Terms & Conditions

           Last Updated: April 2026

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Please read these Terms and Conditions ("Terms") carefully before using the SymphonyCross website, located at [www.SymphonyCross.com] ("Site"), or accessing any content, resources, or services provided through this platform.

By accessing or using this Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use this Site.

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1. About This Site

SymphonyCross is a consumer education and insurance-related guidance platform operated as a marketing brand. The Site is designed to help individuals, families, and business owners better understand insurance options, compare coverage considerations, and prepare for conversations with licensed insurance professionals. SymphonyCross does not sell, bind, or guarantee insurance coverage directly through this website.

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2. Informational Purpose Only

All content on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes insurance advice, a solicitation to purchase insurance, a quote, an offer of coverage, or a binding agreement of any kind. Coverage availability, eligibility, premiums, benefits, exclusions, limitations, and underwriting requirements vary by carrier, product, state, and individual applicant.

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3. No Professional Relationship

Use of this Site does not create a client relationship, producer-client relationship, or any professional obligation between SymphonyCross and the user. Any engagement with a licensed insurance professional facilitated through this platform is governed by separate agreements between the user and that professional.

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4. Accuracy of Information

SymphonyCross makes reasonable efforts to ensure that all information on this Site is accurate and current. However, insurance regulations, product availability, carrier offerings, and state requirements change frequently. SymphonyCross does not warrant the completeness, accuracy, or timeliness of any information on this Site. Users are encouraged to verify information with a licensed insurance professional before making any coverage decisions.

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5. User Conduct

By using this Site, you agree not to:

• Submit false, misleading, or fraudulent information through any form or communication channel

• Attempt to gain unauthorized access to any portion of the Site

• Use the Site for any unlawful purpose or in violation of any applicable federal, state, or local regulation

• Reproduce, distribute, or commercially exploit any content from this Site without express written permission

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6. Intellectual Property

All content on this Site — including text, graphics, logos, brand marks, and design elements — is the intellectual property of SymphonyCross or its licensed content providers and is protected under applicable copyright and trademark law. Unauthorized use is strictly prohibited.

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7. Third-Party Links

This Site may contain links to third-party websites for informational convenience. SymphonyCross does not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Users access third-party links at their own risk.

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8. Limitation of Liability

To the fullest extent permitted by applicable law, SymphonyCross, its owners, officers, agents, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of — or inability to use — this Site or any content provided herein.

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9. Governing Law

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Pennsylvania.

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10. Changes to These Terms

SymphonyCross reserves the right to update or modify these Terms at any time. Continued use of the Site following any changes constitutes your acceptance of the revised Terms. The "Last Updated" date at the top of this page reflects the most recent revision.

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11. Contact

For questions regarding these Terms, please contact us at:
Email: Care.Team@symphonycross.com
Phone: 866-651-0538
Mailing Address: PO Box 44 Whitehall PA 18052

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