Terms & Conditions
Effective Date: January 1, 2026
By accessing or using the website of Catawba First Insurance Associates, Inc., you agree to comply with and be legally bound by these Terms and Conditions. If you do not agree with any part of these terms, you must discontinue use of this website immediately.
1. Website Purpose
This website is intended solely for informational and business purposes related to insurance products and services offered by Catawba First Insurance Associates, Inc. and its carrier partners. Nothing on this website constitutes legal, financial, or professional advice.
2. No Guarantee of Insurance Coverage
Information provided on this website does not constitute a binding offer or guarantee of insurance coverage. All insurance products remain subject to:
- Underwriting approval by the applicable insurance carrier
- Carrier eligibility requirements and guidelines
- Policy exclusions, conditions, and endorsements
- Applicable state and federal insurance regulations
- Payment of required premium
Coverage is not effective until a policy has been formally issued by the carrier and all applicable conditions have been satisfied.
3. User Conduct
By using this website, you agree:
- To provide accurate, current, and complete information when submitting any form or inquiry
- Not to misuse website functionality for any unlawful or unauthorized purpose
- Not to interfere with or attempt to compromise website security or infrastructure
- Not to engage in fraudulent activities, misrepresentation, or deceptive practices
- Not to attempt unauthorized access to any portion of this website or its systems
- Not to transmit harmful code, malware, or disruptive content of any kind
Violation of these conduct standards may result in termination of your access to this website and may be reported to appropriate legal authorities.
4. Intellectual Property Rights
All website content including but not limited to:
- Logos, trademarks, and service marks
- Text, copy, and written content
- Graphics, photographs, and illustrations
- Branding elements and visual identity
- Website structure, layout, and design
- Software, code, and technical implementations
are the exclusive intellectual property of Catawba First Insurance Associates, Inc. and may not be copied, reproduced, modified, distributed, transmitted, displayed, or otherwise used without prior written permission from the Company.
5. Disclaimer of Warranties
This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
We do not warrant that this website will be uninterrupted, error-free, or free from viruses or other harmful components.
6. Limitation of Liability
To the maximum extent permitted by applicable law, Catawba First Insurance Associates, Inc. shall not be liable for any:
- Indirect, incidental, or consequential damages
- Loss or corruption of data
- Financial losses arising from reliance on website content
- Website downtime or service interruptions
- Business interruption or loss of profits
- Inaccuracies or errors in website content
This limitation applies regardless of the legal theory under which such damages are claimed.
7. Third-Party Content and Links
Our website may contain links to third-party websites, resources, or services that are not owned or controlled by Catawba First Insurance Associates, Inc. We are not responsible for the content, privacy practices, or accuracy of any third-party websites. Links provided do not constitute endorsement of any third-party website or its operators.
8. Privacy Policy
Use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using this website, you consent to the data practices described in our Privacy Policy.
9. Modifications to Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes become effective immediately upon posting to this website. Your continued use of this website following the posting of any changes constitutes your acceptance of the revised Terms and Conditions. We encourage you to review these terms periodically.
10. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising under or related to these Terms shall be subject to the exclusive jurisdiction of the courts located in Catawba County, North Carolina.
11. Severability
If any provision of these Terms and Conditions is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity or enforceability of the remaining provisions.
12. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Catawba First Insurance Associates, Inc. regarding your use of this website and supersede all prior agreements, representations, or understandings.