Terms & Conditions

Welcome to CareBridge Insurance Services (“CareBridge,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by the following Terms & Conditions. If you do not agree with these terms, please refrain from using this website.

1. Use of Website

This website is provided for general informational purposes only. You may use this website solely for lawful purposes and in accordance with these Terms & Conditions.

You agree not to:

• Use the website in any manner that violates applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to any systems, servers, or data
• Copy, reproduce, distribute, or misuse website content without prior written permission

2. No Insurance Contract Created

Use of this website does not create an insurance contract, binder, or coverage of any kind. Insurance coverage is subject to underwriting approval, carrier terms, and the execution of official policy documents issued by the insurance carrier.

3. Independent Agency Role

CareBridge Insurance Services is an independent insurance agency. We do not issue insurance policies, make underwriting decisions, or approve claims. All coverage determinations, underwriting approvals, and claims decisions are made solely by the issuing insurance carrier.

4. Accuracy of Information

While we strive to ensure that the information provided on this website is accurate and current, we make no warranties or representations regarding its completeness, accuracy, or reliability. Insurance products, coverage availability, and eligibility requirements may change without notice.

5. Intellectual Property

All content on this website – including text, logos, graphics, branding elements, and design – is the property of CareBridge Insurance Services unless otherwise noted. Content may not be reproduced, distributed, or used without prior written consent.

6. Limitation of Liability

CareBridge Insurance Services shall not be liable for any damages arising from the use of this website, including but not limited to direct, indirect, incidental, consequential, or punitive damages.

7. Third-Party Links

This website may contain links to third-party websites for convenience or informational purposes. We are not responsible for the content, privacy practices, or policies of any third-party websites.

8. Governing Law

These Terms & Conditions are governed by the laws of the United States and the applicable state laws in which services are provided, without regard to conflict of law principles.

9. Changes to Terms

We reserve the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of this website following any changes constitutes acceptance of the revised terms.