This page sets out the terms and conditions (“Terms”) of this website (the “Site”). This Site is operated by the Apex Group Ltd., together with its affiliates and subsidiaries (“Apex”). Before using this Site, you should read the Terms carefully, as well as our Cookie Notice and Privacy Policy.

These Terms cover your use of this Site, and by accessing and using this Site you accept the Terms and the Privacy Policy; and you confirm that your access to the Site is in compliance with the applicable laws and regulations of your jurisdiction or country of residence.


The Site is provided for informational purposes only and does not create a business or any other relationship between you and Clarus Risk.


This is not a transactional website. The information published on this website is not a proposal or advice concerning any investment or financial services or products. No products or services can be purchased through the Site. Clarus Risk may change any of the information contained on the Site without notice.

All material, including information from or attributed to Clarus Risk, has been obtained from sources believed to be accurate as of the date of publication. However, Clarus Risk makes no warranty of the accuracy or completeness of the information and Clarus Risk does not assume any responsibility for its accuracy, efficacy or use. Any information on the Site obtained by Clarus Risk from third parties has not been reviewed for accuracy.

Access to products and services detailed on the Site may be restricted for certain persons or countries in accordance with the national legislation. More generally, the products and services presented on the Site may only be purchased in jurisdictions in which their marketing and distribution are authorised.


None of the products or services presented here will be provided to a person if the law of his/her country of origin, or any other country to whose jurisdiction he/she is subject, prohibits it. Site users are asked to ensure that they are legally entitled to consult this Site in the country which the connection has been established.


The Contents are provided “as – is“ and “as available” at your sole risk and neither Clarus Risk, nor its third party providers, makes any guarantee, representation, or express or implied warranty (including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement) regarding such information. Clarus Risk, and any of its third party providers, disclaim any warranty and all liability, whether arising in contract, tort or otherwise, for any losses, liabilities, damages, expenses or costs, either direct, indirect, consequential, special or punitive, arising from or in connection with your access to and/or use of the information herein. Neither Clarus Risk, nor any of its third party providers, shall have any liability, monetary or otherwise, to you or any other person or entity in the event the information presented herein produces incorrect, invalid or detrimental result.

Clarus Risk expressly disclaims any liability for errors and omissions regarding the information and material contained in the Site.

Due to the nature of the Internet, Clarus Risk cannot guarantee the confidentiality, accuracy or completeness of the information contained in this Site or information provided via this Site, or its suitability for any purpose.

Although Clarus Risk warrants to make reasonable efforts to avoid technological problems, Clarus Risk is not responsible for any technological problem, or liable to any user for any direct, indirect, consequential, special or other damage howsoever resulting from the use of this Site or any other website connected to the Site by means of hypertext, links or otherwise (whether such damages are caused by transmission from the Site or a connected website to the user’s computer system of viruses, worms, Trojan horses, or other destructive items, corrupted data or data incompatible with the user’s computer system or third parties’ interception of or access to data of whatever nature including without limitation personal data transmitted by the user electronically to Clarus Risk or otherwise caused) such damage to include, without limitation, loss of profits, interruption to business and loss of data.

Nothing in these Terms shall exclude or limit Clarus Risk’s liability for fraud or any other liability which cannot be excluded or limited under the Law.

Furthermore, if your use of material on the Site results in the need for servicing, repairing or correcting any equipment, software or data, you must assume all costs thereof.


No hyperlinks to the Site or any website owned or operated by Apex may be created without the consent of Apex. If you desire to display on your website a hyperlink to an Apex site, you must enter into a written agreement with Apex governing such display, prior to creating any such links. Access to any Apex website does not authorize you to use Apex’s names, logos, trademarks, or copyrights and you agree not to do so without Apex express written consent.


Please refer to the Privacy Policy which is part of the Terms; and which applies to any user of the Site. This Privacy Policy defines the treatment of personal information that Apex collects when the user accesses to and uses this Site. Apex may amend the Privacy Policy from time to time. If at any time you are not in compliance with the Privacy Policy, Apex has the right to terminate users’ rights to access and use this Site.


Unless otherwise stated, the Contents, are the exclusive property of Clarus Risk. All trademarks used or referred to on the Site are the property of the respective owners.

The posting of the Contents neither constitutes a waiver of any of Clarus Risk’s property rights or any other party’s proprietary rights, included but not limited to, copyrights, trademarks, service marks, patents and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the website user or to any third party.

No permission is granted to reprint, sell, copy, distribute, or modify any of the Contents, in any form or by any means without the prior written consent of Clarus Risk, which may be withheld in Clarus Risk’s sole discretion.


Clarus Risk will never request personal information from contacts via email, website, or pop-up windows. Any unsolicited request for account information you receive through email, via the Site, or pop-up windows should be considered fraudulent.


Except where expressly indicated otherwise, transmissions to and from this website or directed to Apex (including emails) are not sent in a secure form, can be intercepted by third parties and may not be immediately received by the appropriate business unit at Apex. Please do not use email to send us communications containing confidential information, information which Apex requires in writing, or information that needs Apex’s immediate attention. Any transmission to the Site, including emails, shall be deemed and remain the property of Apex. Apex shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to Apex through the Site.


You confirm that you are of sufficient legal age to use this website and to create binding legal obligations for any liability you may incur as a result of the use of this website. You agree that you are financially responsible for all uses of the Site by yourself and those using your computer.


Clarus Risk reserves the right to terminate, without prior notice, your access to the Site at Clarus Risk’s sole discretion, including without limitation, for overuse or abuse of Site.


The Site and the Terms are governed by Bermuda Law. Any legal proceedings involving the Site or the Terms must be brought before the Bermuda courts.


To the extent any portion of these Terms are determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such a portion to be enforceable and these Terms, as so modified, shall remain in full force and effect.


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