SmartLivingHub — Terms of Use

These Terms of Use ("Terms") govern your access and use of the SmartLivingHub website, mobile apps and related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

By using SmartLivingHub (the "App" or "Service"), you acknowledge that you have read and agree to these Terms and any policies referenced herein, including our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Changes to Terms and Service

We may modify these Terms or suspend, modify, or discontinue the Service (or any part of it) at any time. If we make material changes to these Terms, we will post notice on the Service or otherwise provide notice. Your continued use after such modifications constitutes acceptance of the updated Terms.

3. Using the Service

SmartLivingHub is an AI-powered platform that helps users compare and discover auto insurance options tailored by vehicle, zip code, and age. The Service analyzes available plans to provide recommendations and potential saving estimates. Example features include:

• Input your vehicle details, zip code and age to receive tailored recommendations.
• Compare premiums, coverage, and benefits across multiple plans.
• Receive estimated savings ranges (for example, initial tests suggest average savings between £450–£1,200 annually; actual savings will vary).

4. Accounts and Security

1. You must provide accurate information when creating an account and keep it up to date.
2. Protect your account credentials and notify us immediately of unauthorized access.
3. We may disable or remove accounts that violate these Terms or for security reasons.

5. Prohibited Uses

You agree not to misuse the Service, including but not limited to:

• Reverse-engineer, decompile, or attempt to extract source code or algorithms of the Service;
• Use the Service to collect other users' data without consent;
• Interfere with the operation, security, or integrity of the Service; or
• Use the Service for unlawful, fraudulent, or harmful purposes.

6. Intellectual Property

The Service and its original content, features and functionality (including text, graphics, logos, and software) are and will remain the exclusive property of SmartLivingHub or our licensors. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Third-Party Content and Links

The Service may contain links to third-party sites, services or advertisers. We do not endorse and are not responsible for content, accuracy, or practices of those third parties. Your interactions with third parties are solely between you and the third party.

8. Disclaimer of Warranties

The Service is provided "as is" and "as available" and SmartLivingHub disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. While the App uses AI to analyze insurance options, results and savings are estimates only and are not guaranteed.

9. Limitation of Liability

To the fullest extent permitted by law, in no event will SmartLivingHub, its affiliates, officers, directors, employees, agents or licensors be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service. Our aggregate liability for claims arising out of or relating to these Terms or the Service will not exceed the amount you paid us in the 12 months preceding the claim, or £100 if you did not pay us.

10. Indemnification

You agree to indemnify, defend and hold harmless SmartLivingHub from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from your violation of these Terms or your use of the Service.

11. Fees and Subscriptions

During our launch period, certain features may be offered free of charge. We may introduce paid features or subscription plans in the future. If you purchase a subscription, additional terms and a refund policy may apply and will be disclosed at the time of purchase.

12. Privacy

Our Privacy Policy explains how we collect, use and share personal information. By using the Service, you consent to the collection and use of information in accordance with that policy.

13. Termination

We may suspend or terminate your access for any reason, including violation of these Terms. Termination does not relieve you of obligations that arose prior to termination and does not limit any other remedies available to us.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the jurisdiction where SmartLivingHub is incorporated, without regard to conflict of laws principles. Any disputes arising under these Terms will be resolved in the courts located in that jurisdiction unless otherwise agreed.

15. Accuracy of Information

We strive to keep content accurate and up to date, including summaries of SmartLivingHub's capabilities and launch offers. However, details such as savings estimates, promotional offers and availability may change; always refer to the Service for the most current information.

16. Contact

If you have questions about these Terms, please contact us at: [email protected].