Terms of Use

Acceptance of Terms

By accessing or using the Kalagara Insurance, LLC website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our website.

Use of the Website

You may use this website for lawful purposes only. You agree not to:

• Use the site in any way that violates applicable local, state, or federal laws
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any portion of the website or its servers
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the site

No Insurance Contract

Information provided on this website is for general informational purposes only and does not constitute an offer or binding insurance contract. Coverage is subject to policy terms, conditions, and the underwriting approval of the applicable insurance carrier.

Accuracy of Information

We strive to keep the information on our website accurate and up to date. However, we make no warranties or representations regarding the completeness, accuracy, or reliability of any content. Insurance products, pricing, and availability are subject to change without notice.

Intellectual Property

All content on this website — including text, graphics, logos, and images — is the property of Kalagara Insurance, LLC and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Limitation of Liability

To the fullest extent permitted by law, Kalagara Insurance, LLC shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of — or inability to use — this website or its content.

Third-Party Links

Our website may link to third-party sites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Governing Law

These Terms of Use are governed by the laws of the State of North Carolina without regard to its conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Mecklenburg County, North Carolina.

Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective upon posting to this page. Your continued use of the website following any changes constitutes acceptance of the new terms.

Contact Us

Questions about these Terms? Reach us at: