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Terms of Use

1.Introduction

Welcome to the Terms of Use (Terms and Conditions) for Zyber Insurance Online quoting platform (https://zyber.insure) and Zyber Insurance websites (https://www.zyberinsurance.com), Any of them referred interchangeably as "Zyber Online Platforms," "Platform" or "Website(s)". By accessing or using our Website, you agree to comply with and be bound by the following Terms of Use. Please read these Terms of Use carefully before using our services. "Customer," "Insured," and "You" refer to you, the person or Company accessing Zyber Online Platforms, while "The Company," "Ourselves," "We," "Us," and "Zyber" refer to Zyber Insurance, LLC. 

 

2.Acceptance of Terms

By using the  Zyber Online  platforms, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you must not use our  Zyber Online platforms.

 

3.Changes to Terms

We reserve the right to modify these Terms of Use without prior notice. Your continued use of the Zyber Online platforms following any changes constitutes your acceptance of the new terms. It is your responsibility to review these Terms of Use periodically.

 

4.Use of the Zyber Online Platforms
 
4.1 Eligibility

You must be at least 18 years old to use this Website. By using the  Zyber Online platforms you represent, you warrant that you are at least 18 years old and have the legal capacity to enter into these Terms of Use.

 

4.2 License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the  Zyber Online platforms to obtain quotes for your own Company and to learn more about Insurance Products and Services provided by Zyber. You agree not to use the Website for any other purpose without our express written consent. If you are a broker, you should not use the platform to obtain quotes for your customers without our prior written consent. 

4.3 Prohibited Conduct

 

You agree not to:

 

  • Use the  Zyber Online platforms for any unlawful purpose.

  • Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.

  • Interfere with or disrupt the operation of the Website.

  • Engage in any activity that could harm the Website or its users.

  • Attempting to probe, scan, or test the vulnerability of any Next system or network or breach any security or authentication measures without written authorization.

  • You may not create a link to this site with a purpose other than to recommend us in good faith for business collaboration or to make a reference for press publication. 

 

4.4 Access and Security 

 

While Zyber Insurance may use reasonable precautions to protect confidential information and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure or that such transmissions will be free from delay, interruption, interception, or error. To protect your privacy, confidential and personal information should only be communicated via e-mail when advised that you are using a secure mechanism. It's your responsibility to inspect e-mails referring to Zyber Insurance to ensure it's coming from @zyberinsurance.com before clicking on any link and replying with confidential information to avoid bad actors potentially obtaining your information for malicious use.    

 

We cannot guarantee or warrant that any part of the Zyber Online platforms, including files available for download, is free of viruses or other harmful code. You are responsible for taking appropriate precautions, such as using an anti-virus software package, to protect your computer hardware and software. 

 

Zyber Online platforms are not designed to redirect you to other online quoting platforms or other platforms asking for your information. We never ask for your Social Security and your Credit Card information. We take all the precautions protecting our platform and or working with third-party technology providers to avoid a cyber attack. In case you observe suspicious activity, such as getting redirected to any website as a result of a Cross-Site Script Cyber Attack (XSS), you should not provide your information and should report immediately to legal@zyberinsurance.com

 

Zyber Insurance's official domains are : 

http://www.zyberinsurance.com

http://zyber.insure

 

Always double-check if you get on a Website with a similar name trying to impersonate our site and or receiving e-mails from similar domains

 

We may link our Website to other websites, such as those of the Insurance Companies we are appointed to, technology partners, and articles published in the press. We do not monitor or review the content of other parties' websites or necessarily endorse opinions. We are not responsible for security measures on third-party websites. 

 

Suppose you access Zyber online platforms from outside the United States. In that case, you represent and warrant that you are not subject to any US trade sanction and are responsible for compliance with foreign and local laws. 

 

4.5 Online Accounts

 

Passwords may protect certain portions of the Platforms or require a password to access your account information and quotes. You agree to provide Zyber Insurance LLC with current, complete, and accurate information about you as prompted by the applicable registration process. You also agree to update this information regularly to maintain its completeness and accuracy. You agree to use the Platforms to access only those Accounts on which you are authorized to act, and you agree to use your user names and passwords when accessing Accounts on which you are authorized to act. You agree not to obtain or attempt to obtain unauthorized access to the Platforms through any means not intentionally made available to you by Zyber Insurance.

 

You are responsible for maintaining the confidentiality of any Account information, user names, logins, and passwords you have used to access any page or feature on the Platforms and for logging off of your Account and any protected areas of the Platforms. Further, you are fully responsible for all activities (including any transactions entered into) under your Account (s), user names, and passwords, from your negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. Suppose your account number(s) or other security details are lost or stolen, or you become aware of any suspicious or unauthorized conduct concerning your Account (s). In that case, you agree to contact Zyber Insurance LLC immediately via e-mail at legal@zyberinsurance.com or +1-305-602-4043. Zyber Insurance will not be liable for any loss or damage arising from your failure to comply with this paragraph.

