General Terms and Conditions

1. Acceptance and Modification of the Terms of Use 1.1 Access and use of InsurAGI AB’s (reg. no. 559430-3397) mobile app, website, and services—including InsurAGI’s Affiliates—is governed by these terms. By accessing the Website, users acknowledge reading, understanding, and accepting these Terms of Use as modified by InsurAGI. 1.2 Users warrant they are at least 18 years old and possess legal capacity to accept and comply with these terms. 1.3 Permission to use the Website and Services is automatically revoked if users violate these Terms of Use or applicable laws. 1.4 InsurAGI will post updated Terms of Use on its mobile app and website. Users should review periodically for updates. 2. Use of the Mobile App and Website 2.1 Users may download, display, or print content solely for personal, non-commercial use. Any other use—including reproduction, modification, distribution, transmission, or broadcast—is prohibited without prior written consent. 2.2 InsurAGI does not warrant that content use will not infringe third-party rights. 3. Regulatory Matters 3.1 The Company’s AI advice is “not individual advice (Sw. personlig rådgivning)” as it does not account for personal circumstances beyond provided information. InsurAGI does not offer services under The Swedish Investment Advice Act (2003:862) or The Swedish Insurance Distribution Act (2018:1219). Consumer protections under these laws do not apply. Users should seek individual legal advice regarding other potential rights. 4. Fees and Payment 4.1 All fees and service costs are charged monthly in advance by InsurAGI. 4.2 If InsurAGI cannot charge outstanding fees and users provide no new payment method after email notification, InsurAGI may charge interest for delay calculated per annum as the Swedish reference interest rate plus 2 percentage points. 4.3 InsurAGI may unilaterally increase service prices. Users receive email or in-app notification and may terminate their relationship with InsurAGI. 5. Protection of Other People’s Rights 5.1 Users agree not to post offensive content or content infringing others’ rights or violating laws on the mobile app or website. 5.2 Users agree not to post identification documents or sensitive financial/personal information on the platform. 5.3 InsurAGI reserves the right to remove content violating sections 5.1 and 5.2 or deemed inappropriate. 6. Personal Data 6.1 Personal data sent via the internet is treated, stored, and used according to InsurAGI’s “Integrity Policy” (Appendix A). Users should read the privacy policy before providing data; providing data signals agreement to be bound by it. 6.2 Other information communicated to InsurAGI—including data, questions, comments, suggestions, ideas, and graphics—is treated as non-confidential and non-proprietary. All transmitted content becomes InsurAGI property and may be freely used for any purpose including reproduction, disclosure, transmission, publication, and marketing without compensation to the provider. 6.3 By submitting information, users warrant they own the material, it is not offensive or defamatory, and InsurAGI’s use will not violate third-party intellectual property rights. InsurAGI has no obligation to use provided information. 7. Specific Insurance Information 7.1 When using InsurAGI’s Services, users may provide login credentials for insurance accounts. By doing so, users agree and instruct the Company to retrieve insurance information from external accounts to provide the Service. 7.2 InsurAGI is not responsible for verifying that user-provided information is correct. If users cannot provide correct and complete information, the Company may not provide the Service. 7.3 By providing insurance account login details, users agree that InsurAGI may approve third-party terms of use on their behalf. 8. Copyright and Intellectual Property 8.1 InsurAGI’s mobile app and website content—including all Intellectual Property Rights—is property of InsurAGI or its Affiliates or used with authorization, protected by copyright, trademark, patent, and all other applicable intellectual property laws. 8.2 “Intellectual Property Rights” means all industrial and intellectual property rights worldwide, including patents, inventions, trade secrets, proprietary information, know-how, technology, technical data, proprietary processes and formulae, algorithms, specifications, customer and supplier lists, industrial designs, trade names, logos, trade dress, trademarks, service marks, registrations and applications, Internet domain registrations, URLs, copyrights and registrations, mask works and registrations, computer software (source code, object code, firmware, development tools, files, records, data), schematics, netlists, test methodologies, test vectors, simulation tools, hardware development tools, prototypes, databases, data collections, and moral and economic rights of authors and inventors. 8.3 Except as provided in Section 2, nothing in InsurAGI’s app/website grants users a license to use content for personal or commercial purposes. Users own content posted on the platform. For intellectual property-covered content, users grant InsurAGI a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use posted content. The license ends upon content deletion or service termination. 