1. Acceptance of Terms

By accessing or using the EuroSafe Insurance Guide website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, our Privacy Policy, and any additional terms or policies referenced herein.

These Terms constitute a legally binding agreement between you and EuroSafe Insurance Guide ("we," "us," or "our"). If you are accessing or using the Services on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms.

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 the website, blog, consultation services, and other offerings provided by EuroSafe Insurance Guide.
• "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.

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. Services and Content

4.1 Service Description

EuroSafe Insurance Guide provides information, guidance, and consultation services related to car insurance across Sweden and European countries. Our Services include but are not limited to:

• Educational content about insurance requirements and policies
• Comparison tools and resources
• Personalized consultation services
• Claims guidance and assistance

4.2 Service Limitations

Our Services are for informational and educational purposes only. We are not an insurance provider, broker, or agent. We do not sell, underwrite, or issue insurance policies. Our guidance and recommendations should not be construed as legal or financial advice.

While we strive to provide accurate and up-to-date information, we make no guarantees about the completeness, reliability, or accuracy of the information provided. Insurance regulations, policies, and market conditions change frequently, and users should verify critical information with relevant authorities or insurance providers.

4.3 Content Ownership

Unless otherwise indicated, all Content provided through the Services is owned by or licensed to EuroSafe Insurance Guide and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, modify, or create derivative works from our Content without our express written permission.

4.4 User Content

By submitting User Content to our Services (such as comments, reviews, or testimonials), 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 have the necessary rights to submit User Content and that such User Content does not violate any third-party rights or applicable laws.

5. User Conduct

In using our Services, you agree not to:

• Violate any applicable law, regulation, or these Terms
• Use the Services for illegal or unauthorized purposes
• Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity
• Interfere with or disrupt the Services or servers or networks connected to the Services
• Attempt to gain unauthorized access to any portion of the Services or any other systems or networks
• Use any automated means (such as scrapers or bots) to access or use the Services
• Submit false or misleading information
• Upload or transmit viruses, malware, or other malicious code
• Collect or store personal data about other users without their consent
• Post or transmit any User Content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable

6. Paid Services and Payment Terms

6.1 Service Fees

Some of our Services may require payment of fees. All fees are stated in Euro (€) and are subject to change. We will provide notice of any fee changes by posting the new fees on our website or by notifying you directly.

6.2 Payment Processing

We use third-party payment processors to process payments. By providing your payment information, you authorize us and our payment processors to charge the amount due to the payment method you provide.

You agree to provide accurate and complete billing information, including legal name, address, telephone number, and payment method details. You are responsible for keeping this information up to date.

6.3 Refunds

Our refund policy is described in our Refund Policy, which is incorporated into these Terms by reference. Please review our Refund Policy for details on eligibility, process, and limitations.

6.4 Taxes

You are responsible for paying any taxes, including sales or value-added taxes, that apply to your purchase of our Services. If we are required to collect taxes on your purchase, the amount will be added to your payment.

7. Third-Party Services and Links

Our Services may contain links to third-party websites, resources, or services that are not owned or controlled by EuroSafe Insurance Guide. We are not responsible for the content, privacy policies, or practices of any third-party websites or services.

Your use of such third-party websites and services may be subject to additional terms and conditions. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit or use.

8. Intellectual Property

8.1 Trademarks

The EuroSafe Insurance Guide name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of EuroSafe Insurance Guide or its affiliates or licensors. You may not use such marks without our prior written permission.

8.2 Copyright

All Content included on the Services, such as text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of EuroSafe Insurance Guide or its content suppliers and is protected by copyright laws.

8.3 License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for personal, non-commercial purposes. This license does not include the right to:

• Modify or copy the Content
• Use the Content for any commercial purpose
• Attempt to decompile or reverse engineer any software contained on the Services
• Remove any copyright or other proprietary notations from the Content
• Transfer the Content to another person or "mirror" the Content on any other server

9. Disclaimers

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

EUROSAFE INSURANCE GUIDE DOES NOT WARRANT THAT: (A) THE SERVICES WILL FUNCTION UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (C) THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICES WILL MEET YOUR REQUIREMENTS.

THE INFORMATION PROVIDED THROUGH OUR SERVICES IS NOT A SUBSTITUTE FOR PROFESSIONAL INSURANCE, LEGAL, OR FINANCIAL ADVICE. ALWAYS CONSULT WITH QUALIFIED PROFESSIONALS FOR ADVICE SPECIFIC TO YOUR SITUATION.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EUROSAFE INSURANCE GUIDE, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES 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 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
• RELIANCE ON INFORMATION OR CONTENT PROVIDED THROUGH THE SERVICES

IN ANY EVENT, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OR USING THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

11. Indemnification

You agree to defend, indemnify, and hold harmless EuroSafe Insurance Guide, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable attorney's fees and costs, arising out of or in any way connected with:

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

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or your use of the Services shall be submitted to the exclusive jurisdiction of the courts of Stockholm, Sweden. However, we retain the right to bring legal proceedings in any jurisdiction where we believe that infringement of our intellectual property rights or breach of these Terms is taking place or originating.

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 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 any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

14. Termination

We may terminate or suspend your access to the 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 Services will immediately cease. If you wish to terminate your Account, you may simply discontinue using the Services or contact us to request account deletion.

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.

15. Miscellaneous

15.1 Entire Agreement

These Terms constitute the entire agreement between you and EuroSafe Insurance Guide regarding the Services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning the subject matter of these Terms.

15.2 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by our authorized representative.

15.3 Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

15.4 Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. We may freely assign or transfer these Terms without restriction.

15.5 Contact Information

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

EuroSafe Insurance Guide
Sveavägen 56
111 34 Stockholm, Sweden
Email: [email protected]
Phone: +46 123 456 789