- 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
- info@blubearonline.com
Effective from: 15th August 2026
Welcome to BluBear Insurance Agency (“BluBear,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to, and use of our website located at https://staging8303.webdemodesigns.com/, our mobile applications, and all related services, features, and content (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Services.
These Terms constitute a legally binding agreement between you and BluBear. We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of our Services following any changes constitutes your acceptance of the revised Terms. Please review these Terms periodically for updates.
You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into this agreement. If you are using our Services on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms.
We reserve the right to refuse service, terminate accounts, or cancel orders at our sole discretion for any reason including but not limited to violations of these Terms or applicable laws.
You may use our Services only for lawful purposes and in accordance with these Terms. You agree to use our Services in a manner that does not:
Violate any applicable federal, state, or local laws or regulations
Infringe upon the rights of others including intellectual property rights
Transmit any viruses, worms, or malicious code
Interfere with or disrupt the operation of our Services
Attempt to gain unauthorized access to our systems or user accounts
Collect or harvest personal information from other users without consent
Impersonate any person or entity or misrepresent your affiliation
Engage in any fraudulent or deceptive activities
You are expressly prohibited from:
Using our Services to obtain insurance quotes or policies through fraudulent means
Submitting false or misleading information in insurance applications
Using automated systems or bots to access our Services
Reverse engineering, decompiling, or disassembling our Services
Creating derivative works based on our Services
Reselling or commercializing our Services without our express permission
Our AI-powered quoting system provides estimates based on the information you provide. All quotes are subject to verification and final approval by insurance carriers. Quotes are not binding offers of coverage and may change based on underwriting review.
When you submit an insurance application, you represent and warrant that all information provided is true, accurate, and complete. Providing false or incomplete information may result in denial of coverage, policy cancellation, or claim denial.
Insurance policies become effective only when we receive payment and issue a binding confirmation. No coverage exists until a policy is issued in writing by BluBear on behalf of the insurance carrier. We reserve the right to reject any application for any reason consistent with applicable law.
You agree to pay all premiums when due. Failure to pay premiums may result in policy cancellation and loss of coverage. We accept various payment methods as indicated on our website. You authorize us to charge your payment method for all applicable fees and premiums.
All content, materials, and intellectual property on our Services including but not limited to text, graphics, logos, images, software, and design are owned by or licensed to BluBear. These materials are protected by copyright, trademark, and other intellectual property laws.
The BluBear name, logo, and all related product and service names are trademarks of BluBear Insurance Agency. You may not use these trademarks without our prior written consent. Any unauthorized use of our trademarks is strictly prohibited.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal or business purposes in accordance with these Terms. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from our Services without our express written permission.
By submitting any content to our Services including comments, feedback, or reviews, you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, adapt, publish, translate, and distribute such content in any media. You represent and warrant that you have all rights necessary to grant this license.
Our Services are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, BluBear disclaims all warranties including but not limited to:
Warranties of merchantability, fitness for a particular purpose, and non-infringement
Warranties that our Services will be uninterrupted, error-free, or secure
Warranties regarding the accuracy, reliability, or completeness of any information
Warranties that any errors or defects will be corrected
We do not guarantee that insurance quotes will be available at the rates shown or that coverage will be issued by any carrier. All quotes and coverage are subject to carrier approval and underwriting requirements.
To the fullest extent permitted by law, BluBear and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Services. This limitation applies whether the claim is based on warranty, contract, tort, or any other legal theory.
In no event shall our total liability to you exceed the total amount of premiums paid by you to us during the six months preceding the event giving rise to the claim.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liability. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless BluBear and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses including reasonable attorneys’ fees arising out of or related to:
Your use of our Services
Your violation of these Terms
Your violation of any applicable laws or regulations
Your infringement of any third-party rights
Any content you submit to our Services
We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you shall cooperate with us in asserting any available defenses.
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you consent to our collection and use of your information as described in our Privacy Policy.
You agree to comply with all applicable data protection laws including but not limited to:
California Consumer Privacy Act (CCPA)
California Privacy Rights Act (CPRA)
Virginia Consumer Data Protection Act (VCDPA)
Other applicable state privacy laws
We implement appropriate technical and organizational measures to protect your personal information. However, no method of transmission over the internet is completely secure. We cannot guarantee absolute security of your information.
