Terms and Conditions

1. Acceptance of Terms

By accessing and using the website located at https://www.glacierpointinsurance.com/ (the "Site"), you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with these terms, you are prohibited from using or accessing this site.

2. Nature of Services; Broker Relationship

3. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Glacier Point Insurance's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials;
• Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
• Attempt to decompile or reverse engineer any software contained on Glacier Point Insurance's website;
• Remove any copyright or other proprietary notations from the materials; or
• Transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Glacier Point Insurance at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

4. No Legal Advice Disclaimer

5. Website and Service Disclaimer

The materials on Glacier Point Insurance's website are provided on an 'as is' basis. Glacier Point Insurance makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Glacier Point Insurance does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

6. Website Monitoring

Our website includes monitoring features to improve user experience:

• Error Monitoring: We use Sentry to automatically collect technical information about website errors to improve functionality.
• Session Analytics: We use Microsoft Clarity to understand how users interact with our website through anonymized session recordings and heatmaps.
• Performance Analytics: We use Google Analytics to monitor website traffic and performance metrics.

By using our website, you consent to this monitoring. All data collected is used solely to improve website functionality and user experience.

7. Limitations of Liability

To the maximum extent permitted by applicable law, in no event shall Glacier Point Insurance Services, Inc. or its suppliers be liable for any indirect, incidental, special, consequential, or punitive damages (including, without limitation, damages for loss of data, profit, or business interruption) arising out of or related to the use or inability to use the materials or services on this Site or your engagement with us, even if we or an authorized representative has been notified orally or in writing of the possibility of such damage.

Aggregate Cap. To the maximum extent permitted by applicable law, the total aggregate liability of Glacier Point Insurance Services, Inc., its officers, employees, agents, and affiliates, for all claims arising out of or related to the Site, these Terms, or any services provided, shall not exceed the greater of (a) one hundred U.S. dollars ($100) or (b) the total commissions or fees actually received by us from or on behalf of you in the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including liability for gross negligence, willful misconduct, fraud, or any statutory liability that may not be waived.

8. Accuracy of Materials

The materials appearing on Glacier Point Insurance's website could include technical, typographical, or photographic errors. Glacier Point Insurance does not warrant that any of the materials on its website are accurate, complete, or current. Glacier Point Insurance may make changes to the materials contained on its website at any time without notice. However, Glacier Point Insurance does not make any commitment to update the materials.

9. Links

Glacier Point Insurance has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Glacier Point Insurance of the site. Use of any such linked website is at the user's own risk.

10. Modifications

Glacier Point Insurance may revise these Terms and Conditions for its website at any time without notice. By using this website you are agreeing to be bound by the then-current version of these Terms and Conditions.

11. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the State of California and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

12. Communications Consent (TCPA)

By providing a telephone number (including a mobile number) through this Site or a quote form, you consent to receive calls and text messages from Glacier Point Insurance related to your inquiry, quote, application, policy, or service. This may include calls placed manually or via automated systems. Standard call and text rates may apply.

We do not use automated dialing for marketing. You may opt out of SMS at any time by replying STOP to any message. Consent to receive communications is not a condition of purchase. For our full SMS program terms, see our Privacy Notice.

13. Electronic Communications and Signatures (E-SIGN)

By submitting a quote request, application, or other information through this Site, you consent to conduct business electronically under the Electronic Signatures in Global and National Commerce Act (15 U.S.C. §7001 et seq.) and the California Uniform Electronic Transactions Act (Cal. Civ. Code §1633.1 et seq.). You consent to electronic delivery of notices, disclosures, and agreements related to your insurance services. You represent that you have the hardware, software, and access necessary to receive, review, and retain electronic records. You may withdraw this consent by contacting us, which may affect our ability to provide certain services electronically.

14. Indemnification

You agree to indemnify, defend, and hold harmless Glacier Point Insurance Services, Inc., its officers, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your breach of these Terms, your misuse of the Site, or your violation of any applicable law.

15. Accessibility

We are committed to making this Site accessible to all users. We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you encounter accessibility barriers while using this Site, please contact [email protected] so we can provide the information you need and improve the Site.

16. Severability and Waiver

If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision is not a waiver of such right or provision.

17. Contact Information

If you have any questions about these Terms and Conditions, please contact us at [email protected].