Terms & Conditions

1. Acceptance of Terms

By accessing or using the Hado Insurance website, you acknowledge that you have read, understood, and agree to these Terms & Conditions.

If you do not agree with these terms, please discontinue use of the website.

2. Website Purpose

The Hado Insurance website provides general information about insurance services and provides visitors with a way to contact Hado Insurance by telephone.

Website content is provided for general informational purposes and should not be considered a binding insurance policy, contract, quote, or guarantee of coverage.

3. Insurance Information

Insurance availability, eligibility, pricing, coverage, exclusions, limits, deductibles, and other terms may vary based on individual circumstances and applicable requirements.

Actual coverage is governed by the applicable insurance policy and its terms, conditions, limitations, and exclusions.

4. No Guarantee of Coverage

Information presented on this website does not guarantee that any particular insurance coverage will be available to you or that a specific rate, premium, limit, or policy term will apply.

5. Telephone Contact

The website provides telephone links intended to make it easier for visitors to contact Hado Insurance.

Calling Hado Insurance does not by itself create an insurance contract. Any insurance relationship is subject to applicable documentation and policy terms.

6. Website Content

We make reasonable efforts to keep website information useful and current. However, we do not guarantee that all website content will always be complete, accurate, current, or free from errors.

7. Intellectual Property

Unless otherwise stated, website content including text, graphics, logos, design elements, and other materials may belong to Hado Insurance or its licensors.

You may not reproduce, distribute, modify, publish, or commercially exploit website content without appropriate authorization.

8. Prohibited Use

You agree not to use the website for unlawful purposes or in a manner that could damage, disable, overburden, or interfere with the website or its availability.

9. Third-Party Links

The website may contain links or references to third-party websites or services. Hado Insurance does not control and is not responsible for third-party websites, content, availability, or privacy practices.

10. Disclaimer

To the extent permitted by applicable law, the website and its content are provided on an "as available" basis without warranties that the website will always be uninterrupted, secure, accurate, or error-free.

11. Limitation of Liability

To the extent permitted by applicable law, Hado Insurance will not be responsible for indirect, incidental, special, consequential, or other damages arising from your use of or inability to use the website.

12. Privacy

Your use of this website is also subject to our Privacy Policy , which explains how information may be handled.

13. Changes to These Terms

Hado Insurance may modify these Terms & Conditions from time to time. Updated terms will be posted on this page. Your continued use of the website after changes are posted may constitute acceptance of the updated terms.

14. Governing Law

These terms are intended to be interpreted according to applicable laws and regulations. The applicable jurisdiction may depend on the legal structure and location of the business.

15. Contact Us