Terms and Conditions

1. Introduction

Welcome to the Harbor Group USA website located at https://www.harborgroupusa.com/ ("Website").

These Terms and Conditions ("Terms," "Terms and Conditions") govern your access to and use of the Website and any information, content, tools, forms, resources, and services made available through the Website (collectively, the "Services").

By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, please do not use the Website or Services.

2. About Harbor Group USA

Harbor Group USA ("Harbor Group USA," "Harbor Group," "we," "us," or "our") provides information and assistance relating to health plans, healthcare coverage, and related services.

The specific products, plans, coverage options, eligibility requirements, benefits, premiums, costs, limitations, exclusions, and availability may vary depending on the applicable health plan, plan carrier, geographic location, eligibility requirements, and applicable law.

Nothing on this Website should be interpreted as a guarantee that any particular health plan or healthcare coverage will be available or that any individual will qualify for a particular plan or benefit.

3. Eligibility to Use the Website

You must have the legal capacity to enter into agreements under applicable law to use the Website and Services.

By using the Website, you represent that:

• The information you provide is accurate and truthful to the best of your knowledge.
• You will update information when reasonably necessary to keep it accurate.
• You will use the Website only for lawful purposes.
• You will not use the Website in a manner that violates applicable federal, state, or local law.
• You will not interfere with the operation, security, or availability of the Website.

4. Health Plan and Healthcare Coverage Information

Information provided through the Website may relate to health plans, healthcare coverage, benefits, eligibility, enrollment, costs, and related topics.

This information is provided for general informational and service-related purposes.

Actual coverage is determined by the applicable plan documents, policy documents, certificates of coverage, summary plan descriptions, evidence of coverage, or other governing documents issued by the applicable health plan or carrier.

If information presented on the Website differs from the official documents governing a particular plan, the applicable official plan or policy documents will control.

5. No Guarantee of Eligibility or Coverage

Use of the Website or submission of an inquiry does not guarantee:

• Eligibility for a health plan
• Approval for coverage
• Enrollment
• Availability of a particular plan
• A specific premium or cost
• A particular benefit
• Coverage for a particular service
• Acceptance by a health plan or carrier

Eligibility and enrollment are subject to applicable requirements established by the relevant health plan, carrier, government program, or other authorized entity.

6. No Medical Advice

The Website may contain health, wellness, healthcare, or educational information.

Such information is provided for general informational purposes only and is not medical advice, diagnosis, treatment, or a substitute for consultation with a qualified healthcare professional.

Harbor Group USA does not provide medical diagnosis or treatment through the Website.

You should consult an appropriately qualified healthcare professional regarding medical conditions, symptoms, treatments, medications, or other healthcare concerns.

If you believe you are experiencing a medical emergency, contact emergency services or seek immediate medical attention.

7. Quotes, Estimates, and Plan Information

Where the Website provides or facilitates quotes, estimates, plan comparisons, or other coverage information, such information may be subject to change and should not be considered a final offer of coverage unless expressly stated otherwise.

Pricing, premiums, deductibles, copayments, coinsurance, benefits, networks, eligibility requirements, and other plan terms may vary.

Any quote or estimate provided through the Website should be verified with the applicable health plan, plan carrier, licensed agent, broker, or enrollment representative before making a coverage decision.

8. Applications and Enrollment

Submitting information through the Website does not necessarily constitute an application for coverage or enrollment in a health plan.

Where an application or enrollment process is available, additional terms, disclosures, authorizations, eligibility requirements, and verification procedures may apply.

You are responsible for providing accurate and complete information.

Providing false, incomplete, misleading, or fraudulent information may result in denial of an application, cancellation of coverage, termination of services, or other consequences permitted by applicable law.

9. Communications and Contact

By submitting your contact information through the Website, you authorize Harbor Group USA and its authorized representatives, where legally permitted, to contact you regarding your inquiry, requested information, health-plan options, healthcare coverage, enrollment, or related services.

Communications may occur through:

• Telephone calls
• Email
• Text messages
• Other electronic communications

Where required by applicable law, appropriate consent will be obtained before marketing communications or certain automated calls or text messages are made.

You may opt out of marketing communications at any time using the available unsubscribe or opt-out mechanism.

Opting out of marketing communications does not necessarily prevent necessary service-related, transactional, legal, or administrative communications.

10. Telephone and Call Recording

To the extent permitted by applicable law, telephone calls with Harbor Group USA or its representatives may be monitored or recorded for purposes including:

• Quality assurance
• Training
• Customer service
• Compliance
• Security
• Documentation

Where applicable law requires notice or consent for recording, Harbor Group USA will provide the required notice or obtain the required consent.

11. User Information

You agree to provide accurate and complete information when submitting forms or communicating with Harbor Group USA.

You should not submit unnecessary sensitive information through general-purpose Website forms.

For your protection, do not submit passwords, complete payment-card information, medical records, Social Security numbers, or other highly sensitive information through an ordinary contact form unless the Website specifically requests such information through an appropriate secure process.

The collection and use of personal information are governed by our Privacy Policy.

12. Privacy

Your use of the Website is also subject to our Privacy Policy, which explains how Harbor Group USA collects, uses, protects, and discloses personal information.

By using the Website, you acknowledge that you have reviewed the Privacy Policy.

13. Third-Party Services and Providers

Harbor Group USA may use third-party providers to support Website operations and requested Services. These may include:

• Health plans
• Plan carriers
• Enrollment platforms
• Licensed agents and brokers
• Technology providers
• Communications providers
• Payment processors
• Analytics providers
• Hosting providers
• Customer relationship management systems
• Other service providers

Third parties may have their own terms, privacy policies, and regulatory requirements.

Harbor Group USA is not responsible for the independent acts, omissions, policies, or practices of third parties to the extent permitted by applicable law.

14. Third-Party Websites and Links

The Website may contain links to websites operated by third parties. These links may be provided for convenience or informational purposes.

Harbor Group USA does not control third-party websites and does not necessarily endorse their content, products, services, policies, or practices.

Your use of a third-party website is subject to that website's applicable terms and privacy policies.

15. Website Content and Intellectual Property

Unless otherwise stated, the Website and its contents, including:

• Text
• Articles
• Graphics
• Logos
• Images
• Designs
• Software
• Layout
• Videos
• Audio
• Forms
• Data
• Other materials

are owned by or licensed to Harbor Group USA and may be protected by applicable intellectual property laws.

You may access and use Website content for your personal, non-commercial purposes and for evaluating or obtaining the Services.

You may not, without prior written permission:

• Copy substantial portions of the Website
• Reproduce Website content for commercial purposes
• Modify or create derivative works
• Republish Website materials
• Sell or redistribute Website content
• Use Harbor Group USA trademarks or branding without authorization
• Scrape or systematically collect Website data
• Use Website content to create a competing service

16. Prohibited Activities

You agree not to:

• Use the Website for unlawful purposes
• Attempt to gain unauthorized access to systems or accounts
• Circumvent security measures
• Introduce malicious code, malware, or harmful software
• Interfere with Website operations
• Conduct automated scraping or excessive data collection
• Impersonate another person or entity
• Submit fraudulent or misleading information
• Use the Website to violate another person's rights
• Attempt to access information belonging to another user
• Use the Website to facilitate fraud or unauthorized transactions
• Reverse engineer Website technology except where expressly permitted by law

Harbor Group USA reserves the right to restrict or terminate access to the Website where it reasonably believes that these Terms or applicable law have been violated.

17. User Submissions

If you voluntarily submit comments, feedback, questions, suggestions, or other content through the Website, you represent that you have the right to submit that content.

You should not submit confidential medical information, financial information, trade secrets, or other sensitive information unless specifically requested through an appropriate secure process.

Harbor Group USA may use non-confidential feedback and suggestions to improve its Website and Services, subject to applicable law and our Privacy Policy.

18. Employment and Internship Inquiries

Harbor Group USA may provide information regarding employment, internship, or career opportunities.

Submitting an application or inquiry does not guarantee an interview, internship, employment, or other engagement. Applicants are responsible for providing accurate information.

