Terms of Service

By accessing or using the website located at www.goldharborgroup.com (the "Site") or any services offered by Gold Harbor Group ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

These Terms apply to all visitors, users, and others who access or use the Site. Your continued use of the Site following any changes to these Terms constitutes acceptance of those changes.

Gold Harbor Group is an independent insurance agency offering the following services:

• Life Insurance (Term Life, Whole Life, and related products)
• Health Insurance (on- and off-Marketplace, under age 65)
• Medicare Advantage, Medicare Supplements, and Part D plans
• Ancillary insurance products
• Insurance consultations, quotes, and enrollment assistance

We act as an independent agent and may represent multiple insurance carriers. We do not manufacture, underwrite, or administer insurance products. All insurance products are subject to the terms and conditions of the applicable carrier.

Our Site and services are intended for individuals who are 18 years of age or older and reside in the United States. By using our Site, you represent and warrant that you meet these requirements. We do not knowingly collect information from or market to individuals under the age of 18.

Nothing on this Site should be construed as a recommendation to purchase or enroll in any specific insurance plan. Individual insurance needs vary significantly. You should consult with a licensed insurance professional — including our agents — before making any insurance decisions.

Gold Harbor Group is licensed to sell insurance in applicable states. Licensure does not imply any endorsement or recommendation by any state agency.

Medicare Disclosure: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information on all of your options. This site is not associated with, endorsed by, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare and Medicaid Services.

By providing your mobile phone number and opting in to receive SMS communications from Gold Harbor Group, you agree to receive text messages related to insurance services, appointment reminders, and promotional content.

• You may opt out at any time by replying STOP to any message.
• Reply HELP for assistance.
• Message and data rates may apply.
• Message frequency varies — up to 8 marketing messages per month.
• Consent to receive SMS is not a condition of purchasing any product or service.

For full details on our SMS practices, please refer to our Privacy Policy.

When using our Site and services, you agree to:

• Provide accurate, current, and complete information when submitting forms or communicating with our team
• Not use the Site for any unlawful purpose or in violation of any applicable regulations
• Not attempt to gain unauthorized access to any portion of the Site or its related systems
• Not transmit any viruses, malware, or other harmful code
• Not scrape, harvest, or collect data from the Site without our written consent
• Not impersonate any person or entity or misrepresent your affiliation with any person or entity

We reserve the right to terminate access to our Site or services for any user who violates these responsibilities.

All content on this Site — including but not limited to text, graphics, logos, images, and software — is the property of Gold Harbor Group or its content suppliers and is protected by applicable intellectual property laws.

You may view and print pages from the Site for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Site without our prior written permission.

Our Site may contain links to third-party websites, including insurance carrier portals (e.g., HealthSherpa, Spark Advisors) and scheduling tools. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

The inclusion of any link does not imply our endorsement of the linked site. We encourage you to review the privacy policies and terms of service of any third-party sites you visit.

THE SITE AND ALL CONTENT, PRODUCTS, AND SERVICES AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, GOLD HARBOR GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, GOLD HARBOR GROUP AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

You agree to indemnify, defend, and hold harmless Gold Harbor Group and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or services; (b) your violation of these Terms; or (c) your violation of any third-party rights.

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Travis County, Texas for the resolution of any disputes arising from these Terms or your use of the Site.

Before pursuing formal legal action, you agree to first contact us in good faith to attempt to resolve any dispute informally. Most concerns can be resolved quickly by contacting us at [email protected].

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

If you have any questions about these Terms of Service, please contact us: