Welcome to the Inherent Risks website ("Website") which is administered by Inherent Risks Ltd (“Inherent Risks”). Inherent Risks provides and makes available this Website, subject to this Terms of Use Agreement (“Agreement” or “TOU”). This Agreement explains a contractual agreement between you ("user," "you," "your") and Inherent Risks regarding your use of this Website. You should print a copy of this Agreement for your records. Please note, however, that Inherent Risks may update and amend this Agreement from time to time as Inherent Risks deems necessary, in its sole discretion, and without prior written notice to you.

DO NOT USE THIS WEBSITE IF YOU DO NOT AGREE WITH THESE TERMS.

Inherent Risks reserves the right, in its sole discretion, to modify, alter or otherwise update this Agreement, or to change or delete any features of this Website, at any time, with or without prior notice to you. Such modifications, alterations, and updates of this Agreement shall be effective immediately upon posting upon the Website. You agree to be bound by such modified, altered and updated terms if you access or use this Website after Inherent Risks has posted notice of modifications, alterations or updates.

IF YOU DO NOT AGREE WITH ANY OF THE MODIFIED, ALTERED OR UPDATED TERMS, THEN YOU SHOULD NOT USE THIS WEBSITE AFTER SUCH MODIFICATIONS, ALTERATIONS OR UPDATES HAVE BEEN POSTED.

This Website may permit you to link to other websites that may or may not be affiliated with this Website and/or with Inherent Risks. These other linked websites, including the websites of Inherent Risks' affiliated companies, as well as the websites of Inherent Risks' third party service providers, or partners, (collectively the "Third Parties"), may have different terms of use that are not the same as in this Agreement. Your access to and use of such linked websites through links provided on this Website are not governed by this Agreement, but instead are governed by the terms of use and policies of those websites, and Inherent Risks disclaims any and all responsibility for your access to and use of such linked websites.

Personal Information about you, as defined in Inherent Risks’ Privacy Policy that you may submit or provide to Inherent Risks through this Website is subject to Inherent Risks’ Privacy Policy, which can be found at [https://www.inherentrisks.com/privacy-policy] and is incorporated into this Agreement. In addition, by using this Website you expressly consent to Inherent Risks collecting Personal Information and other information about you, as more fully provided in Inherent Risks’ Privacy Policy.

Inherent Risks controls and (either itself and/or through its third party hosts) operates this Website. All content on this Website, including, but not limited to, text, images, illustrations, graphics, logos, digital downloads, data, software, headers, icons, scripts, audio clips, and video clips, is the property of Inherent Risks or its Third Parties, and is protected by copyrights, trademarks, service marks, and/or other intellectual property rights (which are governed by and subject to United Kingdom and international copyright laws and treaty provisions, privacy and publicity laws, and communication regulations and statutes). The content is owned and controlled by Inherent Risks, its affiliated or related entities, or the Third Parties that have licensed or otherwise made available their content or the right to market their products and/or services to Inherent Risks.

You may not use any registered or unregistered trademarks, service marks, copyrighted materials or other proprietary information or intellectual property appearing on this Website, including, but not limited to, any logos, images or characters, meta tags or similar code, or hidden text or elements containing such information or property, without the express written consent of the owner of the mark or copyright. You may not frame any trademarks, service marks, copyrights, logos, images, text, or other proprietary information or intellectual property of Inherent Risks, or otherwise incorporate into another website any of the content or other materials on this Website, without Inherent Risks’ express prior written consent. You may not deep link to any page or portion of this Website without Inherent Risks’ prior written consent.

Violation of trademark and copyright laws ("Infringement") may result in significant civil liability or criminal penalties under United Kingdom and/or international copyright and trademark laws. You recognise that any reproduction or use of content, copyrights, trademarks, service marks, or other intellectual property on this Website, except as authorised by this Agreement, is considered intentional Infringement.

You are specifically prohibited from any use of this Website, and you agree not to use or permit others to use this Website, without limitation, for any of the following:

take any action that imposes an unreasonable or disproportionately large load on, or waste of valuable time for, the Website's infrastructure or resources, including, but not limited to, sending or promoting the distribution of "spam," "junk mail," chain letters, or other such unsolicited or unlawful mass e-mailing techniques;
disclose to, or share with, any unauthorised third parties the ID's, assigned confirmation numbers and/or passwords, or use the ID's, assigned confirmation numbers and/or passwords for any unauthorised purpose, or otherwise allow or facilitate others to gain access to Inherent Risks’ information technology systems, environments, networks, files, data or accounts through the use of the ID's, assigned confirmation numbers and/or passwords;
access or attempt to access Inherent Risks’ information technology systems, environments, networks, files, data or accounts to which express authorisation has not been obtained (including access to data not intended for You), or log into a server or account that you are not authorised to access;
attempt to decipher, decompile, disassemble, modify, remove or reverse engineer any of the software or HTML code comprising or in any way making up a part of this Website;
interfere with, disrupt, disable or damage (or attempt to interfere with, disrupt, disable or damage), in an unauthorised manner, the use or operation of this Website or Inherent Risks’, its affiliated or related entities' or the Third Party’s systems, equipment or applications, or service to any user, host, or network, including by use of any programs, scripts, commands, viruses, worms, web bugs, harmful code, Trojan horses, other contaminants, or otherwise. This includes "denial of service" attacks, "flooding" of networks, deliberate attempts to overload a service or to burden excessively a service's resources, attempts to "crash" a host, and/or modifying or rerouting any content or services provided at this Website;
attempt to circumvent or subvert system or network security (i.e., authentication) mechanisms, or probe the security of any system, network, or account, associated or used in conjunction with this Website;
upload, post, e-mail or otherwise transmit any information, content, or proprietary rights that you do not have a right to transmit under this Agreement, any law or other contractual or fiduciary relationships; and/or
use any robot, spider, intelligent agent, meta-searching, other automatic device, or manual process to search, monitor or copy Inherent Risks’ Website pages or the content.

ALL CONTENT, PRODUCTS AND SERVICES ON THIS WEBSITE, UNLESS OTHERWISE EXPRESSLY STATED IN WRITING BY INHERENT RISKS, ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. OTHER THAN THOSE WARRANTIES WHICH, UNDER THE UNITED KINGDOM LAWS APPLICABLE TO THESE TERMS, ARE IMPLIED BY LAW AND ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION, INHERENT RISKS DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

NEITHER INHERENT RISKS, ITS AFFILIATED OR RELATED ENTITIES, NOR THE THIRD PARTIES, NOR ANY PERSON INVOLVED IN THE CREATION, PRODUCTION, HOSTING AND/OR DISTRIBUTION OF THIS WEBSITE, WARRANT THAT THE FUNCTIONS, FEATURES OR SERVICES CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVER THAT MAKES THE CONTENT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE CONTENT THAT YOU ACCESS ON THIS WEBSITE IS PROVIDED SOLELY FOR YOUR CONVENIENCE AND INFORMATION. INHERENT RISKS DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE, OR AS TO THE RELIABILITY, ACCURACY OR CURRENCY OF ANY CONTENT, SERVICE, AND/OR MERCHANDISE PROVIDED OR ACQUIRED PURSUANT TO YOUR USE OF THIS WEBSITE.

YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. YOU (AND NOT INHERENT RISKS) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING (INCLUDING, WITHOUT LIMITATION, YOUR INTERNET CONNECTION) AND REPAIR OR CORRECTION OF YOUR COMPUTER, NETWORK AND/OR SYSTEM.

IN NO EVENT SHALL INHERENT RISKS, ITS AFFILIATED OR RELATED ENTITIES OR THIRD PARTIES, NOR ANY OF ITS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS, OR ANY PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, DISTRIBUTION AND HOSTING OF THIS WEBSITE, BE LIABLE FOR ANY DIRECT, ACTUAL, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES, OF ANY KIND, WHETHER ARISING UNDER CONTRACT, WARRANTY, OR TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY, REGARDLESS OF WHETHER INHERENT RISKS (OR ITS AFFILIATED OR RELATED ENTITIES OR PROVIDERS) KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING, WITHOUT LIMITATION, FROM THE USE OR ATTEMPTED USE OF THIS WEBSITE OR ANY OTHER LINKED SITE.

By accessing this Website, you agree that this Agreement and your use of the Website shall be governed in all respect by the laws of the United Kingdom, without regard to any conflict of laws provisions, and shall not be governed by the United Nations Convention on the International Sale of Goods. You further agree to submit to the exclusive jurisdiction and venue in the United Kingdom for all disputes, cases and controversies regarding this Website, your use of this Website, and any matter arising out of or related to this Agreement.

Inherent Risks reserves the right to report any wrongdoing, if and when it becomes aware of it, to any applicable government or law enforcement agencies. You agree to indemnify, defend and hold Inherent Risks, its and their officers, directors, employees, affiliated or related entities, Third Parties, agents, licensors, and suppliers, harmless from and against any and all claims, demands, actions, costs, liabilities, losses and damages of any kind (including attorneys' fees) resulting from your use of this Website, your breach of any provision of this Agreement and/or any negligent acts, omissions or intentional wrongdoing by you relating to or arising from your use of this Website.

Inherent Risks' failure to act with respect to a breach by you or others does not waive Inherent Risks’ right to act with respect to subsequent or similar breaches. If any provision of this Agreement is held to be invalid or unenforceable, such provision will be struck and the remaining provisions enforced. Headings are for reference purposes only. You and Inherent Risks are dealing at arms' length, creating a commercial relationship. Inherent Risks is not your agent, representative or fiduciary. The provisions and conditions of this Agreement, and each obligation referenced herein, represent the entire Agreement between Inherent Risks (including the Third Parties), its affiliated or related entities, and you, and supersede any prior agreements or understandings not incorporated herein. In the event that any inconsistencies exist between this Agreement and any future published terms of use or understanding, the last published Agreement shall prevail.

INHERENT RISKS RESERVES ANY RIGHTS NOT EXPRESSLY GRANTED OR STATED IN THESE TERMS.