 

Products and services provided to you through the Platforms may involve the electronic transmission, including via any e-mail address you provide to us, of information that you may consider to be personal financial information or promotional and marketing materials, and you consent to such transmission.

 

We reserve the right to discontinue electronic access to your Account anytime. We further reserve the right to modify the information on the Platforms or the availability of any transactions at any time. We may immediately and without notice terminate your ability to access your Account information if you violate the conditions of use stated herein or if you endanger the use of the services provided through the Platforms.

4.6 Chatbots and AI-enabled chats

 

For your convenience, Zyber Insurance provides a chatbot powered by AI (Artificial Intelligence) technology. Although we take all the precautions to prevent third-party systems from" learning" from your inputs, you should never include financial and confidential information in the chat discussion. 

 

Answers provided by the Chatbot are informational only to assist you in answering the questions for the application to obtain an insurance quote and clarify technical cybersecurity-related questions. All the answers provided do not constitute professional advice, and a licensed agent will monitor insurance-related conversations to ensure they are accurate and validated by a licensed insurance agent. If you have any Insurance coverage questions, you should rely exclusively on the conversations established with a human Licensed Insurance Agent. 

 

4.7 Monitoring of Service

 

We reserve the right, but have no obligation to, monitor our Services for your or third-party violations of the Terms of Service, take appropriate legal action against anyone who violates the Terms of Service, refuse or restrict access to the Zyber Online platforms.

 

Zyber Insurance reserves the right to record and retain phone calls, chat conversations, and website visit footprints, including your IP address, to improve the usability of the website, meet compliance requirements  and to eventually conduct forensics. If you use the Chat's AI capabilities for activities other than interacting with the platform to obtain an insurance quote or clarify your doubts, your digital footprint may be recorded, and your access may be blocked.

 

4.8 No Legal Advice

 

Various insurance companies provide insurance coverage, as quoted by Zyber Insurance. You are subject to the terms and conditions of your specific policy. You must not rely on the information of this Website as an alternative to legal advice, and any information you access on Zyber Online platforms may not constitute a complete description of any product or service. 

 

5.Insurance Quotes
5.1 Accuracy of Information

 

The insurance quotes provided on  Zyber Online platforms are based on your information. You are responsible for ensuring that all information you provide is accurate and complete. Inaccurate or incomplete information may result in incorrect quotes or denial of coverage.

 

Quotes provided electronic will always be reviewed by a Licensed Agent before being bound and you may be required to sign the application electronically to have your policy bound. Inaccurate information in the application may result in the denial of coverage after the policy is in force. You should only answer a question after completely understanding it, especially regarding cybersecurity measures. Always submit your questions via chat or e-mail to quote@zyberinsurance.com if you have doubts. 

 

5.2 No Guarantee

We strive to provide accurate and competitive insurance quotes. However, we do not guarantee that the quotes provided will be the lowest available or that you qualify for the insurance coverage. Depending on your risk, insurers may not be able to offer an instant online quote, but we will do our best to obtain a quote and send it to you via e-mail or upload it to the platform. Some Insurance products may still need to be available via online quoting, but you can request such insurance products, and We will obtain a quote offline for you. A Quote does not constitute insurance coverage, you insurance only covers you after being bound. Requesting to Bind it's just the first step in the process, and the policy is only in force after being properly bound at the Insurer.

 

Suppose you have an existing policy in force with any insurance company with your former insurance agent. In that case, you may be required to sign and submit a Broker of Record (BOR) document naming Zyber Insurance as your preferred exclusive insurance agency for such insurance company to provide you with an insurance quote via Zyber. Previous quotes requested by other Agencies may also create the requirement for a "BOR." Whenever a BOR is in place for other agencies, our platform may not be able to generate a quote for you automatically, and we will contact you to discuss next steps to obtain a quote for you. 

 

5.3 Electronic Consent to run a risk assessment and obtain a quote for you. 

 

By "clicking" on "Get instant Quote" or "Start a New Quote" you agree and authorize Zyber Insurance LLC as an Independent Insurance Agency to submit your application to Insurers to obtain a quote for you. You also authorize Zyber Insurance LLC and the Insurers providing a quote to run risk analysis of your Company, including "outside-in" scans (Automatic Cyber Security Penetration tests) that intent to evaluate the cyber security vulnerabilities of your Website provided in the application process.

 

5.4 Electronic Consent to bind a policy in your behalf

 

By "Clicking" on "Bind this quote" or "Request to Bind", you authorize Zyber to request Insurers to Bind the policy. You will receive electronically the terms and conditions of the policies being quoted, and you are responsible for reviewing them before signing them. Some Insurers require a "Minimum Earned Premium" and this amount and specific fees may not be refundable after the request to bind a insurance policy, and if not yet paid you may need to pay this non-refundable portion of the policy if cancelled after being bound. 

