Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and SafetyBoat ("we," "us," or "our") governing your use of our website, services, and any related applications or platforms.

By accessing our website, requesting quotes, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Description of Services

SafetyBoat operates as an insurance lead generation and comparison platform. Our services include:

• Providing insurance quotes from multiple providers
• Connecting users with licensed insurance agents
• Offering educational resources about insurance products
• Facilitating communication between users and insurance providers

Important: SafetyBoat is not an insurance company. We do not underwrite, sell, or directly provide insurance policies.

3. User Eligibility and Requirements

To use our services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into binding contracts
• Provide accurate and truthful information
• Be a resident of a jurisdiction where our services are available
• Not be legally prohibited from purchasing insurance

4. User Obligations and Conduct

Accurate Information

You agree to:

• Provide accurate, current, and complete information
• Update information promptly when it changes
• Be honest about your insurance needs and circumstances
• Not misrepresent your identity or eligibility

Prohibited Activities

You may not:

• Use our services for fraudulent or illegal purposes
• Submit false or misleading information
• Interfere with our website's operation or security
• Attempt to access unauthorized areas of our systems
• Use automated tools to access our services without permission
• Violate any applicable laws or regulations

5. Quote Process and Accuracy

Quote Generation

Our quotes are:

• Estimates based on information you provide
• Subject to verification by insurance providers
• Not binding offers or guarantees of coverage
• Valid for a limited time period

Final Pricing and Coverage

Actual insurance premiums and coverage terms are determined by the insurance provider and may differ from initial quotes due to:

• Additional underwriting requirements
• Changes in your circumstances
• Medical examinations or health assessments
• Credit checks or background verification

6. Third-Party Relationships

Insurance Providers

We work with licensed insurance companies and agents. However:

• We do not control their underwriting decisions
• We are not responsible for their services or policies
• Your insurance contract is directly with the provider
• Disputes should be resolved directly with the insurer

Lead Sharing

By requesting quotes, you consent to us sharing your information with relevant insurance providers and licensed agents who may contact you.

7. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in our Privacy Policy.

8. Intellectual Property

All content on our website, including text, graphics, logos, software, and design elements, is owned by SafetyBoat or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Use our trademarks or logos without authorization
• Create derivative works based on our materials
• Reverse engineer our software or systems

9. Disclaimers and Limitations

Service Availability

We strive to maintain service availability but do not guarantee:

• Uninterrupted access to our website
• Error-free operation
• Compatibility with all devices or browsers
• That quotes will always be available

Insurance Advice

We provide information and quote comparison services but do not:

• Provide personalized insurance advice
• Recommend specific policies or providers
• Guarantee the suitability of any insurance product
• Act as your insurance agent or broker

10. Limitation of Liability

To the maximum extent permitted by law, SafetyBoat shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party actions
• Technical failures or service interruptions

Our total liability shall not exceed the amount you paid for our services in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold SafetyBoat harmless from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your infringement of third-party rights
• Any false or misleading information you provide

12. Termination

We may terminate or suspend your access to our services immediately, without prior notice, if you:

• Violate these Terms
• Engage in fraudulent activity
• Misuse our platform
• Request termination

Upon termination, your right to use our services ceases immediately.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website. Your continued use of our services after changes constitutes acceptance of the new Terms.

For significant changes, we will provide advance notice via email or website notification.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of Luxembourg. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of Luxembourg.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and SafetyBoat.