Website Terms of Use
PLEASE READ THESE TERMS OF USE (“TERMS”) CAREFULLY BEFORE USING THIS WEBSITE.
This Website is owned and operated by Guardian Ridge Insurance LLC (“GRI”) and/or its Affiliate(s), where “Affiliate” means any entity controlling, controlled by, or under common control with GRI.
These Terms of Use apply to https://guardianridgeinsure.com/ and any affiliated websites, applications, or digital services linking to these Terms (collectively, the “Website”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.
GRI may modify these Terms at any time without prior notice. Continued use of the Website after any changes are posted constitutes your acceptance of the revised Terms. You are responsible for reviewing the current Terms regularly to remain informed of any updates. GRI may, in its discretion, require affirmative acceptance of material changes.
1.Eligibility and Authorized Use
1.1 By accessing or using the Website, you affirm that: (a) you are of legal age and capacity to enter into a binding agreement in your jurisdiction; and (b) you have read, understood, and agree to be legally bound by these Terms, including any terms incorporated by reference from other GRI-affiliated websites or platforms (collectively, the “Terms”).
1.2 If you access or use the Website on behalf of another person or legal entity, you represent and warrant that you are duly authorized to bind such individual or entity to these Terms. In such event, all references to “you” or “your” herein shall be deemed to include both you as an individual and such person or entity.
1.3 You agree to use the Website solely for lawful and authorized business purposes and in full compliance with all applicable federal, state, and local laws, rules, and regulations, including but not limited to insurance-related and consumer privacy laws applicable in the State of California.
1.4 GRI reserves the right, in its sole discretion and without prior notice, to suspend, restrict, or terminate your access to the Website if it reasonably determines that your use is unauthorized, unlawful, or in violation of these Terms or any applicable law or regulation.
2.Restrictions on Use
- Except as otherwise expressly permitted by GRI in writing, no materials or software from the Website or any website owned, operated, licensed or controlled by GRI may be copied, displayed, modified, reproduced, reposted, republished, reused, uploaded, performed, posted, transmitted, or distributed in any way. You may download material displayed on the Website for your personal and non-commercial use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not frame or utilize framing techniques to enclose any content of the Website (including but not limited to text, forms, images, audio, video, trademarks or logos) without GRI’s express written consent. GRI neither warrants nor represents that your use of materials displayed on the Website will not infringe rights of third parties. At any time and for any reason, GRI may remove materials or software from the Website.
- Without limiting the foregoing, you agree not to:
- Violate any applicable federal, state, local, or international law or regulation;
- Misrepresent your identity or impersonate another entity;
- Use the Website or any materials contained on the Website to infringe the intellectual property rights of GRI or other third parties in any way;
- Use the Website, or make any attempt to penetrate, modify or manipulate the Website or any of GRI’s software, in order to:
- invade the privacy of, or obtain any personal information about, any GRI customer or user of the Website;
- modify, erase or damage any information contained on the computer of any user connected to the Website;
- perform any action with the intent on introducing to the Website any viruses, worms, defects, Trojan horses, malware or other destructive items; or
- interfere with or otherwise damage, disable, disrupt, impair, or overburden the Website, its software, its servers or networks;
- systematically retrieve content, or use data mining, robots, or similar data gathering and extraction tools, to create a collection, compilation, database or directory, or otherwise harvest data or other information from the Website; or
- use the Website for any unlawful, unauthorized, fraudulent or malicious purpose.
3. Third Party Content
3.1 The Website may include hyperlinks or references to external websites or online resources that are not owned, operated, or controlled by GRI. GRI disclaims any responsibility or liability for the content, accuracy, or policies of such third-party websites. The inclusion of any hyperlink does not constitute or imply GRI’s endorsement, approval, or recommendation of the third-party content, services, or operators. GRI makes no assurances that such links are current or operational at the time of your access. All such third-party websites are developed and maintained independently by persons or entities over which GRI exercises no control.
3.2 GRI does not monitor or review the content, communications, or transmissions that may occur on third-party websites, including those accessible through hyperlinks provided on the Website. Accordingly, GRI assumes no responsibility or liability for the content, accuracy, legality, or reliability of any third-party materials. GRI provides access to such third-party links in good faith and in accordance with general Internet usage practices and understands such linking to be legally permissible. Users are encouraged to review the applicable terms of use and privacy policies of any third-party websites they visit.
3.3 The Website may offer functionality such as social bookmarking tools that enable users to link to or share content from the Website via their personal accounts on various social media platforms. Your use of such tools is voluntary and may be subject to the terms of use and privacy policies of the respective third-party platforms. GRI does not control, monitor, or endorse any views, opinions, or activities shared by users through such platforms, nor does GRI accept any responsibility for user-generated content. Individuals who share content from the Site using social bookmarking tools are not authorized to represent GRI, and any opinions expressed by such individuals shall be considered their own and not those of GRI.
