Welcome to K. Harris Insurance. These Terms & Conditions (“Terms”) govern your access to and use of our website located at https://kharrisinsurance.com/. By accessing or using this website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the website.

Acceptance of Terms

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions, along with our Privacy Policy.

These Terms apply to all visitors, users, and anyone accessing the website.

Website Use

This website is intended to provide general information about the insurance and financial services offered by K. Harris Insurance.

You agree to use this website only for lawful purposes and in a manner that does not:

• Violate any applicable laws or regulations.
• Infringe upon the rights of others.
• Interfere with the security or functionality of the website.
• Attempt to gain unauthorized access to any part of the website or its systems.
• Transmit malicious software, viruses, or harmful code.

We reserve the right to restrict or terminate access to users who misuse the website.

No Professional Advice

The information provided on this website is for general informational and educational purposes only.

Nothing on this website should be interpreted as legal, tax, accounting, investment, or financial advice. Insurance recommendations should always be based on your individual circumstances after speaking with a licensed insurance professional.

Before making any financial or insurance decisions, we encourage you to consult directly with K. Harris Insurance or another qualified professional.

Insurance Products and Availability

Insurance products and services are subject to underwriting approval, policy terms, conditions, exclusions, and carrier guidelines.

Not all insurance products or services are available in every state, and product availability may vary based on state regulations and carrier requirements.

Quotes provided through consultations are not guarantees of coverage or pricing until approved by the issuing insurance carrier.

Intellectual Property

All content available on this website, including but not limited to:

• Text
• Graphics
• Logos
• Images
• Icons
• Videos
• Documents
• Website Design
• Layout
• Branding

is the property of K. Harris Insurance or its content providers and is protected by applicable copyright, trademark, and intellectual property laws.

You may not copy, reproduce, distribute, modify, publish, or use any website content without prior written permission.

Third-Party Links

Our website may include links to third-party websites for your convenience.

These external websites operate independently, and K. Harris Insurance is not responsible for their content, services, privacy practices, or policies.

Accessing third-party websites is done at your own risk.

Limitation of Liability

While we strive to keep the information on this website accurate and up to date, we make no warranties or representations regarding its accuracy, completeness, reliability, or suitability.

To the fullest extent permitted by law, K. Harris Insurance shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use of this website.
• Your inability to access the website.
• Reliance on website information.
• Technical errors or interruptions.
• Unauthorized access to your information.

Your use of this website is entirely at your own risk.

Disclaimer of Warranties

This website is provided on an “as is” and “as available” basis.

K. Harris Insurance makes no express or implied warranties regarding:

• Website availability
• Website performance
• Accuracy of information
• Error-free operation
• Security of the website

We do not guarantee uninterrupted or error-free access at all times.

User Submissions

If you voluntarily submit information through our contact forms or other communication channels, you represent that:

• The information provided is accurate.
• You have the legal right to provide the information.
• Your submission does not violate any applicable laws or third-party rights.

By submitting information, you authorize K. Harris Insurance to contact you regarding your inquiry or requested services.

Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

Modifications to These Terms

We reserve the right to update or modify these Terms & Conditions at any time without prior notice.

Any revisions become effective immediately upon posting on this page. Continued use of the website after updates constitutes acceptance of the revised Terms.

Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the United States and any applicable state laws governing insurance services, without regard to conflict of law principles.

Contact Information

If you have any questions regarding these Terms & Conditions, please contact us.

K. Harris Insurance

Website: https://kharrisinsurance.com/

Email: kamal@kharrisinsurance.com

Phone: (917) 334-6373

By continuing to use this website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. We appreciate your trust in K. Harris Insurance and are committed to providing professional insurance guidance and exceptional customer service.