Term and Conditions

Terms and Conditions for Ocean Trust Insurance

Welcome to Ocean Trust Insurance. By accessing our website or purchasing our products and services, you agree to comply with the following terms and conditions. Please read them carefully.

1. General Information

Ocean Trust Insurance provides insurance products and services tailored to meet our customers’ diverse needs. By using our website or any of our services, you acknowledge and accept these terms and conditions, which may be updated periodically.

2. Use of Website

The content on our website, including text, graphics, images, and software, is for informational purposes only.
You agree not to use the website for any unlawful or prohibited activities, including attempting to hack or disrupt its operation.
Ocean Trust Insurance reserves the right to modify or discontinue any part of the website without prior notice.

3. Privacy Policy

We respect your privacy and are committed to protecting your personal information. For more details, please refer to our Privacy Policy.

4. Insurance Policies

All insurance policies are subject to underwriting guidelines, coverage limits, exclusions, and state regulations.
It is your responsibility to provide accurate and complete information during the application process. Failure to do so may result in policy cancellation or denial of claims.
Policyholders must review their policy documents carefully to ensure the coverage meets their needs.

5. Claims Process

In the event of a claim, you must notify us immediately and provide all required documentation and information.
Claims will be processed in accordance with the terms and conditions of your policy.
Ocean Trust Insurance reserves the right to investigate claims thoroughly and deny claims that do not meet the policy’s coverage criteria.

6. Payment Terms

Premium payments must be made on time to ensure continuous coverage.
Late payments may result in policy lapse or cancellation.
Refunds for cancellations, if applicable, will be processed based on the terms of your policy.

7. Limitations of Liability

Ocean Trust Insurance is not liable for any damages arising from the use or inability to use our website or services.
We are not responsible for errors or omissions in the content provided on the website.
Our liability is limited to the terms and conditions outlined in your policy.

8. Intellectual Property

All content on our website, including logos, text, and images, is the property of Ocean Trust Insurance.
You may not reproduce, distribute, or modify any content without our written consent.

9. Governing Law

These terms and conditions are governed by the laws of the United States. Any disputes arising from the use of our services or website will be resolved in the courts of the state where Ocean Trust Insurance is headquartered.