Terms and Conditions
Welcome to Foray Insure! These Terms and Conditions ("Terms") govern your use of our website, services, and interactions with us. By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree, please do not use our services.
1. Definitions
- "We," "us," "our" refers to Foray Insure.
- "You," "your" refers to the individual or entity using our services.
- "Services" refers to the insurance brokerage and related services provided by Foray Insure.
2. Use of Services
a. Eligibility
You must be at least 18 years old and capable of entering into a binding agreement to use our services. By accessing or using our services, you represent that you meet these requirements.
b. Account Registration
Certain features may require you to register for an account. You are responsible for maintaining the confidentiality of your account details and ensuring all information provided is accurate and up-to-date.
c. Prohibited Activities
When using our services, you agree not to:
- Use the services for unlawful purposes.
- Submit false or misleading information.
- Interfere with or disrupt the functionality of our website or services.
- Attempt to gain unauthorized access to our systems or data.
3. Services Provided
Foray Insure offers insurance brokerage and advisory services. Please note:
- Our role is to act as an intermediary between clients and insurance providers.
- We do not guarantee coverage approval, pricing, or terms provided by third-party insurers.
- All insurance products and services are subject to the terms, conditions, and eligibility criteria set forth by the respective insurer.
4. Payment and Fees
Fees associated with our services will be disclosed prior to any agreement. Payments must be made in full unless otherwise agreed. We are not responsible for fees or charges imposed by third-party insurers.
5. Intellectual Property
All content on our website, including text, images, logos, and trademarks, is the property of Foray Insure or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or modify any materials without our written consent.
6. Limitation of Liability
To the fullest extent permitted by law:
- Foray Insure is not liable for any indirect, incidental, or consequential damages arising from your use of our services.
- Our total liability for any claim related to our services is limited to the amount paid by you for the relevant services.
- We are not responsible for decisions made by third-party insurers or external factors outside our control.
7. Disclaimers
- Our website and services are provided on an "as is" and "as available" basis.
- We make no warranties, express or implied, regarding the accuracy, reliability, or completeness of our services.
- Insurance decisions and policy terms are determined by third-party insurers, not Foray Insure.
8. Privacy
Your use of our services is also governed by our Privacy Policy. Please review the Privacy Policy to understand how we collect, use, and protect your information.
9. Termination
We reserve the right to terminate or suspend your access to our services at our discretion, without prior notice, if we believe you have violated these Terms or engaged in harmful activity.
10. Governing Law
These Terms are governed by and construed in accordance with the laws of [Insert Jurisdiction]. Any disputes arising from these Terms shall be resolved in the courts of [Insert Jurisdiction].
11. Changes to These Terms
We may update these Terms periodically. Your continued use of our services after any changes constitutes acceptance of the revised Terms. Please review this page regularly for updates.