Last updated: April 3, 2026
These Terms of Service ("Terms") govern your access to and use of the websites, online platforms, and digital services operated by FIBS Enterprises ("FIBS Enterprises," "we," "us," or "our"), including any content, functionality, tools, and services offered on or through them (collectively, the "Site"). Please read these Terms carefully before using the Site.
By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Site.
1.1 Eligibility. The Site is intended for use by individuals who are at least 18 years of age and capable of entering into legally binding contracts. By using the Site, you represent and warrant that you meet these eligibility requirements.
1.2 Jurisdictional Restrictions. Products and Services described on the Site may not be available in all jurisdictions and are subject to applicable laws and regulatory approvals. Any reference to coverage, products, or services on the Site does not imply that such products or services are available or appropriate for sale in all jurisdictions or to all persons. Availability may vary by state, province, or country, and eligibility for coverage is subject to underwriting approval and applicable policy terms.
1.3 Use on Behalf of Organizations. If you access or use the Site on behalf of a business, organization, or other legal entity, you represent and warrant that you have authority to bind that entity to these Terms. In such cases, "you" and "your" refer to both you as an individual and the entity on whose behalf you are acting.
2.1 Permitted Use. You may use the Site solely for lawful purposes and in accordance with these Terms, including to learn about FIBS Enterprises, request information, obtain quotes, manage your policies (where available), and communicate with us.
2.2 Prohibited Conduct. You agree that you will not, and will not permit or encourage any third party to:
3.1 Ownership. The Site and its entire contents, features, and functionality (including but not limited to text, graphics, logos, icons, images, audio and video clips, software, and the design, selection, and arrangement thereof) are owned by FIBS Enterprises, its licensors, or other providers of such material, and are protected by copyright, trademark, trade dress, and other intellectual property laws.
3.2 Limited License. Subject to your compliance with these Terms, FIBS Enterprises grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal or internal business purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material on the Site, except as incidental to your ordinary use of the Site or as otherwise expressly authorized in writing by HarborPoint.
3.3 Trademarks. The FIBS Enterprises name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of FIBS Enterprises or its affiliates or licensors. You must not use such marks without the prior written permission of FIBS Enterprises. All other names, logos, product and service names, designs, and slogans on the Site are the trademarks of their respective owners.
4.1 Third-Party Websites. The Site may contain links to third-party websites or resources that are not owned or controlled by FIBS Enterprises. These links are provided solely as a convenience and do not constitute an endorsement, recommendation, or sponsorship of the third-party sites or their content. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
4.2 Third-Party Tools and Integrations. The Site may allow you to access third-party tools, calculators, or integrations. Your use of such tools or services may be subject to additional terms and conditions imposed by the third-party provider. FIBS Enterprises is not responsible for any loss or damage arising from your use of third-party tools, websites, or services.
10.1 "As Is" and "As Available". To the fullest extent permitted by applicable law, the Site and all content, information, and services provided on or through the Site are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. FIBS Enterprises disclaims all warranties, express, implied, statutory, or otherwise, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
10.2 No Warranty as to Accuracy or Availability. Without limiting the foregoing, FIBS Enterprises does not warrant that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components, or that any defects will be corrected. We do not warrant the accuracy, completeness, reliability, or timeliness of any information or content obtained through the Site, and you acknowledge that any reliance on such information or content is at your own risk.
11.1 General Limitation. To the maximum extent permitted by law, FIBS Enterprises shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use or inability to use the service. Our total liability shall not exceed the amount paid by you, if any, for accessing our services.
12.1 These Terms shall be governed by and construed in accordance with the laws of North Carolina, USA, without regard to its conflict of law provisions.
13.1 We may update our Terms of Service from time to time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date at the top..
14.1 If you have any questions about these Terms, please contact us at:
Email: [email protected]