These Terms of Service ("Terms") constitute a legally binding agreement between you and Wind Harbor Insurance Agency LLC ("Company," "we," "us," or "our") regarding your use of our website, services, and insurance products. By accessing our website or using our services, you agree to be bound by these Terms.
Wind Harbor Insurance Agency LLC is a licensed insurance agency specializing in Medicare and Life Insurance products. We provide:
You must be at least 18 years of age to use our services. For Medicare products, you must be eligible for Medicare enrollment according to federal guidelines.
You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding any login credentials and for all activities that occur under your account.
You may only use our services for lawful purposes and in accordance with these Terms. You represent that you have the legal authority to enter into insurance contracts and make decisions regarding the insurance products we offer.
You may use our website and services to:
You agree not to:
Wind Harbor Insurance Agency LLC acts as an independent insurance agency. We represent multiple insurance carriers and will help you find suitable coverage based on your needs and eligibility.
We do not guarantee that you will be approved for any insurance coverage. Final approval decisions are made by the insurance carriers based on their underwriting guidelines and applicable regulations.
For Medicare-related services, we comply with all Centers for Medicare & Medicaid Services (CMS) regulations, including:
Premium payments are typically made directly to the insurance carrier. We may assist with payment setup but are not responsible for processing premium payments unless specifically agreed upon in writing.
The content on our website, including text, graphics, logos, images, and software, is the property of Wind Harbor Insurance Agency LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not:
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our privacy practices as described in our Privacy Policy.
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free from harmful components.
The information provided on our website is for educational and informational purposes only and should not be considered as personalized financial, legal, or tax advice. You should consult with qualified professionals regarding your specific situation.
Insurance coverage is provided by third-party insurance carriers, not by Wind Harbor Insurance Agency LLC. We are not responsible for the financial stability, claims-paying ability, or customer service of insurance carriers.
To the fullest extent permitted by law, Wind Harbor Insurance Agency LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services.
Our total liability for any claim arising from these Terms or your use of our services shall not exceed the amount of commissions we received from your insurance purchases in the twelve months preceding the claim.
You agree to indemnify and hold harmless Wind Harbor Insurance Agency LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:
We may terminate or suspend your access to our services at any time, with or without cause, with or without notice. You may terminate your use of our services at any time by ceasing to use our website and services.
Upon termination:
These Terms are governed by the laws of Pennsylvania, without regard to conflict of law principles.
Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts of Pennsylvania, and you consent to the jurisdiction of such courts.
We encourage you to contact us directly to resolve any disputes. If a dispute cannot be resolved through direct communication, you may be required to participate in mediation or arbitration as provided by applicable law.
We reserve the right to modify these Terms at any time. We will notify you of material changes by:
Your continued use of our services after changes become effective constitutes acceptance of the modified Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the intent of the original provision.
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Wind Harbor Insurance Agency LLC regarding your use of our services.
Wind Harbor Insurance Agency LLC
Mailing Address:
2581 Washington Road
Suite 230
Upper St Clair, PA 15241
Phone: (412) 743-WIND (9463)
Email: team@windharbor.com
Legal Department: Brian Lash, Principal Agent
Office Hours:
Monday - Friday: 10:00 AM - 5:00 PM
Saturday: By Appointment Only
Wind Harbor Insurance Agency LLC is licensed to sell insurance in [insert states]. We are regulated by state insurance departments and, for Medicare products, by the Centers for Medicare & Medicaid Services (CMS).
For regulatory complaints or concerns, you may contact:
Your trusted Medicare insurance broker serving Pittsburgh and surrounding areas. We simplify Medicare so you can focus on your health.
Licensed in Pennsylvania
We proudly serve the greater Pittsburgh area and surrounding regions, including Allegheny
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
