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Terms of Use

Please read these Terms and Conditions carefully before using our Service.

Interpretation and Definitions

Interpretation
When we capitalize certain words, they have specific meanings outlined below. These definitions apply whether the terms are used in singular or plural form.

Definitions
For the purposes of these Terms and Conditions:

  • Affiliate: An entity that controls, is controlled by, or is under common control with another party. Control here means owning 50% or more of the shares or voting rights.
  • Country: Refers to New York, United States.
  • Company: Refers to The Bright Insurance, which we may also call “we,” “us,” or “our” in this agreement.
  • Device: Any device used to access the Service, such as a computer, cellphone, or tablet.
  • Service: Refers to our Website.
  • Terms and Conditions: These are the terms that govern your use of our Service and form the entire agreement between you and the Company.
  • Third-Party Social Media Service: Services or content provided by third parties that may be included or available through our Service.
  • Website: Refers to The Bright Insurance, accessible at https://thebrightinsurance.com/.
  • You: The individual accessing or using the Service, or the entity they represent.

Acknowledgment

These Terms and Conditions govern your use of our Service and set out the rights and obligations of all users. By accessing or using the Service, you agree to these Terms. If you disagree with any part of these Terms, you should not use the Service.

You must be over 18 to use our Service. We do not allow anyone under 18 to use our Service.

Your use of the Service is also subject to our Privacy Policy. It explains how we collect, use, and share your personal information and your privacy rights. Please read it carefully before using our Service.

Links to Other Websites

Our Service might contain links to third-party websites or services that we don’t control. We aren’t responsible for the content, privacy practices, or policies of any third-party sites. We recommend reviewing the terms and privacy policies of any third-party sites you visit.

Termination

We can terminate or suspend your access to the Service immediately, without notice or liability, for any reason, including if you breach these Terms. Once terminated, your right to use the Service will end immediately.

Limitation of Liability

Even if you suffer damages, our liability is limited to the amount you’ve actually paid us through the Service or $100 if you haven’t made any purchases.

To the fullest extent allowed by law, we’re not liable for any special, incidental, indirect, or consequential damages, including but not limited to loss of profits, data, or personal injury. This applies even if we were advised of such damages and even if the remedy fails to meet its essential purpose.

Some jurisdictions don’t allow for such exclusions or limitations, so some of these may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by law.

“AS IS” and “AS AVAILABLE” Disclaimer

Our Service is provided “AS IS” and “AS AVAILABLE” without any warranties. We don’t guarantee that the Service will meet your needs, be uninterrupted, error-free, or work with other software or services. We also don’t guarantee that any errors or defects will be corrected.

Governing Law

The laws of New York, United States, excluding its conflict of law rules, will govern these Terms and your use of the Service. Other local, state, national, or international laws may also apply.

Dispute Resolution

If you have any concerns or disputes about the Service, please try to resolve them informally by contacting us first.

For European Union (EU) Users:
If you are a consumer in the EU, you benefit from any mandatory provisions of the law in your country of residence.

United States Legal Compliance:
You confirm that you are not in a country subject to a U.S. government embargo or designated as a “terrorist supporting” country and that you are not on any U.S. government restricted parties list.

Severability and Waiver

Severability:
If any provision of these Terms is found to be unenforceable or invalid, it will be modified to meet its intended purpose as closely as possible, and the remaining provisions will stay in effect.

Waiver:
Failure to enforce any right or obligation under these Terms doesn’t waive the right to do so in the future. A waiver of one breach doesn’t mean a waiver of any subsequent breaches.

Translation Interpretation

If these Terms and Conditions are translated, the English version will prevail in case of any disputes.

Changes to These Terms and Conditions

We may update these Terms at any time. If the changes are significant, we’ll provide at least 30 days’ notice before they take effect. By continuing to use our Service after the changes, you agree to the revised Terms. If you don’t agree with the new terms, please stop using our Service.

Contact Us

If you have any questions about these Terms and Conditions, feel free to contact us: