Terms of Use

By visiting, browsing or otherwise using this website, you acknowledge that you have read and understood these Terms of Use and agree to comply with them, together with applicable laws and regulations.

If you access the website on behalf of a company, organization or other entity, you represent that you are authorized to act on its behalf in connection with that use.

Additional terms may apply to specific services, portals, forms, materials or transactions. If additional terms conflict with these general website terms, the applicable specific agreement will govern to the extent of the conflict.

Descriptions of insurance products, reinsurance, surety, trade finance solutions, risk services or other offerings are general descriptions and do not constitute an offer to insure, an agreement to provide services, a binder, a guarantee of acceptance or confirmation of coverage.

Any actual insurance or financial arrangement is subject to applicable law, eligibility, underwriting, risk assessment, required approvals and definitive documentation issued or executed by the relevant authorized parties.

Coverage, limits, deductibles, exclusions, premiums, conditions, territorial scope and effective dates are determined by the applicable policy, certificate, endorsement, bond, guarantee or contract. No coverage is effective solely because information appears on this website or a user submits an online form.

Information about trade, credit, political, maritime, supply-chain or other risks is not a guarantee of a particular commercial outcome and should not be treated as individualized legal, financial, investment, insurance or trade advice.

Nothing on this website should be interpreted as confirming a particular license, regulatory authorization, underwriting capacity, financial rating, partnership or geographic right to provide services. Users should verify the relevant entity and authorization before entering into a transaction.

Unless otherwise indicated, website text, design, graphics, logos, visual materials, page layouts and other content may be owned by BlueHarbor or used under permission or license from another rights holder.

Subject to applicable law, you may access and use website content for personal, internal business or informational purposes. You must not reproduce, republish, distribute, modify, commercially exploit or create derivative works from protected material without appropriate authorization, except where permitted by law.

Nothing in these terms transfers ownership of intellectual property to you. Third-party names, trademarks, logos and materials remain the property of their respective owners.

If you believe material on this website infringes your rights, please contact us with sufficient information to identify the material and explain the concern.

Your use of the website may involve the processing of technical information or information you choose to submit. Any such processing should be handled in accordance with applicable privacy and data protection requirements.

Please review our Privacy Policy for information about personal information and our Cookie Policy for information about cookies and similar technologies.

When using contact forms, portals or other online features, you are responsible for providing information that is accurate and that you are authorized to submit. Do not transmit sensitive, confidential or transaction-critical material through a general contact form unless the relevant channel is expressly intended and authorized for that purpose.

Submitting a message or inquiry does not, by itself, establish an insurance relationship, create a professional advisory relationship, confirm a transaction or guarantee a response within a particular timeframe.

Changes to these terms

We may revise these Terms of Use as the website, services or applicable requirements change. Updated terms will be posted on this page. The revised terms will apply from the stated effective date or, if no date is stated, from publication, subject to applicable law.

Suspension or termination of access

We may modify, suspend or discontinue all or part of the website, or restrict access where reasonably necessary for security, maintenance, legal compliance or protection against misuse. Where required, applicable notice or other legal obligations will be respected.

Governing law and jurisdiction

These terms are subject to the laws and jurisdiction that validly apply to the relevant parties and circumstances. The governing law and forum for a particular dispute may depend on applicable law, the relevant legal entity and any enforceable agreement between the parties.

The appropriate governing law and dispute-resolution provisions should be specified by BlueHarbor after confirming its legal domicile, corporate structure and intended operating jurisdictions. Nothing in this section removes mandatory consumer protections or other non-waivable legal rights.

Severability and interpretation

If any provision of these terms is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law. A failure to enforce a provision does not automatically waive the right to enforce it later.