1. Acceptance of Terms

By using our Website and Services, you agree to comply with and be bound by these Terms and all applicable laws and regulations.

2. Privacy Policy

Your use of our Website and Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

3. Use of Website and Services

You agree to use the Website and Services only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit the use and enjoyment of the Website and Services by any third party. Prohibited behavior includes, but is not limited to:

• Harassing or causing distress or inconvenience to any person
• Transmitting obscene or offensive content
• Disrupting the normal flow of dialogue within the Website

4. Intellectual Property

All content on our Website, including text, graphics, logos, images, and software, is the property of SK Insurances or its content suppliers and is protected by United States and international intellectual property laws. Unauthorized use of any content on the Website may violate copyright, trademark, and other laws.

5. User Accounts

To access certain features of our Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your password and for any activities or actions under your account.

6. Disclaimers

The information provided on the Website is for general informational purposes only and is not intended as professional advice. SK Insurances makes no representations or warranties about the accuracy, completeness, or reliability of any content on the Website.

7. Limitation of Liability

To the fullest extent permitted by law, SK Insurances shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use the Website or Services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Website or Services

8. Indemnification

You agree to indemnify, defend, and hold harmless SK Insurances, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that they may incur as a result of or arising from your use of the Website or Services or your violation of these Terms.

9. Changes to Terms

SK Insurances reserves the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on the Website. Your continued use of the Website or Services following the posting of changes constitutes your acceptance of such changes.