General Terms and Conditions

These provisions are InsurAGI AB's terms of service that governs its relationship with you through your access and/or use of its mobile app and/or website and/or services.

1. Acceptance and Modification of the Terms of Use

1.1

Your access and use of the mobile app and/or website and the services of InsurAGI AB, reg. no. 559430-3397 ("InsurAGI"), which includes InsurAGI's Affiliates (as defined below), is governed by these terms and conditions (the "Terms of Use"). By accessing, browsing and/or using InsurAGI's mobile app and/or website (collectively hereinafter the "Website"), you acknowledge that you have read, understood and accepted, without reserve, these Terms of Use, as modified from time to time by InsurAGI.

1.2

By accessing, browsing and/or using the Website, you also warrant to InsurAGI that you (if you are an individual) is at least 18 (eighteen) years of age and have the right, the authority and the legal capacity to accept and comply with these Terms of Use.

1.3

Permission to use the Website and the InsurAGI's services (the "Services") is understood to be automatically revoked should the Terms of Use and/or applicable laws be violated by you in whole or in part.

1.4

If InsurAGI modifies the Terms of Use, InsurAGI will post the updated version on its mobile app and website. The Company invites you to check the Terms of Use from time to time in order to identify any updates or changes by visiting the Website.

2. Use of the Mobile App and Website

2.1

You may download, display or print the content of InsurAGI's mobile app and/or website solely for your personal, non-commercial use. Any other use, including the reproduction, modification, distribution, transmission, or broadcast of content from InsurAGI's mobile app and/or website, whether in whole or in part and by any means, is strictly prohibited, except with the prior written consent of InsurAGI.

2.2

InsurAGI neither warrants nor represents that your use of the content displayed on its mobile app and/or website will not infringe the rights of third parties.

3. Regulatory Matters

3.1

Any advice given by the Company's artificial intelligence product is not individual advice (Sw. personlig rådgivning) as it does not account for any other aspects of your personal situation and circumstances other than the information necessary for you to provide in order to use the product. As such, the Company does not offer Services that fall within the scope of The Swedish Investment Advice Act (2003:862), nor does the Company offer Services that fall within the scope of The Swedish Insurance Distribution Act (2018:1219). Accordingly, the provisions offering protection for consumers under any of these laws are not available to you. The Company urges you to seek individual legal advice on what other individual rights you may have as a user when using the Services offered by the Company.

4. Fees and Payment

4.1

All of the fees and other costs related to the Company's services (hereinafter collectively referred to as the "Fees") shall be charged on a monthly basis in advance by InsurAGI.

4.2

MER TEXT OM BETALNINGAR. HUR FÅR VI BETALT? HUR MYCKET? NÄR?

4.3

In the event that InsurAGI has not been able to charge you for its outstanding fees, and no new method of payment has been provided after InsurAGI having informed you thereof via email, InsurAGI shall be permitted to charge interest for delay (Sw. dröjsmålsränta). Interest for delay is calculated per annum in accordance with a base rate corresponding to the reference interest rate in accordance with Section 9 of the Swedish Interest Act plus two (2) per cent units.

4.4

InsurAGI has the right to unilaterally increase the various prices of its services. In the event InsurAGI decides to increase its prices, you will be notified thereof via email or in the App (as relevant). You will then have the right to terminate your relationship with InsurAGI.

5. Protection of Other People's Rights

5.1

You agree not to post content or take any action on InsurAGI's mobile app or website that is offensive and/or infringes or violates someone else's rights and/or otherwise violates the law.

5.2

You agree not to post any person's identification documents or sensitive financial and/or personal information on InsurAGI's mobile app and/or website.

5.3

InsurAGI reserves the right to remove any content and/or information you post on its mobile app or website if they are of the view that such content and/or information contravenes Sections 5.1 and 5.2 of these Terms of Use or is otherwise inappropriate for any reason.

6. Personal Data

6.1

Any personal data and/or information that you may send via the internet to InsurAGI's mobile app and/or website is treated, stored and used according to InsurAGI's Integrity Policy (Appendix A). InsurAGI invites you to read its policy carefully before providing the Company with any such personal data and/or information as your provision of such data and/or information to them signifies your agreement to be bound by its Integrity Policy.

6.2

Any other information or material communicated to InsurAGI through the internet, by electronic mail or otherwise, including any data, questions, comments, suggestions, ideas, graphics or the like, are and will be treated as non-confidential and non-proprietary. Anything you transmit or post becomes the property of InsurAGI and may be freely used by them for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Specifically, InsurAGI is free to use any ideas, concepts, know-how, or techniques contained in any such communication you send to its mobile app and/or website for any purpose whatsoever, including but not limited to, developing, manufacturing, advertising and marketing products using such information. Any such use will be made by InsurAGI without compensation to those providing the information, nor anyone else.

6.3

By submitting such information to InsurAGI, you warrant that you own the material/content submitted, that it is not offensive, defamatory and/or against public policy, and that InsurAGI's use of the information will not violate any third party's Intellectual Property Rights. InsurAGI is under no obligation to use the information provided.

7. Specific Insurance Information

7.1

When you choose to use the Company's Services, you may need to provide your login or other authentication details for your account with the relevant companies that have provided your insurance. By doing so, you agree and instruct the Company to retrieve your insurance-related information from those external user accounts (and as otherwise disclosed to the Company by those third parties) in order to provide you with the Service in accordance with these Terms of Use.

7.2

The Company is not responsible for making sure that any information you provide in connection with the Services (including the log-in details to your insurance provider's website) is correct. If you cannot provide correct and complete information, the Company may not be able to provide you with the Service.

7.3

Where you provide us with your insurance account login details in order to facilitate the Company's provision of its Services, you agree that the Company may approve third party terms of use (e.g. from your insurance provider about how that information should be used) on your behalf.

8. Copyright and Intellectual Property

8.1

The content of InsurAGI's mobile app and website which includes, but is not limited to, all Intellectual Property Rights (as defined below) are the property of InsurAGI or its Affiliates (as defined below) or are used with the authorization of its owners, and accordingly are protected by copyright, trademark, patent and all other intellectual property rights which exist under applicable law.

8.2

"Intellectual Property Rights", for the purposes of these Terms of Use, means any and all industrial and intellectual property rights and all rights associated therewith, throughout the world, including all patents and applications therefor and all reissues, divisions, renewals, extensions, provisionals, continuations and continuations-in-part thereof, all inventions (whether patentable or not), invention disclosures, improvements, trade secrets, proprietary information, know how, technology, technical data, proprietary processes and formulae, algorithms, specifications, customer lists and supplier lists, all industrial designs and any registrations and applications therefor, all trade names, logos, trade dress, trademarks and service marks, trademark and service mark registrations, trademark and service mark applications, and any and all goodwill associated with and symbolized by the foregoing items, Internet domain name registrations, Internet and World Wide Web URLs or addresses, all copyrights, copyright registrations and applications therefor, and all other rights corresponding thereto, all mask works, mask work registrations and applications therefor, and any equivalent or similar rights in semiconductor masks, layouts, architectures or topology, all computer software, including all source code, object code, firmware, development tools, files, records and data, all schematics, netlists, test methodologies, test vectors, emulation and simulation tools and reports, hardware development tools, and all rights in prototypes, breadboards and other devices, all databases and data collections and all rights therein, all moral and economic rights of authors and inventors, however denominated, and any similar or equivalent rights to any of the foregoing, and all tangible embodiments of the foregoing.

8.3

Except as provided in Section 2 of these Terms of Use, nothing contained in InsurAGI's mobile app and/or website shall be interpreted or construed as granting you a license or a right to use any such content for your own personal and/or commercial purposes. You own all of the content and information you post on InsurAGI's mobile app and/or website. In addition, for content that is covered by intellectual property rights, you specifically grant InsurAGI a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any such content that you post on or in connection with InsurAGI's mobile app and/or website. This license ends when you delete said content or terminate your use of InsurAGI's services.

8.4

When you publish content and/or information, it means that you are allowing everyone, including people who are not using InsurAGI's mobile app and/or website, to access and use that information and to associate it with you.

8.5

When you delete your content, such content may persist in backup copies for a reasonable period of time but will not be available to others.

9. Disclaimer of Warranties

9.1

Neither InsurAGI, nor any of its Affiliates ("Affiliate" of any person shall for the purposes of these Terms of Use mean, as of any time, (i) any other person directly or indirectly controlled by or under the common control of that first-mentioned person and (ii) any other person(s) directly or indirectly controlling or jointly controlling such first-mentioned person (whereby "control" means the possession, directly or indirectly, of the power to direct or influence the direction of the management or policies of a person, whether through ownership or otherwise, and the term "controlling" shall have a meaning correlative to the foregoing)) makes any representation or warranty about the suitability, reliability, availability, timeliness, security and/or accuracy of the Company's services or any ancillary services thereto. To the maximum extent permitted by applicable law, the services performed by InsurAGI and all related information, software and products are provided without representations, warranties or conditions of any kind, including with respect to merchantability, fitness for a particular purpose, title and non-infringement.

9.2

All material, information and content that you find on the mobile app and/or website is furnished to you "as is" and without guarantee of any sort, express or implied, including among others, the implied warranty of merchantability, or fitness for any particular purpose.

9.3

The Service is provided as-is and as-available and InsurAGI does not guarantee that your use of its mobile app and/or website or its content will correspond to your expectations, be timely, secure and/or free of error and/or interruptions. The Company cannot be held responsible for the Services or Website being down or if any information or functionality is unavailable or does not work as expected.

9.4

Any advice or information, be it oral or written, obtained from InsurAGI or during the use of services made available on the mobile app and/or website, shall not give rise to any guarantees which are not expressly provided for in the Terms of Use.

9.5

You, access, use, browse and navigate InsurAGI's mobile app and/or website at your own risk and peril. This includes, but is not limited to, situations where third parties gain access to the Website, changing its content and adding damaging materials such as viruses, trojan horses, worms, time bombs, cancelbots, corrupted files or any other type of destructive software that might damage the IT equipment or property of others. InsurAGI will always strive to avoid such situations but should such situations nevertheless arise, InsurAGI declines any and all responsibility for any Loss resulting thereof.

9.6

Neither InsurAGI, nor any of its Affiliates, nor any other party involved in creating, producing or delivering InsurAGI's mobile app and/or website or any of its content, may be held liable for any direct, indirect or consequential damages arising from your or any other party's use and/or inability to use of the app and/or website and/or the information contained therein.

9.7

All materials which are downloaded or obtained by any other manner during the use of InsurAGI's mobile app and/or website are at your own risk and peril. InsurAGI assumes no liability for any damage, virus and/or malware which could affect your computer equipment or other property by reason of your access to, use of or downloading of any material from its mobile app and/or website or for any illegal intrusion or intervention in its IT systems.

9.8

InsurAGI reserves the right to interrupt or discontinue any or all of the functionality of its mobile app and/or website. InsurAGI accepts no responsibility or liability whatsoever for any interruption or discontinuance of any or all functionality of its mobile app and/or website resulting from actions or omissions of InsurAGI or any third party.

10. Unauthorized Use

10.1

You agree not to use the Website or the Services for any illegal, obscene, abusive, offensive, improper or debatable purposes, to sell goods or services or offer them for sale, to carry out or forward surveys, competitions or chain letters, or for any purpose forbidden by the Terms of Use and/or applicable laws.

10.2

You agree not to publish or store on the Website any software, information, data, database, music, audio/video/audio-visual files, photographs, images, documents, text, digital files or other materials that violate intellectual property rights (including copyrights, trademarks, commercial secrets, patents, advertising rights or, to the extent protectable, confidential ideas). Any illegal or unauthorized use of the Website, including but not limited to, framing the Website or linking to unauthorized websites or using unauthorized robots, spiders or other automated devices on the Website, will be investigated and subjected to all appropriate legal action, including action in the civil courts.

10.3

You agree not to use the Website and the Services for the following: illegal or unlawful purposes against public order or morals or to infringe on the rights of others; not to transmit materials and/or messages that encourage third parties to engage in unlawful and/or criminal conduct subject to administrative, civil or criminal penalties; and not to take action that results in an unreasonable burden or excessive IT load on the systems of the Website.

10.4

It is forbidden to use any automated or manual practice, device, process, software, program, algorithm, methodology or routine, including, without limitation, robots, spiders or other similar processes or functions, in order to interfere or attempt to interfere with the Website or the Services.

10.5

You must not use the Website or the Services for the purpose of or in order to cause losses for InsurAGI or third parties and, therefore, must refrain from carrying on competing activities or any activities that damage or prejudice the economic and other interests or reputation of InsurAGI, other users or third parties.

10.6

Should InsurAGI receive reports of possible complaints or violations by Users or suspect that use of the Services violates the Terms of Use and, in particular, the intellectual property rights of InsurAGI or third parties or other applicable laws, InsurAGI may, at its sole discretion and without notice, suspend or terminate access to the Website and the Services.

11. User Indemnity

The User agrees to compensate, defend and hold free InsurAGI, its agents, collaborators, directors and employees from and against all claims, actions, demands, liabilities, costs and expenses including, by mere and incomplete way of example, reasonable legal costs deriving from the violation of any clauses contained in these Terms of Use or from any guarantees given in this document or otherwise deriving from any use of the Website and/or the Services.

12. Limitation of Liability

12.1

In the event of a breach of these Terms of Use by InsurAGI, your right to compensation is limited to compensation for direct losses ("Loss") on a SEK for SEK basis due to such breach in accordance with this Section 12.

12.2

The Company will not be responsible for any Loss caused by third parties, even if such third party has been engaged by the Company. Any claims for compensation in relation to such Losses shall be directed directly against such third party.

12.3

Any payment made by InsurAGI pursuant to this Section 12 shall be deemed as a reduction of the price you pay for InsurAGI's services.

Remedies

12.4

Your sole remedy for a breach of these Terms of Use by InsurAGI is compensation in accordance with this section. Such remedy shall be exclusive and, consequently, no other remedy, including the right to rescind these Terms of Use, shall be available to you in the event of a breach of these Terms of Use by InsurAGI, whether under the United Nations Convention on Contracts for the International Sale of Goods, any other applicable law or otherwise.

12.5

Instead of compensating you in accordance with the above provisions in this Section, InsurAGI shall have the right to remedy the subject of a claim for compensation, provided that InsurAGI (i) within twenty (20) business days (meaning days when commercial banks are open for general banking business (other than Internet banking) in Sweden) ("Business Days") after receipt of a notice in accordance with Section 12.12 below gives you notice that it will exercise its right to remedy such subject matter of the claim, and (ii) to the extent such subject matter of the claim has not been remedied within sixty (60) Business Days from such notice, shall compensate you in accordance with Section 11 above for any remaining Loss.

Limitations

12.6

You shall not be entitled to compensation for a Loss unless: (i) the amount of the individual Loss which is recoverable under these Terms of Use exceeds SEK 5,000; and (ii) the aggregate amount of such recoverable Losses equals or exceeds SEK 15,000; in which case the entire amount shall be recoverable.

12.7

The total liability of InsurAGI under these Terms of Use shall in no circumstance exceed SEK 50,000.

12.8

A contingent liability shall not constitute a Loss unless and until such contingent liability becomes an actual liability and is due and payable. For the avoidance of doubt, you shall in respect of a contingent liability not be entitled to make a claim within the time periods set forth in Section 12.12 below unless the liability becomes actual and is due and payable.

12.9

InsurAGI shall not be liable to compensate you for any Losses:

• that are due to loss of synergies, loss of other similar profits, revenues or advantages that you or your Affiliates had expected to make or obtain, or losses relating to liabilities or costs incurred or profits or revenues lost, under any existing agreements or under agreements that you expect to, or will, enter into with third parties (including without limitations any losses multiplied by any factor reflecting any potential purchase price impact);
• that have been recovered, or are recoverable, by you from any third party, or for which you or your Affiliates otherwise receives compensation, including any amount that may be recovered under a policy of insurance held by you or your Affiliates;
• to the extent that the fact, matter, occurrence or event giving rise thereto: (i) has been disclosed in these Terms of Use (including the Appendices, if any); was available in the public domain or was a matter of public record prior to your acceptance of these Terms of Use ("Acceptance Date") pursuant to Section 1.1; or was otherwise known or ought reasonably to have been known by you or your Affiliates prior to or on the Acceptance Date;
• that occur as a result of any Applicable Law not in force on the Acceptance Date (or any alteration or repeal of any Applicable Law in force on the Acceptance Date), or that takes effect retroactively, or occurs as a result of any increase in the tax rate in force on the Acceptance Date or any change in the practices of the relevant governmental authority or courts (including but not limited to changes in the interpretation of relevant legislation); or
• that would not have arisen but for any act, omission or transaction carried out by, at the request or with the consent of, you or your Affiliates before or after the Acceptance Date.

