Terms and Conditions

1. Agreement to Terms

By accessing and using the Insurance Guide Sweden website, you affirm that:

• You have read and understood these Terms and Conditions
• You agree to be bound by these Terms and Conditions
• You are at least 18 years of age or have legal parental or guardian consent
• You have the legal capacity to enter into a binding agreement
• You are not prohibited from using the Site under the laws of Sweden, your country of residence, or any other applicable jurisdiction

If you are accessing or using the Site on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, in which case "you" or "your" refers to that entity.

2. Definitions

In these Terms, the following definitions apply:

• "Account" means the account created by a User to access and use the Services.
• "Content" means any text, graphics, images, music, software, audio, video, information, or other materials appearing on or through the Services.
• "Order" means a request to purchase Products through the Services.
• "Products" means the fruits, vegetables, and other items offered for sale through the Services.
• "Subscription" means a recurring Order for Products at specified intervals.
• "User" means an individual who accesses or uses the Services.
• "User Content" means any Content that a User posts, uploads, publishes, submits, or transmits to be made available through the Services.

3. Account Registration and Use

3.1 Account Creation

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.

3.2 Age Requirement

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.

3.3 One Account Per User

You may not create more than one Account without our express permission. We reserve the right to terminate any duplicate Accounts.

3.4 Account Termination

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.

4. Intellectual Property

4.1 Our Content

All content, features, and functionality on the Site, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, and software, are the property of Insurance Guide Sweden or our licensors and are protected by Swedish and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal, non-commercial purposes in accordance with these Terms. This license does not include:

• Modifying, copying, or creating derivative works based on the Site or its content
• Using any data mining, robots, or similar data gathering and extraction methods
• Downloading (other than page caching) any portion of the Site, except as expressly permitted on the Site
• Using the Site or its content for any commercial purpose
• Accessing the Site by any means other than through the interface provided by us

4.3 Trademarks

The Insurance Guide Sweden name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Insurance Guide Sweden or our affiliates or licensors. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Site are the trademarks of their respective owners.

5. User Content

5.1 User-Generated Content

Certain parts of the Site may allow users to post, submit, publish, display, or transmit content such as comments, feedback, and other materials ("User Content"). All User Content must comply with the Content Standards set out in these Terms.

5.2 License to User Content

By posting User Content on the Site, you grant us and our affiliates a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content throughout the world in any media.

5.3 Representations and Warranties

You represent and warrant that:

• You own or control all rights in and to the User Content you post or have the right to grant the license granted above
• All of your User Content complies with applicable laws and regulations
• Your User Content does not violate the rights of any third party, including intellectual property rights and privacy rights

5.4 Content Monitoring

We have the right but not the obligation to monitor, edit, or remove any User Content. We also have the right to terminate your access to all or part of the Site for any violation of these Terms, including the Content Standards.

6. Prohibited Uses

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

• In any way that violates any applicable Swedish or international law or regulation
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any "junk mail," "chain letter," "spam," or any other similar solicitation
• To impersonate or attempt to impersonate Insurance Guide Sweden, a company employee, another user, or any other person or entity
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which may harm Insurance Guide Sweden or users of the Site or expose them to liability

Additionally, you agree not to:

• Use the Site in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Site
• Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site
• Use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent
• Use any device, software, or routine that interferes with the proper working of the Site
• Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site
• Attack the Site via a denial-of-service attack or a distributed denial-of-service attack
• Otherwise attempt to interfere with the proper working of the Site

7. Content Standards

These content standards apply to any and all User Content and interactive services. User Content must comply with Swedish and international laws and regulations. User Content must not:

• Contain any material which is defamatory, obscene, offensive, hateful, inflammatory, or promotes sexually explicit material
• Promote violence or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property rights of any other person
• Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws
• Be likely to deceive any person
• Promote any illegal activity
• Be used to impersonate any person, or to misrepresent your identity or affiliation with any person or organization
• Give the impression that they emanate from us, if this is not the case
• Advocate, promote, or assist any unlawful act

8. Third-Party Content and Links

8.1 Third-Party Content

The Site may contain content provided by third parties, including links to third-party websites, articles, and advertisements. All statements and opinions expressed in such third-party content are solely the opinions and the responsibility of the person or entity providing those materials. Such materials do not necessarily reflect the opinion of Insurance Guide Sweden.

8.2 No Endorsement

We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties. The inclusion of any link does not imply endorsement by Insurance Guide Sweden of the linked website. Use of any such linked website is at your own risk.

8.3 Removal of Links

We reserve the right to withdraw linking permission without notice and to disable all URLs linking to or from the Site.

9. Disclaimer of Warranties

The Site and all content, functions, and materials provided through the Site are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Insurance Guide Sweden disclaims all warranties, express or implied, including without limitation, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Insurance Guide Sweden does not warrant that:

• The Site will function uninterrupted, secure, or be available at any particular time or location
• Any errors or defects will be corrected
• The Site is free of viruses or other harmful components
• The results of using the Site will meet your requirements

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Insurance Guide Sweden, its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

In no event shall our total liability to you for all claims arising from or relating to these Terms or your use of the Site exceed one thousand Swedish Kronor (SEK 1,000).

The limitations of liability in this section will apply even if a limited remedy set forth herein is found to have failed of its essential purpose.

11. Indemnification

You agree to defend, indemnify, and hold harmless Insurance Guide Sweden, its directors, officers, employees, and agents, from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including, but not limited to, your User Content, any use of the Site's content, services, and products other than as expressly authorized in these Terms.

12. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of, or related to, them, their subject matter or their formation (in each case, including non-contractual disputes or claims) 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 legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the courts of Sweden. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

13. Changes to the Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. It is your responsibility to check this page periodically for changes. We will try to provide notice of significant changes to the Terms by posting a notice on our homepage.

14. Termination

We may terminate or suspend your access to all or part of the Site, without notice, for any conduct that we, in our sole discretion, believe is in violation of any applicable law or is harmful to the interests of another user, a third-party, a service provider, or us. Any such termination or suspension will be without liability to Insurance Guide Sweden.

Upon termination, all provisions of these Terms which, by their nature, should survive termination, shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Miscellaneous

15.1 Entire Agreement

These Terms, our Privacy Policy, and any other terms and policies referenced herein constitute the sole and entire agreement between you and Insurance Guide Sweden with respect to the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Site.

15.2 Waiver

No failure to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these Terms operates, or may be construed, as a waiver thereof. No single or partial exercise of any right, remedy, power, or privilege hereunder precludes any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.

15.3 Severability

If any term or provision of these Terms is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other term or provision of these Terms or invalidate or render unenforceable such term or provision in any other jurisdiction.

15.4 Assignment

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 of no effect. We may assign or transfer these Terms, at our sole discretion, without restriction.

15.5 Headings

The section titles in these Terms are for convenience only and have no legal or contractual effect.

16. Contact Information

If you have any questions about these Terms, please contact us at: