Arbol sites and all content and functionality contained within them are not directed to or intended for use by any person resident or located in any country where the distribution of such content or functionality is contrary to the laws, rules, or regulations of such country. The same applies to any person resident or located in any country where such distribution is prohibited without obtaining the necessary licenses or authorizations and such licenses or authorizations have not been obtained. If any such local access restriction applies to you, you are not authorized to access the relevant Arbol site or use any of the content on it.
Arbol does not assume any liability for the materials and information provided on, or available through, its websites. Information and quota7ons provided on, or available through, the websites is not and should not be construed as insurance advice. Neither Arbol, any third-party providing content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any indirect, special, incidental, consequential, punitive or exemplary loss, liability or costs, whether arising from negligence, breach of contract or otherwise and regardless whether the damage was foreseeable or not. Neither Arbol, any third-party providing content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any loss of profits, business or data. Neither Arbol, any third party providing content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any damage or loss (especially loss of data, alteration of data, or down7me) that may be caused to any equipment or software due to any viruses, defects or malfunctions in connection with the access or use of any Arbol website or downloads from any Arbol website (whether based on manual access, subscriptions, RSS-feeds or otherwise).
Arbol is licensed as an insurance producer in the states where Arbol offers its products and services. Climate Risk makes no representation that the products and services on this website are appropriate or available for use outside of the states where Arbol is currently doing business.
All quotes generated on this website are based on information you provided and information we obtain from third par7es. Quotes do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage. The coverage descriptions of potentially available insurance coverage products and services are not a statement of contract or an invitation to contract. To obtain insurance coverage, you must complete all of the steps on this website through the final application. Applications are subject to underwriting review and approval. If you file a claim under the policy, the information you submit and the loss are subject to review and verification. Coverage is subject to the provisions in your policy.
If you enter into a transaction with us via the website or by phone, you acknowledge that you have read this Agreement to Conduct Electronic Transactions and agree to have all records, including your current and future insurance-related documents, provided to you in electronic form. Insurance-related documents include but are not limited to your policy, notices, applications, amendments, endorsements, disclosures reports, bills, claim notices, disclosures, status letters, forms, legally mandated policies, notices and disclosures, and any other documents related to your insurance transactions with us. We will use various methods to provide communications to you electronically, including via e-mail or through our website. This consent, unless withdrawn, applies to all transactions between you and Arbol. However, you have the right to receive communications from us, including the insurance policy, in paper form by withdrawing consent. You agree your electronic signature is the legal equivalent of your manual signature. You also agree that no certification authority or other third party verification is necessary to validate your E-Signature and that the lack of such certification authority or other third party verification is necessary to validate your E-Signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your E-Signature or any resulting contract between you and Arbol.