Terms of Service

1. Acceptance of Terms

Welcome to Insuraim. These Terms of Service ('Terms') constitute a binding legal agreement between you and Insuraim ('we').

Accessing or using our services implies agreement to these Terms. If you do not agree, please do not use our services.

If using on behalf of an entity, you represent you have authority to bind that entity.

2. Description of Services

Insuraim provides a business operating system for insurance brokerages and advisory teams, including:

We reserve the right to modify, suspend, or terminate services without notice.

3. Account Registration

You may need an account to use services. You agree to:

• •Provide accurate registration info
• •Maintain accuracy of info
• •Secure your password
• •Be responsible for account activity
• •Notify us of unauthorized use immediately

We may suspend accounts for violation of Terms.

4. Usage Rules

You agree NOT to:

• •Violate laws or regulations
• •Infringe IP rights
• •Upload viruses/malware
• •Attempt unauthorized access
• •Interfere with service operation
• •Scrape/crawl services via automation
• •Resell access
• •Harm us or other users

5. Payment Terms

For paid services:

Payment failure may result in suspension.

6. Intellectual Property

The Service and original content are Insuraim's property, protected by IP laws.

You retain rights to your uploaded content. You grant us a license to use it solely to provide the Service.

No copying or modifying our Service without consent.

7. Data Processing

Regarding your data:

See Privacy Policy for details.

8. Limitation of Liability

To the maximum extent permitted by law:

• •Service is 'AS IS' without warranty
• •No guarantee of uninterrupted/error-free service
• •Not liable for indirect/consequential damages
• •Liability capped at amount paid in last 12 months

Some jurisdictions do not allow certain exclusions; these may not apply to you.

9. Termination

You may terminate via account settings.

We may terminate/suspend if:

• •Violation of Terms
• •Overdue payment
• •Necessary for security
• •Legal requirement

Rights to use cease upon termination.

10. Changes to Terms

We reserve the right to modify Terms. Updates will be posted here.

Material changes will be notified. Continued use implies acceptance.

11. Governing Law

Governed by laws of Hong Kong SAR.

Disputes subject to exclusive jurisdiction of Hong Kong courts.