Effective Date: 03/20/2026
Welcome to the website of CMR Risk & Insurance Services (“CMR,” “we,” “our,” or “us”). By accessing or using our website (www.cmrris.com), you agree to the following Terms and Conditions. If you do not agree, please do not use this site.
1. Use of Website
This website is provided for general informational purposes only. By using this site, you agree to use it lawfully and in a manner that does not infringe the rights of, restrict, or inhibit anyone else’s use of the website.
You agree not to:
- Use the website for fraudulent or unlawful purposes
- Attempt to gain unauthorized access to any portion of the site
- Interfere with the website’s functionality or security
2. No Professional Advice or Coverage Guarantee
The content on this website is provided for general informational purposes only and does not constitute insurance, legal, or financial advice.
Any descriptions of insurance products or coverage are summaries only and are not intended to be a complete representation of policy terms, conditions, or exclusions.
Coverage is subject to the terms, conditions, and exclusions of the actual insurance policy issued.
3. Quotes and Applications
Any request for a quote or submission of information through this website does not constitute:
- A binder of insurance
- A guarantee of coverage
- An agreement to provide insurance services
Coverage is not bound until confirmed in writing by an authorized representative of CMR.
4. Intellectual Property
All content on this website, including text, graphics, logos, icons, images, and design elements, is the property of CMR or its licensors and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or use any content without prior written consent from CMR.
5. Third-Party Links
This website may contain links to third-party websites for your convenience. CMR does not control or endorse these websites and is not responsible for their content, policies, or practices.
6. Limitation of Liability
To the fullest extent permitted by law, CMR shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of this website.
This includes, but is not limited to:
- Errors or omissions in content
- Reliance on information provided
- Interruptions or delays in website availability
7. Disclaimer of Warranties
This website is provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to warranties of accuracy, reliability, or fitness for a particular purpose.
8. Privacy
Your use of this website is also governed by our Privacy Policy. Please review it to understand how we collect and use your information.
9. Governing Law
These Terms and Conditions are governed by the laws of the State of California, without regard to conflict of law principles.
10. Changes to These Terms
CMR reserves the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of the website constitutes acceptance of any changes.
11. Contact Information
If you have any questions about these Terms and Conditions, please contact us:
CMR Risk & Insurance Services
Email: info@cmrris.com
Phone: 619-297-3160
Address: 110 West A Street, Ste. 725, San Diego, CA 92101
By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.