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    Terms & conditions

    Welcome to Policy Kart. By accessing or using our website (the “Website”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, you should not use our website.

    Please read these Terms carefully before using our services.

    1. Use of the Website

    1.1 Eligibility
    By using the Website, you affirm that you are at least 18 years old or accessing the site under the supervision of a parent or guardian.

    1.2 Purpose
    The content provided on Policy Kart is for general informational purposes related to insurance, investment, and financial topics. It should not be considered professional financial or legal advice.

    1.3 Prohibited Conduct
    You agree not to:

    • Use the Website for any unlawful purpose.
    • Engage in any activity that interferes with or disrupts the operation of the Website.
    • Post or transmit any harmful, offensive, or infringing content.
    • Use automated tools (such as bots or spiders) to access or scrape the Website.

    2. Intellectual Property

    2.1 Ownership
    All content, materials, designs, graphics, text, software, and logos displayed on the Website are the intellectual property of Policy Kart or our licensors. You may not reproduce, distribute, or create derivative works from any part of the Website without express written permission.

    2.2 Limited License
    You are granted a limited, non-exclusive, and revocable license to access and use the Website for personal, non-commercial purposes. This license does not allow you to:

    • Modify, copy, or distribute Website content.
    • Use Website content for any commercial use.

    3. Disclaimer of Warranties

    3.1 No Warranty
    The information provided on this Website is offered “as is” without warranties of any kind, either express or implied. Policy Kart makes no representations or warranties regarding the accuracy, completeness, or reliability of any information provided.

    3.2 External Links
    Our Website may contain links to third-party websites or resources. These links are provided for your convenience, and we do not endorse or assume responsibility for the content or practices of those third-party sites. Your use of such websites is subject to their terms and privacy policies.

    4. Limitation of Liability

    In no event shall Policy Kart, its directors, employees, or affiliates be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use or inability to use the Website or its content.

    This includes, but is not limited to, damages for errors, omissions, interruptions, or delays in the content or any technical issues experienced while accessing the Website.

    5. User Submissions

    5.1 Content Submission
    If you submit any content to our Website (such as comments, reviews, or inquiries), you grant us a non-exclusive, royalty-free, perpetual, and fully transferable license to use, reproduce, distribute, and display such content in connection with the operation of the Website.

    5.2 User Responsibility
    You are solely responsible for the content you submit. You represent and warrant that any submission does not infringe on the rights of any third party, violate any law, or contain any defamatory or harmful content.

    6. Privacy Policy

    Your use of the Website is also governed by our Privacy Policy. By using the Website, you consent to the collection, use, and sharing of your information as outlined in the Privacy Policy.

    7. Termination

    We reserve the right to terminate or suspend your access to the Website at any time, without prior notice, for any reason, including but not limited to a violation of these Terms. Upon termination, your right to use the Website will immediately cease.

    8. Governing Law

    These Terms and Conditions are governed by and construed in accordance with the laws of [Insert Country/State], without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in [Insert Location] for any disputes arising out of or related to these Terms.

    9. Changes to the Terms

    We may update or modify these Terms at any time. Any changes will be posted on this page, and the “Last Updated” date will be revised accordingly. By continuing to use the Website after any changes are made, you agree to be bound by the updated Terms.

    10. Contact Us

    If you have any questions, concerns, or comments regarding these Terms and Conditions, please contact us.

    Thank you for using Policy Kart. We hope you find our resources helpful and informative.