Terms of Services
Last Updated: January 2025
Welcome to mintcream-salamander-987179.hostingersite.com. These Terms of Service explain the rules for using our website. We’ve written them in plain English because we believe legal agreements shouldn’t require a law degree to understand.
By using mintcream-salamander-987179.hostingersite.com, you agree to these terms. If you don’t agree, please don’t use our site. It’s that simple.
TABLE OF CONTENTS
- 1. Acceptance of Terms
- 2. Who Can Use Our Site
- 3. How You Can Use Our Content
- 4. Your Content and Comments
- 5. Contributor Guidelines
- 6. What We're Not Responsible For
- 7. Links to Other Websites
- 8. Advertising and Sponsorships
- 9. Newsletter Subscriptions
- 10. Account Termination
- 11. Changes to These Terms
- 12. Dispute Resolution
- 13. General Legal Stuff
- 14. Contact Us
1. ACCEPTANCE OF TERMS
By accessing or using mintcream-salamander-987179.hostingersite.com, you agree to:
- Follow these Terms of Service
- Comply with our Privacy Policy
- Adhere to our Editorial Standards
- Respect our intellectual property rights
- Use the site for lawful purposes only
If you represent a company or organization, you confirm you have authority to bind that entity to these terms.
2. WHO CAN USE OUR SITE2. HOW WE USE YOUR INFORMATION
InsureTechTrends is a professional B2B publication designed for industry professionals. To use our site, you must:
- Be at least 18 years old
- Provide accurate information when registering or subscribing
- Not be prohibited from using our services under applicable laws
- Use the site for professional and educational purposes
We reserve the right to refuse service to anyone for any reason at any time.Email Policy: We’ll never spam you. Newsletter emails include easy unsubscribe links, and we honor all unsubscribe requests within 24 hours.
3. HOW YOU CAN USE OUR CONTENT3. DATA SHARING AND THIRD PARTIES
Our Content Belongs to Us
All content on mintcream-salamander-987179.hostingersite.com—including articles, analysis, images, logos, design, and code—is owned by InsureTechTrends or our content creators and is protected by copyright, trademark, and other intellectual property laws.
We Don’t Sell Your Data
Let’s be crystal clear: we do not sell, rent, or trade your personal information to third parties. Your data isn’t a product to us—it’s a responsibility.
We only share information in these specific situations:
- Read and enjoy our content (that's why we publish it!)
- Share links to our articles on social media
- Quote brief excerpts with proper attribution
- Subscribe to our newsletter
- Print articles for personal, non-commercial use
What You Cannot DoThird-Party Services We Use
- Copy, reproduce, or republish entire articles without permission
- Use our content for commercial purposes without a license
- Remove copyright notices or author attribution
- Scrape, crawl, or systematically download our content
- Frame or embed our content on other websites without permission
- Modify or create derivative works from our content
- Use our content to train AI models or create competing publications
Fair Use and Permissions
For press inquiries, content licensing, or syndication requests, contact us at hello@mintcream-salamander-987179.hostingersite.com.
We’re reasonable people. If you want to use our content in a meaningful way, just ask. We often say yes.
4. YOUR CONTENT AND COMMENTS
When You Comment
By posting comments on mintcream-salamander-987179.hostingersite.com, you agree that:
- You own the content or have permission to post it
- Your comment doesn't violate anyone's rights
- You grant us a non-exclusive, royalty-free license to display your comment
- You're responsible for the content you post
Comment Rules
We encourage thoughtful discussion, but we don’t tolerate:
- Personal attacks, harassment, or hate speech
- Spam, self-promotion, or excessive linking
- Impersonation or false information
- Confidential or proprietary information
- Illegal content or activity promotion
- Off-topic or disruptive comments
We reserve the right to moderate, edit, or remove any comment at our discretion.
We Don’t Endorse User Content
Comments and user-generated content represent the views of individual users, not InsureTechTrends. We’re not responsible for user-posted content.
5. CONTRIBUTOR GUIDELINES
Guest Articles and Submissions
If you submit articles or content to InsureTechTrends, you agree that:
- Your submission is original work that you own
- You grant us the right to edit, publish, and promote your content
- You retain ownership of your intellectual property
- You provide accurate author information and credentials
- Your content meets our Editorial Standards
We may choose not to publish any submission for any reason, and we’re not obligated to provide detailed feedback on declined submissions.
Author Bio and Attribution
Published contributors receive:
- Author byline and bio
- Backlink to your website or LinkedIn profile
- Social media promotion of your article
- Association with InsureTechTrends brand
6. WHAT WE’RE NOT RESPONSIBLE FOR
Disclaimer of Warranties
mintcream-salamander-987179.hostingersite.com is provided “as is” without warranties of any kind, either express or implied. We don’t guarantee that:
- The site will be available 24/7 without interruption
- Content is error-free or completely accurate
- The site is free from viruses or harmful components
- Any specific content will remain available indefinitely
Limitation of LiabilityNo System Is Perfect
To the fullest extent permitted by law, InsureTechTrends and its team members are not liable for:While we take data security seriously, no internet transmission is 100% secure. We cannot guarantee absolute security but we continuously work to improve our protections.
- Any indirect, incidental, special, or consequential damages
- Loss of profits, revenue, data, or business opportunities
- Damages resulting from your use or inability to use the site
- Damages from unauthorized access to your data
- Reliance on information found on our site
This Is Industry News and Analysis, Not Professional AdviceData Retention
Our content provides news, insights, and analysis about the InsurTech industry. It is not:
- Legal advice (consult a lawyer)
- Financial advice (talk to a financial advisor)
- Investment recommendations (work with an investment professional)
- Insurance guidance (speak with a licensed insurance professional)
You assume all risk when making business decisions based on our content. Always consult qualified professionals for specific advice.
Maximum Liability Cap
In any event, our total liability to you for all claims shall not exceed $100 or the amount you paid us in the past 12 months (whichever is greater). Since our content is free, this is likely $100.
7. LINKS TO OTHER WEBSITES7. CHILDREN’S PRIVACY
Our site contains links to third-party websites and resources. These links are provided for convenience and don’t imply:
- Endorsement of the linked site or its content
- Affiliation with the linked organization
- Responsibility for their privacy practices or terms
- Accuracy of information on external sites
We’re not responsible for the content, products, services, or practices of any third-party website. When you click external links, you leave our site and are subject to the terms and policies of that website.
Use external links at your own risk.
8. ADVERTISING AND SPONSORSHIPS
Advertising on Our Site
InsureTechTrends may display advertisements and sponsored content. We clearly label sponsored content to maintain transparency.
Advertisers and sponsors must:
- Comply with applicable advertising laws and regulations
- Provide accurate, non-deceptive advertising content
- Respect our editorial independence
- Not make false or misleading claims
Third-Party Advertisements
We’re not responsible for the content, accuracy, or offers made in third-party advertisements. Your interactions with advertisers are solely between you and them.
Editorial Independence
Our editorial content is independent from advertising. Sponsorships don’t influence our news coverage, analysis, or reviews.
9. NEWSLETTER SUBSCRIPTIONS
When you subscribe to our newsletter:
- You consent to receive periodic emails from InsureTechTrends
- We'll honor your unsubscribe request within 24 hours
- We won't share your email address with third parties (see Privacy Policy)
- You can manage your subscription preferences at any time
We reserve the right to discontinue or modify our newsletter at any time.
10. ACCOUNT TERMINATION
Your Right to Stop Using Our Site
You can stop using mintcream-salamander-987179.hostingersite.com at any time. Just unsubscribe from our newsletter and stop visiting the site.
Our Right to Terminate Access
We reserve the right to suspend or terminate your access to our site if you:
- Violate these Terms of Service
- Engage in abusive or disruptive behavior
- Attempt to compromise site security
- Use the site for illegal purposes
- Create multiple accounts to evade restrictions
Termination doesn’t affect any rights or obligations that arose before termination.
11. CHANGES TO THESE TERMS
We may update these Terms of Service to reflect:
- Changes in our services or features
- New legal requirements
- User feedback and industry best practices
- Clarifications based on user questions
When We Make Changes:
- We'll update the "Last Updated" date at the top
- For material changes, we'll notify newsletter subscribers
- Continued use of the site after changes constitutes acceptance
- We'll provide reasonable notice for significant changes
12. DISPUTE RESOLUTION
Let’s Talk First
If you have a dispute with InsureTechTrends, please contact us first at hello@mintcream-salamander-987179.hostingersite.com. We’re committed to resolving issues fairly and quickly.
Governing Law
These Terms of Service are governed by the laws of the State of California, United States, without regard to conflict of law provisions.
Jurisdiction
You agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in California, and you consent to the jurisdiction of those courts.
Arbitration Agreement
For disputes that can’t be resolved informally, you agree to binding arbitration rather than court proceedings, except for:
- Small claims court matters
- Intellectual property disputes
- Injunctive relief requests
Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.
No Class Actions
You agree to bring claims only in your individual capacity, not as part of any class or representative action.
13. GENERAL LEGAL STUFF
Entire Agreement
These Terms of Service, along with our Privacy Policy and Editorial Standards, constitute the entire agreement between you and InsureTechTrends.
Severability
If any provision of these terms is found unenforceable, the remaining provisions will remain in full effect.
No Waiver
Our failure to enforce any right or provision doesn’t constitute a waiver of that right or provision.
Assignment
You cannot transfer or assign your rights under these terms. We may assign our rights to any successor or affiliate.
Force Majeure
We’re not liable for delays or failures caused by circumstances beyond our reasonable control (natural disasters, pandemics, wars, internet outages, etc.).
Survival
Provisions that should reasonably survive termination (intellectual property, disclaimers, limitations of liability) will remain in effect.
14. CONTACT US
Questions About These Terms?
We’re here to help clarify anything that’s unclear.
General Inquiries: hello@mintcream-salamander-987179.hostingersite.com
Legal Matters: legal@mintcream-salamander-987179.hostingersite.com
Response time: Within 5 business days
Mailing Address (for formal legal notices): InsureTechTrends Legal Department [Address to be provided]