The information, guidance, checklists, playbooks, tools, templates, links, references, recommendations, and resources made available through eRiskHub® are provided for general informational and educational purposes only. They are intended to help users understand common cybersecurity, privacy, fraud, identity, operational, and other risk-related scenarios and identify practical response considerations, but they do not constitute legal advice, insurance advice, financial advice, regulatory advice, cybersecurity consulting, investigative services,  or any other professional, technical, compliance, forensic, or advisory service.

Use of these materials does not create an attorney-client, consultant-client, fiduciary, agency, partnership, joint venture, or other professional or confidential relationship between the user and NetDiligence®, eRiskHub®, or any of their affiliates, employees, partners, licensors, content providers, service providers, carriers, brokers, vendors, or third-party participants. Users should consult qualified legal counsel, insurance professionals, financial institutions, law enforcement, incident response providers,  cybersecurity professionals, forensic investigators, privacy professionals, or other qualified advisors regarding their specific facts and circumstances.

Neither NetDiligence nor eRiskHub represents that it is licensed, certified, or authorized to provide - nor does it possess or maintain State or Federal licensure governing - any functions/tasks within the aforementioned areas of professional activity.

While reasonable efforts may be made to keep these materials accurate, useful, and current, cyber threats, laws, regulations, platform procedures, best practices, technologies, threat actor tactics, vendor capabilities, and regulatory interpretations change frequently. Accordingly, NetDiligence®, eRiskHub®, and their affiliates make no representations or warranties, express or implied, regarding the accuracy, completeness, timeliness, reliability, suitability, availability, security, performance, or fitness for a particular purpose of any content, service, recommendation, or material made available through eRiskHub®. Any reliance on such materials is solely at the user’s own risk.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NetDiligence®, eRiskHub®, and their affiliates, officers, directors, employees, contractors, licensors, content providers, service providers, and partners disclaim all liability for any loss, damage, claim, cost, or expense of any kind, whether direct, indirect, incidental, consequential, special, exemplary,  punitive, statutory, regulatory, or otherwise, arising out of or relating to the use of, inability to use, or reliance on, these materials, including but not limited to business interruption, lost profits, data loss, reputational harm, regulatory penalties, or third-party claims.

The materials provided through eRiskHub® are not a substitute for promptly contacting the relevant service provider, financial institution, online platform, mobile carrier, insurer, breach response resource, emergency service, or law enforcement authority where appropriate. If you believe you are experiencing an active cyber incident, fraud event, identity theft issue, or other urgent matter, you should take immediate action based on your specific situation and seek qualified professional assistance without delay.

eRiskHub® may contain links to or integrations with third-party websites, vendors, products, services, or resources. NetDiligence® and eRiskHub® do not control and are not responsible for the availability, accuracy, legality, security, or content of any third-party resources, nor does inclusion imply endorsement or recommendation unless expressly stated otherwise.

Certain services, offers, discounts, insurance benefits, vendor relationships, or response resources referenced within eRiskHub® may not be available in all jurisdictions, under all insurance policies, or to all users. Eligibility, availability, and terms are subject to applicable agreements, underwriting requirements, and provider limitations.

Users are solely responsible for evaluating and determining the appropriateness of any action, vendor, product, recommendation, or response strategy referenced through eRiskHub® based on their own operational, legal, regulatory, technical, and risk-management requirements.