Terms of Use

Effective date: September 29, 2026

These terms govern your use of this website and the online services Norvalis Group Cargo Underwriters, Inc. (“Norvalis Group”) makes available through it. By opening or using the site you agree to be bound by them, so please read them before going further.

Accepting these terms

Every time you use the site you confirm that you will comply with these terms and with our Privacy Policy, and that both are binding on you.

Who we are

Questions about these terms, or anything you want to raise with us, can be sent to:

Norvalis Group Cargo Underwriters, Inc.
7 E Congress St, Suite 500, Savannah, GA 31401, USA
Email: team@norvalisgroup.com
Phone: +1 (912) 555-0154

Site information is not insurance

The material on this site, from descriptions of cover to the savings calculator and its worked examples for furniture, produce, auto-parts, or building-material shipments, is general information only. Nothing here is a quotation, a binder, a certificate, or an offer to insure. Cover exists only after underwriting is complete, and it is governed by the wording, conditions, exclusions, and endorsements of the policy issued when cover is bound.

Acceptable use

When using this site you agree that you will not:

• Upload, post, email, or otherwise transmit material that infringes anyone’s intellectual property, privacy, publicity, or other rights.
• Distribute content through the site that is unlawful, defamatory, obscene, or otherwise objectionable.
• Interfere with or disrupt the site or the servers and networks that support it.
• Attempt unauthorized access to any part of the site or the systems behind it, whether by hacking, password harvesting, interception, or any similar means.
• Run bots, scrapers, crawlers, or other automated tools against the site without our prior written consent.
• Misrepresent your identity or your authority to act for someone else when requesting a quote or submitting information.

Intellectual property

The text, graphics, logos, icons, photographs, audio, video, data compilations, and software on this site are the property of Norvalis Group or its licensors and are protected by copyright and other intellectual-property laws.

This material is published for your information. Apart from viewing it for your own non-commercial purposes, or as the law otherwise permits, you may not copy, distribute, modify, or reuse it without our prior written permission.

Your duties as a policyholder

Purchasing or binding a policy through Norvalis Group brings the following commitments with it:

1. Follow the coverage rules: the conditions, limits, exclusions, and documentation requirements set out when you sign up, in your policy documents, in endorsements, and in the claims process.
2. Read your policy: it is your responsibility to review the terms that apply to your goods, routings, commodities, and trading activities.
3. Stay current: coverage rules and program guidelines may change. We announce material changes on the site and through your broker, or we write to you at the contact details we hold.
4. Tell us what changes: notify us promptly of changes to your shipping profile, values, commodities, or anything else that could affect cover or premium.
5. Follow the claims procedure: submit claims with the required documentation within the stated deadlines. Missing a step may affect how a claim is decided.
6. Raise disputes with us first: questions about cover or a claim decision should go initially to team@norvalisgroup.com or +1 (912) 555-0154.

What Norvalis Group commits to

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

1. Operate lawfully: running the business in accordance with applicable insurance law and regulation, including fair claims practices and required record keeping.
2. Protect your data: maintaining reasonable safeguards against unauthorized access, alteration, loss, or disclosure of client information, as described in our Privacy Policy.
3. Retain records responsibly: keeping them for the periods law and industry practice require, then deleting or anonymizing them when retention is no longer needed.
4. Speak plainly: giving you clear information about the material terms of cover and about any changes that may affect your policy, wherever practicable.

Links to other sites

The site may link to third-party websites, carrier tools, port systems, or partner platforms. Those services are operated by others; we do not control their content, privacy practices, security, or availability, and your use of them is subject to their own terms.

Disclaimer of warranties

The site and its content are provided “as is” and “as available.” To the fullest extent the law allows, we disclaim warranties of title, merchantability, fitness for a particular purpose, and non-infringement, and we do not promise that the site will operate without interruption or error or be free of harmful code.

Limitation of liability

To the extent the law permits, neither Norvalis Group nor its affiliates, officers, employees, or agents will be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of this website. For direct damages connected with use of the site, our total liability is limited to the greater of the amount you paid us for online services in the twelve months before the claim arose or one hundred U.S. dollars, except where the law does not permit liability to be limited.

Indemnification

You agree to indemnify and hold Norvalis Group harmless from claims, losses, damages, and costs, including reasonable attorneys’ fees, arising from your breach of these terms or misuse of the site, except to the extent caused by our own gross negligence or willful misconduct.

Governing law

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

Amendments

We may revise these terms at any time. Updated terms are posted on this page and take effect when they appear, so check this page from time to time.