Hako Risk & Insurance  Terms and Conditions

Key Points Summary

• hakorisk.com is owned by Glassveil, LLC.
• By using the website, you agree to these terms and our privacy policy.
• Content is for general use; accuracy not guaranteed.
• If you are purchasing a bond, the first year bond premium is non-refundable.
• If you are purchasing insurance, the premium may have a minimum earned amount.
• Disputes are resolved through arbitration in Arizona.
• We use cookies and retain data for 6 years (insurance industry standard).

Terms and Conditions

Website Ownership and User Agreement

hakorisk.com is owned and operated by Glassveil, LLC (10645 N Tatum Blvd, Ste 200-102, Phoenix, AZ 85028). By using this site, you agree to these terms and our privacy policy.

Content Usage

• Personal, non-commercial use allowed.
• Limited printing/downloading for personal reference.
• Link sharing permitted with proper attribution.
• Commercial use, bulk downloading, and content modification prohibited.

Bond Premium and Credit Information

• First year's premium is non-refundable.
• We may obtain your credit information for bonding eligibility.
• Data retained for 6 years after last interaction.

Insurance Premium and Credit Information

• Premiums may be subject to minimum earned calculations. Each policy’s terms will determine minimums.
• Data retained for 6 years after last interaction.

Dispute Resolution and Arbitration

Any disputes related to these terms, or your use of our website will be governed by Arizona law. We use arbitration to resolve disputes. Here's what you need to know:

• Arbitration is a way to resolve disputes outside of court.
• A neutral third party (arbitrator) will hear both sides and make a decision.
• The arbitration will take place in Phoenix, Arizona, unless we agree otherwise.
• It will be conducted in English and administered by the American Arbitration Association.
• The arbitrator's decision is final and binding.
• By agreeing to arbitration, you're waiving your right to a jury trial.
• You can still bring an individual action in small claims court as an alternative.
• You have the right to opt out of this arbitration provision within 30 days of agreeing to these terms. To do so, send a written notice to our address stating your intent to opt out.

Cookie Policy

We use essential, performance, functionality, and targeting cookies. Specific examples include:

• Essential: Session cookies for security and shopping cart functionality.
• Performance: Google Analytics cookies to track site usage.
• Functionality: Cookies to remember your preferences (e.g., language settings).
• Targeting: Cookies used by advertising partners to show relevant ads.

Manage preferences through your browser settings.

Messaging and 10DLC Requirements

hakorisk.com, operated by Glassveil, LLC, may send text messages to your mobile device. By providing your mobile number and agreeing to these terms, you consent to receive such messages. The following conditions apply to our messaging services:

• Message and data rates may apply.
• Message frequency varies based on your account activity and preferences.
• To opt out of messages, reply STOP to any message you receive from us. You will receive a confirmation message.
• For customer support, reply HELP to any message, or contact us at customerservice@hakorisk.com.
• Your privacy is important to us. To learn how we handle your information, please review our Privacy Policy at https://www.hakorisk.com/privacy-policy.

By participating in our messaging program, you agree to receive recurring automated marketing messages at the phone number provided. Consent is not a condition of purchase.

User Rights and Accessibility

You can access, correct, or delete your data and terminate your account. We're committed to digital accessibility for all users.

Liability and Indemnification

We're not liable for damages from your website use. Indemnification means you agree to protect us from losses or legal issues arising from your use of the site. For example, if your actions on our site lead to a lawsuit against us, you'd be responsible for covering our legal costs.

Unauthorized Use

Examples of unauthorized use include:

1. Copyright Infringement: Copying and republishing content without permission.
2. Trademark Violations: Unauthorized use of the hakorisk.com name or logo.
3. Data Scraping: Automated scraping of information or pricing data.
4. Fraudulent Applications: Submitting false information for applications.
5. Hacking Attempts: Unauthorized access attempts.
6. Misuse of User Accounts: Sharing login credentials leading to unauthorized actions.

Force Majeure

hakorisk.com is not liable for any failure or delay in performing our obligations due to events beyond our reasonable control. These may include:

1. Natural disasters (e.g., earthquakes, floods)
2. Acts of war or terrorism
3. Government actions preventing our operations
4. Widespread power or internet outages
5. Pandemics or widespread disease outbreaks

In such cases, we'll take reasonable steps to minimize service disruptions and notify affected users as soon as possible.

Additional Information

• All communications must be in English.
• We may update these terms; check regularly for changes.
• External links are provided for convenience but not endorsed.

By using hakorisk.com, you agree to these terms. Contact us with any questions using the information on our website.

Last Updated: May 27, 2025