Terms of Use

These Terms of Use (hereinafter referred to as the "Terms") apply to your use of our website, products and services. Please read them carefully before using our services. By continuing to use them, you accept and agree to abide by the following terms. If you do not agree to any of the terms, please do not use this website or services.

1. Service Overview

We provide insurance product information, consulting and related support services (hereinafter referred to as the "Services"). The content displayed on this website is for reference only and does not constitute legal advice or formal contracts. The specific insurance plan needs to be determined based on the information you provide and the insurance company's policies.

2. User Responsibilities

By using our services, you agree to the following:

Legal Use: You promise to use this website and services legally and reasonably, and not for any illegal or unauthorized purpose, and not to interfere with or disrupt the normal operation of the website.

Accurate Information: You promise to provide true, accurate and complete personal information when registering an account or using the service, and update it in a timely manner to maintain the accuracy of the information. You are responsible for the confidentiality of your account information and are fully responsible for all activities under your account.

Compliance with Intellectual Property Rights: You shall not infringe the copyright, trademark and other intellectual property rights of this website. You shall not copy, distribute, modify or display any website content without permission.

3. Privacy Protection

We respect your privacy, and your personal information when using this website will be protected by the Privacy Policy. Please refer to our Privacy Policy for details on how we collect, use, share and protect your personal information.

4. Intellectual Property

All content on this website (including but not limited to text, images, icons, videos, software and its code) is owned by the Company or relevant licensors and is protected by copyright law and international intellectual property law. Without authorization, you may not use, copy, disseminate, display or create derivative works in any form.

5. Website Use Restrictions

You may not take any of the following actions:

Malicious attacks: attempting to interfere with or undermine the security of the website, attempting to access any part, system or data of the website without authorization, or hacking the website, stealing data, etc.

Automated access: You may not use any automated means (such as crawlers, scraping tools, etc.) to access, obtain or monitor website content without authorization.

Distribution of malware: You may not distribute malware, viruses or any technical tools that may interfere with the operation of the website.

Violation of these terms may result in us suspending or terminating your access rights, and we reserve the right to pursue your legal liability.

6. Disclaimer

The content and services of this website are provided on an "as is" basis. We do not guarantee the continuity, completeness, accuracy and applicability of the services. We are not responsible for any direct, indirect, incidental, special or consequential damages, including data loss, loss of revenue, downtime, etc., caused by the use or inability to use this website. Please make sure that you understand and acknowledge the potential risks before using.

7. Service Modification and Termination

We have the right to update, modify, suspend or terminate the website content and service functions without notifying you. We are not responsible for any impact caused by service modification or interruption. If we decide to terminate this service, we will notify users in advance and provide users with appropriate assistance as much as possible.

8. Third-party links

This website may contain links to third-party websites. The privacy policies and terms of use of these websites are formulated by their respective owners. We are not responsible for the content, privacy protection, service quality, etc. of any third-party websites. It is recommended that you read their privacy policies and terms of use before visiting these websites.

9. User Liability and Indemnification

You agree to indemnify us and hold us harmless for any third-party losses or expenses (including but not limited to attorney fees and related legal expenses) caused by any misconduct, violation of regulations or violation of these Terms when using this website.

10. Applicable Law and Dispute Resolution

These Terms are governed by the federal law of the United States and the laws of the state where you are located. If there is a dispute, the parties shall first resolve it through friendly negotiation. If the negotiation fails, any dispute will be resolved by a court with jurisdiction.

11. Updates to Terms

We may update these Terms of Use from time to time to reflect changes in our services and relevant legal requirements. If there are significant changes to these Terms, we will post a notice on the website. Your continued use of the Service constitutes your acceptance of the latest Terms. Please check the updated information of these Terms regularly.