1. Acceptance of terms
By using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the website.
2. Informational purpose only
Website content is general information and is not legal, tax, financial or medical advice. It is not an insurance policy, contract, binder, quote or guarantee of coverage, eligibility, premium, benefits or claims payment.
3. No coverage is created
Submitting a form, requesting information, communicating with Nektar or receiving preliminary information does not create an insurance contract or bind coverage. Coverage becomes effective only when confirmed in writing by an authorized insurer and all applicable requirements are satisfied.
4. Accuracy and availability
Insurance products, rates, eligibility, benefits, exclusions and availability vary by carrier, product, location and individual circumstances and may change. Final terms are governed exclusively by the issued policy and carrier documents.
5. Your responsibilities
You agree to provide accurate information, use the website lawfully and not attempt to interfere with its security or operation. Do not submit another person’s information without authorization.
6. Intellectual property
The Nektar name, branding, design, text and other original website materials are owned by or licensed to Nektar Insurance Agency, Inc. and may not be copied or used without permission, except for ordinary personal use of the website.
7. Third-party services and links
The website may link to or rely on third-party websites and services. Nektar does not control and is not responsible for their content, availability, privacy practices or terms.
8. Disclaimer of warranties
The website is provided on an “as is” and “as available” basis to the fullest extent permitted by law. We do not warrant that it will always be uninterrupted, error-free or completely secure.
9. Limitation of liability
To the fullest extent permitted by law, Nektar will not be liable for indirect, incidental, special, consequential or punitive damages arising from website use. Nothing in these terms limits liability that cannot legally be limited.
10. Governing law
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
11. Contact
Questions may be sent to sergio@nektarinsurance.com.