Effective October 22, 2026 · HAVRYO
These Terms of Use apply to your use of havryo.com. By accessing or using the site, you agree to use it lawfully and acknowledge the limitations described below.
1. Educational purpose
HAVRYO provides homeowner education, general insurance-related information, checklists and planning tools. HAVRYO is not an insurer, insurance agency, law firm, licensed claims adjuster, engineer or roofing contractor. Content is not individualized professional advice, an insurance quote, a policy interpretation or a guarantee of coverage.
2. Verify important information
Insurance rules, policy language, insurer procedures, deadlines, grant programs and prices change. We try to provide helpful information but cannot warrant that every page is complete, current or suited to your specific circumstances. Review your actual insurance documents and obtain guidance from qualified professionals and current official sources before acting.
3. Your safety and decisions
Do not climb onto a damaged roof, enter unsafe structures or perform hazardous repairs based on anything on this site. In emergencies, contact appropriate services. Follow your policy's notice and documentation requirements and applicable local regulations.
4. Interactive tools and estimates
Checklists, decision guides, calculators and sample outputs are educational aids. They do not guarantee claim approval, insurance eligibility, reimbursement, contractor pricing, mitigation discounts or program benefits.
5. Third-party resources
We may link to regulators, public resources, professional organizations and other sites. Third parties independently control their products, services, statements and practices. Links do not necessarily constitute an endorsement.
6. Intellectual property
Unless otherwise stated, the HAVRYO name, original content and site tools are intended for personal, noncommercial reference. You may share links and appropriately attributed short excerpts. Substantial copying or redistribution of proprietary materials requires permission, subject to applicable law.
7. Acceptable use
Do not misuse the site, interfere with its security or availability, impersonate others, send spam, attempt unauthorized access or submit unlawful or malicious material through our contact form.
8. Warranties and liability
To the extent permitted by applicable law, the website is provided “as is” and “as available,” without a guarantee of continuous availability or fitness for a specific purpose. We are not liable for decisions made solely on the basis of general website information. Nothing in these Terms excludes rights or liability that cannot lawfully be excluded.
9. Privacy
Information handling is addressed in our Privacy Policy.
10. Changes and contact
We may amend these Terms as the website evolves. Questions about these Terms or corrections can be sent to contact@havryo.com or through our Contact page.