Terms and Conditions

1. Acceptance of Terms

By accessing or using SurelyNest's website, mobile application, or services, you agree to be bound by these Terms and Conditions ("Terms"). These Terms constitute a legally binding agreement between you and SurelyNest Insurance Company ("SurelyNest," "we," "us," or "our").

If you do not agree with any part of these Terms, you must not use our services. Your continued use of our services after any changes to these Terms constitutes acceptance of those changes.

2. Definitions

For the purposes of these Terms:

• "Company" (referred to as either "the Company", "we", "us" or "our") refers to SurelyNest Insurance Company.
• "You" refers to the individual accessing or using our services.
• "Service" refers to the website, mobile application, and insurance services provided by SurelyNest.
• "Policy" refers to the insurance contract between you and SurelyNest.
• "Premium" refers to the amount you pay for insurance coverage.
• "Claim" refers to a request for compensation under your insurance policy.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Reside in a state where SurelyNest is licensed to operate
• Provide accurate and complete information during registration
• Own or have an insurable interest in the property you wish to insure

SurelyNest reserves the right to refuse service to anyone for any reason at our sole discretion.

4. Our Services

SurelyNest provides home insurance products and related services, including:

• Online insurance quotes and applications
• Policy management through our digital platform
• Claims processing and support
• Customer service and support
• Risk assessment and underwriting services

Service Availability

Our services are available in select states and may be subject to regulatory approval. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with appropriate notice.

5. Account Registration and Security

To access certain features of our services, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

7. Payments and Billing

Payment terms for insurance premiums are specified in your insurance policy. General payment terms include:

• Premiums are due according to your selected payment schedule
• Accepted payment methods include credit cards, debit cards, and bank transfers
• Automatic payment authorization may be required
• Late fees may apply for overdue payments
• Failure to pay premiums may result in policy cancellation

Refunds

Refunds for unused premiums will be calculated according to your policy terms and applicable state regulations.

8. Cancellation and Non-Renewal

You may cancel your insurance policy at any time by:

• Calling our customer service line
• Using your online account
• Submitting a written cancellation request

SurelyNest may cancel or non-renew your policy for reasons permitted by law, including non-payment of premiums, material misrepresentation, or increased risk.

9. Limitation of Liability

To the maximum extent permitted by law:

• SurelyNest's liability is limited to the coverage provided under your insurance policy
• We are not liable for indirect, incidental, or consequential damages
• Our total liability shall not exceed the premiums paid by you
• These limitations apply regardless of the theory of liability

10. Intellectual Property

All content on our website and mobile application, including text, graphics, logos, and software, is the property of SurelyNest and is protected by copyright and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or service marks
• Create derivative works based on our content
• Reverse engineer or attempt to extract source code

11. Termination

These Terms remain in effect until terminated by either party. We may terminate your access to our services immediately, without notice, for any violation of these Terms.

Upon termination, your right to use our services ceases immediately, but the provisions regarding liability, intellectual property, and governing law survive termination.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the state where your policy is issued. Any disputes will be resolved through:

• Good faith negotiation
• Mediation if negotiation fails
• Binding arbitration as a final resort

Some disputes may be resolved in small claims court if they fall within the court's jurisdiction.

Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class actions or representative proceedings.

13. Contact Information

If you have questions about these Terms, please contact us:

• Email: [email protected]
• Phone: (833) 828-6363
• Mail: SurelyNest Insurance Company
  Legal Department
  1024 Iron Point Road
  Folsom, California 95630

Effective Date

These Terms and Conditions are effective as of January 15, 2025.