Terms and Conditions

Fabiah.com and Risk Agencies LLC, reserves the right to amend the information on this website at any time and without prior notice. The Terms and Conditions may be amended at any time by Fabiah.com, a Risk Agencies website, and we will provide notice of such amendments by posting the changes on the website.


By using this site you acknowledge that our principal means of communication is via email and therefore it is important that you to ensure that we have your current email address. All notices sent, will be deemed delivered at the time of sending it. It is every customer's responsibility to inform Fabiah.com, a Risk Agencies website, if there is any change to this address.

Changes to premiums

We reserve the right to change the premium charged for a policy at any time without notice. This does not affect customers who have already purchased a policy.


Payment is by credit or debit card and is required at the time you purchase the policy. Fabiah.com and Risk Agencies LLC, may, at its sole discretion, cease to provide service or payment to certain users. Additionally, we cannot guarantee that all credit cards providers will be accepted. Fabiah.com and Risk Agencies LLC reserve the right to refuse service to any customer, for any reason, without explanation.

Disclaimer and Limitation of Liability

Fabiah.com and Risk Agencies LLC, will not have any liability for any loss or damage, without limitation, that are alleged to have resulted from the Fabiah.com website or its content, including but not limited to, delays or interruptions in service or communication, a customer's or any other person's misuse of the site and its content, and any errors or omissions in content. We accept no liability out of the use neither of this web site nor of any links that are provided to any third party site. None of the information provided on this website is intended to be used as financial advice or any other advice.

Fabiah.com and Risk Agencies LLC, may at any time require the customer to provide documentation to confirm their identity at any time and at Fabiah's sole discretion. The use of proxy servers, except for those assigned by ISPs for normal use is strictly forbidden. This rule also applies to, but is not limited to, anonymous website proxies and any other means to hide your identity.

Third Party Services

Fabiah.com and Risk Agencies LLC accept no responsibility for any goods or services referred to on its website not under its control. Fabiah.com, a Risk Agencies website, makes no warranties or representations for these services. The customer indemnifies Fabiah.com and Risk Agencies LLC for any loss or damage arising from the use of these goods or services from any third party.

Use of Material from this Site

This website (including all of its contents) is our property and is protected by copyright, trademark, and other laws of the United States and other countries. We authorize you to browse through the website and print and download copies of material on the website for the limited purpose of doing business with us, and so long as you do not remove any copyright or other notices that appear on the material you print or download. You agree that you will not otherwise copy, display, or transmit any material on the website in any manner or medium.

“AS IS” Use

The materials on our website are provided “AS IS” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus, and warranties arising from course of dealing or course of performance. We do not represent or warrant that the functions contained in the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes the website available is free of viruses or other harmful components. We do not make any warranties or representations regarding the use of the materials in the website in terms of their completeness, correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. You are responsible for the entire cost of any damage to your computer system or loss of data.