Terms of Service

These terms explain the rules for using the InShoma Agency website located at InShoma.com (our “Website”) and the services we offer (our “Service”). InShoma Agency helps you find the best insurance options based on what you need and your budget. Please know that InShoma Agency doesn’t directly provide insurance policies or financial services. We also don’t specifically recommend or guarantee any of the insurance companies or their offerings.

By using the Website or the Service, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms or our Privacy Policy, you must not use the Website or the Service.

You promise that you are at least 18 years old and have the legal right to agree to these Terms. If you’re using our Website or Service for a company or organization, you also promise that you have the authority to agree to these Terms for them.

You also agree to follow all the laws and rules that apply when you use our Website or Service. You can’t use our Website or Service for anything illegal, dishonest, harmful, or anything that violates someone else’s rights.

InShoma Agency is a platform that connects you with great insurance companies that fit your needs and budget. You can use our Service to fill out a simple online form with your details and what you’re looking for. Then, you’ll receive personalized quotes from different insurance companies. You can easily compare these quotes and choose the one that works best for you. You can also get in touch with the insurance companies directly through our Service or in other ways.

Remember, InShoma Agency doesn’t sell insurance policies or other financial services directly. We’re just a platform to help you connect with insurance providers. We don’t act as an agent or broker for anyone. We also don’t have control over how accurate, complete, or good the information, quotes, or services from the insurance companies are. We are not responsible for any choices you make or actions you take based on what the insurance companies or their agents provide. It’s up to you to double-check and evaluate the information, quotes, and services they offer. We also suggest talking to a professional advisor before making any big decisions.

You are responsible for how you use our Website and Service and for anything you share, post, upload, or send through our Website or Service (“Your Content”). You agree that you won’t share any of Your Content that:

• Is against the law, dishonest, harmful to someone’s reputation, offensive, contains inappropriate material, is abusive, bullying, threatening, hateful, racist, sexist, or otherwise unacceptable.
• Goes against the rights of others, like their copyrights, privacy, or publicity rights.
• Contains viruses, harmful software, or anything that could damage or disrupt our Website, Service, or any other software or devices.
• Pretends to be someone you’re not or misrepresents who you work for.
• Promotes anything illegal or unauthorized, or any commercial or political messages.
• Breaks these Terms of Use, our Privacy Policy, or any other rules we have.

You also agree that you will not:

• Use our Website or Service for anything other than what we intended and allowed.
• Use our Website or Service in a way that could harm, disable, or slow it down.
• Try to get unauthorized access to any part of our Website, Service, or any data stored there by hacking or other means.
• Interfere with how our Website or Service works or its security by spamming or other disruptive actions.
• Copy, change, share, display, perform, publish, license, create new things from, try to figure out how it works, or use our Website or Service in any way without our written permission.
• Use any automated tools like robots or spiders to access or use our Website or Service without our permission.
• Use any software or techniques to try and mess with the proper working of our Website or Service.
• Use our Website or Service for anything illegal, dishonest, or harmful to us, the insurance companies, or anyone else.

You understand and agree that we have the right (but not the obligation) to watch, review, change, delete, or take any action with any of Your Content or anything else on our Website or Service. We can do this whenever we want and without telling you or being responsible to you or anyone else. We also have the right to share any of Your Content or your information with others if we believe it’s necessary to:

• Follow any law, rule, legal request, or order from the authorities.
• Enforce these Terms of Use, our Privacy Policy, or any other rules we have.
• Protect our rights, property, or safety, or the rights, property, or safety of the insurance companies or others.
• Prevent or investigate any fraud, abuse, violation, or breaking of these Terms or our other rules.
• Help with any legal investigation.

We and our licensors own everything on our Website and Service, including all the trademarks, logos, names, website addresses, service marks, software, code, designs, databases, and other intellectual property (“Our Content”). Nothing in these Terms gives you any ownership of Our Content, except for the limited permission to use our Website and Service as we’ve described here.

You own what you share with us as Your Content, but you give us permission to use it. When you submit Your Content, you give us and our partners the right to use, copy, share, display, perform, change, create new things from, and otherwise use Your Content in any way and for any purpose, including making our Website and Service better and promoting them. You also give us the right to use your name and any other information you provide with Your Content. You promise that you have the right to give us this permission and that Your Content doesn’t violate anyone else’s rights.

You understand and agree that we are not responsible for Your Content or anything else on our Website or Service. We don’t endorse or guarantee any of it. You use our Website and Service and everything on it at your own risk.

