Terms & Conditions

Welcome to Crownstone Insurance Services (“Crownstone,” “we,” “our,” or “us”). By accessing or using this website, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree with any part of these terms, please discontinue use of this website.

1. Website Usage

This website is provided for informational and educational purposes only. By using this website, you agree to use it responsibly and in compliance with all applicable laws and regulations.

You agree not to:

• Use the website for any unlawful, fraudulent, or unauthorized purpose
• Attempt to access restricted systems, data, or website functionality without authorization
• Copy, distribute, reproduce, modify, or republish website content without prior written permission

2. No Insurance Coverage or Contract

Accessing or using this website does not create an insurance policy, binder, contract, or guarantee of coverage. Any insurance coverage is subject to carrier approval, underwriting requirements, policy terms, and the issuance of official policy documents by the applicable insurance carrier.

3. Independent Insurance Agency

Crownstone Insurance Services operates as an independent insurance agency. We do not issue insurance policies, approve claims, or perform underwriting functions. All coverage decisions, underwriting approvals, policy issuance, and claims determinations are made solely by the insurance carrier providing the insurance product.

4. Information & Content Accuracy

We strive to provide accurate and current information; however, Crownstone Insurance Services does not guarantee the completeness, accuracy, reliability, or timeliness of any information contained on this website. Insurance products, coverage options, pricing, and eligibility requirements may change without notice.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, branding, design elements, and other materials, is owned by Crownstone Insurance Services unless otherwise stated. Unauthorized use, reproduction, distribution, or modification of website content is prohibited.

6. Limitation of Liability

Crownstone Insurance Services shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from the use of, reliance upon, or inability to access this website or its content.

7. Third-Party Websites

This website may contain links to third-party websites for convenience or informational purposes. Crownstone Insurance Services does not control or endorse third-party websites and is not responsible for their content, privacy practices, security, or policies.

8. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the United States and applicable state laws, without regard to conflict of law principles.

9. Changes to These Terms

Crownstone Insurance Services reserves the right to modify, update, or revise these Terms & Conditions at any time without prior notice. Continued use of this website after changes are posted constitutes acceptance of the updated Terms & Conditions.