Last Updated: August 1, 2026

These Terms of Use (“Terms”) govern your access to and use of the website located at https://reactuarial.com/, including any content, features, materials, and services made available through the website (collectively, the “Website”). The Website is owned and operated by Reinsurance Actuarial Solutions LLC (“RAS,” “we,” “us,” or “our”).

Please read these Terms carefully before using the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you should not access or use the Website.

1. About RAS

RAS provides reinsurance intermediary brokerage, actuarial analysis, financial analysis, and related advisory services. The availability and scope of particular services may depend on applicable licensing requirements, the jurisdiction involved, and the terms of a separate written engagement with RAS.

Nothing on the Website constitutes an offer, solicitation, or agreement to provide reinsurance intermediary, brokerage, actuarial, consulting, or other professional services in any jurisdiction where doing so would be unlawful or require authorization that RAS does not possess.

2. Informational Purposes Only

The content available through the Website is provided solely for general informational and educational purposes. It is not intended to address the facts or circumstances of any particular person, insurance company, reinsurer, transaction, reinsurance program, or other organization.

Nothing on the Website constitutes, or should be relied upon as:

• Actuarial advice or an actuarial opinion;
• Insurance or reinsurance coverage advice;
• A recommendation to enter into, modify, renew, terminate, or replace any insurance or reinsurance arrangement;
• Legal, tax, accounting, regulatory, investment, or financial advice;
• An offer to sell, solicitation to purchase, or placement of insurance, reinsurance, securities, or any other financial product; or
• A representation that any particular transaction, structure, accounting treatment, regulatory outcome, or financial result will be available or appropriate.

Any discussion of legal, tax, accounting, regulatory, or financial matters reflects general observations based on RAS’s experience as a reinsurance intermediary and advisor. You should consult your own qualified legal, tax, accounting, actuarial, regulatory, investment, and other professional advisors before making decisions concerning a particular matter.

3. No Professional or Client Relationship

Your access to or use of the Website, including contacting RAS through the Website, does not create a broker-client, intermediary-client, actuarial, advisory, fiduciary, agency, or other professional relationship between you and RAS.

RAS undertakes a professional engagement only through a separate written agreement or other written authorization acceptable to RAS. Until such an engagement has been established, RAS has no obligation to provide services, maintain confidentiality, avoid conflicts, or act on your behalf, except as otherwise required by applicable law.

You should not send confidential, proprietary, privileged, personally identifiable, or transaction-sensitive information through the Website or by unsolicited email unless RAS has agreed in advance to receive that information under an appropriate confidentiality arrangement. Receipt of unsolicited information does not create a professional relationship or prevent RAS from representing or advising another party.

4. No Guarantee of Results

Any descriptions of RAS’s capabilities, experience, methodologies, market knowledge, or prior work are provided for general informational purposes. Past performance, prior transaction experience, market observations, and illustrative results do not guarantee future performance or outcomes.

The availability, structure, pricing, accounting treatment, regulatory treatment, capital benefit, risk transfer, and financial results of a reinsurance transaction depend on numerous factors, including the circumstances of the ceding company, applicable law and regulation, market conditions, reinsurer appetite, due diligence, negotiations, approvals, contract terms, and future experience.

RAS does not represent or warrant that any particular result described or discussed on the Website can or will be achieved.

5. Accuracy and Timeliness of Information

RAS seeks to provide useful and accurate information, but the Website may contain errors, omissions, or information that becomes outdated. Insurance and reinsurance markets, pricing, laws, regulations, accounting standards, actuarial guidance, and regulatory interpretations may change after content is published.

Unless expressly stated otherwise, content speaks only as of its original publication date. RAS has no obligation to update, revise, or correct Website content and makes no representation or warranty regarding its accuracy, completeness, timeliness, reliability, or suitability for any particular purpose.

Market statistics, industry data, and other information may be obtained or derived from public filings, third-party sources, and RAS analysis. Such information may involve judgments, estimates, classifications, and methodological assumptions. RAS does not independently guarantee the accuracy or completeness of third-party information.

6. Intellectual Property Rights

The Website and its contents, features, and functionality—including text, analyses, reports, presentations, graphics, photographs, images, video, audio, designs, logos, trademarks, service marks, data compilations, and the selection and arrangement of those materials—are owned by RAS or its licensors and are protected by copyright, trademark, and other intellectual property laws.

