Terms of Service
1. Acceptance of Terms
By accessing or using the website stoneharborinsurance.io (the 'Site'), you agree to be bound by these Terms of Service ('Terms') and our Privacy Policy. If you do not agree to these Terms, please do not use the Site. Stone Harbor Insurance Agency LLC ('Stone Harbor Insurance,' 'we,' 'us,' 'our') reserves the right to update these Terms at any time. Your continued use of the Site following any changes constitutes acceptance of those changes.
2. Nature of Services — Important Disclaimer
Stone Harbor Insurance Agency LLC is a licensed insurance agency. We provide insurance guidance, plan comparisons, and enrollment assistance. We are NOT a lender, financial institution, debt settlement company, or credit repair service. We do not guarantee coverage approval or specific rates.
The information provided on this Site is for general informational purposes only and should not be construed as insurance advice tailored to your individual circumstances. Always consult with a licensed insurance professional before making insurance decisions.
Stone Harbor Insurance Agency LLC is licensed to sell and solicit insurance in Florida and 47 additional states. We connect consumers with insurance carriers and licensed agents but do not underwrite insurance policies.
3. Use of the Site
Permitted Use
You may use this Site for lawful purposes to obtain information about insurance products, request quotes, and contact our agents. You agree to use the Site only in ways that comply with applicable laws and regulations.
Prohibited Conduct
You agree not to:
- Use the Site for any unlawful purpose
- Submit false, misleading, or fraudulent information
- Interfere with or disrupt the Site's operation or security
- Attempt to gain unauthorized access to any portion of the Site
- Use automated tools to scrape, crawl, or extract data from the Site
- Impersonate any person or entity
4. Information Accuracy
We strive to provide accurate and current information about insurance products. However, insurance plans, rates, benefits, and availability change frequently and vary by carrier, location, and individual circumstances. We make no warranty that information on this Site is complete, current, or applicable to your specific situation. Always verify coverage details directly with the insurance carrier.
5. No Insurance Coverage Created
Visiting this Site, submitting a form, or communicating with our agents does not create, modify, or guarantee any insurance coverage. Coverage is only effective when a policy is issued by a licensed insurance carrier and all applicable terms and conditions are met.
6. Privacy and SMS Communications
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By submitting your phone number and consenting to SMS communications, you agree to the SMS terms detailed in our Privacy Policy. SMS consent is entirely optional and is not required to receive our services.
7. Third-Party Carriers and Services
Stone Harbor Insurance Agency LLC works with multiple licensed insurance carriers. These carriers are independent entities with their own terms, conditions, and privacy policies. We are not responsible for the actions, policies, or practices of any insurance carrier. Your relationship with any carrier is governed by the carrier's policy documents and applicable law.
8. Intellectual Property
All content on this Site — including text, graphics, logos, images, and software — is the property of Stone Harbor Insurance Agency LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without our express written permission.
9. Limitation of Liability
To the maximum extent permitted by applicable law, Stone Harbor Insurance Agency LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or our services, even if we have been advised of the possibility of such damages.
Our total liability for any claim arising from use of the Site shall not exceed one hundred dollars ($100.00).
10. Indemnification
You agree to indemnify and hold harmless Stone Harbor Insurance Agency LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of another party.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in Broward County, Florida.
12. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
13. Contact Information
For questions about these Terms, please contact us:
Stone Harbor Insurance Agency LLC
Phone: (855) 267-7633
Email: info@stoneharborinsurance.io