1. Acceptance of Terms

By accessing or using any part of our website or services, you agree to be bound by these Terms and Conditions, including any additional terms and policies referenced herein. These terms apply to all users of the site.

2. Changes to Terms

Cornerstone Insurance Agents Ltd reserves the right to modify or update these Terms and Conditions at any time, without prior notice. Your continued use of the website after any changes constitutes acceptance of the revised terms. We encourage you to review this page periodically to stay informed of any updates.

3. Services Provided

Cornerstone Insurance Agents Ltd provides insurance services, including but not limited to auto, home, marine, contractors, business, and professional insurance. The information provided on this website is for informational purposes only and does not constitute an offer, solicitation, or guarantee of insurance coverage.

4. Use of the Website

• You agree to use the website only for lawful purposes and in accordance with these Terms and Conditions.
• You may not use the website in any manner that could harm, disable, overburden, or impair any Cornerstone Insurance Agents Ltd server, or the networks connected to any Cornerstone Insurance Agents Ltd server.
• You agree not to attempt to gain unauthorized access to any portion of the website or any services, accounts, or systems connected to the website.

5. Intellectual Property

All content on this website, including but not limited to text, images, graphics, logos, and design, is the property of Cornerstone Insurance Agents Ltd and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or otherwise use any content from this website without prior written permission from Cornerstone Insurance Agents Ltd.

6. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Cornerstone Insurance Agents Ltd. We are not responsible for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Cornerstone Insurance Agents Ltd is not liable for any damages or losses caused by your use of third-party websites.

7. Limitation of Liability

To the fullest extent permitted by law, Cornerstone Insurance Agents Ltd shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:

• The use or inability to use the website;
• Unauthorized access to or alteration of your transmissions or data;
• Statements or conduct of any third party on the website;
• Any other matter related to the website.

In no event shall Cornerstone Insurance Agents Ltd’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the website.

8. Disclaimer of Warranties

• The website and all content, products, and services offered through the website are provided on an “as-is” and “as-available” basis, without any warranties of any kind, either 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 website will be uninterrupted, secure, or error-free, nor do we make any warranty regarding the accuracy, reliability, or completeness of any information provided on the website.

9. Indemnification

You agree to indemnify, defend, and hold harmless Cornerstone Insurance Agents Ltd, its directors, officers, employees, agents, and affiliates, from and against any and all claims, damages, liabilities, costs, and expenses (including legal fees) arising from or related to your use of the website, violation of these Terms and Conditions, or violation of any rights of a third party.

10. Privacy

Your use of the website is also governed by our [Privacy Policy](link to privacy policy), which explains how we collect, use, and protect your personal information. By using the website, you agree to the terms outlined in our Privacy Policy.

11. Termination

Cornerstone Insurance Agents Ltd reserves the right, in its sole discretion, to terminate or suspend your access to the website for any reason, without notice, including but not limited to violations of these Terms and Conditions or any applicable laws.

12. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to its conflict of law principles. Any legal actions or disputes arising from your use of the website will be subject to the exclusive jurisdiction of the courts in [Insert Jurisdiction].

13. Severability

If any provision of these Terms and Conditions is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

14. Entire Agreement

These Terms and Conditions, along with our Privacy Policy, constitute the entire agreement between you and Cornerstone Insurance Agents Ltd regarding your use of the website and services. Any failure by Cornerstone Insurance Agents Ltd to enforce any provision of these terms shall not be construed as a waiver of such provision.

15. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

Cornerstone Insurance Agents Ltd
#4 Arcade Building, Pioneer’s Way,
Freeport, Grand Bahama,
Phone: 602-6652
Email: info@cornerstoneinsurancebahamas.com

By using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.