Welcome to Insurance Hub. By accessing and using our website (www.insurancehub.com), you ("user" or "you") agree to comply with and be bound by the following terms and conditions ("Terms"). Please read them carefully before using our website. If you do not agree to these Terms, you must not use the website.
1. Acceptance of Terms
By using this website, you affirm that you are at least 18 years old, or you are using the website under the supervision of a parent or legal guardian who agrees to these Terms. We reserve the right to update, modify, or change these Terms at any time without notice. Any such changes will be effective immediately upon posting. It is your responsibility to review these Terms periodically to stay informed of any updates.
2. Use of the Website
Insurance Hub provides information related to insurance products, trends, and insights to help users make informed decisions about their insurance needs. Our website is for informational purposes only, and we do not offer specific insurance services, products, or consultations. You agree to use the website only for lawful purposes and not to engage in any activity that may damage, disable, overburden, or impair the website or interfere with any other party's use and enjoyment of the website.
You may not:
- Attempt to gain unauthorized access to any part of the website or the systems connected to the website.
- Use the website for any fraudulent or unlawful activities.
- Post or transmit any content that is illegal, offensive, or infringes on the rights of others.
- Use any robot, spider, scraper, or other automated means to access the website.
3. Content Ownership
All content, including but not limited to text, images, graphics, videos, and other materials provided on the website, is the property of Insurance Hub or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, transmit, display, or create derivative works based on any content from the website without our explicit consent.
4. User-Generated Content
By submitting comments, reviews, or other content to the website, you grant Insurance Hub a worldwide, non-exclusive, royalty-free license to use, modify, reproduce, and display your content. You warrant that the content you submit is accurate, lawful, and does not infringe on the rights of any third party.
You acknowledge that Insurance Hub has the right to remove any user-generated content that it deems inappropriate, offensive, or that violates these Terms.
5. Privacy and Data Collection
Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. By using the website, you agree to the collection and use of your data as outlined in our Privacy Policy.
We do not sell, rent, or share your personal information with third parties without your consent, except as necessary to comply with the law or as described in our Privacy Policy.
6. Third-Party Links
Our website may contain links to third-party websites for your convenience and informational purposes. These links do not imply that Insurance Hub endorses or is responsible for the content, products, or services offered by third parties. You agree that your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.
7. Disclaimers and Limitation of Liability
The information provided on Insurance Hub is intended for general informational purposes only. We make no representations or warranties, express or implied, regarding the accuracy, reliability, or completeness of the content on the website. Insurance Hub does not provide professional insurance advice and is not a licensed insurance provider. You should always consult with a licensed insurance agent or provider for specific advice or recommendations regarding your insurance needs.
In no event will Insurance Hub be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the website or reliance on any information provided on the website, even if we have been advised of the possibility of such damages.
8. Indemnification
You agree to indemnify, defend, and hold harmless Insurance Hub, its affiliates, employees, agents, and licensors from any claims, losses, liabilities, expenses, or damages, including reasonable attorneys’ fees, arising out of your use of the website or violation of these Terms.
9. Termination
We may terminate or suspend your access to the website at our sole discretion, without notice, for any reason, including if you violate these Terms or engage in any activity that is harmful to the website or its users. Upon termination, all provisions of these Terms that by their nature should survive termination will remain in effect.
10. Governing Law
These Terms and your use of the website will be governed by and construed in accordance with the laws of the USA, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in the USA for the resolution of any disputes arising out of or in connection with these Terms.
11. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. We will attempt to replace the invalid or unenforceable provision with a valid provision that reflects our intent.
12. No Waiver
The failure of Insurance Hub to enforce any provision of these Terms will not be deemed a waiver of that provision or any other provision.
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