Terms and Conditions

1. Introduction

Welcome to Swedish Insurance Guide. These Terms and Conditions govern your use of our website located at https://swedishinsurance.com (the "Site") and any related services provided by Swedish Insurance Guide.

By accessing or using our Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Site or use our services.

2. Definitions

In these Terms, the following definitions apply:

• "Account" means the account created by a User to access and use the Services.
• "Content" means any text, graphics, images, music, software, audio, video, information, or other materials appearing on or through the Services.
• "Services" means all services provided by Swedish Insurance Guide to Users, including but not limited to information, consultations, and advisory services related to insurance in Sweden.
• "User" means an individual who accesses or uses the Services.
• "User Content" means any Content that a User posts, uploads, publishes, submits, or transmits to be made available through the Services.
• "Swedish Insurance Guide," "we," "us," or "our" refers to the operator of the Site and provider of the Services.

3. Account Registration and Use

3.1 Account Creation

To use certain features of our Services, you may need 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.

3.2 Age Requirement

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

3.3 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.

3.4 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.

4. User Conduct

You agree not to engage in any of the following prohibited activities:

• Copying, distributing, or disclosing any part of the Services in any medium, including without limitation by any automated or non-automated "scraping"
• Using any automated system, including without limitation "robots," "spiders," "offline readers," etc., to access the Services
• Transmitting spam, chain letters, or other unsolicited email
• Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Services
• Taking any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure
• Uploading invalid data, viruses, worms, or other software agents through the Services
• Collecting or harvesting any personally identifiable information from the Services
• Using the Services for any commercial solicitation purposes
• Impersonating another person or otherwise misrepresenting your affiliation with a person or entity
• Interfering with the proper working of the Services
• Accessing any content on the Services through any technology or means other than those provided or authorized by the Services
• Bypassing the measures we may use to prevent or restrict access to the Services

5. Intellectual Property Rights

5.1 Content Ownership

The Services and their original content (excluding User Content), features, and functionality are and will remain the exclusive property of Swedish Insurance Guide and its licensors. The Services are protected by copyright, trademark, and other laws of both 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 Swedish Insurance Guide.

5.2 User Content

You retain any and all of your rights to any User Content you submit, post, or display on or through the Services. By submitting, posting, or displaying User Content on or through the Services, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute such User Content in connection with providing the Services.

5.3 Copyright Policy

We respect the intellectual property rights of others and expect Users of our Services to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe that your content has been copied in a way that constitutes copyright infringement, please provide us with the following information:

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed
• Your contact information, including your address, telephone number, and an email address
• A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
• A statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner

6. Service Availability and Modifications

6.1 Service Availability

We do not guarantee that our Services will be available at all times. We reserve the right to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice. We shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the Services.

6.2 Information Accuracy

We strive to provide accurate information about insurance products and services in Sweden. However, we do not guarantee the accuracy, completeness, or usefulness of any information on the Services. Any reliance you place on such information is strictly at your own risk.

7. Privacy

Your use of the Services is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy, which explains how we collect, use, and disclose information that pertains to your privacy.

8. Limitation of Liability

In no event shall Swedish Insurance Guide, its officers, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• 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.

9. Disclaimer of Warranties

Your use of the Services is at your sole risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis. The Services are 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.

Swedish Insurance Guide does not warrant that:

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

10. Insurance Advice Disclaimer

The information provided through our Services is intended for general informational purposes only and does not constitute professional insurance advice. Our content should not be relied upon as a substitute for consultation with qualified insurance professionals who are familiar with your individual needs.

While we strive to provide accurate information about insurance products in Sweden, we make no representations or warranties about the completeness, reliability, or accuracy of this information. Any action you take based on the information on our Site is strictly at your own risk. We will not be liable for any losses or damages in connection with the use of our Services or reliance on the information provided.

Before making any decisions regarding insurance coverage, we recommend consulting with a licensed insurance agent or broker who can provide personalized advice based on your specific circumstances.

11. Indemnification

You agree to defend, indemnify, and hold harmless Swedish Insurance Guide, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Services
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your User Content caused damage to a third party

This defense and indemnification obligation will survive these Terms and your use of the Services.

12. 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.

13. 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 Services 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 Services.

14. Contact Us

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

• By email: [email protected]
• By phone: +46 70 123 4567
• By mail: Swedish Insurance Guide, Sveavägen 56, 111 34 Stockholm, Sweden