Terms of Service
Agreement to Terms
By accessing or using the climaterisknow.com website (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.
These Terms constitute a legally binding agreement between you and BP Les Cannisses KFT ("we," "us," "our," or "Company"), a company incorporated in Hungary.
Company Information
Company Name: BP Les Cannisses KFT
CEO: Baptiste Piocelle
Address: 1077 Budapest, Rózsa utca 38/A
VAT Number: HU32359815
Company Registration Number: Cg.01-09-420052
Email: baptiste@bpcorp.eu
Description of Service
ClimateRiskNow is an educational platform that provides information and resources about climate risk assessment and insurance solutions. Our services include:
- Educational Content: Information about climate risks, insurance options, and risk management strategies
- Risk Assessment Tools: Interactive tools and questionnaires to help evaluate climate-related risks
- Information Sharing: Connecting users with relevant insurance providers and risk management solutions
- Research and Analysis: Providing insights and data about climate risk trends and insurance markets
Important Notice: We are an educational and information platform. We do not directly provide insurance services, underwrite policies, or act as an insurance broker. We may connect you with licensed insurance providers who can offer relevant services.
Eligibility and User Requirements
Age Requirement
You must be at least 18 years old to use our Site. By using our Site, you represent and warrant that you are at least 18 years old.
Business Use
Our Site is primarily intended for business and professional use. If you are using our Site on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.
Compliance with Laws
You agree to use our Site in compliance with all applicable federal, state, and local laws and regulations.
Acceptable Use
Permitted Uses
- Accessing educational content about climate risk and insurance
- Completing risk assessment tools and questionnaires
- Requesting to be connected with licensed insurance providers
- Communicating with our team about our educational services
Prohibited Uses
- Any unlawful purpose or to solicit others to perform unlawful acts
- Violating any international, federal, state, or local law or regulation
- Transmitting or procuring the sending of any advertising or promotional material without our prior written consent
- Impersonating or attempting to impersonate the Company, a Company employee, another user, or any other person or entity
- Engaging in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site
Content Restrictions
- Upload, post, or transmit any content that is illegal, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
- Use the Site to transmit any material that contains viruses, malware, or other harmful computer code
- Attempt to gain unauthorized access to any portion of the Site or any other systems or networks connected to the Site
Information Collection and Sharing
Data Collection
By using our Site, you acknowledge and agree that we collect information as described in our Privacy Policy. This may include:
- Personal and business contact information
- Information about your insurance needs and risk profile
- Usage data and analytics information
Information Sharing with Partners
Important Disclosure: We may share your information with licensed insurance providers and business partners who can offer relevant climate insurance solutions. By using our Site and providing your information, you consent to this sharing for the purpose of receiving relevant insurance information and services.
Lead Generation Services
- Your information may be shared with relevant insurance providers
- These providers may contact you to discuss insurance solutions
- We may receive compensation from these providers for successful referrals
Intellectual Property Rights
Our Content
The Site and its original content, features, and functionality are owned by BP Les Cannisses KFT and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
User Content
By submitting content to our Site, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.
Trademarks
"ClimateRiskNow" and other marks indicated on our Site are trademarks of BP Les Cannisses KFT. You may not use these trademarks without our prior written permission.
Third-Party Services and Links
Insurance Providers
We may connect you with third-party insurance providers. These providers are independent entities, and we do not control their services, policies, or practices. Your interactions with these providers are governed by their own terms and conditions.
External Links
Our Site may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these third-party sites.
No Endorsement
The inclusion of any link does not imply endorsement by us of the site or any association with its operators.
Disclaimers and Limitations
Educational Purpose
The information provided on our Site is for educational and informational purposes only. It should not be considered as professional advice, including but not limited to insurance, legal, financial, or business advice.
No Insurance Services
We do not provide insurance services, underwrite policies, or act as an insurance broker. We are not licensed to sell insurance in any jurisdiction.
Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, completeness, or suitability of the information on our Site.
Third-Party Actions
We are not responsible for the actions, services, or policies of third-party insurance providers or other partners. Any agreements you enter into with these parties are solely between you and them.
Limitation of Liability
General Limitation
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: IN NO EVENT SHALL BP LES CANNISSES KFT, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.
Maximum Liability
OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY.
State Law Variations
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to you.
Indemnification
You agree to defend, indemnify, and hold harmless BP Les Cannisses KFT and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Site.
Termination
Termination by Us
We may terminate or suspend your access to our Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Termination by You
You may terminate your use of our Site at any time by simply discontinuing your use of the Site.
Effect of Termination
Upon termination, your right to use the Site will cease immediately. The provisions of these Terms that by their nature should survive termination shall survive termination.
Governing Law and Jurisdiction
Governing Law
These Terms shall be governed by and construed in accordance with the laws of Hungary, without regard to its conflict of law provisions.
Jurisdiction
Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Hungary, and you hereby consent to personal jurisdiction and venue therein.
US Users
For users located in the United States, any disputes may also be subject to the laws of the state where you reside, and you may have additional rights under applicable state and federal laws.
Dispute Resolution
Informal Resolution
Before filing a claim against us, you agree to try to resolve the dispute informally by contacting us at baptiste@bpcorp.eu. We will try to resolve the dispute informally by contacting you via email.
Arbitration
If we cannot resolve the dispute informally, any dispute arising out of or relating to these Terms or the Site will be resolved through binding arbitration in accordance with the rules of the International Chamber of Commerce.
Class Action Waiver
You agree that any arbitration or legal proceeding shall be limited to the dispute between us and you individually. You will not participate in a class action, class arbitration, or other representative action.
Compliance with Laws
Texas Regulations
For users in Texas, we comply with applicable Texas laws, including the Texas Data Privacy and Security Act and Texas telemarketing regulations.
Federal Compliance
We comply with applicable federal laws, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and Federal Trade Commission regulations.
Insurance Regulations
We comply with applicable insurance regulations and work only with licensed insurance providers in their respective jurisdictions.
Changes to Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.
Material changes will be communicated through:
- Email notification (if you have provided your email address)
- Prominent notice on our Site
- Other appropriate means of communication
Your continued use of the Site after any changes constitutes acceptance of the new Terms.
Severability
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published by us on the Site, constitute the entire agreement between you and us concerning the Site.
Contact Information
BP Les Cannisses KFT
Email: baptiste@bpcorp.eu
Address: 1077 Budapest, Rózsa utca 38/A
VAT Number: HU32359815
These Terms of Service are effective as of August 8, 2025 and apply to all users of the climaterisknow.com website.