Our Services may contain links to third-party websites, applications, or services that are not owned or controlled by BluBear. We provide these links for your convenience and do not endorse or assume responsibility for any third-party content, privacy practices, or services.
You acknowledge that your interactions with third parties are solely between you and such third parties. BluBear is not responsible for any losses or damages arising from your use of third-party services. We encourage you to review the terms and privacy policies of any third-party services you use.
We reserve the right to terminate or suspend your access to our Services at our sole discretion without prior notice for any reason including but not limited to:
Violation of these Terms
Fraudulent or deceptive conduct
Non-payment of premiums
Conduct that harms our business or other users
Request by law enforcement or government authorities
You may terminate your account at any time by contacting us. Upon termination, you will remain responsible for any outstanding payments or obligations. Certain provisions of these Terms shall survive termination including but not limited to intellectual property rights, disclaimer of warranties, limitation of liability, and indemnification.
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 law principles. Any disputes arising out of or related to these Terms shall be resolved in the federal or state courts located in Charlotte, North Carolina.
We encourage you to contact us first to resolve any disputes. If we are unable to resolve the dispute through informal negotiation, you agree to submit it to the exclusive jurisdiction of the courts located in Charlotte, North Carolina.
You agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class, consolidated, or representative action. You waive your right to participate in any class action lawsuit or proceeding against BluBear.
BluBear is a licensed independent insurance agency operating in compliance with state insurance laws and regulations. We hold licenses in the states where we provide services including North Carolina, South Carolina, Florida, Georgia, Virginia, and Tennessee.
We are subject to examination and oversight by state insurance departments. Our agents hold appropriate licenses and continuing education requirements as mandated by law. Any insurance products and services are subject to the terms, conditions, and exclusions of the applicable insurance policies.
You agree to provide complete and accurate information in all insurance applications and communications. You acknowledge that providing false or misleading information may:
Result in denial of coverage
Void your insurance policy
Result in claim denial
Subject of legal penalties
Result in premium adjustments or policy cancellation
By using our Services, you consent to receive communications from us electronically. We may communicate with you by email, text message, or through our website. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.
You may opt out of certain marketing communications by following the unsubscribed instructions provided in such communications. However, you will continue to receive essential communications related to your insurance policies including billing notices, policy updates, and claim-related communications.
If you provide your mobile phone number, you consent to receive SMS and text messages from BluBear regarding your insurance quotes, policies, and claims. Standard message and data rates may apply. You may opt out of text messaging at any time by replying “STOP” to any message.
We will not share your mobile phone number with third parties for marketing purposes without your consent. Your phone number is used solely for communication related to your insurance services.
BluBear is committed to making our Services accessible to all users including those with disabilities. We strive to comply with applicable accessibility standards and guidelines. If you experience any accessibility issues or have suggestions for improvement, please contact us at 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277, (888) 629-3134 , info@blubearonline.com
These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and BluBear regarding your use of our Services. These Terms supersede all prior or contemporaneous communications, agreements, and understandings, whether written or oral.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms must be in writing and signed by an authorized representative of BluBear.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without your consent to any affiliate or successor entity.
We shall not be liable for any failure to perform our obligations under these Terms if such failure is caused by circumstances beyond our reasonable control including but not limited to acts of God, natural disasters, pandemics, war, terrorism, government action, labor disputes, or technical failures.
If you have any questions, concerns, or requests regarding these Terms, please contact us:
BluBear Insurance Agency
7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
Phone: (888) 629-3134
Email: info@blubearonline.com
BluBear Insurance Agency holds the following insurance licenses:
North Carolina Insurance License #1234567
South Carolina Insurance License #7654321
Florida Insurance License #9876543
Georgia Insurance License #3456789
Virginia Insurance License #5678910
Tennessee Insurance License #8910111
Our licensed agents are available to answer your insurance questions and provide professional guidance. Please verify agent licensing through your state’s insurance department website.
California residents have specific rights under California law including:
Right to access information about our data practices
Right to request deletion of personal information
Right to opt-out of the sale of personal information
Right to non-discrimination for exercising rights
We do not sell personal information to third parties. California residents may exercise their rights by contacting us at [enter detail].
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. You further acknowledge that these Terms, along with our Privacy Policy, constitute the entire agreement between you and BluBear regarding your use of our Services.