Subject to these Terms, RAS grants you a limited, revocable, nonexclusive, nontransferable license to access and use the Website for your personal or internal business informational purposes.

Except as expressly permitted by these Terms or with RAS’s prior written consent, you may not:

• Copy, reproduce, modify, adapt, translate, republish, distribute, transmit, display, sell, license, or commercially exploit Website content;
• Remove or alter any copyright, trademark, attribution, or proprietary-rights notice;
• Incorporate Website content into a database, report, publication, product, service, or other commercial offering;
• Create derivative works based on Website content;
• Misrepresent Website content as your own or imply that RAS endorses you, your organization, or any product, service, or transaction; or
• Use RAS’s name, logo, trademarks, service marks, designs, or other brand elements without prior written permission.

You may print or download reasonable portions of the Website for your own personal or internal business reference, provided that you do not modify the materials and retain all applicable copyright and proprietary-rights notices.

7. Permitted and Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms.

You may not:

• Use the Website in violation of any applicable federal, state, local, or international law or regulation;
• Attempt to gain unauthorized access to the Website, its hosting environment, any related systems, or another user’s information;
• Introduce viruses, malware, harmful code, or other technologically harmful material;
• Interfere with or disrupt the Website’s operation, security, availability, or performance;
• Use the Website to impersonate RAS, an RAS representative, another person, or another organization;
• Use information obtained from the Website to send spam, unauthorized advertising, or other unsolicited communications;
• Scrape, harvest, extract, aggregate, or systematically collect Website content or data through automated means;
• Use Website content to train, develop, improve, test, validate, or operate an artificial intelligence or machine-learning model without RAS’s prior written consent; or
• Assist another person or organization in engaging in any prohibited activity.

RAS permits standard search-engine technologies to access and index publicly available Website content in accordance with applicable instructions contained in the Website’s robots.txt file or similar technical protocols. This limited permission does not authorize commercial data extraction, content aggregation, artificial-intelligence training, or any other prohibited use.

8. Trademarks

“Reinsurance Actuarial Solutions,” “RAS,” the RAS logo, and all related names, designs, slogans, and service names are trademarks or service marks of RAS or its licensors.

You may not use these marks without RAS’s prior written permission. Other names, logos, product names, and service names appearing on the Website may be trademarks of their respective owners. References to third-party trademarks do not imply sponsorship, endorsement, or affiliation unless expressly stated.

9. Third-Party Content and Links

The Website may contain links to third-party websites, reports, publications, presentations, podcasts, data sources, or other resources. These links are provided solely for convenience and informational purposes.

RAS does not control and is not responsible for third-party content, availability, security, privacy practices, accuracy, or services. Inclusion of a link does not necessarily constitute RAS’s endorsement of the third party or its views, products, or services.

Your use of a third-party website or resource is governed by the third party’s own terms and policies and is at your own risk.

10. Communications with RAS

If you contact RAS through the Website, by email, or through another electronic method, you consent to receiving a response through the contact information you provide.

You represent that information submitted to RAS is accurate, that you are authorized to provide it, and that doing so does not violate any law, contractual obligation, confidentiality obligation, or third-party right.

Electronic communications and Website submissions may not be secure. You should not use the Website to submit confidential or sensitive information unless RAS has expressly authorized you to do so and appropriate safeguards are in place.

11. Privacy and Website Data

RAS does not use the Website to collect personal information through contact forms, user accounts, subscriptions, or online transactions. If you contact RAS by email or telephone, RAS may use the information you voluntarily provide to respond to your communication, evaluate a potential business relationship, maintain appropriate business records, and comply with applicable legal, regulatory, and professional obligations.

The Website and its hosting or security providers may automatically process limited technical information, such as Internet Protocol addresses, browser and device information, access dates and times, requested pages, and server logs. This information may be used solely to operate, maintain, secure, troubleshoot, and improve the Website.

RAS does not sell personal information, use Website information for targeted advertising, or knowingly permit third parties to collect personal information through the Website for their own advertising purposes.

