Terms & Conditions

Effective Date: 1st September 2025

Welcome to the websites of ES Risks Ltd (UK) and ES Risks Europe Ltd (EU) (“ES Risks”, “we”, “us”, “our”). By accessing or using our websites, you agree to comply with and be bound by these Terms & Conditions. If you do not agree, please do not use our sites.

1. About Us

ES Risks Ltd is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom.
ES Risks Europe Ltd is authorised and regulated within the European Union.

These websites are intended to provide general information about our services. They are not intended as financial or professional advice and should not be relied upon as such.

2. Use of the Website

You may use our websites for lawful purposes only.
You must not misuse the sites by introducing viruses, malware, or other harmful material.
You must not attempt to gain unauthorised access to our servers, databases, or other connected systems.

We reserve the right to restrict or terminate access to the websites at our discretion.

3. No Direct Client Services

ES Risks does not provide insurance services directly to buyers through this website. If you are an insurance buyer, we may connect you with a specialist or partner broker who can assist. If you are a regulated insurance business, we welcome discussions on how we can work together.

4. Intellectual Property

All content on the websites—including text, images, graphics, logos, and design—is owned or licensed by ES Risks and is protected by copyright, trademark, and other intellectual property laws.

You may view, download, or print content for personal, non-commercial use only. Any other use (including reproduction, distribution, or modification) requires our prior written consent.

5. Accuracy of Information

We aim to ensure the information on our websites is accurate and up to date. However, we make no representations or warranties, express or implied, about:

The completeness, accuracy, or reliability of the information.
The availability or uninterrupted operation of the websites.

We are not responsible for any errors, omissions, or reliance placed on the information provided.

6. Liability

To the fullest extent permitted by law:

ES Risks excludes all liability for any loss or damage arising from use of our websites.
This includes (but is not limited to) indirect, incidental, or consequential damages, loss of profit, data, or business opportunities.
Nothing in these Terms excludes liability for fraud, fraudulent misrepresentation, or any liability that cannot be excluded under law.

7. Links to Third Parties

Our websites may include links to third-party websites. These links are provided for convenience only, and we do not endorse or accept responsibility for the content, security, or practices of those websites.

8. Privacy & Cookies

Use of our websites is also governed by our Privacy Policy and Cookie Policy, which explain how we collect, use, and protect your personal data.

9. Governing Law

For ES Risks Ltd, these Terms & Conditions are governed by the laws of England and Wales, and disputes are subject to the exclusive jurisdiction of the courts of England and Wales.
For ES Risks Europe Ltd, these Terms & Conditions are governed by the laws of the European Union member state in which we are registered, and disputes are subject to the jurisdiction of the courts of that state.

10. Changes to These Terms

We may update or amend these Terms & Conditions at any time without notice. The latest version will always be available on our websites. By continuing to use the websites after changes are posted, you accept the revised terms.

11. Contact Us

If you have any questions about these Terms & Conditions, please contact us using the information at the bottom of this page.