Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") govern access to and use of the OptiInsure website, software, and related services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms.

2. Eligibility and Authority

You represent that you are at least 18 years old and have authority to bind yourself or the organization you represent.

3. Use of Services

You agree to use the Services only for lawful business purposes and not to:

• Violate applicable laws or regulations.
• Infringe third-party rights, including privacy and intellectual property rights.
• Access, interfere with, or attempt to bypass security controls or service restrictions.
• Upload malicious code or otherwise disrupt platform operations.
• Reverse engineer or derive source code from the Services, except where prohibited by law.

4. Accounts and Credentials

If account access is provided, you are responsible for maintaining confidentiality of credentials and all activities under your account. Notify us promptly of any unauthorized use.

5. Customer Data

You retain ownership of data and materials you submit to the Services ("Customer Data"). You grant us a limited license to process Customer Data solely to provide, secure, and improve the Services and as otherwise permitted by applicable agreements and law.

6. Intellectual Property

The Services, including software, design, trademarks, and content, are owned by OptiInsure or its licensors and are protected by applicable intellectual property laws. Except as expressly allowed, no rights are granted to you by implication or otherwise.

7. Third-Party Services

The Services may integrate with third-party products or websites. We are not responsible for third-party terms, content, or practices.

8. Disclaimers

To the maximum extent permitted by law, the Services are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the maximum extent permitted by law, OptiInsure and its affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenues, data, or goodwill arising from or related to use of the Services.

10. Indemnification

You agree to indemnify and hold harmless OptiInsure, its affiliates, officers, directors, employees, and agents from claims, liabilities, damages, and expenses arising out of your violation of these Terms or misuse of the Services.

11. Suspension and Termination

We may suspend or terminate access to the Services if required for security, legal compliance, non-payment, or material breach of these Terms.

12. Changes to Services or Terms

We may modify the Services or these Terms from time to time. Updated Terms will be posted on this page with a revised "Last updated" date. Continued use of the Services after updates constitutes acceptance of revised Terms.

13. Governing Law

These Terms are governed by applicable laws of India, without regard to conflict-of-laws principles, unless otherwise required by law.

14. Contact

Questions about these Terms can be sent to info@optiinsure.in.