TERMS AND CONDITIONS

Ocean Habor Insurance, its affiliates, and subsidiaries gives you the ability to do more online at on our website (the “Website”). You can use our website for online access to your personal accounts, informational content, our services, our product information, and self-help tools.
Whenever you access/use the website, you are consenting and agreeing to these terms and conditions of use, and any other Agreement on the Website itself (collectively referred to as “Terms and Conditions”). These Terms include any other agreements between you and Ocean Habor Insurance.
Ocean Habor Insurance reserves the right to change or modify the Terms and Conditions at our discretion, at any time without preceding notice to you. Such change or modification shall be effective immediately after posting by Ocean Habor Insurance on this Website. You consent and also agree to be bound by any changes or modification to these Terms and Conditions whenever you use and access the website after any such modification or change.

USE OF TRADEMARKS AND MATERIALS

Ocean Habor Insurance owns and operates the Ocean Habor Insurance Website. Except otherwise specified, all content and material on the Website is Ocean Habor Insurance’s property and registered and protected by United States copyright and other intellectual property laws worldwide by applicable laws and international treaties. Appointed and licensed Ocean Habor Insurance brokers and agents may use and reproduce the content and materials to conduct authorized Ocean Habor Insurance services. You may view, use print or/and download one copy of the material or content from our websites on any computer solely for your own personal, non-commercial and informational, use, if you adhere to all copyright and other proprietary right notices. Subject to the aforementioned, no material or content published or displayed on the Ocean Habor Insurance websites may be reproduced, modified, copied, uploaded, posted, transmitted, distributed, republished, in part or in whole or by any form or means, without exclusive written permission from Ocean Habor Insurance. The use of material and content on any other networked computer environment or website or for any other commercial or marketing purpose is forbidden and such unauthorized use may abuse or violate trademark, copyright, and other intellectual property laws. Use of the Ocean Habor Insurance Websites’ content or material to create edited, modified or other works, or a “framed” version of the Ocean Habor Insurance website is also forbidden without Ocean Habor Insurance’s prior written approval and prior review of such other materials.

OWNERSHIP OF INFORMATION AND MATERIALS
Any information and content aside personal information you post or transmit to any part, area or portion of the Ocean Habor Insurance’s Website, including and not only e-mail comments, suggestions or questions will be (a) treated as non-proprietary and non-confidential, (b) may be used for any purpose, as well as for marketing and product development and (c) will become Ocean Habor Insurance’s property immediately after your transmission or submission.

WARRANTEES DISCLAIMER

ALL MATERIALS, CONTENT AND OTHER INFORMATION PRESENT OR DISPLAYED ON THE WEBSITE (“CONTENT”), INCLUDING, BUT NOT ONLY, SERVICES AND PRODUCTS ARE OFFERED AND PROVIDED ON AN “AS IS” BASIS WITHOUT ANY REPRESENTATION OR WARRANTIES ABOUT THE CONTENT’S OR MATERIAL’S ACCURACY OR NATURE (EITHER AS A RESULT OF THE DURATION OF TIME OR WHEN POSTED) AND WITHOUT ANY GUARANTEES OR REPRESENTATIONS.
WITHOUT LIMITING THE AFOREMENTIONED, OCEAN HABOR INSURANCE DISCLAIMS ALL WARRANTIES OR REPRESENTATIONS, IMPLIED OR EXPRESS, AS WELL AS, BUT NOT ONLY FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, TITLE, ACCURACY OR SECURITY WITH RESPECT TO ANY WEBSITE OR SERVICES CONTROLLED AND OWNED BY A THIRD – PARTY FROM WHICH OR TO WHICH THE WEBSITE IS LINKED (“LINKED WEBSITE OR SERVICES”). OCEAN HABOR INSURANCE DOES NOT APPROVE OR ENDORSE AND WILL NOT BE RESPONSIBLE OR LIABLE FOR THE RELIABILITY OR CAPABILITIES OF ANY SERVICE OR PRODUCT RECEIVED FROM SUCH LINKED WEBSITE.
THE PRODUCTS, SERVICE DESCRIPTIONS, SOFTWARE OR INFORMATION PUBLISHED ON THE SITE OR A LINKED WEB SITE MAY INCLUDE TYPOGRAPHICAL ERRORS OR INACCURACIES. OCEAN HABOR INSURANCE RENOUNCES LIABILITY FOR SUCH ERRORS OR INACCURACIES AND DOES NOT REPRESENT OR WARRANT THAT THE MATERIALS OR CONTENT ON THE WEBSITE OR SERVICE OR A LINKED WEBSITE IS COMPLETE, ACCURATE OR UPDATED. OCEAN HABOR INSURANCE HAS NO RESPONSIBILITY TO UPDATE ANY CONTENT OR MATERIAL ON THE WEBSITE AND MAY IMPROVE OR CHANGE THE WEBSITE AT OUR DISCRETION WITHOUT NOTICE.
FURTHERMORE, OCEAN HABOR INSURANCE DOES NOT ENDORSE OR APPROVE AND NOT RESPONSIBLE FOR THE RELIABILITY OR ACCURACY OF STATEMENT/OPINION OR ADVICE MADE THROUGH THE WEBSITE BY ANY OTHER PARTY OTHER THEN OCEAN HABOR INSURANCE.
OCEAN HABOR INSURANCE MAKES NO WARRANTEES, GUARANTEES OR REPRESENTATIONS THAT THE WEBSITE WILL BE AVAILABLE UNINTERRUPTED AND CONTINUOUSLY OR ERROR FREE.

