Terms of Use

1) Eligibility

You must be able to form a legally binding contract under applicable law to use this Website. If you are using the Website on behalf of a company or other entity,
you represent that you have authority to bind that entity to these Terms.

2) Educational Content Only

The Website provides general informational and educational content about insurance and related topics.
We do not provide legal, tax, financial, medical, or insurance advice, and we are not acting as an insurance carrier, agency, or broker
(unless you explicitly state otherwise elsewhere on the Website).

You are responsible for evaluating the accuracy, completeness, and usefulness of any information on the Website and for consulting qualified professionals
for advice specific to your situation.

3) Intellectual Property

The Website and its content—including articles, text, graphics, logos, design elements, and other materials—are owned by or licensed to insurance.selebsquad.com and are protected by applicable intellectual property laws.

You may view, download, and print pages from the Website for your personal, non-commercial use, provided you do not remove any copyright or proprietary notices.
You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit the Website content for commercial purposes without our prior written permission.

4) Acceptable Use

You agree not to misuse the Website. Prohibited activities include, but are not limited to:

• Violating any applicable laws or regulations
• Attempting to gain unauthorized access to the Website, servers, or systems
• Disrupting the Website’s operation (e.g., malware, denial-of-service, scraping that harms performance)
• Copying or harvesting content in bulk for republishing or training without permission (where prohibited by law)
• Using the Website to post or transmit unlawful, defamatory, or harmful content
• Impersonating any person or entity or misrepresenting affiliation

5) User Submissions

If you submit content to us (such as feedback, comments, emails, or suggestions), you grant us a non-exclusive, worldwide, royalty-free license
to use, reproduce, and display that submission for legitimate business purposes (such as responding, improving the Website, or moderation),
unless you explicitly state otherwise in writing.

You agree not to submit content that is unlawful, confidential (without authorization), or infringing on third-party rights.

6) Third-Party Links and Services

The Website may link to third-party websites or services (for example, insurers, tools, or references). We do not control third-party sites and are not responsible for their content,
products, services, or privacy practices. Your use of third-party sites is at your own risk and subject to their terms and policies.

7) Advertising and Affiliate Relationships

We may display ads (including Google AdSense) and may participate in affiliate marketing programs. This means we may earn revenue when you view ads,
click certain links, or take action with third-party partners.

Advertising and affiliate relationships do not guarantee that any product, provider, or service is appropriate for your situation.
You are solely responsible for evaluating third-party offers and making decisions.

8) Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied.
To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Website will be uninterrupted, secure, error-free, or free of viruses or other harmful components.

9) Limitation of Liability

To the fullest extent permitted by law, insurance.selebsquad.com, its owners, writers, and contributors shall not be liable for any indirect, incidental, special,
consequential, or punitive damages (including loss of profits, data, or goodwill) arising from or related to your use of the Website or reliance on any content,
even if we have been advised of the possibility of such damages.

To the extent liability cannot be excluded under applicable law, our total liability for any claim shall not exceed the amount you paid us (if any) to access the Website in the
twelve (12) months before the event giving rise to the claim.

10) Indemnification

You agree to defend, indemnify, and hold harmless insurance.selebsquad.com and its owners, writers, contributors, and service providers from and against any claims,
liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:
(a) your use of the Website, (b) your violation of these Terms, or (c) your violation of any rights of another.

11) Changes to the Website

We may modify, suspend, or discontinue any part of the Website at any time, with or without notice. We are not liable for any modification, suspension, or discontinuation.

12) Changes to These Terms

We may update these Terms from time to time. We will update the “Last updated” date at the top of this page when changes are made.
Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

• Email: insurance.selebsquad@gmail.com
• Website: https://insurance.selebsquad.com