Agreement to These Terms
These Terms & Conditions (“Terms”) govern your access to and use of capitalharbor.net and related website features provided by Capital Harbor Insurance Group LLC (“Capital Harbor,” “we,” “us,” or “our”). By using the website or submitting a request, you agree to these Terms and our Privacy Policy.
If you do not agree, do not use the website. Additional agreements and policy terms may apply to insurance products or services you purchase.
Insurance Information Only
Website content is provided for general informational purposes and does not constitute legal, tax, financial, or insurance advice. Descriptions of coverage are summaries only and do not amend, extend, or replace the terms, conditions, limits, exclusions, or endorsements of any insurance policy.
Insurance coverage cannot be bound, issued, changed, renewed, or canceled through this website or by submitting the quote form. Coverage is effective only after confirmation from an authorized licensed representative or insurance carrier and satisfaction of all applicable underwriting and payment requirements.
Quote Requests
Submitting information does not guarantee that a quote, policy, price, or particular coverage will be available. Any estimate is subject to verification, carrier underwriting, eligibility requirements, final application information, policy terms, and applicable law.
You agree to provide accurate, current, and complete information. You are responsible for reviewing applications, proposals, binders, declarations, and policy documents for accuracy and promptly reporting any errors or requested changes to an authorized representative.
Communications
By submitting a quote or contact request, you authorize Capital Harbor and its representatives to respond using the email address or telephone number you provide regarding that request. Submission of the form does not enroll you in recurring marketing text messages.
Email and website communications may not be reviewed immediately. Do not use the website or email to report a claim, request emergency assistance, or make time-sensitive changes to coverage. Call the appropriate carrier, emergency service, or licensed representative directly.
Permitted Use
You agree not to:
- Use the website for unlawful, fraudulent, or abusive purposes.
- Submit false information or impersonate another person or organization.
- Probe, disrupt, bypass, or interfere with website security or availability.
- Use automated means to scrape, copy, overload, or access the website without permission.
- Introduce malicious code or attempt unauthorized access to systems or data.
We may restrict or terminate access when we reasonably believe misuse has occurred.
Intellectual Property
The website, branding, beacon logo, text, graphics, layout, and other original materials are owned by or licensed to Capital Harbor and are protected by applicable intellectual property laws. You may use the website for personal, noncommercial purposes related to evaluating or requesting our services. No other rights are granted without written permission.
Third-Party Services and Links
The website may rely on or link to third-party services, including insurance carriers and technology providers. We do not control and are not responsible for third-party content, availability, security, products, or privacy practices. Your use of third-party services may be governed by separate terms.
Disclaimer of Warranties
To the fullest extent permitted by law, the website is provided “as is” and “as available.” Capital Harbor disclaims warranties of any kind, express or implied, including warranties of accuracy, availability, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free from harmful components.
Limitation of Liability
To the fullest extent permitted by law, Capital Harbor and its members, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, loss of profits, loss of data, or damages resulting from reliance on website content, inability to use the website, or unauthorized access to information.
Nothing in these Terms limits liability that cannot lawfully be limited or excluded.
Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Capital Harbor and its representatives from claims, liabilities, damages, and reasonable expenses arising from your unlawful use of the website, violation of these Terms, or infringement of another person’s rights.
Governing Law
Unless applicable law requires otherwise, these Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles. Any permitted legal action relating to the website will be brought in a court of competent jurisdiction in Georgia.
Changes and Severability
We may update these Terms periodically. Continued use after updated Terms are posted constitutes acceptance of the revised Terms. If any provision is found unenforceable, the remaining provisions will remain in effect.
Contact Us
Questions about these Terms may be directed to Capital Harbor Insurance Group LLC at Email protected or 404.606.3685.