Effective Date:  May 23, 2024

1. Introduction

Welcome to Tarry Insurance Group LLC, also known as Health Care All Year ("Company", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your use of our website and insurance services (collectively, the "Services"). By accessing or using our Services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

2. Legal Compliance

The Company is registered in the state of North Carolina and operates in accordance with all applicable federal, state, and local laws and regulations, including those specific to the insurance industry.

3. Eligibility

By using our Services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are using our Services on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.

4. Insurance Services

We provide a range of insurance products and services through our website

healthcareallyear.com

. The availability of our insurance products is subject to underwriting approval and applicable state laws and regulations.

5. Accounts

To use certain features of our Services, you may need to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to provide accurate and complete information when creating your account and to update your information as necessary.

6. Payment and Fees

All fees for our Services, including premiums for insurance policies, are as described on our website and are subject to change. Payments must be made through the payment methods specified on our website or insurance carrier. You agree to pay all fees and applicable taxes associated with your use of the Services.

7. Refund Policy

Refunds and cancellations for insurance products are governed by the policies of the individual insurance carriers we represent. To request a refund or cancellation, please contact our customer service team with your policy details, and we will guide you through the carrier-specific process.

8. Intellectual Property

All content, trademarks, logos, and intellectual property associated with our Services are the property of the Company or its licensors. You agree not to reproduce, distribute, or create derivative works from our content without our express written permission.

9. Prohibited Uses

You agree not to use our Services for any unlawful purpose or in any way that could damage or impair our Services. Prohibited activities include, but are not limited to:

- Engaging in any form of fraud or deceptive practices- Interfering with the operation of our Services- Attempting to gain unauthorized access to our systems

10. Disclaimers and Limitation of Liability

Our Services are provided "as is" and "as available" without any warranties of any kind. We disclaim all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. In no event shall the Company be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Services.

11. Indemnification

You agree to indemnify and hold harmless the Company, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of the Services or violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state of North Carolina, without regard to its conflict of laws principles. Any disputes arising under or in connection with these Terms shall be resolved in the state or federal courts located in North Carolina.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of the Services after the posting of revised Terms constitutes your acceptance of the changes.

14. Privacy Policy

Your use of our Services is also governed by our Privacy Policy, which is available at

https://privacy.healthcareallyear.com/terms-and-conditions.

Please review our Privacy Policy for information on how we collect, use, and protect your personal information.

15. Contact Us

If you have any questions about these Terms, please contact us at:

Tarry Insurance Group LLC  

Also known as Health Care All Year

16501 Northcross Drive Ste D

Huntersville, NC  28078

704-595-7729