 

5.5 Consent for electronic communication 

 

By Signing up or obtaining a quote in the Zyber Online platform, as well as subscribing to receive more information about Zyber Insurance, you authorize Zyber to reach you by e-mail, SMS/MMS, Social Media, and Telephone for advertisement and customer service purposes. You may opt-out at any time by sending an e-mail with the subject OPT-OUT to concierge@zyberinsurance.com

 

5.6 Third-Party Providers

The   Zyber Online platforms provide insurance quotes from third-party insurance providers. Zyber Insurance LLC is an independent agency and specialty broker. Quotes obtained via electronic communication (API) or offline with insurers or MGAs are subject to their terms and conditions respectively.  The operators of other websites that provide Insurance quotes electronically to Zyber Platform may collect information about you, and we have no control over the privacy or security practices of those third parties. We recommend that you review the privacy, security, and terms of use policies and notices of any insurance carrier listed on our Website in the "our Partners" session

 

 

6.Privacy

Your use of the Zyber Online platforms is also governed by our Privacy Policy, which is incorporated by reference into these Terms of Use. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

 

7.Intellectual Property

 

All content, features, and functionality on the Zyber Online platforms , including text, graphics, logos, icons, images, and software, are the exclusive property of the Company or its licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws. You may not use, reproduce, modify, or distribute any content from the Website without our express written consent.

 

Zyber Insurance is a trademark registered and owned by Zyber Insurance LLC in the United States under registration No 6,978,512. The use of "Zyber Insurance" by other companies in the United States should be reported to legal@zyberinsurance.com

 

8.Disclaimers and Limitation of Liability
8.1 Disclaimer of Warranties

The Zyber Insurance Online quoting platform is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the Zyber Online platforms' operation or the information, content, materials, or products included on the Zyber Online platforms

 

8.2 Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the Zyber Online platforms.

 

8.3 License to Conduct Business

 

Zyber Insurance LLC is headquartered in Florida as an independent agency, currently licensed in other states in the US for property and casualty, as well as for admitted and surplus lines. Zyber Insurance Online quoting platform (http://zyber.insure)  was designed to only provide quotes for insureds providing an address from states in which Zyber Insurance LLC is licensed. The Zyber Insurance Online quoting platform (http://zyber.insure) or Zyber Insurance website (http://www.zyberinsurance.com ) are not intended as a solicitation for insurance in any state where Zyber Insurance is not licensed; in case of an accidental failure in the system, creating a quote in which Zyber Insurance is not licensed and therefore not authorized to transact insurance, you will be promptly communicated, and the quote canceled. 

 

In Some States, an insurance agency may not be named a Foreign LLC only as "insurance" or licensed as such to avoid the confusion with Insurance companies, for those states Zyber Insurance LLC is either incorporated or licensed as Zyber Insurance Services LLC. See more in the session of "About us" in our Website.

 

8.4 Admitted and Surplus Lines quotes 

 

For your convenience, Zyber Insurance may provide Admitted and Surplus lines quotes. Surplus line quotes will only be released however after a diligent effort is conducted to make sure there isn't an admitted option available. You will be informed in case your risk profile make you ineligible for admitted insurance options and Zyber Insurance will provide the necessary disclaimers to make you aware of the differences, according to the Department of Financial Services statute of your state.

Some states require that you acknowledge such insurance policies as being surplus lines in writing. Such forms or documents requiring signature will be delivered to you or your organization, and must be signed by an authorized representative and returned to Zyber Insurance promptly

 

9 Indemnification

You agree to indemnify, defend, and hold harmless the Zyber Insurance LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or in connection with your use of the Zyber Online platforms or your violation of these Terms of Use.

 

10 Governing Law

These Terms of Use and your use of the Zyber Online platforms shall be governed by and construed in accordance with the laws of the United States and the State of Florida, without regard to its conflict of law principles.

 

11 Dispute Resolution

 

For any dispute with Zyber Insurance LLC, you agree to first contact us at legal@zyberinsurance.com and attempt to resolve the dispute informally. In case we are unable to resolve this in 60 days, we agree that any dispute arising of these terms of use and the Zyber Online platforms should be submitted to JAMS.

 

Any disputes arising out of or relating to these Terms of Use or the Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Miami, Florida. The parties agree that they participate in the mediation in good faith and that they will share equally in its costs. The arbitration shall be administered by JAMS pursuant to either its Comprehensive Arbitration Rules or Streamlined Arbitration Rules and Procedures, depending upon the amount of the damages claimed, excluding attorneys' fees. Judgment on the award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. 

 

You agree, to the extent permitted by the law, that any and all disputes will be resolved individually, without resort to any form of class action. This waiver applies to class arbitration, and unless Zyber agrees otherwise, the arbitration should not consolidate more than one person's claims. 

 

12 Contact Information

Official communication and any questions about these Terms of Use, should be sent to:

 

Zyber Insurance LLC

1000 Brickell Ave, STE 715 PMB 1964 - Miami - FL - 33131

+1-305-602-4043

legal@zyberinsurance.com

 

Last Review : May 27, 2024

 

By using the Zyber Online platforms, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

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