Terms and Conditions

1. Acceptance of Terms

By accessing and using the JorenIns website, mobile application, or purchasing any insurance products from us, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legal agreement between you and JorenIns ("Company," "we," "us," or "our"). We may update these Terms from time to time, and your continued use of our services after such updates constitutes acceptance of the revised Terms.

2. Definitions

For the purposes of these Terms:

• "Services" refers to all insurance products, quotes, claims processing, customer support, and related services provided by JorenIns.
• "User" or "You" refers to any individual or entity that accesses or uses our Services.
• "Policy" refers to any insurance contract issued by JorenIns or its partner carriers.
• "Website" refers to jorenins.com and any associated subdomains or mobile applications.

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information during registration
• Maintain the security and confidentiality of your account credentials

3.2 Account Responsibilities

You are responsible for:

• All activities that occur under your account
• Maintaining the accuracy of your account information
• Notifying us immediately of any unauthorized use of your account
• Keeping your contact information current

4. Insurance Services

4.1 Quote Process

Insurance quotes provided through our Services are estimates based on the information you provide. Final premium amounts may vary based on verification of information and underwriting requirements.

4.2 Policy Issuance

Insurance policies are issued by licensed insurance carriers. JorenIns acts as an intermediary and agent. The terms and conditions of your specific insurance policy are governed by the policy documents issued by the carrier.

4.3 Claims Processing

We facilitate the claims process on behalf of our customers, but final claim decisions are made by the insurance carriers according to the terms of your policy.

5. User Obligations

5.1 Accurate Information

You agree to provide accurate, complete, and truthful information when:

• Requesting quotes or purchasing insurance
• Filing claims or reporting incidents
• Updating your account or policy information
• Communicating with our customer service team

5.2 Prohibited Uses

You may not use our Services to:

• Provide false or misleading information
• Engage in fraudulent activities
• Violate any applicable laws or regulations
• Interfere with the proper functioning of our website or systems
• Access data not intended for you or log into servers you are not authorized to access

6. Payment Terms

6.1 Premium Payments

Insurance premiums are due according to the payment schedule specified in your policy. Failure to make timely payments may result in policy cancellation.

6.2 Payment Methods

We accept various payment methods including credit cards, debit cards, and electronic bank transfers. You authorize us to charge your selected payment method for premiums and fees.

6.3 Refunds

Refunds are processed according to your policy terms and applicable state regulations. Refunds may be subject to cancellation fees or administrative charges.

7. 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 our privacy practices as described in our Privacy Policy.

8. Limitation of Liability

To the maximum extent permitted by law:

• JorenIns shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount of premiums paid by you in the 12 months preceding the claim
• We are not responsible for decisions made by insurance carriers regarding coverage or claims
• We are not liable for technical issues, system downtime, or data loss not directly caused by our negligence

9. Dispute Resolution

9.1 Governing Law

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

9.2 Arbitration

Any disputes arising from these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except for claims that may be brought in small claims court.

10. Termination

We may terminate or suspend your access to our Services immediately, without prior notice, if you breach these Terms or engage in prohibited activities. Upon termination, your right to use our Services ceases immediately.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website or by email. Your continued use of our Services after such modifications constitutes acceptance of the updated Terms.

12. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of JorenIns or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.