Terms of Service
Last updated: December 2024
Agreement to Terms
By accessing or using Understand My Insurance ("the Service"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.
Description of Service
Understand My Insurance is a tool that analyzes insurance documents and provides plain-language explanations of coverage, costs, and terms. The Service is designed to help users better understand their insurance policies.
Important Disclaimers
Not Insurance Advice: The analysis provided by this Service is for informational purposes only. It is not insurance advice, legal advice, or a substitute for reading your actual policy documents.
No Guarantee of Accuracy: While we strive for accuracy, we cannot guarantee that our analysis is complete, accurate, or up-to-date. Insurance policies are complex documents, and important details may be missed or misinterpreted.
Consult Professionals: For important decisions about your coverage, claims, or insurance needs, always consult with a licensed insurance professional or your insurance provider directly.
User Responsibilities
By using the Service, you agree to:
- Only upload documents you are authorized to access and share
- Not use the Service for any unlawful purpose
- Not attempt to interfere with or disrupt the Service
- Provide accurate information when creating an account
- Keep your account credentials secure
Acceptable Use
You may not use the Service to:
- Upload malicious files or content
- Attempt to access other users' data
- Reverse engineer or copy our technology
- Resell or redistribute the Service without permission
- Violate any applicable laws or regulations
Intellectual Property
The Service, including its original content, features, and functionality, is owned by Understand My Insurance and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.
Limitation of Liability
To the maximum extent permitted by law, Understand My Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.
Service Availability
We strive to provide reliable service, but we do not guarantee that the Service will be available at all times. We may modify, suspend, or discontinue the Service at any time without notice.
Account Termination
We reserve the right to terminate or suspend your account at any time for any reason, including violation of these terms. You may delete your account at any time through your account settings or by contacting us.
Changes to Terms
We may revise these Terms of Service at any time. By continuing to use the Service after changes become effective, you agree to be bound by the revised terms. We will provide notice of significant changes through the Service or via email.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
Contact
If you have questions about these Terms of Service, please contact us at support@snumps.com.