4.Disclaimer of Warranties
4.1 The Website, including all information, content, products, and services made available through it, is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
4.2 GRI does not represent or warrant that:
- The Website will be uninterrupted or error-free,
- Any content on the Website is accurate, complete, or up to date,
- Or that your use will result in any specific outcome.
4.3 No content or communication on this Website constitutes insurance advice, an offer or a solicitation or offer to buy or sell insurance products, an underwriting approval or a guarantee of coverage or binding quote. You should not rely on the Website as a substitute for licensed professional advice. Any insurance-related decision must be based on a separate written agreement with a licensed insurance producer.
5.Insurance Coverage Disclaimers
5.1 All descriptions, summaries, or listings of insurance products, coverages, policy types, and services provided on the Website are for informational purposes only and do not constitute a contract, an offer of coverage, or a guarantee of insurability or availability. Such content is subject to modification, withdrawal, or substitution at any time without prior notice.
5.2 Actual terms, limits, premiums, exclusions, and conditions of insurance coverage are governed exclusively by the specific policy documents issued by the respective licensed insurance carrier. Coverage availability and eligibility may vary based on underwriting criteria, jurisdiction, the nature of the risk, and the filing status or regulatory approvals of the applicable insurer.
5.3 References on the Website to types of damages (e.g., property, liability, business interruption, cyber risks) or examples of covered losses are illustrative only and may not reflect the actual scope of coverage available to any given applicant. Coverage for any such risks is not guaranteed and will depend on the insurance product selected, the insurance provider’s terms, and the underwriting and claims practices applicable at the time of application or filing.
5.4 You acknowledge and agree that any reliance on Website content regarding insurance coverage shall be at your own risk.
6.Limitation of Liability
To the fullest extent permitted under California law:
6.1 GRI or its Affiliates shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages, including loss of profits or data, arising out of or in connection with your access or use of the Website.
6.2 Your sole remedy for dissatisfaction with the Website or these Terms is to stop using the Website.
7.Forward Looking Statements
7.1 The Website may include statements that are forward-looking in nature, reflecting GRI’s current expectations, projections, or assumptions regarding future events or performance. These statements are inherently subject to risks, uncertainties, and other factors that may cause actual outcomes to differ materially from those expressed or implied. GRI undertakes no obligation to update or revise any forward-looking statements, whether due to new information, future developments, or otherwise, and expressly disclaims any such obligation.
8.Intellectual Property Rights
8.1 All content on this Website – including but not limited to text, design, logos, graphics, software, files, and documentation – is the property of GRI or its licensors and is protected under U.S. and international intellectual property laws.
8.2 You may use the Website for your internal business purposes related to your relationship with GRI only. You may not copy, modify, distribute, reverse-engineer, or otherwise exploit any part of the Website without express written permission.
8.3 All trademarks, logos, and service marks on the Website are registered and unregistered marks owned by GRI or third parties. Nothing on the Website grants you any license or right to use them.
8.4 You understand and agree that accessing and/or using the Website does not grant you any ownership, rights, or licenses to the Website other than the limited right to use the Website in accordance with the Terms.
9.Ownership of Information
9.1 Except for personal data governed by our Privacy Policy, any information you submit to GRI via this Site—such as questions, comments, suggestions, or other materials—shall be considered non-confidential and non-proprietary. You agree that GRI shall own all rights to such submissions and may use them for any lawful purpose, including reproduction, disclosure, publication, and marketing, without obligation or compensation to you.
10.Indemnification
10.0 You agree to defend, indemnify, and hold harmless GRI, its Affiliates, their respective officers, and its officers, directors, employees, contractors, affiliates, agents, licensors, and partners from and against any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to:
- Your use of the Website;
- Your violation of these Terms or applicable law;
- Any data or materials submitted by you.
11.Privacy Policy
11.1 All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information as described in the Privacy Policy.
12. Modifications to the Terms
12.1 GRI may revise these Terms at any time in its sole discretion. All changes are effective immediately upon posting. Your continued use of the Website constitutes your acceptance of such changes.
13. Termination
13.1 We may terminate or suspend your access to the Website, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is otherwise harmful to GRI, its Affiliates, its users, or third parties.
14. Governing Law and Jurisdiction
- These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflicts of law principles. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California.
15. Miscellaneous
- These Terms, together with the Privacy Policy and any additional policies posted on the Website, constitute the entire agreement between you and GRI regarding your use of the Website.
- If any provision of these Terms is found invalid or unenforceable, the remainder shall remain in full force and effect.
- GRI’s failure to enforce any right or provision in these Terms shall not constitute a waiver.
- These Terms do not create any partnership, joint venture, employment, or agency relationship between you and GRI.
16. Contact Information
If you have any questions about these Terms, please contact:
Guardian Ridge Insurance LLC
3556 S Highland Drive Salt Lake City, UT 84106
Email: info@guardianridgeinsure.com
Email: support@grinsured.com
Effective Date: July 15, 2025
