Last Updated: October 1, 2023
Welcome to Swedish Insurance Guide. These Terms of Service ("Terms") govern your access to and use of the Swedish Insurance Guide website, mobile applications, and services (collectively, the "Services"). Please read these Terms carefully, as they constitute a legally binding agreement between you and Swedish Insurance Guide ("we," "our," or "us").
By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.
In these Terms, the following definitions apply:
To use certain features of our Services, you may need to register for an Account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for safeguarding your password and for all activities that occur under your Account. You agree to notify us immediately if you suspect any unauthorized use of your Account.
You must be at least 18 years old to create an Account and use our Services. By creating an Account, you represent and warrant that you are at least 18 years old.
You may not create more than one Account without our express permission. We reserve the right to terminate any duplicate Accounts.
We reserve the right to suspend or terminate your Account at any time for any reason, including but not limited to violation of these Terms. You may also terminate your Account at any time by contacting our customer service.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for your personal, non-commercial use.
In your use of the Services, you agree not to:
We reserve the right to modify, suspend, or discontinue the Services (or any part thereof) at any time, with or without notice. We will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services.
The Services and all Content provided through the Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the property of Swedish Insurance Guide or our licensors and are protected by copyright, trademark, and other intellectual property laws. The compilation of all Content on the Services is our exclusive property and is protected by copyright, trademark, and other intellectual property laws.
We may allow you to post, upload, publish, submit, or transmit User Content. By submitting User Content to the Services, you grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, fully-paid, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform, and publicly display your User Content in any media format and channel now known or later developed.
You represent and warrant that: (1) you own the User Content or have the right to use it and grant us the rights and license as provided in these Terms, and (2) the submission of your User Content does not violate the privacy rights, publicity rights, copyrights, contract rights, or any other rights of any person.
We have the right, but not the obligation, to review, monitor, or remove User Content at our sole discretion, at any time, and for any reason without notice. You are solely responsible for any User Content you post, upload, publish, submit, or transmit through the Services.
The Services contain material, such as software, text, graphics, images, and other material provided by or on behalf of Swedish Insurance Guide (collectively, "Content"). The Content may be owned by us or third parties. The Content is protected under both Swedish and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws.
The Swedish Insurance Guide name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Swedish Insurance Guide or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Services are the trademarks of their respective owners.
If you believe that any Content on the Services infringes upon your copyright, please notify us by providing the following information:
You can provide this information to us at: [email protected]
The Services may contain links to third-party websites or resources. We provide these links only as a convenience and are not responsible for the content, products, or services on or available from those websites or resources. We have no control over the contents of those websites or resources, and you acknowledge and agree that we are not responsible for the availability of such external websites or resources, and do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES ARE ERROR-FREE OR THAT ACCESS THERETO WILL BE UNINTERRUPTED OR ERROR-FREE. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US OR OUR AUTHORIZED REPRESENTATIVES SHALL CREATE A WARRANTY.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THE SERVICES. UNDER NO CIRCUMSTANCES WILL WE BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS IS LIMITED TO THE AMOUNT YOU HAVE PAID TO USE THE SERVICES IN THE PAST TWELVE MONTHS OR $100, WHICHEVER IS GREATER.
THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND US. 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.
You agree to defend, indemnify, and hold harmless Swedish Insurance Guide, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.
These Terms and your use of the Services shall be governed by and construed in accordance with the laws of Sweden, without giving effect to any choice or conflict of law provision or rule.
Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in Stockholm, Sweden, using the Swedish language in accordance with the Arbitration Rules of the Arbitration Institute of the Stockholm Chamber of Commerce, which are deemed to be incorporated by reference into this clause. The arbitration panel shall consist of one arbitrator. The decision of the arbitrator will be final and binding on the parties.
We may revise these Terms from time to time at our sole discretion. We will provide notice of any material changes by posting the updated Terms on the Services, sending you an email, or by other reasonable means. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of the revised Terms.
These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference herein, constitute the entire agreement between you and us concerning the Services.
Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. We may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.
Any notices or other communications provided by us under these Terms, including those regarding modifications to these Terms, will be given by posting to the Services and/or via email. You agree that any and all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
If you have any questions about these Terms, please contact us at: