Terms of Service

1. Acceptance of Terms

By accessing and using Umbra360's services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service ("Terms") govern your use of the Umbra360 platform and services.

2. Description of Service

Umbra360 provides a comprehensive SaaS platform for insurance policy and certificate management, offering tools for consumers, agents, third parties, and carriers to manage insurance-related operations and data.

3. User Accounts

To access certain features of our service, you must register for an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Providing accurate and complete information during registration

4. Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the service for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the service or servers
• Upload or transmit malicious code, viruses, or other harmful content
• Violate any applicable data protection or privacy laws

5. Data Privacy and Security

We take data privacy and security seriously. Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using our services, you consent to the collection and use of information as described in our Privacy Policy.

6. Intellectual Property

The Umbra360 platform, including all content, features, and functionality, is owned by Umbra360 and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

7. Service Availability

While we strive to maintain high service availability, we do not guarantee that our services will be available at all times. We may experience downtime due to maintenance, updates, or unforeseen circumstances.

8. Limitation of Liability

To the fullest extent permitted by law, Umbra360 shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses resulting from your use of the service.

9. Indemnification

You agree to defend, indemnify, and hold harmless Umbra360 and its affiliates from and against any claims, damages, costs, and expenses (including reasonable attorneys' fees) arising from your use of the service or violation of these Terms.

10. Termination

We may terminate or suspend your account and access to the service at any time, without prior notice or liability, for any reason, including if you breach these Terms.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website. Your continued use of the service after such modifications constitutes acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Umbra360