Terms.

This website is provided by Horizon Solutions LLC for general informational purposes. By using it, you agree to use it lawfully and not attempt to interfere with its operation or security.

No professional advice

Website content does not constitute actuarial, legal, insurance, financial, or other professional advice and does not create a client relationship. Any engagement requires a separate written agreement.

Product information

Descriptions of products in development or public beta are forward-looking and may change. FlowRefer provides advisory business research for review by insurance professionals; it does not bind, decline, price, or approve insurance risks. SerffSurf compiles information from public SERFF filings; extracted values should be verified against the underlying filing and do not constitute actuarial advice.

Intellectual property

The site design, writing, marks, and original materials are owned by Horizon Solutions LLC or used with permission. Third-party names and marks remain the property of their respective owners. Shiple is an independent game and is not affiliated with Hasbro or Battleship®.

Availability

The website is provided as available, without a guarantee that it will be uninterrupted, error-free, or complete. Public-source information and links may change. To the extent permitted by law, Horizon Solutions LLC is not liable for indirect, incidental, or consequential damages arising from use of this website.

Governing law

These terms are governed by the laws of the State of Michigan, without regard to conflict-of-law rules.

Contact

Questions about these terms may be sent to hello@horizonsols.com.