1. Purpose and acceptance
These terms govern use of the Blackshore Financial website. By using the site, you agree to use it lawfully and consistently with these terms. If you do not agree, do not use the site.
Blackshore Financial refers to Blackshore financial L.L.C., a Minnesota domestic limited liability company (File No. 1626850500022). General website inquiries are routed to Nicholas Cherry, an individually licensed insurance producer (NPN 22076207); the company does not hold a separate NPN.. The Minnesota Secretary of State lists the entity as Active / In Good Standing; view the official business filing. Business registration is not proof of an insurance license, producer authority, carrier appointment, or product availability.
2. No application, offer, or coverage
Website content and a consultation request are not an insurance application, quote, binder, contract, or promise of eligibility or coverage. No insurance is in force unless an issuing insurer approves an application and all insurer and policy requirements are satisfied.
Product availability, features, premiums, eligibility, and underwriting vary by insurer, policy, state, age, health, and other approved underwriting factors.
3. General educational information
Content is general insurance education and may not address your circumstances. It is not legal, tax, investment, fiduciary, accounting, medical, or estate-planning advice. The insurance contract and current insurer-approved materials control over any website summary.
Do not cancel, surrender, lapse, borrow from, exchange, or replace existing coverage based on this site. Existing coverage should remain in force until any new coverage is approved, accepted, delivered, and in force.
4. Acceptable use
Do not interfere with the site, bypass security controls, submit another person’s information without authority, introduce malicious code, scrape the site in a harmful manner, or use the form for unlawful or misleading communications.
Do not submit Social Security numbers, health or medical information, account or policy numbers, financial-account information, or other sensitive records through the contact form.
5. External links
External links are provided for convenience and education. Their operators control their content, availability, privacy practices, and terms. A link does not imply endorsement, affiliation, or approval.
6. Content and brand materials
The site design, text, and brand materials are protected by applicable intellectual-property laws. You may view and print reasonable portions for personal, noncommercial use, but may not misrepresent, republish, or commercially exploit them without permission.
7. Availability and limitations
The site may be changed, interrupted, or unavailable. Reasonable efforts are made to keep content accurate and secure, but no website can be represented as error-free or absolutely secure. The limitations in these approved terms apply to the extent permitted by applicable law.
8. Governing law
These terms are governed by the laws of the State of Minnesota, except that mandatory consumer protections and insurance laws of another applicable jurisdiction continue to apply.
9. Changes and contact
These terms may be updated when the website or applicable practices change. The revision date will be updated.
Questions or notices about these terms may be sent by email info@blackshorefinancial.com. Do not send Social Security numbers, health information, policy numbers, financial details, or other sensitive records.
Business address: 1740 Olene Ave N, Stillwater, MN 55082-1834.