Terms & Conditions

Interpretation

Words with capitalized initial letters carry specific meanings as defined below. These definitions apply whether used in singular or plural form.

Definitions

• Affiliate – An entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of 50% or more of shares, equity interests, or voting rights.

• Country – Refers to the United States (or your specific operating state).

• Company – Refers to Nexo Insurance (“We”, “Us”, or “Our”).

• Device – Any device that can access the Service, including computers, smartphones, and tablets.

• Service – Refers to the Nexo Insurance website (https://nexoinsurance.live) and all insurance services offered including vehicle, property, health, and business insurance.

• Terms and Conditions – The full agreement between You and the Company regarding use of the Service.

• Third-party Social Media Service – Any external services or content made available through our Service.

• Website – Refers to Nexo Insurance, accessible at https://nexoinsurance.live.

• You – The individual or legal entity accessing the Service.

Acknowledgment

These Terms govern the use of our Service and form a legally binding agreement between You and the Company. Your access and use of the Service are conditional upon acceptance and compliance with these Terms.

By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, you must not access or use the Service.

You must be at least 18 years of age to use our Service. By using the Service, you represent and warrant that you meet this age requirement.

Insurance Quotes and Policy Information

• Any insurance quotes provided through our Service are estimates based on the information you provide. Final premiums, coverage terms, and policy issuance are subject to underwriting approval by our partner insurance carriers.

• We reserve the right to refuse, cancel, or modify any quote or policy at our discretion.

• It is your responsibility to provide accurate and complete information when requesting quotes or purchasing policies.

Links to Other Websites

Our Service may include links to third-party websites (e.g., insurance carriers, payment processors) not controlled by the Company. We are not responsible for their content, privacy policies, or practices and encourage you to review their terms before use.

Termination

We may suspend or terminate your access immediately, without prior notice or liability, if you breach these Terms. Upon termination, your right to use the Service ceases immediately.

Limitation of Liability

To the maximum extent permitted by applicable law:

• The Company’s total liability, and your sole remedy, is limited to the amount paid for the Service or $100 if no payment has been made.

• The Company is not liable for special, incidental, indirect, or consequential damages (including lost profits, data, or business interruption) arising from your use of the Service.

“As Is” and “As Available” Disclaimer

The Service is provided on an “as is” and “as available” basis without warranties of any kind. We make no guarantees that:

• The Service will meet your requirements

• The Service will operate uninterrupted, securely, or error-free

• Any errors or defects will be corrected

Governing Law

These Terms are governed by the laws of the United States (or your specific state, e.g., Colorado), without regard to conflict of law provisions. Your use of the Service may also be subject to other local, state, national, or international laws.

Dispute Resolution

Before initiating any legal proceeding, you agree to attempt to resolve any dispute informally by contacting us at the information below. If the dispute cannot be resolved informally within 30 days, either party may pursue further action as permitted by law.

For European Union Users

If you are a resident of the European Union, you are entitled to mandatory consumer protection provisions applicable in your country of residence. Nothing in these Terms limits your rights under such provisions.

United States Legal Compliance

By using the Service, you represent and warrant that:

• You are not located in a country under a United States embargo or designated by the U.S. government as a “terrorist-supporting” country.

• You are not listed on any U.S. government list of prohibited or restricted parties (including the U.S. Treasury Department’s Specially Designated Nationals List).

Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be effective immediately upon posting on this page. Your continued use of the Service after any changes constitutes your acceptance of the new Terms. We encourage you to review this page periodically.

Contact Us

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

Nexo Insurance

• Email: legal@nexoinsurance.live

• Phone: 202-555-0188

• Website: https://nexoinsurance.live