Terms and Conditions of Use

The information contained within the Website is intended for general information purposes only. We are not a mortgage broker, finance institution or other licensed operator. Content of, and/or opinions expressed on the Website and in any corresponding comments are the personal opinions of the original authors, not of THE COMPANY. We again clarify that WE DO NOT OFFER LOANS OR INSURANCES OURSELVES BUT ONLY ALLOW USERS TO FIND LENDING AND INSURANCE PARTNERS THAT MAY OFFER THEM A LOAN OR INSURANCE.

Your use of the Website forms a legal agreement between you and THE COMPANY and is subject to the terms of that agreement as stated in these Terms of Use. You acknowledge and agree that THE COMPANY may modify, suspend or discontinue (permanently or temporarily) providing the Website to you or to users generally, at THE COMPANY’s sole discretion, without prior notice to you. You agree that THE COMPANY shall not be liable to you or any third party for any such modification, suspension or discontinuance of the Website. Any such modifications or amendments shall take effect upon posting to the website. Accordingly, we recommend that you revisit these terms of use on a regular basis.

The information contained within the Website is intended for general information purposes only. We are not a mortgage broker, finance institution or other licensed operator. Content of, and/or opinions expressed on the Website and in any corresponding comments are the personal opinions of the original authors, not of THE COMPANY. The content is provided for informational purposes only and is not meant to be an endorsement or representation by THE COMPANY or any other party. You understand that all information (such as data files, written text, computer software, music, audio files or other sounds, photographs, videos or other images) which you may have access to as part of, or through your use of, the Website are the sole responsibility of the person from which such content originated. You understand and acknowledge that the Website may be protected by intellectual property rights which are owned by THE COMPANY or by other entities. You may not modify, rent, lease, loan, sell, distribute or create derivative works based on the Website, either in whole or in part, unless you have been specifically told that you may do so by THE COMPANY or by the owners of rights to content of the Website, in a separate agreement.

Use of Website

You may only use the Website if you are above 18 years old. We do not support or allow the use of the Website by minors.

THE COMPANY authorizes you to use the Website only for your own personal, non-commercial purposes. Use of the Website for any public or commercial purpose (including, without limitation, on another site or through a networked computer environment) without an express written agreement with THE COMPANY is strictly prohibited. If you make copies of any of the Materials, you must retain on any such copies all copyright and other proprietary notices contained in the original Materials. You may not modify, publicly display, publicly perform, or distribute the Materials. As between you and THE COMPANY, THE COMPANY owns the Website. The Website is protected under UK and international copyright laws. Any unauthorized use of the Website may violate copyright, trademark, and other laws.

You agree to use the Website only for purposes that are permitted by (a) the Terms of Use and (b) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions. You specifically agree not to access (or attempt to access) the Website through any automated means (including use of scripts or web crawlers). You agree that you will not engage in any activity that interferes with or disrupts the Webisite. Unless you have been specifically permitted to do so in a separate agreement with THE COMPANY, you agree that you will not reproduce, duplicate, copy, sell, trade or resell the Materials for any purpose. You agree that you are solely responsible for (and that THE COMPANY has no responsibility to you or to any third party for) any breach of your obligations under the Terms of Use and for the consequences (including any loss or damage which THE COMPANY may suffer) of any such breach.

THE COMPANY reserves the right (but shall have no obligation) to pre-screen, review, flag, filter, modify, refuse or remove any or all content from the Website

Access

You are responsible for maintaining the confidentiality of your Website password and you are solely responsible for all activities that occur under your password. You agree to notify THE COMPANY immediately of any unauthorized use of your password or any other breach of security related to the Website. THE COMPANY reserves the right to require you to change your password if THE COMPANY believes that your password no longer is secure.

Prohibited use

You agree not to use the Website (a) in a manner that violates any applicable law, regulation, rule, order, treaty, or other law; (b) to interfere with third parties’ rights; (c) to impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity; or (d) to interfere with or disrupt the Website or servers or networks connected to the Website. You further agree not to (1) use any data mining, robots, or similar data gathering or extraction methods in connection with the Website; or (2) attempt to gain unauthorized access to any portion of the Website or any other accounts, computer systems, or networks connected to the Website, whether through hacking, password mining, or any other means.

Termination

THE COMPANY may terminate, suspend, or modify your registration with, or access to, all or part of the Website, without notice, at any time and for any reason. You may discontinue your participation in and access to the Website at any time. If you breach any of these Terms of Use, your authorization to use the Website automatically terminates and you agree to immediately destroy any downloaded or printed content obtained from the Website (and any copies thereof)

Disclaimers

THE SITE IS PROVIDED “AS-IS” AND “AS AVAILABLE” AND WE (EXPRESSLY DISCLAIM ANY WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE COVERED SITES: (A) WILL MEET YOUR REQUIREMENTS; (B) WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; OR (C) WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE.

DUE TO THE INHERENT NATURE OF THE INTERNET, WE CANNOT GUARANTEE THAT INFORMATION, DURING TRANSMISSION THROUGH THE INTERNET OR WHILE STORED ON OUR SYSTEM OR OTHERWISE IN OUR CARE, WILL BE ABSOLUTELY SAFE FROM INTRUSION BY OTHERS, SUCH AS HACKERS. THE COMPANY ASSUMES NO LIABILITY FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATIONS LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, OR ALTERATION OF, ANY USER CONTENT. THE COMPANY IS NOT RESPONSIBLE FOR ANY PROBLEMS OR TECHNICAL MALFUNCTION OF ANY TELEPHONE NETWORK OR LINES, COMPUTER ONLINE SYSTEMS, SERVERS OR PROVIDERS, COMPUTER EQUIPMENT, SOFTWARE, OR FAILURE OF ANY EMAIL DUE TO TECHNICAL PROBLEMS OR TRAFFIC CONGESTION ON THE INTERNET OR ON ANY OF THE COVERED SITES OR COMBINATION THEREOF, INCLUDING ANY INJURY OR DAMAGE TO USERS OR TO ANY PERSON’S COMPUTER RELATED TO OR RESULTING FROM PARTICIPATION IN ANY ACTIVITIES ON THE COVERED SITES OR DOWNLOADING MATERIALS. YOU UNDERSTAND THAT IF YOU DOWNLOAD ANY MATERIAL, YOU DO SO AT YOUR SOLE RISK. UNDER NO CIRCUMSTANCES SHALL THE COMPANY BE RESPONSIBLE FOR ANY LOSS OR DAMAGE, INCLUDING PERSONAL INJURY OR DEATH, RESULTING FROM USE OF THE COVERED SITES, ANY CONTENT POSTED ON OR THROUGH THE COVERED SITES, OR CONDUCT OF ANY USERS OF THE COVERED SITES, WHETHER ONLINE OR OFFLINE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

PLEASE MAKE SURE TO REVIEW OTHER DISCLAIMERS FOUND IN THE WEBSITES SUCH AS FOR REVIEWS, OWNERSHIP, AFFILIATES ETC.

Limitation of Liability

IN NO EVENT WILL THE COMPANY BE LIABLE FOR (A) ANY INDIRECT, SPECIAL,CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OR (B) ANY DAMAGES WHATSOEVER IN EXCESS OF ONE THOUSAND UNITED STATES (US$1,000.00) DOLLARS (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF REVENUES, LOST PROFITS, LOSS OF GOODWILL, LOSS OF USE, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES), ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE (INCLUDING, WITHOUT LIMITATION, USE, INABILITY TO USE, OR THE RESULTS OF USE OF THE WEBSITE), WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY AND EVEN IF ANY THE COMPANY PARTY HAS BEEN ADVISED (OR SHOULD HAVE KNOWN) OF THE POSSIBILITY OF SUCH DAMAGES.

User submissions

Certain areas of the Website may permit you to submit feedback, messages, or other materials (each, a “User Submission”). THE COMPANY may, but is not obligated to, pre-screen User Submissions or monitor any area of the Website through which User Submissions may be submitted. You agree that you are solely responsible for all of your User Submissions. THE COMPANY is not required to host, display, or distribute any User Submissions on or through the Website and may remove at any time or refuse any User Submissions for any reason. THE COMPANY is not responsible for any loss, theft, or damage of any kind to any User Submissions. THE COMPANY does not want to receive any User Submission that is confidential. You understand and agree that any User Submission will be considered non-confidential and non-proprietary and that THE COMPANY will be free to disclose your User Submission to any third party absent any obligation of confidence on the part of the recipient. By submitting any User Submission, you represent and warrant that:

Privacy

We are committed to the protection of privacy of our users, therefore we handle and store user data solely for the purpose of providing and enabling the Services. For more information on our data practices please review our Privacy Policy.

Links to third-party websites

Some links on Website may link to third-party sites. Such links are provided solely as a convenience to you. If you use these links, you will leave the Website. THE COMPANY is not obligated to review such third-party websites, does not control such third-party websites, and is not responsible for any such third-party websites or their content (or the products, services, or content available through the same). Thus, THE COMPANY does not endorse or make any representations about such third-party websites, any information, software, products, services, or materials found there or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to from THE COMPANY Network, you do so entirely at your own risk.

Procedure for making claims of infringement

THE COMPANY respects the intellectual property rights of others. Accordingly, THE COMPANY has a policy of removing User Submissions that violate copyright law, suspending access to the Website (or any portion thereof) to any user who uses the Website in violation of copyright law and/or terminating in appropriate circumstances the account of any user who uses the Website in violation of copyright law. In accordance with applicable law, THE COMPANY has implemented procedures for receiving written notification of claimed copyright infringement and for processing such claims in accordance with such law. If you believe your copyright or other intellectual property right is being infringed by the Website, please provide written notice to the following address for notice of claims of infringement:

Kape Technologies (Cyprus)
Email: [email protected]
Or via our contact page page: https://www.pawlicyguru.com/contact-us/

Your written notice must:

(a) contain your physical or electronic signature;
(b) identify the copyrighted work or other intellectual property alleged to have been infringed;
(c) identify the allegedly infringing material in a sufficiently precise manner to allow THE COMPANY to locate that material;
(d) contain adequate information by which THE COMPANY can contact you (including postal address, telephone number, and e-mail address);
(e) contain a statement that you have a good faith belief that use of the copyrighted material or other intellectual property is not authorized by the owner, the owner’s agent or the law;
(f) contain a statement that the information in the written notice is accurate; and
(g) contain a statement that you are authorized to act on behalf of the copyright or other intellectual property right owner.

Electronic communications

When you visit the Site or send e-mails to THE COMPANY, you are communicating with THE COMPANY electronically. THE COMPANY may respond to you by e-mail or by posting notices on the Site. You agree that all such notices, disclosures, and other communications that THE COMPANY provides to you electronically satisfy any legal requirement that such communications be in writing.

General

These Terms of Use constitute the entire and exclusive and final statement of the agreement between you and THE COMPANY with respect to the subject matter hereof, superseding any prior agreements or negotiations between you and THE COMPANY with respect to such subject matter.

These Terms of Use shall be governed by the laws of England without regard to conflict of laws principles and the parties hereby irrevocably submit to the exclusive jurisdiction  of the Courts of London England.

These Terms of Use, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by THE COMPANY without restriction.