Terms & Conditions

Introduction

By accessing this Website, we assume you accept these terms and conditions in full. Do not continue to use the Website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your" refers to you, the person accessing this Website and accepting the Company's terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and ourselves, or either the Client or ourselves.

License

You may view and/or print pages from the Website for your own personal use subject to restrictions set in these terms and conditions.

You must not:

1. Republish material from this Website
2. Sell, rent or sub-license material from the Website
3. Reproduce, duplicate or copy material from the Website
4. Redistribute content from this Website (unless content is specifically made for redistribution)

Restrictions

• Unauthorized Publication: Publishing any Website material in any other media without our express written permission.
• Commercial Use: Selling, sublicensing, and/or otherwise commercializing any Website material.
• Public Display: Publicly performing and/or showing any Website material.
• Harmful Use: Using the Website in any way that is or may be damaging to the Website.
• Access Interference: Using the Website in any way that impacts user access to the Website.
• Illegal Activities: Using the Website contrary to applicable laws and regulations, or in any way that may cause harm to the Website, or to any person or business entity.
• Data Exploitation: Engaging in any data mining, data harvesting, data extracting, or any other similar activity in relation to the Website.
• Unauthorized Marketing: Using the Website to engage in any advertising or marketing without our express written consent.
• Automated Access: Using any automated system, including "robots", "spiders", or "offline readers" to access the Website.
• Reverse Engineering: Attempting to reverse engineer, decompile, or disassemble any portion of the Website.

Your Content

In these terms and conditions, "Your Content" shall mean any audio, video text, images, or other material you choose to display on this Website. By displaying Your Content, you grant us a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate, and distribute it in any and all media.

Your Content must be your own and must not be invading any third-party's rights. We reserve the right to remove any of Your Content from this Website at any time without notice.

Content Standards

Your Content must comply with the following standards:

• Must not be defamatory, obscene, offensive, hateful, or inflammatory
• Must not promote sexually explicit material, violence, or discrimination
• Must not infringe any copyright, database right, trademark, or other intellectual property right
• Must not be likely to deceive any person
• Must not promote any illegal activity
• Must not give the impression that they emanate from us

No Warranties

We do not warrant that:

• The Website will be constantly available, or available at all
• The information on this Website is complete, true, accurate, or non-misleading
• The services offered through this Website will meet your specific requirements
• The Website will be free from viruses or other harmful components
• The Website will be compatible with all hardware and software configurations

Nothing on this Website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial, or medical matter you should consult an appropriate professional.

Limitation of Liability

We shall not be liable for any indirect, consequential, or special liability arising out of or in any way related to your use of the Website, including but not limited to:

• Loss of profits, sales, business, or revenue
• Business interruption
• Loss of anticipated savings
• Loss of business opportunity, goodwill, or reputation
• Any indirect or consequential loss or damage

Our total liability to you for all losses, damages, and causes of action (whether in contract, tort, or otherwise) shall not exceed the amount paid by you, if any, for accessing this Website.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

1. Your violation of these Terms & Conditions
2. Your use of the Website, including, but not limited to, Your Content
3. Any use of the Website's content, services, and products other than as expressly authorized in these Terms & Conditions
4. Your violation of any rights of a third party

Severability

If any provision of these terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein. The remaining provisions of these Terms & Conditions will remain in full force and effect.

If any court or competent authority finds that any provision of these Terms & Conditions (or part of any provision) is invalid, illegal, or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these Terms & Conditions will not be affected.

Variation of Terms

We may revise these Terms & Conditions from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter.

Your continued use of the Website following the posting of revised Terms & Conditions means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

Notification of Changes

While we may notify you of material changes to these Terms & Conditions, it is your responsibility to review these Terms & Conditions periodically for changes. Your continued use of the Website after any change in these Terms & Conditions will constitute your acceptance of such change.

Entire Agreement

These terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between us in relation to your use of this Website and supersede all prior agreements and understandings with respect to the same.

These Terms & Conditions, together with our Privacy Policy and any other legal notices published by us on the Website, shall constitute the entire agreement between you and us concerning the Website.

No Third-Party Rights

These Terms & Conditions are between you and us. No other person shall have any rights to enforce any of its terms.

Governing Law & Jurisdiction

Any legal suit, action, or proceeding arising out of, or related to, these Terms & Conditions or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York, in each case located in the City of New York and County of New York.

You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

International Users

The Website is controlled, operated, and administered by InsureVibe Solutions from our offices within the USA. If you access the Website from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Website content in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.

Contact Us

If you have any questions or comments about these Terms & Conditions, please contact us. We are committed to responding to legal inquiries in a timely manner.

Last Updated

These Terms & Conditions were last updated on February 26, 2026.