Welcome to MyWebInsurance (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, and any services, products, or content provided through the Site. By accessing or using the Site, you (“you” or “User”) agree to be bound by these Terms. If you do not agree, please do not use the Site.
Overview of Terms and Conditions
1. Use of the Site
- Eligibility: You must be at least 18 years old and have the legal capacity to enter into contracts to use the Site. By using the Site, you represent that you meet these requirements.
- Permitted Use: The Site is intended for personal, non-commercial use to explore insurance and financial products. You may not use the Site for any unlawful or unauthorized purpose.
- Prohibited Activities: You agree not to:
- Use the Site to engage in fraudulent, deceptive, or illegal activities.
- Attempt to gain unauthorized access to our systems or data.
- Copy, distribute, or modify any content from the Site without permission.
- Use automated tools (e.g., bots, scrapers) to access or collect data from the Site.
2. Services and Products
- Insurance and Financial Services: MyWebInsurance provides information, quotes, and access to insurance and financial products. We are not an insurer or financial institution; we act as an intermediary to connect you with third-party providers.
- No Guarantees: Information provided on the Site, including quotes or product details, is for informational purposes only and subject to change. We do not guarantee the accuracy, completeness, or availability of any product or service.
- Third-Party Providers: Any agreements or contracts for insurance or financial products are between you and the third-party provider, not MyWebInsurance. We are not responsible for the terms, performance, or outcomes of such agreements.
3. User Accounts
- Account Creation: To access certain features, you may need to create an account. You agree to provide accurate, current, and complete information during registration.
- Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately of any unauthorized use.
- Termination: We reserve the right to suspend or terminate your account at our discretion, including for violation of these Terms.
4. Intellectual Property
- Ownership: All content on the Site, including text, logos, graphics, and software, is owned by or licensed to MyWebInsurance and protected by copyright, trademark, and other laws.
- Limited License: You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal purposes. You may not reproduce, distribute, or create derivative works from our content without express permission.
5. Privacy
Your use of the Site is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you consent to our data practices as described in the Privacy Policy.
6. Disclaimers
- As-Is Basis: The Site and its content are provided “as is” without warranties of any kind, express or implied, including warranties of accuracy, reliability, or fitness for a particular purpose.
- No Financial Advice: Information on the Site is not intended as financial, investment, or insurance advice. Consult a qualified professional before making financial decisions.
- Third-Party Links: The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these sites.
7. Limitation of Liability
To the fullest extent permitted by law:
- MyWebInsurance, its affiliates, and their respective officers, directors, and employees will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or any services.
- Our total liability for any claim related to the Site or services will not exceed the amount you paid us, if any, for the specific service giving rise to the claim.
8. Indemnification
You agree to indemnify, defend, and hold harmless MyWebInsurance and its affiliates from any claims, losses, or damages, including legal fees, arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.
9. Termination
We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Site will cease immediately.
10. Governing Law and Dispute Resolution
- Governing Law: These Terms are governed by the laws of [Insert Jurisdiction, e.g., “the State of California, USA”], without regard to conflict of law principles.
- Dispute Resolution: Any disputes arising from these Terms or your use of the Site will be resolved through binding arbitration in [Islamabad] , in accordance with the rules of [Insert Arbitration Body, e.g., “the American Arbitration Association”]. You waive any right to participate in a class action lawsuit or class-wide arbitration.
11. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on the Site with the “Last Updated” date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
12. Contact Us
If you have questions about these Terms, please contact us at:
Email: itswebsiteowner@gmail.com