LIABILITY LIMITATION
IN NO EVENT WILL OCEAN HABOR INSURANCE OR ITS EMPLOYEES, AGENTS, SERVICE PROVIDERS, DIRECTORS AND OFFICERS BE RESPONSIBLE/LIABLE TO YOU FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, AS WELL AS ANY PROFITS LOST, SERVICE COST OR LOST OPPORTUNITY AND GAINS, EVEN WHEN YOU HAVE NOTIFIED OCEAN HABOR INSURANCE ABOUT THE FUTURE POSSIBILITY OF SUCH DAMAGES, IN ANY WAY RELATED OR ARISING THE ACCESS, USE OR MATERIAL OR CONTENT OF THE WEBSITE.

INDEMNIFICATION
YOU ACKNOWLEDGE AND AGREE TO DEFEND, HOLD HARMLESS AND INDEMNIFY, OCEAN HABOR INSURANCE, ITS AFFILIATES, DIRECTORS, OFFICERS, SUBSIDIARIES, CONTENT PROVIDERS, EMPLOYEES AND AGENTS, FROM ANY CLAIM, LIABILITY, DISPUTE, COST, DAMAGE, EXPENSE, LOSS, OR DEMAND, AS WELL AS REASONABLE COSTS OF LITIGATION AND ATTORNEYS’ FEES ARISING FROM, OR IN ANY WAY RELATED TO YOUR USE OR ACCESS TO THE OCEAN HABOR INSURANCE WEBSITES, YOUR USE OF THE CONTENT OR MATERIAL, YOUR LINKING FROM OR TO THE OCEAN HABOR WEBSITES, OR YOUR VIOLATION OR ABUSE OF THESE TERMS AND CONDITIONS.

SEVERABILITY
If any part or portion of this Agreement is not enforceable, the remaining part, portions, and sections of the Agreement will remain in full effect.
NO WAIVER
Failure by Ocean Habor Insurance in any situation, to exercise or carry out any of power and rights under this Agreement will not be interpreted as a waiver of such right.

CONTACTING US
In the case of any inquiry about this Agreement or other issues, kindly contact us through the following addresses:

Florida
Pearl Holding Group
P.O. Box 452799
Sunrise, FL 33345
(954) 587-2299 Ext 203
http://www.pearlholding.comCalifornia
AFA Claim Services
P.O. Box 42880

San Diego, CA 92142-0880
Phone: (855) 858-8142
Fax: (858) 332-2888

New York (Auto policies only)
Country-Wide Management Services
40 Wall Street
New York, NY 10005
(212) 344-8700

Ocean Harbor Claims Department (Property Claims Only)
P.O. Box 15109
Tallahassee, FL 32317
(855) 585-0500