Terms of Service

Welcome to My Wedding & Event Planning Insurance. These Terms of Service (“Terms”) govern your access to and use of our website, products, and services. Please read these Terms carefully before using our services.

By accessing or using our website, products, or services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

1. Definitions

Throughout these Terms, the following definitions apply:

• “Company,” “we,” “us,” or “our” refers to My Wedding & Event Planning Insurance, its subsidiaries, affiliates, and partners.
• “Website” refers to the website operated by the Company at www.eventinsurance.com, including all content, services, and products available through the website.
• “Services” refers to all insurance products, quotes, claims processing, and related services offered by the Company.
• “User,” “you,” or “your” refers to any individual or entity that accesses or uses our Website or Services.
• “Content” refers to all text, images, videos, audio, graphics, and other materials that appear on our Website.
• “Policy” or “Policies” refers to the insurance policies issued by the Company or its underwriting partners.

2. Acceptance of Terms

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

If you are using our Services on behalf of a company, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and you agree to be bound by these Terms on behalf of such entity.

If you do not agree with any part of these Terms, you must not access or use our Website or Services.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater;
• Have the legal capacity to enter into binding contracts;
• Not be prohibited from using our Services under applicable law; and
• Meet any additional eligibility requirements specified for particular insurance products.

If you are using our Services on behalf of a business or organization, you represent and warrant that the business or organization is legally established and operating in accordance with all applicable laws.

4. Account Registration and Security

To access certain features of our Services, you may need to create an account. When you register for an account, you agree to:

• Provide accurate, current, and complete information;
• Maintain and promptly update your account information;
• Keep your account credentials confidential and secure;
• Not share your account credentials with any third party; and
• Notify us immediately of any unauthorized access to or use of your account.

You are solely responsible for all activities that occur under your account. We reserve the right to suspend or terminate your account if we suspect unauthorized or fraudulent use.

5. Services and Products

5.1 Insurance Products

We offer various insurance products for weddings and events. The specific coverage, terms, conditions, limitations, and exclusions of each insurance product are detailed in the respective policy documents. In the event of any conflict between these Terms and the policy documents, the policy documents shall prevail with respect to the insurance coverage.

5.2 Quotes and Applications

When you request a quote or submit an application for insurance:

• You agree to provide accurate, complete, and up-to-date information;
• You understand that quotes are estimates based on the information provided and are subject to verification;
• You acknowledge that final premium amounts may differ from quotes if the information provided changes or is found to be inaccurate; and
• You understand that submitting an application does not guarantee approval or issuance of a policy.

5.3 Policy Issuance

Insurance policies are issued by us or our underwriting partners. Coverage begins only after:

• Your application has been approved;
• All required premiums have been paid; and
• The policy has been issued and delivered to you.

5.4 Claims

Claims must be submitted in accordance with the procedures outlined in your policy documents. We reserve the right to investigate claims and request additional information or documentation as necessary to process claims.

6. Payment Terms

6.1 Premiums and Fees

You agree to pay all premiums and fees associated with the insurance products you purchase. Premiums are calculated based on the information you provide and the coverage options you select.

6.2 Payment Methods

We accept various payment methods, including credit cards, debit cards, and electronic funds transfers. By providing payment information, you represent and warrant that:

• You are authorized to use the payment method;
• The payment information you provide is accurate and complete; and
• You authorize us to charge the payment method for the premium amount and any applicable fees.

6.3 Billing Errors

If you believe there has been a billing error, please notify us within 60 days of the error. We will investigate and make any necessary corrections promptly.

6.4 Taxes

All premiums and fees are exclusive of applicable taxes unless otherwise stated. You are responsible for paying all taxes, levies, or duties imposed by tax authorities on your purchase of our insurance products.

7. Cancellation and Refund Policy

7.1 Policy Cancellation

You may cancel your insurance policy according to the cancellation terms specified in your policy documents. Depending on the timing of cancellation and the specific policy terms, you may be entitled to a full or partial refund of premiums paid.

7.2 Refunds

Refunds will be processed according to the refund policy outlined in your policy documents. Generally, refunds will be issued using the same payment method used for the original purchase.

7.3 Our Right to Cancel

We reserve the right to cancel or non-renew policies in accordance with applicable insurance laws and regulations and the terms specified in the policy documents. Reasons for cancellation may include, but are not limited to, non-payment of premiums, material misrepresentation, or fraud.

8. Intellectual Property Rights

8.1 Ownership

Our Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Website and Services for their intended purposes, subject to these Terms. 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 of the material on our Website, except as incidental to normal website usage;
• Access to or use of our Website or Services for any commercial purpose;
• Any use of data mining, robots, or similar data gathering or extraction methods; or
• Any use that could disable, overburden, or impair the functioning of our Website.

8.3 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.

9. User Content

9.1 Submission of Content

Our Website may allow you to submit content, such as reviews, comments, or testimonials (“User Content”). By submitting User Content, you grant us a non-exclusive, perpetual, irrevocable, royalty-free, worldwide, fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in any media.

9.2 Representations and Warranties

You represent and warrant that:

• You own or control all rights to the User Content you submit;
• All User Content is accurate and not misleading;
• Use of the User Content does not violate these Terms or any applicable law or regulation; and
• The User Content will not cause injury to any person or entity.

9.3 Monitoring and Enforcement

We have the right, but not the obligation, to monitor, edit, or remove any User Content. We take no responsibility and assume no liability for any User Content posted by you or any third party.

10. Prohibited Conduct

You agree not to:

• Use our Website or Services in any way that violates any applicable federal, state, local, or international law or regulation;
• Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity;
• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of our Website or Services;
• Use our Website or Services in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website;
• Use any robot, spider, or other automatic device, process, or means to access our Website for any purpose, including monitoring or copying any of the material on our Website;
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of our Website, the server on which our Website is stored, or any server, computer, or database connected to our Website;
• Attack our Website via a denial-of-service attack or a distributed denial-of-service attack; or
• Otherwise attempt to interfere with the proper working of our Website or Services.

11. Disclaimer of Warranties

YOUR USE OF OUR WEBSITE AND SERVICES IS AT YOUR SOLE RISK. OUR WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.

WE DO NOT WARRANT THAT OUR WEBSITE OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE OUR WEBSITE OR SERVICES;
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OUR WEBSITE;
• ANY CONTENT OBTAINED FROM OUR WEBSITE; OR
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU TO US FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRIOR TO THE CLAIM.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

13. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of our Website or Services, including, but not limited to, your User Content, any use of our Website’s content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from our Website.

14. Termination

We may terminate or suspend your access to all or part of our Website or Services, with or without notice, for any conduct that we, in our sole discretion, believe violates these Terms, infringes on the rights of the Company or third parties, or is otherwise inappropriate.

Upon termination, your right to use our Website and Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Governing Law

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or our Website or Services shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York, in each case located in the City of New York and County of New York. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

16. Changes to Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of our Website and Services thereafter. Your continued use of our Website or Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

17. Contact Us

If you have any questions or concerns about these Terms or our Services, please contact us at: