| Insurance and Financial Services Terms and Conditions: |
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Information available through this Site is not intend to be used as the sole basis for any investment or insurance decision, nor should it be construed as advice designed to meet the particular needs of an individual investor or purchaser of insurance. As with all insurance and financial matters, you should exercise great care in using the information provided on this web Site or available through links from this website. You should research the facts and opinions contained in this information, including speaking to your Insurance and Financial professional, before making any financial decisions.
Nothing in the Site constitutes insurance or investment
advice. The Site provides for convenience and information
only. The Site content that may be referenced or described
does not constitute an offer or solicitations to sell or
buy any insurance or security product. Account information
available on this website is not the official record of
your account. Nothing on this website should be construed
as rendering financial, investment, retirement planning,
insurance, legal, accounting, or tax advice. The posting
of any prospectus or any other information on this website
should not be interpreted as a recommendation or opinion
that you should make any purchase or sale or participate
in any transaction, it is posted for informational purposes
only. Please seek the advice of a financial or other professional,
as appropriate, regarding the evaluation of any specific
information, opinion, advice, or other content.
In addition, No insurance or security will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction. No such insurance or security product is offered or will be sold in any jurisdiction by an entity, which is not properly licensed to do so in such jurisdiction.
The precise insurance coverage under any of product is subject to the terms, conditions and exclusions in the actual policies as issued. Products and Services described in this Site vary from state to state and not all products, coverages or services are available in all states in which Horizon Coast Insurance and Financial Services, LLC operate.
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Quote Information and Restrictions:
Any quote provided on this Site is NOT a contract, binder or agreement to extend insurance coverage. The coverage information in quotes is based on the most common coverage selected by our customers, and actual coverage available may vary based on the laws of each state.
If a policy is issued to you, the premium will be based on the information, rates and rules in effect at that time for the issuing insurance company affiliate. Quotes are based on the information provided by you, and all information is subject to verification. If any information you provided is inaccurate, incomplete, or additional information is discovered, the quoted rate will be invalid and a new rate may apply. To obtain coverage, you must submit an application to a qualified insurance representative and a policy must be issued to you.
Horizon Coast Insurance and Financial Services, LLC is committed to notifying people applying for insurance, about our information practices and our use of credit-based insurance scores. Most of the information use in underwriting comes from you on the insurance application. In regular underwriting procedure and in servicing your policy, Horizon Coast Insurance and Financial Services, LLC, may also collect personal information about you from others. We may request information from consumer reporting agencies, which include items such as your driving record, claims history,
credit history and other demographic data. A credit report may be requested in connection with your application for insurance and underwriting of your insurance, and credit-based insurance scoring may be used to determine your eligibility for insurance or the premium to be charged to you. In certain situations, Horizon Coast Insurance and Financial Services, LLC may disclose this information, as well as other personal or privileged information about you, to third parties without your consent. For example, to conduct business, Horizon Coast Insurance and Financial Services, LLC may share some information about you with insurance agents and their staff, and with other insurance companies with whom you have or have had insurance policies. We may also share information, as allowed by law, and as necessary to process transactions and service policies for you. A right of access and correction exists as to personal information Horizon Coast Insurance and Financial Services, LLC may collect. If you are interested in more detail, please read our Privacy Policy. |
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Fees and Commissions:
As is common practice in the industry, Horizon Coast Insurance and Financial Services, LLC has entered into arrangements with certain insurance carriers and wholesale brokers providing for compensation, in addition to commissions, to be paid to Horizon Coast Insurance and Financial Services, LLC based on several factors, including the volume of premium and/or underwriting profitability of the insurance coverage written through our firm by those carriers. The insurance coverage you purchase through Horizon Coast Insurance and Financial Services, LLC may be issued by an insurance carrier who has such an agreement with our firm.
In addition to the fees and/or commissions retained by Horizon Coast Insurance and Financial Services, LLC, it is understood and agreed that other parties, such as excess and surplus lines brokers, wholesalers, underwriting managers, and similar parties, may earn and retain usual and customary commissions and/or fees in the course of providing insurance products. |
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