

14. Product, Service, and Coverage Availability

Including a product, coverage type, process, or service on the website does not mean that it:

Is available to every organization
Is appropriate for every situation
Is automatically included in each engagement
Is offered by every entity associated with RiskOne Group
Will remain available under the same terms
Is available in every jurisdiction

Service descriptions may change as RiskOne Group modifies its offerings, processes, or publicly available information.

15. Client-Provided Information

The quality and accuracy of the work may depend on the organization providing complete, correct, and current information.

RiskOne Group may reasonably rely on information, documents, and statements supplied by:

The client
Its employees
Its representatives
Insurers
Administrators
Providers
Other professionals

RiskOne Group does not guarantee results where available information is incomplete, inaccurate, outdated, or provided late.

Organizations are responsible for reviewing documents, confirming information, and communicating material changes that may affect the service.

16. Third-Party Information

The website may include information, links, names, or references related to:

Insurers
Administrators
Providers
Technology platforms
Associations
Regulatory entities
Professional organizations
Other third parties

RiskOne Group does not control all information published by third parties and does not guarantee that it will remain complete, current, or available.

Mentioning an entity does not necessarily represent:

Sponsorship
Endorsement
Exclusivity
A formal association
A recommendation
A guarantee of availability

17. Third-Party Trademarks and Property

Names, logos, trademarks, products, and materials belonging to third parties remain the property of their respective owners.

Their appearance on the website, when applicable, is for informational, descriptive, or authorized purposes.

It should not be interpreted as a claim of ownership by RiskOne Group or as automatic evidence of sponsorship, affiliation, or endorsement.

18. Proprietary Tools, Models, and Materials

RiskOne Group may use proprietary or licensed methods, processes, models, documents, tools, or materials as part of its services.

Including a name or general description on the website does not grant the user:

A license
Reproduction rights
Access to the complete method
Modification rights
Distribution rights
Ownership
Permission to use trademarks or materials

Public descriptions of proprietary tools must be limited to information approved by RiskOne Group.

19. Communications and Forms

Website forms are intended for initial inquiries.

They should not be used to:

Submit medical information
Submit Social Security numbers
Submit confidential financial information
Submit employee personal data
Report urgent claims
Deliver policy documents
Cancel or modify coverage
Meet contractual deadlines
Report emergencies
Request medical attention

Submitting a form does not guarantee:

A response within a specific period
Acceptance as a client
Provision of a service
Product availability
Creation of a professional relationship

20. Privacy

The collection and use of information through the website are described in the RiskOne Group Privacy and Cookie Policy.

Users should review that policy before submitting information through website forms.

21. Terms of Use

Access to and use of this website are also subject to the RiskOne Group Terms of Use.

Where these disclosures conflict with a contract, policy, proposal, or formal agreement, the formal document will control the subject it governs.

23. Changes to These Disclosures

RiskOne Group may modify these disclosures to reflect:

Changes in its services
Changes in its entities or licenses
Regulatory changes
Changes to website tools
New practices
Improvements in clarity

The current version will display its latest update date.

24. Contact

For questions about these disclosures, contact:

RiskOne Group

601 Ave. Fernandez Juncos

San Juan, PR 00907