THIS AGREEMENT, WHICH IS LEGALLY BINDING, AFFECTS YOUR RIGHTS AND LIMITS OUR LIABILITY PLEASE CAREFULLY READ IT. YOU ARE CONFIRMING YOUR AGREEMENT WITH THESE TERMS BY USING OUR WEBSITE. AVOID OUR SITE IMMEDIATELY IF YOU DO NOT AGREE TO THE TERMS DESCRIBED HEREIN.

This Terms and Conditions Agreement ("Terms and Conditions") sets forth the legal terms and conditions under which you may use our website ("Site"), which is owned by Vellko Media PVT LTD. (the "Company," "we," or "us"). You acknowledge that you have read and understand these Terms & Conditions by using our Site. Please read our Privacy Policy before contacting us with any inquiries about how we handle the data we collect from your usage of the site. You consent to being governed by the terms of the Privacy Policy, whose provisions are incorporated herein by this reference, by using the Site and the Service. The Company fully reserves any rights not expressly granted hereunder.

NOTE: THIS SITE IS NOT INTENDED FOR USE BY CHILDREN UNDER THE AGE OF 13. By using this site, you are confirming that you are above the age of 13.

Site and Service Description

Based on your information, the Site offers a referral service (the "Service") that connects customers with potential service providers for the marketing of insurance products, home improvement projects, and other consumer services. NOTE: We make no representations or warranties as to the accuracy, completeness, reliability, timeliness, or suitability of any information provided by or through this Site. Only informational and entertainmental purposes are served by the website's content. We disclaim all responsibility for any inaccurate or incomplete information found on the Site or in our communications.

Trademark & Copyright

The trademarks, service marks, logos, and all Content (collectively, "Protected Content") used and displayed on this Site are registered and unregistered marks of the Company and others or are otherwise protected by copyright laws. Nothing on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark without our prior, written permission. The Company hereby grants you a non-exclusive, non-transferable, revocable, limited license to access and use the Site under the terms set forth below. The Site and the Content, including, but not limited to, text, data, reports, opinions, software (including HTML-based computer programs), images, photos, graphics, graphs, charts, animations and video displayed on the Site may be used only for your personal and non-commercial use. Except as otherwise permitted under these Terms and Conditions, you agree not to copy, reproduce, modify, create derivative works from, or store any Content, in whole or in part, from the Site or to display, perform, publish, distribute, transmit, broadcast or circulate any Content to anyone, or for any commercial purpose, without our express prior written consent.

Termination of License

We reserve the right to terminate the License granted herein and deny you access to the Site in our sole discretion, without any advance notice or liability to you and liability if we believe your conduct fails to conform with these Terms and Conditions. We also reserve the right to investigate suspected violations of these Terms and Conditions, including, without limitation, any violation arising from any e-mails you send to us. Any violation of these Terms and Conditions may be referred to law enforcement authorities. The termination of your License and account will not affect any additional right or relief to which we may be entitled, at law or in equity. Upon termination of these Term and Conditions, all rights granted to you will automatically terminate and immediately revert to the Company.

General Prohibitions

You may not do any of the following:

(a) Reverse engineer, reverse assemble, copy, modify, make a derivative work of, or otherwise attempt to ascertain the source code of the Site;

(b) the copyright notice and any other notices associated with the content that is accessible through the site should be removed or obscured;

(c) interfere with or disrupt the Site, any linked servers, or networks to the Site, or evade, deactivate, or otherwise meddle with security-related elements on the website or elements that limit or prevent any Content or that impose restrictions on the use of the Site;

(d) Modify the website in any way or use a modified version of it;

(e) Any right in the may not be sold, assigned, sublicensed, or otherwise transferred. content that can be accessed via the website,

(f) Use any automated system, including a robot, spider, scraper, or other device, to access the service;

(g) Take any activity that could result in an arbitrary or a disproportionately heavy burden on the site's infrastructure. in our sole discretion decide; or

(h) intentionally spread or transmit any harmful software, such as worms or viruses disruptive or harmful programs, files, or other similar materials technology, or otherwise make use of the service in a way that is illegal any law, rule, or guideline.

Advertisements and Links

The Site contains advertisements, offers, or other links to websites of third parties that we do not control. Any outbound links are provided solely for your reference, and are not to be viewed as an authorization, endorsement, sponsorship, or affiliation by, of, or with such website. Note that advertisements and other information provided by third parties may not be wholly accurate, and the Company makes no representations whatsoever concerning such websites, or any products or services they may offer, and hereby disclaims any and all such representations. Any purchase transactions or other dealings with third parties referenced on this Site, including payment and delivery of purchased items, are solely between yourself and them. We are not responsible or liable for (i) the availability or accuracy of such websites or advertisements; or (ii) the Content, products or services available from such sites. ANY VISITS TO WEBSITES THAT LINK TO OR ADVERTISE ON THIS SITE ARE AT YOUR OWN RISK.

No Warranty

WITHOUT ANY WARRANTIES OF ANY KIND, THE SERVICE IS PROVIDED "AS IS." The company disclaims all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. THE COMPANY MAKES NO GUARANTEES OR WARRANTIES AS TO THE SITE OR THE PERFORMANCE OF THE SERVICE.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Limitation of Liability & Release

In no event shall we be liable to you or any other party for any indirect, special, incidental, consequential, or punitive damages, however and wherever arising, that may result from your use of the Service, including without limitation to losses incurred due to: (a) any losses, injuries, or property damage, or death sustained as a direct or indirect consequence of your reliance upon the information provided by this Site; (b) your business dealings with any third party advertisers or marketing affiliates that link to this site; (c) damages or losses of any kind, including, without limitation, injuries or death, resulting from your purchase and use of any products purchased from marketing affiliates or advertisers; (d) any actions you take in reliance upon any information provided by the Site; and (e) any other damages or losses you may incur in connection with your use of the Service. IN NO EVENT WILL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OR ACTION EXCEED TEN UNITED STATES DOLLARS ($10.00).

The Company is not liable for checking or evaluating the commercial strategies, decisions, acts, or services of marketing partners whose goods are showcased on this website. You release the company, its subsidiaries, affiliates, officers, directors, employees, agents, and legal representatives from and against any claims and damages of any kind, known and unknown, suspected and undiscovered, disclosed and undisclosed, arising out of or in any way connected with such a dispute, to the fullest extent permitted by applicable law, in the event of a dispute between you and a marketing affiliate.

If you are a California resident, by using the Service, you explicitly waive the rights granted to you under California Civil Code 1542, which states: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor." If you are a New Jersey resident, certain sections of these Terms and Conditions, including Sections 5, 6, and 7 may not apply to you pursuant to the New Jersey Truth in Consumer Contract, Warranty, and Notice Act. Additional states may not allow this exclusion or limitation of liability, so the above limitation or exclusion may not apply to you.

Indemnification

By using the website and service, you agree to defend, indemnify, and hold the company, its officers, directors, employees, contractors, agents, licensors, and service or content providers harmless from and against any and all losses, liabilities, expenses, damages, and costs, including reasonable attorney's fees and court costs, arising out of or related to your use of the website and any violation of these terms of use. YOU AGREE TO BE RESPONSIBLE FOR ANY AND ALL LOSSES, LIABILITIES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS' FEES AND COURT COSTS, ARISING OR RESULTING FROM ANY TECHNICAL DISRUPTION OF THE SITE OR THE SYSTEMS TRANSMITTING THE SITE TO YOU OR OTHERS, IF YOU CAUSE SUCH DISRUP.

Choice of Law; Forum

This document shall be governed in all respects by the laws of the United States and the State of Colorado, regardless of conflict of law rules. Any claim or dispute you may have against us, whether subject to mandatory arbitration or otherwise, must be brought in Denver, Colorado, except that arbitration proceedings may be conducted by telephone. For any matters not subject to mandatory arbitration, you agree to submit to the personal jurisdiction of the courts located within the County of Denver, Colorado for the purpose of litigating all such claims or disputes. All claims filed or brought contrary to this section shall be considered improperly filed. Should you file a claim improperly, we may recover reasonable attorneys’ fees and costs, provided that we have notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

You agree to arbitrate all disputes and claims that arise out of or relate to your use of the Site. Therefore, you agree that, by using the Service, YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION BASED ON OR INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OTHER USERS, OR PERSONS SIMILARLY SITUATED. This agreement to arbitrate includes, without limitation, claims arising out of or relating to the Service or your use thereof, regardless of when they may arise. Any arbitration proceeding brought under this section shall be conducted by an arbitration service provider chosen by us applying Colorado law. The arbitration may be conducted telephonically, with the costs to be split evenly between the parties.

Waiver of Do-Not-Call Rights

Your act of submitting a form on this Site constitutes a waiver of any rights you may have under state or federal Do-Not-Call (DNC) Registry statutes, including (but not limited to) the Telephone Consumer Protection Act of 1991. You are agreeing to be contacted at the number you provided regardless of whether such number is listed on any state or federal DNC Registry, and regardless of whether it is a cellular phone or landline. Any proceedings to resolve or litigate any manner of claim you may bring against us, participating attorneys and law firms, or our affiliates or marketing partners will be conducted solely on an individual basis in a binding arbitration proceeding as set forth elsewhere in these Terms and Conditions.

Limitation of Actions

Any claim or cause of action arising from your use of the Site or Service must be filed within one year of the claim or cause of action arising, regardless of any statute of limitations or other law to the contrary, or it will be permanently barred. Any failure by the Company to comply with or exercise any term of these terms and conditions or any related right within this time frame shall not be construed as a waiver of such term or right.

Modification and Notice of Changes

The Company reserves the right to modify these Terms and Conditions at any time. If we elect to modify these Terms, we will post a notice informing users of the change on the Site. You are responsible for reviewing the modified Terms and Conditions and accessing this Site after any changes to these Terms have been posted thereon will constitute your acceptance of all such changes. You have the right to accept or reject any changes in these Terms. If you reject any changes in these Terms, please discontinue use of the Site immediately. Unless specifically stated otherwise, any new features, products or services added to the Site shall be subject to these Terms. Some new products or features may require your acceptance of new or additional terms before use.

Entire Agreement

This Terms and Conditions and any document incorporated by reference herein constitute the entire agreement between you and us and govern your use of the Service, superseding any prior agreements between us.

Severability

If any provision of these Terms and Conditions is found by a court or other binding authority to be invalid, the remaining provisions shall continue in full force and effect.

Disclosure

Based on your data, this advertising referral and comparison tool connects customers with potential insurance agents and companies. The owner of this website is not a bank, financial institution, insurance company, agent, provider, broker, or representative. We don't offer insurance or financial quotes or policies, and we don't speak for any particular insurance company. Decisions regarding credit or insurance are not made using this service. Independent participating insurance agents and organisations that take part in the network offer quotes. The lowest advertised rates are subject to change and may not be offered by all participating service providers. You fully consent to being contacted by a representative, an insurance agent, or an insurance company by providing your information. By submitting your information, you do not ensure that a partnering provider will accept you. We disclaim responsibility for any product, service, plan, or provider, without limitation, and do not have access to the terms of your insurance policy. Please get in touch with your plan's agent or third-party provider directly for more information, questions, or concerns. No product or service is recommended by us, and we never ask for payment. Participating providers are the only ones who pay any money, and it is just for the advertising services they give. Where restricted, this service is ineligible. We have no affiliation with or endorsement from the federal insurance programmes or the United States government. This service does not represent a solicitation or an offer to sell any goods or services. You are only receiving this service and these disclosures for informational purposes; they shouldn't be used as a substitute for well-informed professional advice.

Please email the Company at contact@simpleinsured.com if you have any queries or would like further information about these Terms and Conditions.