Terms of Service

1. Introduction

Welcome to Insurance Technology Experts (ITE) (“we,” “our,” “us”). By accessing or using our website, software, platforms, or services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you must discontinue use immediately.

2. Eligibility

You must be at least 18 years old and legally able to enter contracts to use our Services. If you are using our Services on behalf of a company, you represent that you have authority to bind that company to these Terms.

3. Services Provided

ITE provides technology solutions, consulting, and tools designed to support insurance operations, digital transformation, analytics, customer experience, and workflow automation. The exact scope of services may vary depending on your agreement, subscription level, or project proposal.

4. No Financial or Legal Advice

Our Services may involve data insights or projections, but we do not provide insurance, financial, investment, or legal advice. All business decisions remain solely your responsibility.

5. Account Registration

To access certain Services, you may need to create an account. You agree to:

  • Provide accurate, complete information.

  • Keep your login credentials confidential.

  • Notify us immediately of any unauthorized access.

You are responsible for all activity under your account.

6. Fees and Payment

If you purchase paid Services:

  • Fees will be disclosed prior to payment.

  • Payments must be made on time unless otherwise agreed in writing.

  • All fees are non-refundable unless stated otherwise.

Failure to pay may result in suspension or termination of Services.

7. Intellectual Property

All content, software, materials, branding, workflows, and tools provided by ITE are the intellectual property of Insurance Technology Experts and may not be copied, modified, resold, or distributed without written permission.

You may not:

  • Reverse engineer our systems.

  • Remove ownership notices.

  • Use our IP outside the agreed scope of use.

8. Client Data

We may store and process data provided by you to deliver Services. We do not sell client data. We follow reasonable industry practices to protect data but cannot guarantee absolute security. You are responsible for securing your own systems and login credentials.

9. Confidentiality

Both parties agree to keep confidential information shared during the course of the engagement private, unless disclosure is required by law or mutually agreed in writing.

10. Third-Party Services

Our Services may integrate with third-party tools. We are not responsible for the actions, outages, data handling, or terms of those third-parties. Their terms apply separately.

11. Limitation of Liability

To the maximum extent permitted by law:

  • ITE is not liable for indirect, incidental, special, or consequential damages.

  • Our total liability for claims shall not exceed the amount paid by you to ITE in the last 12 months.

12. Termination

We may suspend or terminate access to the Services at any time for violation of these Terms. You may terminate at any time by discontinuing the use of our Services. Certain sections (such as Intellectual Property, Confidentiality, and Limitation of Liability) will continue after termination.

13. Changes to Terms

We may update these Terms when necessary. The latest version will always be posted on our website with the updated date. Continued use constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of [Insert Country/State]. Any disputes will be handled exclusively in the courts located in that jurisdiction.

15. Contact Information

For questions regarding these Terms, contact us at:
Email: [Insert Email]
Website: [Insert Website]
Company: Insurance Technology Experts (ITE)

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