Terms of Service

1. Website Use

This website is provided for general informational purposes only. You may use this website to learn about Pacific Risk Consulting's commercial property and casualty risk survey, loss control, and related services.

You agree not to use this website for any unlawful purpose, to interfere with website operation, to attempt unauthorized access to website systems, or to misuse any forms, content, or contact features.

2. No Professional Services Through Website Use Alone

Use of this website does not create a consultant-client relationship. No professional services are provided unless and until Pacific Risk Consulting and the client have agreed to the scope, terms, and conditions of a specific engagement.

Website content is not legal advice, engineering advice, code compliance advice, insurance coverage advice, construction advice, appraisal advice, or a substitute for review by qualified professionals or the authority having jurisdiction.

3. Scope of Services

Pacific Risk Consulting may provide commercial property and casualty risk survey, loss control, documentation, recommendation verification, virtual survey, carrier form completion, and insurance-to-value / replacement cost review services.

All services are subject to a separately agreed scope of work. Unless expressly agreed in writing, Pacific Risk Consulting does not provide legal opinions, engineering evaluations, code compliance certifications, construction bids, real estate appraisals, insurance coverage determinations, or guarantees of safety, insurability, replacement cost, or loss prevention.

4. Website Content

Website content is provided for general informational and risk-control discussion purposes only. While Pacific Risk Consulting attempts to provide useful and accurate information, website content may not reflect the most current legal, regulatory, code, insurance, or technical developments.

You should not rely on website content as the sole basis for making insurance, legal, financial, construction, safety, or risk management decisions.

5. Intellectual Property

All website text, graphics, logos, service descriptions, report descriptions, articles, and other content are owned by or licensed to Pacific Risk Consulting unless otherwise stated.

You may view, download, or print website content for personal or internal business reference only. You may not copy, reproduce, distribute, modify, sell, or use website content for commercial purposes without written permission from Pacific Risk Consulting.

6. Third-Party Links and Tools

This website may include links to third-party websites, embedded tools, maps, forms, analytics, or other services. Pacific Risk Consulting is not responsible for the content, security, accuracy, privacy practices, or availability of third-party websites or services.

Use of third-party websites or services is at your own risk and subject to their terms and privacy policies.

7. Submitted Information

If you submit information through this website, including a contact form or survey request form, you agree that the information you provide is accurate to the best of your knowledge.

Submission of information through the website does not guarantee acceptance of an assignment, creation of a client relationship, availability of services, or any specific response time.

8. Limitation of Liability for Website Use

To the fullest extent permitted by applicable law, Pacific Risk Consulting disclaims liability for damages arising from use of, inability to use, or reliance on general website content.

Nothing in these Terms is intended to exclude or limit liability in a way that is prohibited by applicable law.

9. No Warranty

This website is provided "as is" and "as available." Pacific Risk Consulting does not warrant that the website will be uninterrupted, error-free, secure, or free from harmful components.

10. Changes to These Terms

Pacific Risk Consulting may update these Terms of Service from time to time. Updates will be posted on this page with a revised effective date. Continued use of the website after changes are posted means you accept the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

12. Contact

Questions about these Terms may be directed to:

Pacific Risk Consulting Email: [email protected] Website: www.pacificriskconsulting.com