Terms of Service

Acceptance of Terms

By accessing or using the Conexo Insurance website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services. Your continued use of our platform constitutes acceptance of these terms and any future modifications we make to them.

Use of Services

Conexo Insurance provides home insurance coverage solutions and related services through our digital platform. You agree to use our services only for lawful purposes and in accordance with these Terms. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You may not use our services to engage in any fraudulent activity, provide false information, or attempt to gain unauthorized access to our systems. We reserve the right to suspend or terminate accounts that violate these terms or engage in prohibited conduct.

Insurance Coverage

All insurance policies provided through Conexo Insurance are subject to the specific terms, conditions, exclusions, and limitations outlined in your individual policy documents. These Terms of Service do not constitute an insurance policy and do not modify or supersede the terms of any insurance contract you enter into with us.

Coverage availability, pricing, and terms may vary based on your location, property characteristics, coverage selections, and underwriting criteria. Final policy terms will be provided in your policy documents, which you should review carefully before accepting coverage.

Payment and Billing

You agree to pay all premiums and fees associated with your insurance policy according to the payment schedule outlined in your policy documents. Failure to make timely payments may result in policy cancellation or non-renewal as specified in your policy terms.

All payments must be made through approved payment methods. You authorize us to charge your selected payment method for recurring premium payments unless you cancel or modify your payment authorization in accordance with your policy terms.

Claims Process

In the event of a covered loss, you must notify Conexo Insurance promptly and provide all required documentation to support your claim. Claims are subject to investigation and verification, and payment is contingent upon the claim being covered under your policy terms and conditions.

You agree to cooperate fully with our claims investigation process and provide truthful and accurate information. Fraudulent claims or misrepresentation may result in claim denial, policy cancellation, and potential legal action.

Intellectual Property

All content on the Conexo Insurance website, including text, graphics, logos, images, and software, is the property of Conexo Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.

Limitation of Liability

To the fullest extent permitted by law, Conexo Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services or website. Our total liability to you for any claims arising from these Terms or your use of our services shall not exceed the amount of premiums you have paid to us in the twelve months preceding the claim.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of any material changes by posting the updated terms on our website and updating the "Last updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which Conexo Insurance operates, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved through binding arbitration in accordance with applicable arbitration rules.

Contact Information

If you have questions about these Terms of Service, please contact us at [email protected] or call us at +1 (606) 229-7416. Our customer service team is available to assist you with any inquiries or concerns regarding these terms or our services.