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Terms of Use

Effective Date: August 27, 2024

Welcome to https://lhinsure.com. This site is operated by Lighthouse Insurance Advisors, LLC, including its agents, principals, officers, managers, members and/or executives ("we," "us," "our"). The term "Site" encompasses any forwarded or redirected domain names, subdomains, and landing pages that lead to https://lhinsure.com, as well as referral links to partnered websites. It also includes all information and systems associated with the domain https://lhinure.com. By accessing or using our Site, you agree to comply with and be bound by the following terms and conditions ("Terms of Use and/or Service"). Please read these Terms of Use and/or Service carefully before using our Site. If you do not agree to these Terms of Use and/or Service, you must not use the Site.

1. Acceptance of Terms

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and/or Service, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree with any of these terms, please do not use the Site.

2. Scope of Terms of Use and/or Service

These Terms of Use and/or Service apply to any activity that utilizes the services of this Site. This includes, but is not limited to, the use of our messaging system, calendaring or scheduling system, and any communication, including video conferencing services, through or by utilizing the features of this Site.  Any tangential association with with this Site, including the use of forwarded or redirected domain names and landing pages leading to this Site, subjects the user to these Terms of Use and/or Service.

3. Use of the Site

The Site is provided solely for the benefit of our customers and potential customers to learn about the services and products offered by Lighthouse Insurance Advis. ors LLC, including its agents, principals, officers, managers, members and executives. Any other use of the Site is strictly prohibited, including but not limited to:

  • Competitor Access: It is a violation of these Terms of Use and/or Service for any competitor, potential competitor, or non-customer to use the Site to gather information about Lighthouse Insurance Advisors LLC’s including its agents, principals, officers, managers, members and/or executives business practices, competitive business format, pricing, marketing strategies, or any other proprietary information.
  • Prohibited Activities: You agree not to use the Site for any unlawful purpose or any purpose prohibited by these Terms of Use and/or Service. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site.
  • Fraudulent Activity: It is a violation of these Terms of Use and/or Service to utilize any of the quote referral services to our partner companies to engage in any type of fraud, misrepresentation, deception, or general dishonest activity. Violation of this term is subject to liquidated damages in the amount of $2,500 per occurrence. At the sole discretion of Lighthouse Insurance Advisors LLC, including its agents, principals, officers, managers, and executives, we may seek a remedy for higher amounts based upon actual damages.
  • Improper Use of Communication Services: It is a violation of these Terms of Use and/or Service to utilize our messaging, scheduling, or conferencing services through this Site to contact any agent, employee, officer, manager, member or director of the company for any purpose other than legitimate business activities. This includes using our system to solicit or promote business activities not originated by Lighthouse Insurance Advisors LLC. Violating this provision subjects the violator to minimum liquidated damages of $2,500 per occurrence. At the sole discretion of Lighthouse Insurance Advisors LLC, including its agents, principals, officers, managers, and executives, we may seek a remedy for higher amounts based upon actual damages. Additionally, Lighthouse Insurance Advisors LLC, including its agents, principals, officers, managers, member and executives, may seek a restraining order or injunctive relief. Lighthouse Insurance Advisors LLC does not waive any rights or remedies by not immediately exercising this right and reserves the right to cumulatively bring action or remedy against a violator. A single incident of violation of these Terms of Use and/or Service will be deemed sufficient to meet any burden of proof required to implement this remedy.

4. Intellectual Property Rights

All content on the Site, including text, graphics, logos, images, and software, is the property of Lighthouse Insurance Advisors LLC or its content suppliers and is protected by intellectual property laws. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the Site without our prior written permission.

5. User Conduct

You agree to use the Site only for lawful purposes. You are prohibited from posting or transmitting through the Site any material that:

  • Is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable;
  • Infringes the intellectual property rights of any person or entity;
  • Impersonates any person or entity or falsely states or otherwise misrepresents your affiliation with a person or entity;
  • Contains any viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines intended to damage, interfere with, or expropriate any system, data, or personal information.

6. Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis. Lighthouse Insurance Advisors LLC including its agents, principals, officers, managers, and executives makes no representations or warranties of any kind, express or implied, regarding the operation of the Site or the information, content, materials, or products included on the Site. To the fullest extent permissible by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

7. Limitation of Liability

Lighthouse Insurance Advisors LLC, including its agents, principals, officers, managers, members and executives, shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use of, or inability to use, the Site, including but not limited to reliance by a user on any information obtained from the Site, or that result from mistakes, omissions, interruptions, deletion of files or emails, errors, defects, viruses, delays in operation or transmission, or any failure of performance, whether or not resulting from acts of God, communications failure, theft, destruction, or unauthorized access to our records, programs, or services.

8. Indemnification

You agree to indemnify, defend, and hold harmless Lighthouse Insurance Advisors LLC, including its agents, principals, officers, managers, members and executives, from and against all losses, liabilities, expenses, damages, and costs. This includes an internal administrative costs, which will be charged at a rate of $75 per hour. Time charges will be rounded up to the nearest hour, with a minimum charge of one hour per day. Each new day requiring administrative duties will incur a separate minimum charge. Additionally, you agree to cover reasonable attorneys' fees. These obligations arise from any violation of these Terms of Use and/or Service or any activity related to your use of the Site (including negligent or wrongful conduct) by you or any other person accessing the Site using your Internet account.

9. Choice of Venue and/or Forum

By using this Site, you agree that any legal claims must be brought in Washington County, Utah. At the sole discretion of Lighthouse Insurance Advisors LLC, including its agents, principals, officers, managers, members, and executives, any legal proceedings must be initiated in a Utah State Court located in Washington County, Utah. Furthermore, Lighthouse Insurance Advisors LLC, including its agents, reserves the right to transfer any legal proceeding to binding arbitration at its discretion.

10. Changes to These Terms

Lighthouse Insurance Advisors LLC reserves the right to modify these Terms of Use and/or Service at any time. We will notify you of any changes by posting the new Terms of Use and/or Service on this page. You are advised to review these Terms of Use and/or Service periodically for any changes. Changes to these Terms of Use and/or Service are effective when they are posted on this Site.

11. Governing Law

These Terms of Use and/or Service and your use of the Site are governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions. You agree to submit to the personal, business, and/or commercial jurisdiction of the courts located within Utah. Any dispute regarding the interpretation or construction of these Terms of Use and/or Service shall be governed by these laws. If any provision of these Terms of Use and/or Service is deemed unenforceable, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions shall remain in full force and effect.

12. Termination

Lighthouse Insurance Advisors LLC reserves the right to terminate your access to the Site without advance notice for any reason, including but not limited to a violation of these Terms of Use and/or Service.

13. Contact Information

If you have any questions about these Terms of Use and/or Service, please contact us: