Last Updated: April 10, 2025

These Terms and Conditions (“Terms”) govern your access to and use of the insurancethrive.com website (“Website”), operated by Insurance Thrive LLC (“Company,” “we,” “our,” or “us”). By using the Website, you accept and agree to be legally bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our Website.

1. Acceptance of Terms

By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and all applicable laws and regulations. These Terms form a binding legal agreement between you and insurancethrive.com.

2. Eligibility

To use the Website, you must be at least 18 years of age or the age of majority in your jurisdiction. By using this Website, you represent and warrant that you meet these eligibility requirements and have the right, authority, and capacity to enter into and abide by these Terms.

3. Modification of Terms

We reserve the right to change or update these Terms at any time without prior notice. Any changes to these Terms will be effective immediately upon posting. Your continued use of the Website after changes are made constitutes your acceptance of the revised Terms.

4. Website Access and Use

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Website in any way that violates applicable laws or regulations

• Transmit or upload any viruses, malware, or other harmful code

• Attempt unauthorized access to any part of the Website

• Interfere with or disrupt the Website’s functionality

• Use the Website to harass, abuse, or harm others

5. Intellectual Property Rights

All content on the Website, including but not limited to text, images, logos, graphics, videos, and software, is the property of insurancethrive.com or its content suppliers and is protected by international copyright, trademark, and intellectual property laws. You may not copy, reproduce, distribute, modify, display, perform, publish, license, create derivative works from, or sell any content without our express written permission.

6. User Submissions

By submitting content to the Website (e.g., testimonials, comments, or reviews), you grant us a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, adapt, publish, translate, and distribute such content. You represent and warrant that your submissions do not infringe any third-party rights and comply with all applicable laws.

7. Disclaimers and Limitations of Liability

The Website and its content are provided “as is” and “as available.” We make no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included. To the fullest extent permissible under applicable law, we disclaim all warranties, express or implied.

We do not guarantee:

• The accuracy, completeness, or usefulness of the content

• That the Website will be uninterrupted, error-free, or free of viruses

• That the information is current or relevant to your situation

In no event shall we be liable for any damages, including but not limited to direct, indirect, incidental, punitive, or consequential damages, arising from your use of the Website.

8. Indemnification

You agree to indemnify, defend, and hold harmless insurancethrive.com, its affiliates, directors, employees, and agents from and against all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of the Website, your violation of these Terms, or your violation of any third-party rights.

9. Third-Party Links

Our Website may include links to third-party websites for your convenience. These links do not imply endorsement, sponsorship, or affiliation. We are not responsible for the content, terms, or privacy practices of these third-party sites. You access these sites at your own risk.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions. Any legal action or proceeding relating to your use of the Website shall be instituted in a federal or state court located in Delaware.

11. Termination

We may terminate or suspend your access to the Website at our sole discretion, without notice, if we determine that you have violated these Terms or applicable laws. All provisions of the Terms that by their nature should survive termination shall survive, including ownership provisions, disclaimers, indemnity, and limitations of liability.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be enforced to the maximum extent possible, and the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms constitute the entire agreement between you and insurancethrive.com with respect to the Website and supersede all prior agreements or understandings.

14. Contact Information

For any questions about these Terms and Conditions, please contact us:

Email: info@insurancethrive.com
Mailing Address: 30B Panditya Road, Kolkata 700029, West Bengal, India