Euro Insurance Guide

1. Definitions

In these Terms, the following definitions apply:

• "Company", "we", "us", or "our" refers to Euro Insurance Guide, registration number 15882749, with its registered office at Sveavägen 56, 111 34 Stockholm, Sweden.
• "Website" means the website operated by the Company at euroinsuranceguide.com and all its subdomains.
• "Services" means all services, resources, content, features, or functions available on or through the Website.
• "User", "you", or "your" means any individual who accesses or uses the Website or Services.
• "Content" means all information, text, graphics, photos, designs, trademarks, logos, videos, audio clips, links, and other materials that appear on the Website, excluding User Content.
• "User Content" means any content that Users submit, post, or transmit to the Website, including comments, feedback, suggestions, or other contributions.
• "Personal Information" means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked with a particular User or household.

2. Acceptance of Terms

By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated into these Terms by reference.

If you are using the Website or Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms. In such cases, "you" and "your" will refer to both you and the organization.

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on the Website with a new "Last updated" date or by other means as determined by us. Your continued use of the Website or Services after any such changes constitutes your acceptance of the new Terms.

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. Website Content and Intellectual Property

4.1 Ownership

The Website, Services, and all Content, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are owned by the Company or its licensors and are protected by copyright, trademark, and other intellectual property laws.

4.2 License to Use Website

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website and Services for your personal, non-commercial use. This license does not include:

• The right to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any Content, except as expressly permitted;
• The use of any data mining, robots, or similar data gathering or extraction methods;
• Any use of the Website or Services that could damage, disable, overburden, or impair the Website or interfere with any other party's use of the Website or Services;
• The right to access or use the Website or Services for any purpose that is illegal or prohibited by these Terms.

4.3 Trademarks

The Company name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You may not use such marks without the prior written permission of the Company, except as permitted by law.

4.4 User Content

By submitting User Content to the Website, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media. You represent and warrant that:

• You own or control all rights in and to the User Content and have the right to grant the license above;
• The User Content does not violate the privacy rights, publicity rights, copyright, contractual rights, or any other rights of any person or entity;
• The User Content does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.

We reserve the right to remove any User Content that violates these Terms or that we determine is otherwise harmful, offensive, or inappropriate in our sole discretion.

5. Disclaimer of Warranties

5.1 Information Accuracy

While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or reliability of any Content on the Website. The Content is provided for general informational purposes only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information.

5.2 No Financial or Insurance Advice

The Content on the Website is not intended to be financial, insurance, legal, or professional advice. We do not represent any particular insurance provider, and we do not sell insurance products directly. Before making any insurance decisions, you should consult with a qualified professional who can provide advice tailored to your specific circumstances.

5.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS SHALL NOT 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 WEBSITE OR SERVICES;
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE;
• ANY CONTENT OBTAINED FROM THE WEBSITE; AND
• 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.

5.4 Third-Party Links

The Website may contain links to third-party websites or resources. We provide these links only as a convenience and are not responsible for the content, products, or services on or available from those websites or resources. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites or resources.

6. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) resulting from your violation of these Terms or your use of the Website or Services, including, without limitation, your User Content, any use of the Website's Content, services, and products other than as expressly authorized in these Terms.

7. Governing Law and Dispute Resolution

7.1 Governing Law

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of Sweden, without giving effect to any choice or conflict of law provision or rule.

7.2 Dispute Resolution

Any dispute, controversy or claim arising out of or in connection with these Terms, or the breach, termination or invalidity thereof, shall be finally settled by arbitration in accordance with the Rules of the Arbitration Institute of the Stockholm Chamber of Commerce. The seat of arbitration shall be Stockholm, Sweden. The language to be used in the arbitral proceedings shall be English.

7.3 Waiver of Class Actions

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

8. Termination

We may terminate or suspend your Account and access to the Website and Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Website and Services will immediately cease.

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.

9. General Provisions

9.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the Services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning its subject matter.

9.2 Waiver

No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under these Terms shall operate as a waiver of that right or power, nor shall any single or partial exercise of any right or power preclude any other or further exercise of that right or the exercise of any other right.

9.3 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions of these Terms will remain in full force and the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

9.4 Assignment

You may not assign, delegate, or transfer these Terms or your rights or obligations hereunder, in any way (by operation of law or otherwise) without the Company's prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent.

9.5 No Agency

No agency, partnership, joint venture, or employment is created as a result of these Terms, and you do not have any authority of any kind to bind the Company in any respect whatsoever.

10. Contact Us

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