Effective Date: January 1, 2025

Last Updated: January 14, 2025

Welcome to Ocean Falls Insurance Services. By accessing or using our website and services, you agree to be bound by these Terms of Service.

1. Services

Ocean Falls Insurance Services is a licensed insurance brokerage providing insurance products and risk management services. We act as an intermediary between you and insurance carriers.

2. Use of Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You may not:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems
• Transmit any malicious code or interfere with the website's operation
• Use the website to collect information about other users

3. Insurance Quotes and Coverage

Quotes provided through our website or services are estimates based on the information you provide. Final premiums and coverage terms are determined by the insurance carrier and may differ from initial quotes. Coverage is not bound until confirmed in writing by the carrier.

4. Accuracy of Information

You are responsible for providing accurate and complete information when requesting quotes or applying for coverage. Inaccurate or incomplete information may result in denial of coverage or claims.

5. SMS Communications

By opting in to receive SMS messages, you consent to receive text messages from Ocean Falls Insurance Services for appointment reminders, policy notifications, and service-related communications. See our Privacy Policy for details on SMS data handling.

6. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Ocean Falls Insurance Services or its licensors and is protected by copyright and trademark laws.

7. Limitation of Liability

To the fullest extent permitted by law, Ocean Falls Insurance Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

8. Indemnification

You agree to indemnify and hold harmless Ocean Falls Insurance Services from any claims, damages, or expenses arising from your use of our website or violation of these Terms.

9. Governing Law

These Terms are governed by the laws of British Columbia, Canada. Any disputes shall be resolved in the courts of British Columbia.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our website after changes constitutes acceptance of the modified Terms.

11. Contact

For questions about these Terms, contact us at hello@oceanfallsinsurance.com or +1 778-653-8828.