Terms of Use

Last Updated:  January 12, 2025

This website (the “Site”) is owned and operated by Zuration Ltd, an independent insurance underwriter, located at 1285 Baring Blvd, Suite 345, Sparks, NV 89434 (“COMPANY,” “we,” or “us”). By using the Site, you agree to be bound by these Terms of Use and to use the Site in accordance with these Terms of Use, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Use.

We reserve the right to change these Terms of Use or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms of Use on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Use, as modified.

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Intellectual Property Rights

Our Limited License to You

This Site and all the materials available on the Site are the property of Zuration Ltd and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal, noncommercial use. Unless explicitly authorized in these Terms of Use or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site. You may download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Your License to Us

By posting or submitting any material (including, without limitation, comments, blog entries, photos, or videos) to us via the Site, internet groups, social media venues, or to any of our staff, you grant us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, create derivative works from, distribute, and/or publicly perform or display such material.

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Limitations on Linking and Framing

You may establish a hypertext link to the Site so long as the link does not state or imply any sponsorship of your site by us. However, you may not, without our prior written permission, frame or inline link any of the content of the Site or incorporate any of our material, content, or intellectual property into another website or service.

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Educational & Informational Purpose; Insurance Disclaimer

The content on this Site is provided for educational and informational purposes only. Nothing on this Site constitutes professional financial, tax, or legal advice. Zuration Ltd is an independent insurance underwriter. We do not act as a fiduciary and do not guarantee coverage eligibility, claims approval, or policy performance.

You should consult with a licensed professional before making any financial or insurance decisions. Your use of the Site does not create an agent-client relationship with Zuration Ltd.

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Insurance Licensing & Jurisdiction

Zuration Ltd conducts insurance business only in jurisdictions where it is duly licensed or otherwise authorized. Not all products or services described on this Site are available in all states or to all persons.

If you access this Site from outside of the jurisdictions where Zuration Ltd is licensed, you are responsible for compliance with local laws and regulations. The availability of products, services, and information on this Site does not constitute an offer or solicitation to sell insurance in any jurisdiction where such activities are not permitted.

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Disclaimers

We may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship. We are not responsible for any information, products, or services offered by third parties.

THE INFORMATION, PRODUCTS, AND SERVICES OFFERED ON OR THROUGH THE SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

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Online Commerce

Certain sections of the Site may allow you to purchase products or services online. If you make a purchase, the information you provide (such as payment and contact details) may be collected by both us and the merchant. Third-party merchants may have privacy and data collection practices different from ours, and we are not responsible for their policies.

You agree to use the Site for legitimate, non-commercial purposes only and not for fraudulent or speculative purposes.

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Interactive Features

This Site may include interactive features such as contact forms, comment sections, or messaging. Responsibility for what is posted lies with each user. You agree not to use the Site to:

• Violate any laws or third-party rights.

• Post unlawful, defamatory, obscene, or harmful material.

• Introduce viruses or malicious code.

• Engage in unauthorized advertising or solicitation.

We reserve the right to remove or edit user content at any time.

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Registration & Passwords

Some features of the Site may require registration. You agree to provide accurate, current, and complete information and to maintain the confidentiality of your login credentials. You are responsible for all activities under your account.

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Limitation of Liability

To the maximum extent permitted by law, Zuration Ltd and its officers, employees, and affiliates shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site, reliance on Site content, or the purchase of any products or services.

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Termination

We may cancel or terminate your right to use the Site at any time without notice. Upon termination, you must cease all use of the Site.

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Digital Millennium Copyright Act (DMCA)

We respect intellectual property rights. If you believe material on this Site infringes your copyright, you may contact us at:

Zuration Ltd

1285 Baring Blvd, Suite 345

Sparks, NV 89434

Email: info-at-zuration.com

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Governing Law & Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Nevada. Any disputes shall be subject to binding arbitration in Washoe County, Nevada.

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Class Action Waiver

You may only resolve disputes with us on an individual basis. Class actions, class arbitrations, and representative proceedings are not permitted.

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Severability

If any provision of these Terms of Use is found to be unenforceable, the remaining provisions will remain in full force and effect.

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Contact Information

If you have any questions regarding these Terms of Use, please contact us:

Zuration Ltd

1285 Baring Blvd, Suite 345

Sparks, NV 89434

Email: info-at-zuration.com