Terms & Conditions

Last updated: September 15, 2026

These Terms and Conditions govern your use of havencover.online (the "Site") and establish the legal relationship between you and the operator of the Site. By accessing or using the Site, or by placing a telephone call to a number displayed on it, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree, please discontinue use of the Site.

1. Definitions

"Company," "we," "us," and "our" refer to havencover.online, the operator of havencover.online. "User," "you," and "your" refer to any individual who visits, uses, or places a call through the Site. "Agent" refers to a licensed insurance agent, agency, producer, or carrier representative to whom a call may be connected.

2. Nature of Our Service — Please Read Carefully

This is the most important section of these terms. The Company is an advertising and referral service only.

• We are not an insurance company, insurance agency, or insurance broker.
• We do not issue insurance policies, bind coverage, underwrite risk, set premiums, or make coverage or claims decisions.
• We do not provide insurance advice, and nothing on this Site constitutes an offer of insurance or a solicitation to purchase insurance in any jurisdiction where such an offer would be unlawful.
• When you call, you may be connected with a licensed Agent who is independent of the Company. Any insurance product you obtain is a contract between you and the issuing insurer, not with us.
• We receive compensation from insurers, agencies, or marketing partners for connecting consumers with Agents. This compensation may influence which Agents you are connected with and in what order.

3. No Guarantee of Coverage, Rates, or Savings

• Coverage descriptions on the Site are general summaries for informational purposes only. They do not modify, interpret, or form part of any insurance policy.
• Actual coverage, terms, limits, exclusions, eligibility, and availability are governed solely by the policy issued and vary by state and by insurer.
• Not all applicants will qualify. Eligibility and pricing are determined by the insurer through its own underwriting process.
• We make no representation or guarantee that you will obtain coverage, obtain any particular rate, or achieve any savings.

4. Telephone Calls, Consent, and Recording

• By placing a call to a number shown on the Site, you consent to speak with a licensed Agent about insurance products.
• Calls may be recorded or monitored for quality assurance, training, and compliance purposes. Recording consent requirements vary by state; where two-party consent is required, notice will be provided at the start of the call. [Confirm the applicable notice with your compliance contact.]
• If you provide your telephone number during a call, you may be contacted by the Agent or their affiliates regarding insurance products. You may revoke consent at any time by telling the caller to stop, or by contacting us using the details below.
• Standard message and data rates from your carrier may apply.

5. Licensing and Availability

Agent availability, participating insurers, and coverage options vary by state. Insurance is solicited and sold only by individuals and entities properly licensed in the applicable state. [Insert licensed entity name and producer license number(s) — these must be obtained from the licensed entity and cannot be omitted.]

6. Website Content and Availability

• All content on the Site is provided for general informational purposes only.
• We reserve the right to modify, update, suspend, or remove content and functionality at any time without prior notice.
• While we make reasonable efforts to keep information accurate and current, we cannot guarantee the completeness, accuracy, or timeliness of all material.

7. Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all express and implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or free of errors or technical defects.

8. Limitation of Liability

• Your use of the Site is entirely at your own discretion and risk.
• To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of the Site, your reliance on its content, or any interaction with an Agent.
• We are not responsible for the acts, omissions, representations, or advice of any independent Agent or insurer.
• You are responsible for evaluating whether any insurance product meets your specific requirements.

9. Third-Party Links and Content

The Site may contain links to third-party websites or resources. We do not control and are not responsible for the content, privacy practices, or availability of those sites. Inclusion of a link does not imply endorsement.

10. Intellectual Property

All content on the Site, including text, graphics, illustrations, layout, and code, is owned by or licensed to the Company and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.

11. Acceptable Use

You agree not to use the Site to transmit unlawful, harassing, or fraudulent content; to attempt unauthorized access to any system; to use automated means to scrape or harvest content; or to interfere with the operation of the Site.

12. Privacy

Our collection and use of personal information is governed by our Privacy Policy, which forms an integral part of these terms. California residents should also review our CCPA Notice.

13. Indemnification

You agree to indemnify and hold harmless the Company, its officers, employees, and affiliates from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Site or your violation of these terms.

14. Changes to These Terms

We may update these terms periodically. Changes take effect immediately upon posting, and the "last updated" date above will be revised. Your continued use of the Site constitutes acceptance of the revised terms. If you disagree with any change, discontinue use of the Site.

15. Governing Law

These terms are governed by the laws of the State of [State], without regard to its conflict of law provisions. Any dispute shall be brought in the state or federal courts located in [County, State], and you consent to the jurisdiction of those courts. [Confirm with counsel — some states restrict forum selection and arbitration clauses in consumer agreements.]

16. Severability

If any provision of these terms is found unenforceable, the remaining provisions remain in full force and effect.

17. Contact Information

Questions about these Terms and Conditions may be directed to:

havencover.online
Part of Crossblade Media LLC
Email: info@havencover.online
Phone: (877) 893-0653
Mailing address: 111 NE 1st St, 8th Floor Suite #88982, Miami, FL 33132, United States