Terms & Conditions

1. Definitions

In these Terms, the following definitions apply:

• "Content" means any text, graphics, images, audio, video, software, data compilations, and any other form of information capable of being stored in a computer that appears on or forms part of our Service.
• "User" means any individual who accesses or uses the Service.
• "User Content" means any Content that Users submit, post, or otherwise make available through the Service.
• "Service" means the SwedInsure website and all Content, services, and products available at or through the website.
• "Terms" means these Terms and Conditions.
• "SwedInsure" (also referred to as "we", "us", or "our") refers to the company operating the Service.

2. Account Registration and Use

2.1 Account Creation

Some features of our Service may require you to register for an account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately if you suspect any unauthorized use of your account.

2.2 Age Requirement

You must be at least 18 years old to create an account and use our Service. By creating an account, you represent and warrant that you are at least 18 years old.

2.3 One Account Per User

You may not create more than one account without our express permission. We reserve the right to terminate any duplicate accounts.

2.4 Account Termination

We reserve the right to suspend or terminate your account at any time for any reason, including but not limited to violation of these Terms. You may also terminate your account at any time by contacting our customer service.

3. Intellectual Property

3.1 Service Content

The Service and its original Content (excluding User Content), features, and functionality are and will remain the exclusive property of SwedInsure and its licensors. The Service is protected by copyright, trademark, and other laws of Sweden and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of SwedInsure.

3.2 User Content

When you submit, post, or otherwise make Content available through our Service ("User Content"), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Content in connection with providing the Service.

You represent and warrant that you own or have the necessary rights to such User Content and that the posting of your User Content does not violate the privacy rights, publicity rights, copyrights, contract rights, or any other rights of any person or entity.

3.3 Content Removal

We reserve the right to remove any User Content from the Service at our discretion, without prior notice, for any reason, including but not limited to if we believe that such Content violates these Terms or is otherwise objectionable.

4. Acceptable Use

4.1 Compliance with Laws

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to use the Service:

• In any way that violates any applicable national, federal, state, local, or international law or regulation
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way
• To transmit or procure the sending of any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate SwedInsure, a SwedInsure employee, another user, or any other person or entity
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which may harm SwedInsure or users of the Service

4.2 Prohibited Activities

You further agree not to:

• Use the Service in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Service
• Use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any material on the Service
• Use any manual process to monitor or copy any material on the Service or for any other unauthorized purpose without our prior written consent
• Use any device, software, or routine that interferes with the proper working of the Service
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service
• Attack the Service via a denial-of-service attack or a distributed denial-of-service attack
• Otherwise attempt to interfere with the proper working of the Service

5. Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by SwedInsure.

SwedInsure has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that SwedInsure shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

6. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

7. Limitation of Liability

In no event shall SwedInsure, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

Whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed, our liability shall be limited to the maximum extent permitted by law.

8. Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

SwedInsure, its subsidiaries, affiliates, and its licensors do not warrant that:

• The Service will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Service is free of viruses or other harmful components
• The results of using the Service will meet your requirements

This disclaimer of warranty applies to the fullest extent permitted by law.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

11. Contact Us

If you have any questions about these Terms, please contact us at: