Terms & Conditions

Welcome to Ripple Insurance Holding (“Ripple Insurance,” “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, please do not use 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 way that violates applicable laws or regulations
• Attempt to gain unauthorized access to systems or data
• Misuse, copy, or distribute website content without 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 execution of official policy documents.

3. Brokerage Role

Ripple Insurance Holding is an independent insurance brokerage. We do not issue insurance policies, make underwriting decisions, or approve claims. All insurance coverage decisions are made solely by the issuing insurance carrier.

4. Accuracy of Information

While we strive to keep information accurate and up to date, we make no warranties regarding completeness, accuracy, or reliability. Insurance products, availability, and requirements may change without notice.

5. Intellectual Property

All content on this website, including text, logos, graphics, and design elements, is the property of Ripple Insurance Holding and may not be reproduced or used without prior written consent.

6. Limitation of Liability

Ripple Insurance Holding shall not be liable for any damages arising from use of this website, including direct, indirect, incidental, or consequential damages.

7. Third-Party Links

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

8. Governing Law

These Terms & Conditions are governed by the laws of the United States and the applicable state laws where services are provided.

9. Changes to Terms

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