Terms of Use

Last Updated: September 1, 2026

These Terms of Use govern access to and use of the official RiskOne Group website.

By accessing, browsing, or using this website, you accept these terms. If you do not agree with any provision, you should stop using the website.

These terms apply only to website use. They do not replace the terms of a proposal, service agreement, insurance policy, coverage document, or other formal relationship between RiskOne Group and its clients.

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.

The availability, nature, and scope of each service will depend on the organization’s needs, applicable licenses, the contracting entity, and the terms agreed upon with RiskOne Group.

2. Informational Purpose of the Website

The content of this website is provided solely for general, educational, and informational purposes.

It is intended to help visitors learn about:

• RiskOne Group
• Its service areas
• Its strategic advisory approach
• The general types of needs it may address
• The available ways to request information or a consultation

The content should not be interpreted as a specific recommendation for any company, organization, employer, employee, or individual.

Published information may not consider every fact, risk, document, contract, law, regulation, or circumstance related to a particular situation.

3. No Professional Relationship Is Automatically Created

Visiting the website, completing a form, sending an email, or initially communicating with RiskOne Group does not by itself create:

• A contractual relationship
• A client relationship
• A brokerage relationship
• A fiduciary relationship
• A representative relationship
• A professional advisory relationship
• An obligation to provide services
• An obligation to accept a request

Any professional relationship will be subject to the appropriate evaluation, acceptance by RiskOne Group, and completion of the necessary agreements.

You should not act or refrain from acting solely based on general information published on this website.

4. Not an Insurance Quote or Offer

Information published on this website does not constitute:

• An insurance quote
• An offer of insurance
• A formal application
• An insurance contract
• A policy
• A certificate of coverage
• A binder
• Confirmation of coverage
• A guarantee of eligibility
• A promise of issuance

Coverage, premiums, limits, deductibles, exclusions, conditions, and other terms depend on:

• Information supplied by the applicant
• Evaluation of exposures
• Official application forms
• Underwriting criteria
• Product availability
• Market conditions
• Insurer decisions
• Final policy terms

No website content modifies, expands, or replaces the terms of a policy, contract, certificate, proposal, or official document.

In the event of a discrepancy, the applicable official documents will control.

5. Insurer and Provider Decisions

Insurers, administrators, providers, and other applicable entities retain authority over the decisions within their respective responsibilities.

RiskOne Group does not guarantee through this website:

• Issuance of a policy
• Availability of coverage
• Approval of an application
• Renewal of coverage
• Acceptance of particular terms
• A specific premium
• Approval or payment of a claim
• The time required to process a claim
• Approval of a preauthorization
• Eligibility for a benefit
• A particular provider decision

Product and service availability may vary according to the entity, jurisdiction, insurer, provider, and circumstances of each organization.

6. Claims and Urgent Matters

The website and its general forms should not be used to:

• Formally report a claim
• Report an emergency
• Request medical attention
• Report an urgent loss
• Request an urgent preauthorization
• Submit confidential documents
• Cancel, renew, or modify coverage
• Communicate information where delay may affect contractual rights or deadlines

Sending a message through the website does not guarantee that the communication will be received, reviewed, or handled within a particular period.

For urgent matters, use the channels identified in the applicable official documents, contact the relevant insurer or provider directly, or reach RiskOne Group through an appropriate method.

7. Not Legal Advice

Content related to Human Resources, policies, procedures, claims, contracts, employer responsibilities, compliance, or other regulatory matters is provided only as general information.

It does not constitute:

• Legal advice
• A legal opinion
• Legal representation
• A compliance certification
• A compliance guarantee
• A definitive interpretation of laws or regulations

Laws and obligations may change, and their application will depend on the facts of each situation.

Organizations should consult properly licensed legal counsel when legal advice is needed.

8. Not Medical or Clinical Advice

Content related to health, benefits, medical plans, pharmacy, prevention, utilization, or well-being does not constitute:

• Medical advice
• A diagnosis
• Treatment
• A clinical recommendation
• A substitute for professional care
• A guarantee of health outcomes
• A determination of medical necessity

Medical decisions belong to properly licensed healthcare professionals.

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

9. Not Tax, Accounting, or Investment Advice

Unless expressly established through an applicable professional agreement, content related to Financial Consulting or business matters does not constitute:

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

The public and contractual scope of Financial Consulting services will depend on confirmed services and the applicable agreement.

10. No Guarantee of Results

RiskOne Group may help organizations develop, implement, evaluate, or strengthen programs, coverage, processes, and decisions within the agreed scope.

However, RiskOne Group does not guarantee through website content:

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

Results may depend on factors outside RiskOne Group’s control.

11. Accuracy and Updates

RiskOne Group seeks to present clear and correct information. However, it does not guarantee that all content will always be:

• Complete
• Current
• Free of errors
• Available
• Applicable to every situation
• Appropriate for a specific need

Services, people, products, coverage, tools, processes, and other information may change without notice.

RiskOne Group may correct, modify, add, or remove content when appropriate.

The publication or update date of a page does not guarantee that every subject described on that page was updated on the same date.

12. Permitted Website Use

You may use the website for lawful, informational purposes and to consider RiskOne Group services.

You may not use it to:

• Violate laws or regulations
• Impersonate another person or entity
• Submit false or misleading information
• Attempt to gain unauthorized access
• Interfere with website security or operation
• Introduce malware, viruses, or harmful code
• Extract content through mass or automated means without authorization
• Collect information about other users
• Send spam or unsolicited communications
• Commit fraud
• Copy content for unauthorized commercial purposes
• Falsely represent an affiliation with RiskOne Group
• Use trademarks, content, or images in a manner likely to cause confusion

RiskOne Group may restrict or block access where it reasonably suspects misuse.

13. Intellectual Property

Website content, including text, design, graphics, photographs, logos, business names, videos, documents, downloadable materials, and other elements, belongs to RiskOne Group or is used with permission.

The name RiskOne Group, its visual identity, and the slogan Protecting Your Business as One may not be used without written permission where such use could suggest affiliation, sponsorship, endorsement, or representation.

You may view and use website content for personal, informational, and internal business purposes related to considering RiskOne Group services.

Without prior authorization, you may not:

• Republish content
• Reproduce complete pages
• Sell or license materials
• Modify content to create derivative works
• Remove ownership notices
• Use content to compete with or misrepresent the services
• Frame the website within another website
• Use trademarks in advertising or domain names

Third-party trademarks belong to their respective owners.

14. Links to Third-Party Websites

The website may include links to pages operated by insurers, providers, technology platforms, professional organizations, or other third parties.



These links are provided for convenience or information.

RiskOne Group does not control and is not responsible for:

• Third-party content
• Website availability
• Terms of use
• Privacy policies
• Security practices
• Products or services
• Published statements
• Harm that may result from their use

Including a link does not necessarily represent an association, recommendation, endorsement, or sponsorship.

Users access external websites at their own discretion and subject to the applicable terms.

15. Third-Party Tools and Content

Some website functions may depend on services provided by third parties, including:

• Duda
• Google
• Meta
• Mapping tools
• Video platforms
• Analytics services
• Security services
• Other technical tools

These functions may be subject to additional terms and policies established by their providers.

RiskOne Group does not guarantee the continuous availability or operation of tools controlled by third parties.

16. Privacy and Cookies

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

When using the website, you should also review that policy to understand:

• What information may be collected
• How it may be used
• Which technologies may operate
• How to manage cookie preferences
• How to submit a privacy-related request

17. Electronic Communications

Internet communications may be subject to errors, delays, interception, technical problems, or security risks.

RiskOne Group cannot guarantee:

• The absolute confidentiality of ordinary email
• Immediate receipt of a form submission
• Error-free transmission
• Constant system availability
• That a message will not be filtered or delayed

Do not submit medical, financial, employee, policy, claims, or other sensitive information through general forms or channels that have not been designated for that purpose.