If you have any issue or disagreement with us related to these Terms, our Privacy Policy, or our Website or Service, please contact us first and try to work it out with us in a friendly way. If we can’t solve it within 30 days, you agree that any such issue will be settled by a binding arbitration run by the Canadian Arbitration Association (“CAA”) under their rules for commercial disputes and consumer-related issues. One arbitrator will handle the arbitration in English, following the laws of Ontario, Canada (without considering conflict of law rules).

The arbitration will take place in Toronto, Ontario, unless we both agree to something else. The arbitrator’s decision will be final and can be enforced in any court that has jurisdiction. You and we both agree to give up any right to a jury trial or to participate in a class action lawsuit. You and we can only bring claims in our individual capacities. Any claim related to these Terms, our Privacy Policy, or our Website or Service must be filed within one year after it arises, or it will be permanently barred.

If any part of this agreement to arbitrate is found to be invalid, the rest of it will still apply, and the invalid part will be changed as needed to make it valid.

This agreement to arbitrate doesn’t apply to claims where we’re trying to protect our intellectual property rights or stop illegal activity through a court order.

AS MUCH AS THE LAW ALLOWS, WE AND OUR PARTNERS DISCLAIM ALL WARRANTIES RELATED TO OUR WEBSITE, OUR SERVICE, AND YOUR USE OF THEM. THIS INCLUDES WARRANTIES THAT THE WEBSITE OR SERVICE WILL WORK PERFECTLY, BE SUITABLE FOR A SPECIFIC PURPOSE, NOT INFRINGE ON ANYONE’S RIGHTS, BE ACCURATE, OR THAT YOU’LL HAVE CLEAR TITLE. WE DON’T PROMISE THAT OUR WEBSITE OR SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL THINGS.

WE ALSO DON’T GUARANTEE THAT THE INFORMATION, QUOTES, OR SERVICES FROM THE INSURANCE COMPANIES WILL BE ACCURATE, COMPLETE, OR OF GOOD QUALITY. WE CAN’T PROMISE THAT THE RESULTS YOU GET FROM USING OUR WEBSITE OR SERVICE WILL BE WHAT YOU EXPECT OR BENEFICIAL.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR PARTNERS WILL NOT BE RESPONSIBLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, OR PUNITIVE, THAT COME FROM THESE TERMS, OUR PRIVACY POLICY, OUR WEBSITE OR SERVICE, YOUR USE OF THEM, OR ANY INFORMATION OR SERVICES FROM THE INSURANCE COMPANIES, EVEN IF WE KNEW THESE DAMAGES WERE POSSIBLE. OUR TOTAL RESPONSIBILITY TO YOU FOR ANY CLAIMS RELATED TO THESE TERMS, OUR PRIVACY POLICY, OUR WEBSITE OR SERVICE, OR ANYTHING ELSE MENTIONED ABOVE, WILL NOT BE MORE THAN ONE HUNDRED DOLLARS ($100).

SOME PLACES DON’T ALLOW US TO LIMIT OR EXCLUDE CERTAIN WARRANTIES OR DAMAGES, SO SOME OF THESE LIMITATIONS MIGHT NOT APPLY TO YOU. IN THOSE CASES, OUR RESPONSIBILITY WILL BE LIMITED AS MUCH AS THE LAW ALLOWS.

We can stop or limit your access to our Website and Service at any time, for any reason, without telling you beforehand or being responsible to you or anyone else. We might do this if we think you’ve broken these Terms or our Privacy Policy, or if your use of our Website or Service could harm us, the insurance companies, or others.

You can also stop using our Website and Service at any time by simply not using them anymore and deleting any of Your Content or other data you’ve stored with us. It’s your responsibility to back up anything important before you stop using our Website and Service.

If we end your access, the permission you gave us to use Your Content will also end, and we might delete it. However, we can still keep and use your information as described in our Privacy Policy or as required by law.

The parts of these Terms that should still apply even after you stop using our Website and Service will continue to apply, such as the rules about intellectual property, dispute resolution, and our limitations of liability.

We might update these Terms from time to time to reflect changes in our practices, the law, or our Website or Service. We’ll let you know about any important changes by posting the updated Terms on our Website and by email if you’ve signed up for our Service. The date at the top of these Terms shows when they were last updated. If you continue to use our Website or Service after we post updated Terms, it means you accept the changes.

If you have any questions, comments, or requests about these Terms or our Website or Service, please contact us here:

Email ID: contact@inshoma.com