Terms of Service By accessing the PointZero Risk Intelligence website, you agree to the following: This site is for informational purposes only PointZero Risk Intelligence provides risk intelligence and consulting services exclusively to organizations using Biometrica technologies. Insurance decisions, underwriting, and premium determinations are ultimately at the discretion of insurers. Information presented on this site does not constitute an insurance offer, guarantee, or contract. PointZero Risk Intelligence does not offer or sell insurance directly.