Who we are

This website, https://realrisktalk.com, is owned and operated by a licensed insurance producer serving South Carolina, North Carolina, and Georgia. All opinions, advice, and educational materials presented on this website reflect personal expertise and are intended to educate and empower readers.

This site is independently created for informational purposes and is not affiliated with, endorsed by, or officially representing any specific insurance company, agency, or brokerage.

General Information Disclaimer

The information provided on this website is for general educational and informational purposes only. It is not intended as legal, financial, or insurance advice and should not be considered a substitute for personalized consultation with a licensed insurance producer in your state. Readers are encouraged to speak with a licensed agent in their own state to ensure they receive coverage recommendations that align with state-specific laws and individual needs.

If you reside in South Carolina, North Carolina, or Georgia, you are invited to contact me directly for personalized insurance support.

This site operates independently and is not affiliated with, endorsed by, or operated by any insurance agency, brokerage, or company. Brand names, when referenced, are used only for identification or educational purposes and do not imply any official partnership or representation.

Contact and Interaction Disclaimer

Submitting a contact form, requesting a quote, or communicating through this website does not bind coverage, create a policy, or guarantee insurance protection. Insurance coverage is only effective upon acceptance and confirmation by a licensed insurance carrier, subject to their terms and underwriting approval. All interactions through this site are intended for general informational purposes and initial contact only.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Data Sharing

If you request a password reset, your IP address will be included in the reset email.

Data Retention

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

Your Rights Over Your Data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.

Affiliate & Sponsored Content Disclosure

Some posts may contain affiliate links. This means I may receive a small commission if you make a purchase through the link, at no extra cost to you. Sponsored content will always be clearly identified.

No Liability Statement

While every effort is made to provide accurate and timely information, I make no guarantees and assume no liability for errors, outdated information, or outcomes resulting from the use of this site. Always verify policy details and coverage specifics with a licensed agent in your state.

AI Chatbot Disclosure – RiskBot

RiskBot is an AI-powered assistant designed solely to offer general, educational information about insurance-related topics. It is not a licensed insurance agent, attorney, or financial advisor and cannot provide legal, financial, or personalized insurance advice.

The information provided by RiskBot should not be relied upon as a substitute for professional consultation with a licensed insurance producer in your state. Insurance regulations and laws vary by state and may change over time.

By using RiskBot, you acknowledge and agree that:

  • The chatbot is an automated tool and not a human representative
  • Any actions or decisions you take based on RiskBot’s responses are your own responsibility
  • We do not warrant the accuracy, completeness, or reliability of the information provided by RiskBot
  • We assume no liability for any damages, losses, or claims arising from the use of RiskBot or the information it provides

If you reside in South Carolina, North Carolina, or Georgia and would like help from a licensed insurance professional, you are encouraged to contact me directly. For all other users, please consult a licensed producer in your state.