1. Agreement to Terms
By accessing and using the RiverSeaInsurance website and services (“the Platform”), you acknowledge that you have read, understood, and agree to be bound by all terms and conditions herein. If you do not agree with any part of these
terms, you must not use our services.
2. Eligibility and Authority
You represent and warrant that:
- You are at least 18 years of age and capable of entering into legally binding agreements
- You have the legal authority to enter into these terms
- All information provided is accurate, complete, and truthful
- You are not a resident of any country subject to trade sanctions
3. License and Use Restrictions
RiverSeaInsurance grants you a limited, non-exclusive, non-transferable license to access and use our Platform for lawful home insurance–related purposes only. You agree not to:
- Reproduce, duplicate, or copy content without prior written permission
- Reverse engineer, decompile, or attempt to gain unauthorized access
- Use our services for illegal, fraudulent, or harmful activities
- Transmit viruses, malware, or any harmful code
- Interfere with or disrupt the normal operation of our services
- Frame or mirror our website on other platforms
- Use automated tools to crawl, scrape, or extract content
- Access our services through unauthorized third-party tools
4. Insurance Products and Policies
The following terms apply to all home insurance products offered through RiverSeaInsurance:
- All policies are subject to underwriting approval based on your information and health assessment
- Coverage details, exclusions, and limitations are outlined in your policy document
- Premiums are calculated based on information you provide; false or incomplete information may result in policy cancellation or claim denial
- You have a 30-day free look period to review your policy and request cancellation without penalty
- Specific exclusions and conditions apply as detailed in your policy
- Policies are non-transferable between individuals but may be amended for your vehicle or family status changes
- Coverage takes effect only after premium payment and policy activation
5. Premium Payment and Billing
Payment terms are as follows:
- You are responsible for timely payment of all premiums as specified in your policy
- Premiums must be paid by the due date to maintain active coverage
- We accept payment through credit cards, bank transfers, and other methods displayed on our platform
- Non-payment after 30 days may result in automatic policy cancellation
- Late fees and interest charges may apply to overdue payments
- We reserve the right to adjust premiums based on claims history and risk assessment
6. Claims and Dispute Resolution
For all insurance claims:
- You must report incidents within 48 hours of occurrence
- Complete documentation and evidence must be provided as requested
- All claims are subject to investigation and verification
- Claim settlement is based on policy terms, coverage limits, and valid proof of loss
- Fraudulent claims will be denied and may result in policy cancellation
- Disputes will be resolved through arbitration or legal proceedings as applicable
7. Confidentiality and Account Security
You are responsible for maintaining the confidentiality of your account credentials. You agree to:
- Keep your password and login information secure
- Notify us immediately of any unauthorized access or security breach
- Be responsible for all activities conducted through your account
- Not share your account credentials with third parties
8. Disclaimer of Warranties
Our Platform and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind. We disclaim all warranties, express or implied, including:
- Merchantability and fitness for a particular purpose
- Accuracy, reliability, and completeness of information
- Uninterrupted or error-free service
- Security and confidentiality of personal information
9. Limitation of Liability
To the maximum extent permitted by law, RiverSeaInsurance shall not be liable for:
- Indirect, incidental, consequential, or punitive damages
- Loss of profits, revenue, data, or business opportunities
- Service interruptions or failures
- Any damages exceeding the total premiums paid in the preceding 12 months
10. Indemnification
You agree to indemnify, defend, and hold harmless RiverSeaInsurance, its officers, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:
- Your use of our services in violation of these terms
- Your violation of applicable laws or regulations
- Your infringement of third-party rights
- False or fraudulent information you provide
11. Intellectual Property Rights
All content on our Platform, including logos, text, graphics, images, videos, and software, is the exclusive intellectual property of RiverSeaInsurance or its licensors. Unauthorized use, reproduction, or distribution is strictly prohibited.
12. Third-Party Links and Services
Our Platform may contain links to third-party websites and services. RiverSeaInsurance is not responsible for the content, accuracy, security, or practices of external sites. Use of third-party services is at your own risk.
13. Modifications to Terms and Services
RiverSeaInsurance reserves the right to modify these terms and conditions at any time. Changes are effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of the revised terms.
14. Termination of Services
RiverSeaInsurance may terminate your account or services if:
- You violate these terms and conditions
- You engage in fraudulent or illegal activity
- You provide false, misleading, or incomplete information
- You fail to pay premiums within the grace period
- You breach any insurance policy terms
15. Governing Law and Jurisdiction
These terms and conditions are governed by and construed in accordance with the laws of the State of Illinois, United States. Any legal action or proceeding shall be exclusively brought in the state and federal courts located in Illinois.
16. Severability
If any provision of these terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. We will replace the invalid provision with a valid one that achieves the original
intent.
17. Entire Agreement
These terms and conditions, together with our Privacy Policy, constitute the entire agreement between you and RiverSeaInsurance and supersede all prior agreements, understandings, and negotiations.
18. Contact for Legal Matters
For questions, concerns, or to report violations of these terms, please contact:
- Email: [email protected]
- Phone: +1 (904) 750-0621
- Address: 7901 SW 6th Ct, Plantation, FL, 33324