Any employment or internship relationship, if offered, will be governed by applicable employment documents, policies, and law.

Harbor Group USA may conduct background checks or other screening processes where legally permitted and appropriately disclosed.

19. Availability of the Website

We attempt to keep the Website available and operational; however, we do not guarantee that the Website will always be:

• Available
• Uninterrupted
• Error-free
• Secure
• Free from viruses or other harmful components
• Accurate or complete

The Website may occasionally be unavailable because of maintenance, upgrades, technical problems, security incidents, service-provider issues, or circumstances beyond our reasonable control.

20. Changes to the Website and Services

Harbor Group USA may modify, update, suspend, or discontinue any portion of the Website or Services at any time.

We may also change, add, or remove features, content, functionality, or service offerings.

We are not required to maintain any particular Website feature indefinitely.

21. Disclaimers

To the maximum extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis.

Harbor Group USA makes no warranties, express or implied, regarding the Website or its content, including warranties of:

• Accuracy
• Completeness
• Reliability
• Availability
• Fitness for a particular purpose
• Non-infringement
• Merchantability
• Security

Nothing in these Terms excludes or limits any warranty or consumer right that cannot legally be excluded or limited under applicable law.

22. Limitation of Liability

To the maximum extent permitted by applicable law, Harbor Group USA and its officers, directors, employees, agents, affiliates, contractors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of, or inability to use, the Website or Services. This may include loss of:

• Profits
• Revenue
• Business opportunities
• Data
• Goodwill
• Anticipated savings
• Business interruption

To the maximum extent permitted by applicable law, Harbor Group USA's total liability arising out of or relating to the Website or Services will be limited to the amount, if any, you paid directly to Harbor Group USA for the specific Service giving rise to the claim during the applicable period preceding the event giving rise to the claim.

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot legally be excluded or limited.

23. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Harbor Group USA and its officers, directors, employees, agents, affiliates, contractors, and service providers from claims, liabilities, damages, losses, costs, and expenses arising from:

• Your violation of these Terms
• Your unlawful use of the Website
• Your violation of another person's rights
• Your submission of fraudulent or misleading information
• Your misuse of the Website or Services

This provision does not require you to indemnify Harbor Group USA for matters caused by Harbor Group USA's own unlawful conduct where such indemnification is prohibited by applicable law.

24. Regulatory Compliance

Harbor Group USA seeks to operate its Services in accordance with applicable federal and state laws and regulations.

Healthcare coverage and health-plan services may be subject to regulatory requirements that vary depending on the applicable plan, product, state, carrier, and service.

Nothing in these Terms is intended to waive or limit rights or protections provided to consumers under applicable law.

25. Governing Law

These Terms are governed by the applicable laws of the United States and the State of Florida, without regard to conflict-of-law principles, except to the extent that applicable federal or state law requires otherwise.

Nothing in this provision prevents a consumer from exercising rights or pursuing remedies that cannot legally be waived under applicable law.

26. Dispute Resolution

Before initiating formal legal proceedings, the parties should make reasonable efforts to resolve disputes informally by contacting Harbor Group USA at the address or email provided below.

Nothing in this section limits any rights or remedies that cannot legally be waived, including rights available under applicable consumer-protection or healthcare laws.

27. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it enforceable, where legally permitted.

The remaining provisions will remain in full force and effect.

28. Waiver

A failure by Harbor Group USA to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision or any other provision in the future.

29. Entire Agreement

These Terms, together with the Privacy Policy and any other policies or agreements expressly incorporated by reference, constitute the agreement governing your use of the Website, except where additional terms apply to a specific service or transaction.

30. Changes to These Terms

Harbor Group USA may update these Terms from time to time to reflect changes in:

• Our Services
• Website functionality
• Business practices
• Legal requirements
• Regulatory requirements
• Security requirements

When changes are made, the updated Terms will be posted on the Website and the "Last Updated" date will be revised.

Where required by law, we may provide additional notice of material changes.

Your continued use of the Website after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

31. Contact Information

If you have questions or concerns regarding these Terms and Conditions, the Website, our Services, or regulatory compliance, please contact us: