Terms of Use

Effective date: September 29, 2026

These terms set the conditions under which Haldersund Cargo Underwriting, Inc. (“Haldersund”) makes this website and its associated online services available. Opening or using the site means you accept them. Read them before you continue.

How to reach us

If anything in these terms is unclear, or you want to raise a concern, contact:

Haldersund
1102 A Street, Suite 300, Tacoma, WA 98402, USA
Email: protect@haldersund.com
Phone: +1 (253) 555-0148

Your agreement

Each time you use this site you confirm that you will observe these terms of use together with our Privacy Policy, and that both are binding on you.

Website content is not a policy

Everything published here, including descriptions of cover, the savings calculator, worked examples, and industry pages, is general guidance only. Nothing on this site is a quotation, a binder, an offer to insure, or a promise of cover. Cover exists only once underwriting is complete, and it is governed by the wording, conditions, exclusions, and endorsements of the policy issued at binding.

Ownership of site material

The text, graphics, logos, icons, photographs, audio and video, data compilations, and software on this site belong to Haldersund or its licensors and are protected under copyright and other intellectual-property laws.

We publish this material for information. Beyond viewing it for your own non-commercial purposes, or as the law otherwise allows, you may not copy, distribute, modify, or reuse it without our written permission in advance.

What we ask of visitors

While using this site you undertake not to:

• Upload, post, or send material that violates anyone’s intellectual property, privacy, publicity, or other rights.
• Circulate content through the site that is unlawful, defamatory, obscene, or otherwise objectionable.
• Disrupt or interfere with the site or the servers and networks behind it.
• Seek unauthorized entry to any part of the site, or to any account or system behind it, by any means, including hacking or password harvesting.
• Run bots, scrapers, crawlers, or other automated tools against the site without our express written consent.
• Misrepresent your identity or your authority when requesting quotes or submitting details.

Obligations when you hold cover with us

Buying or binding a policy through Haldersund carries the following commitments on your part:

1. Observe the coverage rules: the conditions, limits, exclusions, and paperwork requirements set out at sign-up, in your policy documents, in the claims process, and in any endorsements.
2. Know your policy: it is your job to review the terms that apply to your goods, routes, commodities, and trading activities.
3. Keep up with changes: coverage rules and program guidelines may be revised. We announce material changes on the site or through your broker, or by using the contact details we hold for you.
4. Keep us informed: tell us promptly about changes to your shipping profile, values, commodities, or anything else that could bear on cover or premium.
5. Follow the claims procedure: lodge claims with the required documentation inside the stated deadlines. Skipping steps may affect how a claim is decided.
6. Raise disputes constructively: questions about cover or a claim decision go first to protect@haldersund.com or +1 (253) 555-0148.

What you can expect from Haldersund

In return, as your cargo and shipping insurer, we undertake to:

1. Operate within the rules: running the business in line with applicable insurance law and regulation, including fair claims practices and mandatory record keeping.
2. Guard your data: keeping reasonable safeguards in place against unauthorized access, alteration, disclosure, or loss of client information, as detailed in our Privacy Policy.
3. Retain responsibly: holding records for the periods law and industry practice require, then erasing or anonymizing them once retention is no longer needed.
4. Communicate plainly: giving you clear information about the material terms of cover and any changes that may affect your policy, wherever that is practicable.

External websites and tools

Links on this site may lead to third-party websites, including carrier tools and partner platforms. Those services are run by others; we do not control their content, privacy practices, security, or availability, and your use of them falls under their own terms.

No warranties

The site and its content are supplied “as is” and “as available.” So far as the law allows, we make no warranty of title, merchantability, fitness for a particular purpose, or non-infringement, and we do not promise that the site will run without interruption or error, or be free of harmful code.

Limits on our liability

Where the law permits, neither Haldersund nor its affiliates, officers, employees, or agents will be liable for indirect, incidental, special, consequential, or punitive damages connected with your use of this website. For direct damages related to site use, our aggregate liability is capped at the greater of what you paid us for online services during the twelve months before the claim arose or one hundred U.S. dollars, save where the law does not allow liability to be limited.

Your indemnity to us

You will indemnify and hold Haldersund harmless against claims, losses, liabilities, and costs, including reasonable attorneys’ fees, that result from your breach of these terms or misuse of the site, except to the extent our own gross negligence or willful misconduct caused them.

Law and jurisdiction

These terms are governed by the laws of the State of Washington, United States, without regard to its conflict-of-law rules. Where mandatory local law applies to an insurance contract you hold with us, that law prevails for that contract.

Changes to these terms

We may amend these terms whenever we see fit. Revised terms are posted on this page and take effect as soon as they appear, so please look back from time to time.