Terms of Service

Welcome to Ocean Trust Insurance. By accessing or using our website, services, or purchasing our products, you agree to the following terms and conditions. Please read these Terms of Service carefully. If you do not agree to these terms, you must refrain from using our services.

1. Definitions

“We,” “Our,” or “Us” refers to Ocean Trust Insurance.
“You” or “Your” refers to the individual or entity accessing or using our services.

2. Eligibility

To use our services, you must:

Be at least 18 years old.
Provide accurate and truthful information during the application and policy process.
Agree to comply with all applicable laws and regulations.

3. Use of Services

You agree to use our website and services solely for lawful purposes. Prohibited activities include, but are not limited to:

Misusing or attempting to compromise the security of our website or services.
Providing false or misleading information during claims, quotes, or policy applications.
Engaging in any fraudulent or harmful activities.

4. Insurance Policies

Policy Terms: Each policy has specific terms, coverage limits, and exclusions. It is your responsibility to review your policy documents to understand the scope of your coverage.
Payments: Premium payments must be made on time to maintain active coverage. Non-payment may result in cancellation or termination of your policy.
Policy Changes: Any changes or updates to your policy (e.g., address updates, coverage adjustments) must be requested in writing and are subject to approval.

5. Claims

Filing Claims: Claims must be submitted promptly with accurate and complete documentation.
Processing Time: While we strive to resolve claims quickly, processing times may vary depending on the complexity and availability of required documentation.
Fraudulent Claims: Submitting false or misleading claims will result in denial of coverage and potential legal action.

6. Cancellation and Refund Policy

Cancellation by You: Policies can be canceled by contacting us in writing. Refunds for unused portions of premiums are subject to the terms outlined in your policy agreement.
Cancellation by Us: We reserve the right to cancel policies due to non-payment, fraud, or violations of these Terms of Service.
Refund Processing: Refunds (if applicable) will be processed within 14 business days of policy termination.

7. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. By using our services, you consent to the collection and use of your data as described in our Privacy Policy.

8. Limitation of Liability

Ocean Trust Insurance is not liable for:

Damages resulting from your failure to comply with policy terms or these Terms of Service.
Losses arising from unforeseen events, including natural disasters, cyberattacks, or third-party actions, that are beyond our control.
Any indirect, incidental, or consequential damages related to the use of our services.

9. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Changes will be posted on our website and become effective immediately upon posting. It is your responsibility to review the Terms periodically.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the state of Florida, United States. Any disputes arising under these terms shall be resolved exclusively in the courts of Miami-Dade County, Florida.