Terms of Service

The Terms of Service Agreement

1. Acceptance of Terms
By accessing, browsing, or utilizing the website [https://sharpindemnitygroup.com/](https://sharpindemnitygroup.com/) (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you must refrain from using the Site.

2. Informational Purposes Only & No Legal Advice
Sharp Indemnity Group operates as a licensed Public Insurance Adjusting firm. We are experts in the forensic valuation of property damage, policy interpretation, and insurance claim negotiation. We are not a law firm, and our representatives are not attorneys.
Nothing on this Site should be construed as legal advice. The content provided is strictly for informational and educational purposes regarding property insurance claims. If your claim involves complex legal litigation, you should consult with a qualified attorney in your jurisdiction.

3. No Guarantee of Results
Insurance claims are highly complex and dependent on the specific language of your individual policy, the exact nature of the loss, and state-specific regulations. Any case studies, past settlements, or testimonials featured on this Site are accurate representations of past performance; however, they do not constitute a promise, warranty, or guarantee of a similar outcome or specific financial recovery for your individual claim.

4. Establishment of the Adjuster-Client Relationship
Submitting a confidential inquiry through our Contact Us page, sending an email, or calling our Kalamazoo headquarters does not instantly create a fiduciary public adjuster-client relationship. We only formally represent a commercial entity or private policyholder after a written contract—compliant with the Department of Insurance regulations in Michigan, Ohio, or Indiana—has been fully executed by all relevant parties.

5. Intellectual Property & Copyright
All content, branding, textual blueprints, graphics, logos, and digital assets on this Site are the exclusive intellectual property of Sharp Indemnity Group. You may not copy, reproduce, distribute, or create derivative works from this Site without explicit, written permission from our corporate office.

6. Limitation of Liability
To the maximum extent permitted by applicable law, Sharp Indemnity Group, its officers, employees, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this Site. This includes, but is not limited to, reliance on the information provided, digital transmission errors, or temporary website unavailability.

7. Governing Law and Jurisdiction
These Terms of Service, and any disputes arising directly from the use of this website, shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any legal action related to the usage of this website shall be brought exclusively in the state or federal courts located in Kalamazoo County, Michigan. (Note: This applies to the website's terms; individual claim representation is governed by the state where the property is located).

8. Amendments to these Terms
Sharp Indemnity Group reserves the right to modify, update, or replace these Terms of Service at any time without prior notice. Continued use of the Site following any changes constitutes your binding acceptance of the new terms.