12.10

If any Loss that is compensable under these Terms of Use is a tax-deductible item for you or any of your Affiliates, the compensation payable by InsurAGI hereunder shall be reduced by the tax rate applicable in the relevant jurisdiction at the time of the Loss.

12.11

You shall take all action to mitigate any compensable Loss in respect of which a claim could be made under these Terms of Use, including but not limited to taking measures to enforce any recovery that can be obtained from a third party before taking action against InsurAGI.

Notice of claim and limitation in time

12.12

You shall not be entitled to make a claim under these Terms of Use unless: you have given written notice to InsurAGI of such claim (by sending an email to [email address]), describing in reasonable detail the nature of such claim and, as far as practicable, the calculation of the Loss claimed, within twenty (20) Business Days after you or your relevant Affiliate discovered the facts and circumstances giving rise to such claim.

Subsequent recovery

12.13

If and to the extent you have been compensated for a Loss by InsurAGI, and you or the relevant Affiliate subsequently is able to recover such Loss (attributable to the same subject matter) from a third party, you shall repay such amount to InsurAGI, or such other person that InsurAGI designates, without undue delay up to the amount for which you have been compensated by InsurAGI.

12.14

If and to the extent you have been compensated for a Loss by InsurAGI, you shall assign, or procure that the relevant Group Company assigns, at the request of InsurAGI and to the extent permissible under Applicable Law, its rights against any Person in respect of such Loss to InsurAGI or such other Person that InsurAGI designates.

Third party claims

12.15

Upon you or an Affiliate becoming aware of any third-party claim, action or demand or matter which may give rise to any Loss for which InsurAGI may be liable, you shall, and shall procure that the Group Companies shall, in order to preserve your possible right to compensation from InsurAGI for such Loss:

• give written notice to InsurAGI in accordance with Section 12.12 above;
• not make any admission of liability, agreement, settlement or compromise with any third party in relation to any such claim or adjudication, without obtaining the prior written consent of InsurAGI, which consent shall not be unreasonably withheld or delayed;
• not take any action which may have any adverse effect on any insurance policy under which any such third-party claim would be recoverable if such action had not been taken;
• take any action that InsurAGI reasonably requests to avoid, dispute, resist, appeal, compromise or defend such claim;
• give InsurAGI and its advisors reasonable access to the personnel of you or your Affiliates (as applicable), and to any relevant properties, premises, accounts, documents and records, and allow InsurAGI and its advisors to take copies thereof in order to enable InsurAGI and its advisors to examine the grounds for such claim, to defend against such claim and to conduct any litigation resulting therefrom; and
• at InsurAGI's request and at InsurAGI's cost and expense, allow InsurAGI (at InsurAGI's option) to:
  • handle any negotiation, dispute or litigation relating thereto with any third party and grant InsurAGI and its advisors all authorisations and all assistance as InsurAGI and its advisors may reasonably require to enable InsurAGI and its advisors to defend against the claim and to properly conduct any litigation resulting therefrom; or
  • participate in and give advice to any negotiation, dispute or litigation relating thereto with any third party; and
  • at InsurAGI's discretion, agree to any settlement, compromise or discharge of such claim.

12.16

If you conduct the negotiation, dispute or litigation in respect of any third party claim pursuant to Section 12.15 above, you shall ensure that InsurAGI is informed without undue delay of the developments of the matter, and shall be provided with copies of any correspondence or documentation material to the negotiation, dispute or litigation.

13. Change of Information

13.1

InsurAGI reserves the right to make changes, corrections and/or improvements to the content on its mobile app and/or website at any time without prior notice to you.

14. Links

14.1

As a service to InsurAGI's visitors, its mobile app and/or website may contain hypertext links leading to any other website that are not operated or controlled by InsurAGI. InsurAGI shall not be responsible for these sites and does not assume responsibility and/or liability in relation to their functions, content, legality, accuracy or functions.

15. Loss of Password

15.1

InsurAGI does not keep your password in a recoverable form. As such should you ever lose or forget your password, you may request for InsurAGI to issue you with a new password for you to access your account.

15.2

You may make such a request through the Password Reset Facility available on InsurAGI's mobile app and website. Upon your request for a new password from InsurAGI, InsurAGI will send a randomly generated password to your designated email address and you will no longer be able to access your account with your old password.

15.3

After being issued your new password, you are advised to log in with your new password and change your new password through the Password Change Facility available on InsurAGI's mobile app and website.

16. Sanctions Lists

16.1

You warrant and represent that you are not, nor owned by or under common control by any person or entity that is: (i) on the Specially Designated Nationals and Blocked Persons list (the "SDN List") or is listed in any other anti-money laundering provision administered by the Office of Foreign Assets Control, or (ii) prohibited from entering into these Terms of Use through the Executive Order 13224, the USA Patriot Act or the Trading with the Enemy Act or any other similar act.

17. Miscellaneous

17.1

These Terms of Use embodies the entire agreement between InsurAGI and you concerning the access and use of its mobile app and/or website and their content. Any other terms or conditions issued by InsurAGI and governing its relations with you, in particular relating to any service or purchase of product, shall supplement these Terms of Use.

17.2

Use of the services subject to these Terms of Use is not authorized in jurisdictions that do not recognize the validity of all the clauses specified in these Terms of Use including, but without limitation to, this paragraph.

17.3

You acknowledge and expressly agree that (i) performance of InsurAGI's services and/or access to the digital content provided by InsurAGI may begin before the end of the 14-day withdrawal period pursuant to the Swedish Distance and Off-Premises Contracts Act (Sw. Distansavtalslagen (lag 2005:59) om distansavtal och avtal utanför affärslokaler); and (ii) you will lose your right of withdrawal once performance has begun.

17.4

Should your access to the Services be terminated, you will remain bound by the obligations deriving from these Terms of Use and any additional conditions, including the guarantees given by you, and by the various exclusions and limitations of liability. In addition, InsurAGI is not liable to you or any third parties for any termination of your access. Users may however withdraw from the Terms of Use at any time by canceling their registration for the service without prejudice to the provisions specified in the previous sentence.

17.5

The fact that InsurAGI tolerates a violation by you of one of the obligations set out in the Terms of Use, or does not enforce a right attributed to it thereunder or under the law shall not be construed as a waiver of its rights.

17.6

The Company may assign or otherwise transfer or pledge or grant any other security interest in or over any of its rights under these Terms of Use, without your prior written consent.

17.7

In the event that any provision or the Terms of Use or part thereof is considered to be illegal by law or regulation, existing or future, or by a court ruling, then such provision shall be considered as stricken, all other provisions of the Terms of Use maintaining full force and effect between yourself and InsurAGI.

17.8

Unless expressly provided to the contrary in these Terms of Use, a person who is not party to these Terms of Use has no right to enforce or to enjoy the benefit of any term of these Terms of Use. InsurAGI does however have the right to engage subcontractors to perform some or all of the execution and management of all or part of its operations under these Terms of Use.

17.9

No joint venture, partnership, employment or agency relationship is established between you and InsurAGI as a consequence of these Terms of Use or use of the services or the Website.

17.10

In the event of any conflict between these Terms of Use and any other terms and conditions and/or agreements now existing or hereafter entered into between InsurAGI and you, these Terms of Use shall prevail.

17.11

The headings of the Terms of Use are for convenience alone and shall not alter or modify the terms and conditions in any manner.

17.12

You agree that Swedish Courts have exclusive jurisdiction to settle any dispute arising out of or in connection with your use of InsurAGI's mobile app and/or website.