By accessing or using our website, you agree to comply with and be bound by the following terms and conditions of use. Please read these terms carefully before using our website.

1. Acceptance of Terms

By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms of use. If you do not agree to these terms, please do not use our website.

2. Use of Website

Our website is intended for use by individuals who are at least 18 years old or the legal age of majority in their jurisdiction. You may use our website for lawful purposes only and in compliance with all applicable laws and regulations.

3. Privacy Policy

Your use of our website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our website, you consent to the collection and use of your information as described in our Privacy Policy.

4. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of 18 Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or otherwise use any content from our website without our prior written consent.

5. Disclaimer of Warranties

Our website is provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, secure, or error-free, or that any defects will be corrected. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

6. Limitation of Liability

In no event shall 18 Insurance or its affiliates be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of our website, whether based on contract, tort, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.

7. Indemnification

You agree to indemnify and hold harmless 18 Insurance and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or in any way connected with your use of our website or violation of these terms of use.

8. Changes to Terms

We reserve the right to change these terms of use at any time without prior notice. Any changes will be effective immediately upon posting on our website. Your continued use of our website after any such changes constitutes your acceptance of the revised terms of use.

9. Governing Law

These terms of use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflicts of law principles. Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in California.

10. Contact Us

If you have any questions or concerns about these terms of use, please contact us.

By using our website, you agree to these terms of use. If you do not agree to these terms, please do not use our website.