8.4 Publishing content means allowing everyone, including non-users, to access and use that information and associate it with the user. 8.5 Deleted content may persist in backups for a reasonable time but will not be available to others. 9. Disclaimer of Warranties 9.1 Neither InsurAGI nor its Affiliates make representations or warranties about service suitability, reliability, availability, timeliness, security, or accuracy. Services and related information are provided without representations, warranties, or conditions, including regarding merchantability or fitness for particular purpose. 9.2 All material and content is furnished “as is” without guarantee, express or implied, including merchantability or fitness warranties. 9.3 The Service is provided “as-is” and “as-available.” InsurAGI does not guarantee use will match expectations, be timely, secure, or error-free. The Company is not responsible for service downtime or unavailable functionality. 9.4 Oral or written advice from InsurAGI does not create guarantees not expressly provided in these Terms. 9.5 Users access the app/website at their own risk, including risks from third parties accessing the site, altering content, adding malware (viruses, trojans, worms, time bombs, corrupted files), or damaging others’ IT equipment. InsurAGI strives to prevent such situations but declines responsibility for resulting Loss. 9.6 Neither InsurAGI nor Affiliates nor parties involved in creating, producing, or delivering the app/website may be held liable for direct, indirect, or consequential damages from user use or inability to use the app/website or contained information. 9.7 Downloaded materials are at users’ own risk. InsurAGI assumes no liability for damage, viruses, or malware affecting computer equipment from accessing, using, or downloading materials, or from illegal IT system intrusion. 9.8 InsurAGI reserves the right to interrupt or discontinue any app/website functionality and accepts no responsibility for interruption or discontinuance from InsurAGI or third-party actions or omissions. 10. Unauthorized Use 10.1 Users agree not to use the Website or Services for illegal, obscene, abusive, offensive, improper purposes, to sell goods/services, conduct surveys, competitions, chain letters, or any purpose forbidden by these Terms or applicable laws. 10.2 Users agree not to publish software, information, data, databases, music, audio/video files, photographs, images, documents, text, or materials violating intellectual property rights. Illegal or unauthorized Website use—including framing, linking to unauthorized sites, or using unauthorized robots/spiders—will be investigated and subject to legal action. 10.3 Users agree not to use the Website and Services for illegal/unlawful purposes against public order/morals, infringing others’ rights, transmitting materials encouraging unlawful/criminal conduct, or taking action creating unreasonable burdens on Website systems. 10.4 Using automated or manual practices, devices, processes, software, programs, algorithms, methodologies, or routines—including robots, spiders, or similar processes—to interfere or attempt to interfere with the Website or Services is forbidden. 10.5 Users must not use the Website or Services to cause losses for InsurAGI or third parties and must refrain from competing activities or activities damaging economic interests or reputation of InsurAGI, other users, or third parties. 10.6 If InsurAGI receives reports of violations or suspects service use violates these Terms, intellectual property rights, or applicable laws, it may unilaterally suspend or terminate access to the Website and Services. 11. User Indemnity Users agree to compensate, defend, and hold harmless InsurAGI, its agents, collaborators, directors, and employees from all claims, actions, demands, liabilities, costs, and expenses—including reasonable legal costs—deriving from violation of these Terms or guarantees, or any Website/Service use. 12. Limitation of Liability 12.1 If InsurAGI breaches these Terms, users’ compensation right is limited to direct losses (“Loss”) on a SEK-for-SEK basis according to Section 12. 12.2 InsurAGI is not responsible for Loss caused by third parties, even if engaged by InsurAGI. Compensation claims for such Losses must be directed at the third party. 12.3 Any InsurAGI payment under Section 12 is deemed a price reduction for InsurAGI’s services. 12.4 Users’ sole remedy for InsurAGI breach is compensation per this section. This remedy is exclusive; no other remedy—including Terms rescission—is available for breaches. 12.5 Instead of compensating users, InsurAGI may remedy the claim subject, provided InsurAGI (i) gives written notice within 20 Business Days after notice receipt stating it will exercise remedy rights, and (ii) compensates users for remaining Loss if the claim is not remedied within 60 Business Days from notice. 12.6 Users cannot claim compensation unless: (i) individual Loss exceeds SEK 5,000 and (ii) aggregate recoverable Losses equal or exceed SEK 15,000; then the entire amount is recoverable. 12.7 InsurAGI’s total liability under these Terms shall not exceed SEK 50,000. 12.8 Contingent liability does not constitute Loss unless/until it becomes actual and is due and payable. 