Terms and Conditions
These Terms and Conditions ("Terms") govern your use of the Harbor Crest Advisors website and services. By using this website, you agree to these Terms.
About Harbor Crest Advisors
Harbor Crest Advisors provides Medicare education, insurance guidance, consultation scheduling, plan-related information, and customer support services.
Information provided through this website is intended for general educational purposes and should not be considered legal or medical advice. Insurance plan availability, benefits, costs, eligibility, and enrollment requirements may vary and are subject to the terms of the applicable insurance carrier and Medicare program requirements.
Privacy
Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, protect, and share personal information.
Electronic Communications
When you contact Harbor Crest Advisors electronically, including through website forms, email, or text messaging, you consent to receive communications related to your request through the communication methods for which you have provided appropriate consent.
SMS/Text Messaging
Harbor Crest Advisors may send text messages to individuals who have expressly opted in to receive SMS communications.
Depending on the consent provided, messages may include consultation-related communications, appointment confirmations, appointment reminders, scheduling changes, responses to inquiries, educational information, service updates, and promotional communications.
You may cancel SMS messaging at any time by replying STOP. After receiving your STOP request, we may send a confirmation message indicating that you have been unsubscribed. You will no longer receive SMS messages unless you opt in again.
For assistance with the messaging program, reply HELP or contact Harbor Crest Advisors at lcarroll@harborcrestadvisors.com or 984-254-0428.
Message frequency varies. Message and data rates may apply to messages sent to or from Harbor Crest Advisors. Contact your wireless carrier with questions regarding your text or data plan.
Wireless carriers are not liable for delayed or undelivered messages.
Consent to receive text messages is not required to submit a consultation request or receive services from Harbor Crest Advisors.
Age Requirement: You must be 18 years of age or older to opt in to receive SMS/text messages from Harbor Crest Advisors.
For information about how your personal information and SMS-related data are handled, please review our Privacy Policy.
Third-Party Websites and Services
This website may contain links to third-party websites, insurance carriers, government resources, or other services.
Harbor Crest Advisors does not control these third-party websites and is not responsible for their content, availability, privacy practices, or terms and conditions. The inclusion of a third-party link does not necessarily constitute an endorsement.
Certain services may also be provided using third-party technology providers necessary to operate our website, scheduling, communications, or other business services.
Acceptable Use
You agree not to use this website:
- For any unlawful or prohibited purpose
- In a manner that could damage, disable, or interfere with the website
- To attempt unauthorized access to systems, accounts, or information
- To transmit malicious software, harmful content, or fraudulent information
- To violate the rights of Harbor Crest Advisors or any third party
Intellectual Property
Unless otherwise stated, the content of this website, including text, graphics, logos, images, design elements, and other materials, is owned by or licensed to Harbor Crest Advisors and is protected by applicable intellectual property laws.
Website content may be used for personal, non-commercial informational purposes. Content may not be copied, reproduced, distributed, modified, or commercially exploited without prior written permission.
Accuracy of Information
Harbor Crest Advisors makes reasonable efforts to provide accurate and current information. However, Medicare rules, insurance plans, premiums, benefits, provider networks, formularies, and other information may change.
Information on this website should not be relied upon as the sole basis for making an insurance or healthcare decision. Specific plan information should be verified using current plan documents and other applicable official sources.
Disclaimer and Limitation of Liability
The website and its content are provided on an "as available" basis. Harbor Crest Advisors does not guarantee that the website will always be available, error-free, or free from technical interruptions.
To the fullest extent permitted by applicable law, Harbor Crest Advisors will not be liable for indirect, incidental, special, or consequential damages arising from use of, or inability to use, this website.
Nothing in these Terms limits any rights or remedies that cannot legally be limited under applicable law.
Governing Law
These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law principles.
Changes to These Terms and Conditions
Harbor Crest Advisors may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated effective date.
Continued use of the website after changes are posted constitutes acceptance of the revised Terms and Conditions.
Contact Us
If you have questions about these Terms and Conditions, please contact:
Harbor Crest Advisors
8313 Six Forks Rd., Suite 201
Raleigh, NC 27615
Phone: 984-254-0428
Email: lcarroll@harborcrestadvisors.com
Effective as of August 19, 2026