Terms & Conditions

Last Updated: Wednesday 11th September 2024

1. Introduction
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Welcome to Cova.ai, a trademark of HubSpoke Insurance Pty Ltd ("Company", "we", "our", "us"). These Terms & Conditions ("Terms") govern your use of our website located at [insert website URL] (the "Site") and our SaaS services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Services.

2. Use of Services
2.1 EligibilityYou must be at least 18 years old and able to form legally binding contracts to access and use our Services.
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2.2 User Account
To access certain features of the Services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer or device.

2.3 Acceptable Use
You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services: In any way that violates any applicable federal, state, local, or international law or regulationTo transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter," "spam," or any other similar solicitationTo impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entityIn any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful

3. Intellectual Property
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3.1 Our Intellectual Property
The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

3.2 License to Use Services
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to use our Services for your personal or internal business purposes.

4. User Content
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4.1 Your Content
You retain any and all of your rights to any content you submit, post, or display on or through the Services ("User Content") and you are responsible for protecting those rights.
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4.2 Company's Use of User Content
By posting User Content on or through the Services, you grant us the right to use, modify, publicly perform, publicly display, reproduce, and distribute such User Content on and through the Services.

5. Payment
5.1 Fees
You agree to pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable.
5.2 Billing
We use a third-party payment processor to bill you through a payment account linked to your account. The processing of payments will be subject to the terms, conditions, and privacy policies of the payment processor in addition to these Terms.

6. Termination
We may terminate or suspend your account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

7. Limitation of Liability
In no event shall the Company, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Services.

8. Disclaimer
The Services are provided on an "AS IS" and "AS AVAILABLE" basis. The Company hereby disclaims all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for particular purpose.

9. Governing Law
These Terms shall be governed and construed in accordance with the laws of Australia without regard to its conflict of law provisions.

10. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

11. Contact Us
If you have any questions about these Terms, please contact us at: HubSpoke Insurance Pty Ltd, hello@upsure.com.au, 1800 270 999