12.9 InsurAGI is not liable for Losses from loss of synergies, similar profits, revenues, or advantages expected by users/Affiliates, or losses relating to liabilities/costs or profits/revenues lost under existing or expected agreements with third parties; recovered or recoverable by users from third parties; where the fact, matter, or occurrence was disclosed in these Terms, was available in the public domain, or was known or reasonably ought to have been known by users/Affiliates; occurring from applicable law not in force on the Acceptance Date; or that would not have arisen but for user/Affiliate acts, omissions, or transactions. 12.10 If compensable Loss is tax-deductible for users/Affiliates, InsurAGI’s compensation is reduced by the applicable tax rate at Loss time. 12.11 Users must take all action to mitigate compensable Loss, including enforcing recovery from third parties before acting against InsurAGI. 12.12 Users cannot claim under these Terms unless they give written notice to InsurAGI (via email) describing the claim’s nature and Loss calculation reasonably in detail within 20 Business Days after discovering claim facts and circumstances. 12.13 If users/Affiliates recover Loss from third parties after InsurAGI compensation, they must repay InsurAGI without undue delay up to the compensated amount. 12.14 If compensated by InsurAGI, users must assign—at InsurAGI’s request and to the extent permissible under applicable law—rights against persons for such Loss to InsurAGI or InsurAGI-designated persons. 12.15 Upon becoming aware of third-party claims potentially giving rise to Loss for which InsurAGI may be liable, users must: give written notice to InsurAGI; not make liability admissions, agreements, settlements, or compromises without InsurAGI’s prior written consent; not take actions adversely affecting insurance policies; take actions InsurAGI reasonably requests; and give InsurAGI and its advisors reasonable access to relevant personnel, properties, accounts, documents, and records. 12.16 If users conduct negotiation, dispute, or litigation, they must inform InsurAGI without undue delay of developments and provide copies of material correspondence or documentation. 13. Change of Information 13.1 InsurAGI reserves the right to make changes, corrections, and/or improvements to app/website content anytime without prior user notice. 14. Links 14.1 The app/website may contain hypertext links to non-InsurAGI-operated websites as a service. InsurAGI is not responsible for these sites and does not assume responsibility or liability for their functions, content, legality, accuracy, or operations. 15. Loss of Password 15.1 InsurAGI does not keep passwords in recoverable form. Users may request a new password to access accounts. 15.2 Users may request new passwords through the Password Reset Facility on InsurAGI’s mobile app and website. 15.3 After receiving a new password, users should log in and change the password through the Password Change Facility. 16. Sanctions Lists 16.1 Users warrant and represent they are not, nor owned by or under common control by any person/entity on the Specially Designated Nationals and Blocked Persons list (SDN List) or other anti-money laundering provisions administered by the Office of Foreign Assets Control, or prohibited from entering these Terms through Executive Order 13224, the USA Patriot Act, the Trading with the Enemy Act, or similar acts. 17. Miscellaneous 17.1 These Terms embody the entire agreement between InsurAGI and users concerning app/website access, use, and content. 17.2 Service use subject to these Terms is not authorized in jurisdictions not recognizing all specified clause validity. 17.3 Users acknowledge and expressly agree: (i) InsurAGI service performance may begin before the 14-day withdrawal period ends per the Swedish Distance and Off-Premises Contracts Act (Distansavtalslagen (lag 2005:59)); and (ii) withdrawal rights are lost once performance begins. 17.4 If service access is terminated, users remain bound by Terms-derived obligations and conditions. InsurAGI is not liable to users or third parties for access termination. Users may withdraw from the Terms anytime by canceling service registration. 17.5 InsurAGI’s tolerance of user Term violations or non-enforcement of rights does not constitute rights waiver. 17.6 The Company may assign, transfer, pledge, or grant security interests in Terms rights without prior user written consent. 17.7 If any Terms provision is deemed illegal by law, regulation, or court ruling, such provision is struck; all other Terms provisions maintain full force and effect. 17.8 Unless expressly provided otherwise, non-parties to these Terms have no rights to enforce or benefit from any clause. InsurAGI may engage subcontractors to perform some or all execution and management of operations under these Terms. 17.9 No joint venture, partnership, employment, or agency relationship is established between users and InsurAGI from these Terms or service use. 17.10 If these Terms conflict with other terms, conditions, and/or agreements between InsurAGI and users, these Terms prevail. 17.11 Terms headings are for convenience only and do not alter or modify terms and conditions. 17.12 Users agree that Swedish Courts have exclusive jurisdiction to settle disputes arising from or connected to InsurAGI app/website use.