Email and telephone communications may not be secure. You should not provide confidential, proprietary, privileged, personally identifiable, health-related, or transaction-sensitive information unless RAS has agreed in advance to receive it under appropriate confidentiality and security arrangements.

12. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ALL CONTENT, MATERIALS, AND INFORMATION AVAILABLE THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

RAS DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, AND AVAILABILITY.

RAS DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR, THAT DEFECTS WILL BE CORRECTED, THAT THE WEBSITE OR ITS HOSTING ENVIRONMENT WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE WILL MEET YOUR NEEDS OR EXPECTATIONS.

Some jurisdictions do not permit the exclusion of certain warranties. Accordingly, some of the foregoing exclusions may not apply to you.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RAS AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO:

• Your access to, use of, inability to use, or reliance on the Website;
• Any error, omission, inaccuracy, delay, interruption, security incident, or technical failure;
• Any decision or action taken based on Website content;
• Any third-party website, content, service, or resource; or
• Any unauthorized access to or use of information transmitted through the Website.

This limitation applies regardless of the legal theory asserted and even if RAS has been advised of the possibility of such damages.

If RAS is found liable for any claim arising from or relating to the Website and applicable law does not permit the complete exclusion of liability, RAS’s aggregate liability will not exceed one hundred U.S. dollars ($100).

Nothing in these Terms excludes or limits liability to the extent such liability cannot lawfully be excluded or limited.

14. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless RAS and its members, managers, officers, employees, contractors, representatives, affiliates, licensors, and service providers from and against claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

• Your material violation of these Terms;
• Your unlawful or unauthorized use of the Website;
• Information or materials you submit through the Website; or
• Your violation of another person’s or organization’s rights.

RAS reserves the right to assume exclusive control of the defense of any matter subject to indemnification. If it does so, you agree to cooperate reasonably with that defense.

15. Suspension and Termination

RAS may suspend, restrict, or terminate your access to the Website at any time if RAS reasonably believes that you have violated these Terms, created a security or legal risk, interfered with the Website’s operation, or engaged in unlawful or inappropriate conduct.

Termination of access does not affect provisions that, by their nature, should survive termination, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, and governing law.

16. Changes to the Website and These Terms

RAS may change, suspend, withdraw, or discontinue any portion of the Website at any time without notice.

RAS may revise these Terms periodically. Revised Terms become effective when posted on the Website unless a later effective date is stated. The “Last Updated” date at the top of the page indicates when these Terms were most recently revised.

Your continued use of the Website after revised Terms become effective constitutes your acceptance of those Terms.

17. Governing Law and Venue

These Terms and any dispute, claim, or controversy arising out of or relating to the Website or these Terms will be governed by the laws of the State of Florida, without regard to its conflict-of-laws rules.

Subject to applicable jurisdictional requirements, any legal action arising out of or relating to the Website or these Terms must be brought exclusively in the state courts located in St. Johns County, Florida, or the United States District Court for the Middle District of Florida, Jacksonville Division. You and RAS consent to the personal jurisdiction of those courts and waive any objection based on improper venue or inconvenient forum.

18. Waiver and Severability

RAS’s failure to enforce any provision of these Terms does not constitute a waiver of that provision or of RAS’s right to enforce it later.

If any provision of these Terms is held invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

19. Assignment

You may not assign or transfer your rights or obligations under these Terms without RAS’s prior written consent.

RAS may assign or transfer its rights and obligations under these Terms, in whole or in part, in connection with a merger, acquisition, sale of assets, restructuring, change of control, or other business transaction, or by operation of law.

20. Entire Agreement

These Terms constitute the entire agreement between you and RAS concerning your access to and use of the Website and supersede prior or contemporaneous understandings concerning that subject.

These Terms do not modify or supersede any separate written confidentiality, brokerage, intermediary, consulting, advisory, or other professional-services agreement between you or your organization and RAS. If a separate written agreement conflicts with these Terms regarding services performed under that agreement, the separate written agreement will control.

21. Contact Information

Questions or comments concerning the Website or these Terms may be directed to:

Reinsurance Actuarial Solutions LLC
Ponte Vedra, Florida 32081
Telephone: +1 610 547 1810
Email: david@reactuarial.com
Website: https://reactuarial.com/