Disclaimer

General Disclaimer

The information provided on climaterisknow.com (the "Site") by BP Les Cannisses KFT ("we," "us," "our," or "Company") is for general informational and educational purposes only. All information on the Site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

Educational Purpose Only

Not Professional Advice

The content on our Site is intended for educational and informational purposes only and should not be construed as:

Professional insurance advice
Legal advice
Financial advice
Business consulting advice
Risk management recommendations
Investment advice

No Professional Relationship

The use of our Site does not create a professional relationship between you and BP Les Cannisses KFT. We are not your insurance advisor, legal counsel, financial advisor, or business consultant.

Seek Professional Advice

You should always consult with qualified professionals before making any decisions related to insurance, legal matters, financial planning, or business operations. The information on our Site should not be used as a substitute for professional advice tailored to your specific circumstances.

Insurance-Related Disclaimers

Not an Insurance Provider

Important Notice: BP Les Cannisses KFT is not an insurance company, insurance broker, or licensed insurance agent. We do not:

Underwrite insurance policies
Sell insurance products
Provide insurance coverage
Act as an insurance intermediary
Offer insurance advice or recommendations

Lead Generation Service

Our Site operates as an educational platform and lead generation service. We connect users with licensed insurance providers who may offer relevant climate insurance solutions. Any insurance transactions or relationships are solely between you and the insurance provider.

No Insurance Guarantees

We make no guarantees regarding:

The availability of insurance coverage
Insurance policy terms or conditions
Premium costs or pricing
Claims processing or coverage decisions
The quality of service from insurance providers

Licensed Providers Only

We work only with insurance providers who represent that they are properly licensed in their respective jurisdictions. However, we do not independently verify licensing status, and you should confirm that any insurance provider is properly licensed before entering into any agreement.

Risk Assessment Disclaimers

Educational Tools Only

Any risk assessment tools, questionnaires, or calculators on our Site are for educational purposes only and should not be considered as:

Professional risk assessments
Actuarial analyses
Insurance underwriting decisions
Definitive risk evaluations

No Guarantee of Accuracy

Risk assessment results are based on general information and assumptions. Actual risk levels may vary significantly based on factors not captured in our tools. You should obtain professional risk assessments for important business decisions.

Climate Data Limitations

Climate risk information is based on available data and models, which may have limitations and uncertainties. Climate patterns and risks can change over time, and past data may not predict future conditions.

Third-Party Information

External Sources

Our Site may contain information from third-party sources, including:

Government agencies
Research institutions
Industry organizations
Insurance companies
Data providers

We do not independently verify all third-party information and are not responsible for its accuracy or completeness.

Third-Party Services

We may connect you with third-party insurance providers and other service providers. We are not responsible for: the services provided by third parties; the accuracy of third-party information; third-party business practices; third-party compliance with laws and regulations.

Limitation of Liability

No Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

WARRANTIES OF MERCHANTABILITY
WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE
WARRANTIES OF NON-INFRINGEMENT
WARRANTIES OF ACCURACY OR COMPLETENESS

Limitation of Damages

UNDER NO CIRCUMSTANCES SHALL BP LES CANNISSES KFT BE LIABLE FOR ANY: DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES; LOSS OF PROFITS, REVENUE, OR BUSINESS OPPORTUNITIES; BUSINESS INTERRUPTION OR LOSS OF DATA; PERSONAL INJURY OR PROPERTY DAMAGE; DECISIONS MADE BASED ON INFORMATION FROM OUR SITE.

Maximum Liability

Our total liability for any claims related to the use of our Site shall not exceed the amount you have paid us, if any, in the twelve (12) months preceding the claim.

Compliance and Regulatory Disclaimers

Regulatory Compliance

While we strive to comply with applicable laws and regulations, including: Texas Data Privacy and Security Act (TDPSA); Federal Trade Commission (FTC) regulations; Telephone Consumer Protection Act (TCPA); State insurance regulations — we make no guarantee that our Site or services comply with all applicable laws in all jurisdictions.

Jurisdictional Limitations

Our Site may not be appropriate or available for use in all jurisdictions. If you access our Site from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

Regulatory Changes

Laws and regulations regarding insurance, data privacy, and online marketing are subject to change. We are not responsible for ensuring that our Site remains compliant with all future regulatory changes.

Data and Technology Disclaimers

Technical Issues

We do not guarantee that our Site will be: available at all times; free from errors or interruptions; compatible with all devices or browsers; secure from unauthorized access.

Data Accuracy

While we strive to maintain accurate information, we do not guarantee that all data on our Site is current, complete, or error-free. Information may become outdated or inaccurate over time.

System Limitations

Our risk assessment tools and calculators have inherent limitations and may not account for all relevant factors. Results should be considered estimates only.

Forward-Looking Statements

Our Site may contain forward-looking statements about climate risks, insurance markets, and industry trends. These statements are based on current expectations and assumptions and are subject to risks and uncertainties. Actual results may differ materially from those expressed or implied in forward-looking statements.

Intellectual Property

Respect for Rights

We respect the intellectual property rights of others and expect users to do the same. If you believe that content on our Site infringes your intellectual property rights, please contact us.

No License

Nothing on our Site should be construed as granting any license or right to use any trademark, copyright, or other intellectual property without the express written permission of the owner.

Updates and Changes

We reserve the right to update or modify this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting on our Site. Your continued use of the Site after any changes constitutes acceptance of the updated Disclaimer.

Severability

If any provision of this Disclaimer is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Contact Information

BP Les Cannisses KFT
Email: baptiste@bpcorp.eu
Address: 1077 Budapest, Rózsa utca 38/A
VAT Number: HU32359815

Acknowledgment

By using our Site, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer. If you do not agree with any part of this Disclaimer, please do not use our Site.

This Disclaimer is effective as of August 8, 2025 and applies to all users of the climaterisknow.com website.