Terms of Use

Last updated: May 18, 2026

Thank you for visiting FjordMetric. We provide this website and related services subject to the following terms of use. By accessing or using our site, you agree to these terms. Please read them carefully.

Copyright and site content

The content of this website — including text, graphics, logos, icons, images, audio or video clips, data compilations, and software — is owned by or licensed to FjordMetric and is protected by applicable copyright and intellectual property laws.

Content is provided for informational purposes. You may not use, distribute, or reproduce material from this site without our prior written consent, except for personal, non-commercial viewing or as otherwise permitted by law.

Not an offer of insurance

Information on this website, including coverage descriptions, calculators, and examples, is general in nature and does not constitute a quote, binder, or offer of insurance. Coverage is subject to underwriting, policy terms, conditions, exclusions, and endorsements issued at the time of binding.

Your responsibilities

As a user of this website, you agree not to:

• Upload, post, or transmit material that infringes intellectual property, privacy, publicity, or other rights of any person or entity.
• Use the site to distribute material that is unlawful, defamatory, obscene, or otherwise objectionable.
• Interfere with or disrupt the website, servers, or networks connected to the site.
• Attempt unauthorized access to any portion of the site, accounts, or systems through hacking, password mining, or similar means.
• Use automated tools (robots, scrapers, spiders) to access the site without our express written permission.
• Misrepresent your identity, affiliation, or authority when requesting quotes or submitting information.

Coverage rules and policy terms

If you purchase or bind coverage with FjordMetric, you agree to:

1. Follow applicable coverage rules — including conditions, limits, exclusions, and documentation requirements provided at sign-up, in your policy documents, or when filing a claim.
2. Understand your policy — you are responsible for reviewing terms that apply to your shipments, commodities, routes, and business activities.
3. Stay informed of updates — we may update coverage rules or program guidelines. Material changes will be communicated through the website, your broker, or contact details on file.
4. Provide accurate information — notify us promptly of changes to your shipping profile, values, commodities, or other facts that may affect coverage or premium.
5. Comply with the claims process — submit claims with required documentation within stated timeframes. Failure to follow claims procedures may affect outcomes.
6. Resolve disputes in good faith — questions about coverage or claim decisions should be directed to coverage@fjordmetric.com or +1 (509) 463-6238.

Our responsibilities

As a provider of cargo and shipping insurance services, FjordMetric commits to:

1. Regulatory compliance — conducting operations in accordance with applicable insurance laws and regulations, including fair claims handling and required record retention.
2. Data protection — implementing reasonable safeguards against unauthorized access, alteration, or disclosure of client information, as described in our Privacy Policy.
3. Retention and anonymization — retaining records for periods required by law and industry practice, then taking appropriate steps to delete or anonymize data when retention is no longer necessary.
4. Transparent communication — providing clear information about programs, material coverage terms, and changes that may affect your policy where practicable.

Third-party links and tools

Our site may link to third-party websites, carrier tools, or partner platforms. We are not responsible for the content, privacy practices, or availability of external sites. Use of third-party services is subject to their own terms.

Disclaimer of warranties

This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

Limitation of liability

To the extent permitted by law, FjordMetric and its affiliates, officers, employees, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of this website. Our total liability for direct damages related to site use shall not exceed the amount you paid us for online services in the twelve months preceding the claim, or one hundred U.S. dollars, whichever is greater, except where liability cannot be limited by law.

Indemnification

You agree to indemnify and hold harmless FjordMetric from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your violation of these terms or misuse of the website, except to the extent caused by our gross negligence or willful misconduct.

Governing law

These terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles, except where mandatory local law applies to insurance contracts you hold with us.

Your consent

By using our site, you agree to comply with and be bound by these terms of use and our Privacy Policy.

Updates to these terms

We reserve the right to update or modify these terms at any time. Amendments will be posted on this page and are effective upon posting. Please review this page periodically for changes.

Contact us

Questions about these terms may be directed to:

FjordMetric
6206 E Trent Ave, Spokane Valley, WA 99212, USA
Email: coverage@fjordmetric.com
Phone: +1 (509) 463-6238