18. Website Availability and Security

RiskOne Group seeks to keep the website available and functional but does not guarantee continuous or uninterrupted access.

The website may be temporarily unavailable because of:

• Maintenance
• Updates
• Technical failures
• Provider problems
• Security events
• Internet interruptions
• Causes outside RiskOne Group’s control

RiskOne Group may modify, suspend, or discontinue features without notice.

19. Accessibility

RiskOne Group seeks to provide a digital experience that can be used by a variety of people and devices.

The website may incorporate practices such as:

• Logical heading structure
• Alternative text for relevant images
• Form labels
• Readable contrast
• Keyboard navigation
• Descriptive links
• Visible focus states
• Mobile-responsive layouts

RiskOne Group does not guarantee that every item of content, document, or third-party tool will be free of barriers.

To report difficulty accessing content or to request information in another format, contact:

Email: info@riskonegroup.com

Telephone: (787) 200-2790

Include the page, feature, or content associated with your request so that we can evaluate a reasonable alternative.

20. Limitation of Liability

To the extent permitted by applicable law, RiskOne Group will not be responsible for damages or losses arising solely from access to, use of, inability to use, or reliance on the general content of this website.

This may include damages related to:

• Website interruptions
• Errors or omissions
• Outdated content
• Decisions made without professional evaluation
• Third-party websites or services
• Lost or altered communications
• Malware or technical problems outside its control
• Unauthorized website use

Nothing in these terms is intended to exclude liabilities that cannot legally be limited.

21. Indemnification

To the extent permitted by law, the user agrees to be responsible for reasonable claims, losses, or expenses arising from:

• Illegal use of the website
• A material violation of these terms
• Infringement of third-party rights
• Deliberate submission of harmful content
• A false representation of affiliation with RiskOne Group

22. Other Agreements

Clients of RiskOne Group may have relationships governed by additional agreements, proposals, contracts, policies, forms, authorizations, or documents.

When a conflict exists between these Terms of Use and an applicable formal agreement, the formal document will control the subject it governs.

These Terms of Use do not expand the contracted scope or modify obligations established in other documents.

23. Access Restriction or Termination

RiskOne Group may restrict, suspend, or terminate website access where:

• Illegal use occurs
• A person attempts to affect website security
• These terms are violated
• Action is needed to protect systems or users
• An authority requires it
• The website or a feature is discontinued

Termination of access does not limit other available rights or remedies.

24. Governing Law and Jurisdiction

These Terms of Use will be interpreted under the applicable laws of the Commonwealth of Puerto Rico and the applicable federal laws of the United States.

Any dispute relating exclusively to website use will be subject to the jurisdiction of the competent courts of Puerto Rico, unless an applicable law or agreement provides otherwise.

25. Severability

If a provision of these terms is determined to be invalid, illegal, or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

The affected provision should be interpreted or modified as necessary to approximate its original purpose.

26. No Waiver

RiskOne Group’s failure to exercise a right or enforce a provision does not constitute a permanent waiver of that right or provision.

27. Changes to These Terms

RiskOne Group may modify these Terms of Use to reflect:

• Website changes
• Changes to described services
• New features
• Legal or regulatory changes
• Changes in its practices
• Improvements in clarity

The current version will display its latest update date.

Continued use of the website after a modification represents acceptance of the updated terms, to the extent permitted by law.

28. Complete Website Terms

These Terms of Use, together with the Privacy and Cookie Policy and any other applicable legal notice, constitute the agreement related to general website use.

They do not replace contracts, policies, proposals, authorizations, or professional agreements.

29. Contact

For questions about these Terms of Use, contact:

RiskOne Group

601 Ave. Fernandez Juncos

San Juan, PR 00907

Telephone: (787) 200-2790

Email: info@riskonegroup.com