Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of Namaste Insurance's website, services, and applications (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

If you do not agree to these Terms, you may not access or use the Service.

3. Eligibility

You must meet the following requirements to use our Service:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract
• Reside in a state where we operate (currently MA, NH, RI)
• Provide accurate and truthful information
• Not be prohibited from using the Service by law

4. How Our Service Works

Quote Comparison

When you request insurance quotes, we display offers from multiple licensed carriers. These quotes are:

• Based on information you provide
• Subject to carrier approval and verification
• Not guaranteed or binding until issued by the carrier
• May change based on underwriting review

AI Policy Scanner

Our AI-powered policy scanner uses GPT-4 Vision to analyze insurance documents. You understand that:

• AI analysis is for informational purposes only
• Accuracy is not guaranteed (typically 95%+ but not perfect)
• You should verify all information with your carrier
• This is not a substitute for professional insurance advice
• Uploaded documents are subject to our Privacy Policy

Referrals

When you select a quote and contact a carrier, we may receive a referral commission. You acknowledge that:

• Commission rates vary by carrier and are disclosed per quote
• Commissions do not increase your premium
• Our recommendations are based on coverage and price, not commission
• You're free to purchase insurance directly from any carrier

5. Your Responsibilities

Accurate Information

You agree to:

• Provide complete and accurate information
• Update information promptly if it changes
• Not misrepresent your insurance needs or history
• Not provide false documents or information

Providing false information to obtain insurance quotes may constitute fraud and could void any resulting policy.

Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose
• Attempt to access unauthorized areas of the Service
• Interfere with or disrupt the Service
• Use automated tools (bots, scrapers) without permission
• Copy, modify, or distribute our content without authorization
• Impersonate another person or entity
• Upload malicious code or viruses

Account Security

If you create an account:

• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• You're responsible for all activity under your account
• Do not share your account with others

6. Intellectual Property

Our Content

All content on the Service—including text, graphics, logos, software, and design—is owned by Namaste Insurance or our licensors and protected by copyright, trademark, and other intellectual property laws.

Your Content

When you upload policy documents or submit information, you grant us a limited license to:

• Process and analyze your documents using AI
• Store your information to provide the Service
• Share your information with carriers (with your consent)

You retain ownership of your content. We will not use your documents for any purpose other than providing the Service.

7. Commission Disclosure

FTC Disclosure: Namaste Insurance earns referral commissions when you purchase insurance through our platform. Commission rates vary by carrier and typically range from 5-15% of your annual premium. We disclose the specific commission amount for each quote. These commissions help us provide free comparison tools and do not increase your premium. Our recommendations are based on coverage quality and price competitiveness, not commission amounts.

8. Disclaimers and Limitations

No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Accuracy, reliability, or completeness of information
• Availability or uninterrupted access to the Service
• Freedom from errors, bugs, or viruses
• Fitness for a particular purpose
• Non-infringement of third-party rights

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NAMASTE INSURANCE SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Lost profits, data, or business opportunities
• Damages resulting from carrier decisions or policy denials
• Errors or omissions in quotes or AI analysis
• Unauthorized access to your account or information

Our total liability to you for any claim shall not exceed the greater of (a) $100 or (b) the commissions we received from carriers based on your purchases in the past 12 months.

Insurance-Specific Disclaimers

• We do not guarantee policy approval or specific premium rates
• Quotes are estimates subject to carrier underwriting
• Coverage terms are determined by carriers, not by us
• We are not responsible for claim denials or coverage disputes
• You should read your policy documents carefully before purchasing

9. Indemnification

You agree to indemnify and hold harmless Namaste Insurance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• False or misleading information you provide

10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Reasons for termination may include:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of the Service
• Extended inactivity

Upon termination, your right to use the Service immediately ceases. We may delete your account and data, subject to our Privacy Policy and legal obligations.

11. Dispute Resolution

Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles.

Arbitration

Any dispute arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules, except that:

• You may bring claims in small claims court if eligible
• Either party may seek injunctive relief in court

Class Action Waiver

You agree that any arbitration or legal proceeding shall be conducted on an individual basis, not as a class action, and you waive your right to participate in a class action lawsuit or class-wide arbitration.

12. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on this page
• Updating the "Last Updated" date
• Sending an email notification (if you have an account)

Your continued use of the Service after changes constitutes acceptance of the updated Terms. If you do not agree to the new Terms, you must stop using the Service.

13. General Provisions

Entire Agreement: These Terms constitute the entire agreement between you and Namaste Insurance.

Severability: If any provision is found invalid, the remaining provisions remain in effect.

Waiver: Our failure to enforce any right or provision does not constitute a waiver.

Assignment: You may not assign these Terms without our written consent.

Third-Party Rights: These Terms do not create rights for third parties.

14. State-Specific Notices

Massachusetts Residents

Massachusetts law requires us to disclose that we are not licensed as an insurance agent in Massachusetts. We are a technology platform that refers consumers to licensed carriers.

California Residents

California Civil Code Section 1789.3 requires us to provide: California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

15. Contact Information

Questions about these Terms? Contact us:

• Email: legal@namasteinsurance.com
• Mail: Namaste Insurance, 123 Main Street, Boston, MA 02101
• Phone: (617) 555-0100