Terms and Conditions

THE PARTIES

By accessing and using our official website ("the site"), you agree to comply with the terms and conditions outlined in this agreement, as well as any additional rules posted on the site. Your usage of the site should not disrupt its functionality or impair its responsiveness. If you engage in commercial activities on the site, it is essential to adhere to relevant laws, including the Can Spam Act and the GDPR.

You are responsible for managing any information obtained from the site, ensuring the privacy and security of your username and password. If you become aware of any unauthorized use of your login credentials, it is imperative to notify the company immediately. Any actions taken through your account will be considered your own, and you will be liable for any damages suffered by yourself or third parties due to misuse, loss, or transfer of such data.

When creating an account on behalf of an organization, you affirm that you have the appropriate authorization to act on behalf of that entity. Under no circumstances are you allowed to transfer or grant third parties access to your username, password, or membership profiles.

Our company endeavors to comply with applicable laws regarding data collection and processing. We have implemented a Legitimate Interest Assessment (LIA) in accordance with the GDPR and will periodically update it. However, we cannot guarantee the data's use or accuracy. It is your responsibility to ensure compliance with relevant laws, including telemarketing, email marketing, fax marketing, consumer solicitation, data security, and privacy laws when utilizing the data.

You assume legal, administrative, and criminal responsibility for the use of the information obtained. Our company shall not be held directly or indirectly liable for any damages caused by third parties resulting from your actions on the site, your use of the information, or any violations of these terms or applicable laws. Any complaints or damages arising from unauthorized use of the data or your failure to fulfill your obligations under these terms will be directed to you, and you will be required to address any related payment requests. You agree to indemnify the company against any unlawful use of the data.

The terms and conditions explicitly prohibit the resale or publication of the data, or the provision of access to third parties, whether in whole or in part. The data may only be used for the purposes specified in these terms and conditions. Direct competition with the company's services using the data is strictly prohibited. However, you may utilize the data (including in combination with other data points) to create machine learning models for the insurance industry ("derivatives"). You will retain ownership of such derivatives and are free to exploit and commercialize them without any restrictions.

Please note that the sale of data is final and non-refundable. Once you submit your order, you enter into a legally binding purchase transaction. By proceeding, you authorize the company to charge the full amount for any data acquired through the website.

Note: The purchase of email databases is final and non-refundable.

We strive to maintain a deliverability guarantee of 95% for all email addresses. If your deliverability rate falls below 95% and you can provide verifiable proof, we will be happy to accept your request and promptly replace the affected email addresses with new contacts.

Upon approval of your payment, we will send you an email containing a secure download link to access the complete product in an Excel/CSV file format. Once the database is successfully downloaded, you will have unrestricted access to the entire product.

Please note: Refunds cannot be issued after the database has been completely downloaded. Payments can be made conveniently through either an invoice or our secure website.

Our focus is on delivering downloadable products directly to you via email. Once your payment is completed, we will promptly send you an email with a secure download link for the product. After the product has been downloaded, you will gain full access to its contents.

Please be aware: Refunds are not available for downloaded products.

Important: By proceeding with your transaction, you are entering into a binding purchase agreement, and the credits you purchase are non-refundable.

It is important to note that all payments are processed through a trusted third-party payment gateway that handles the storage of credit card information. We want to ensure that you understand and agree that the company cannot be held responsible for the data storage practices employed by the payment processor.

By proceeding with the sale, you acknowledge and confirm that the contact's name, phone number, email, personal contact details, and financial information provided are accurate and authentic. It is essential to ensure the correctness of this information, as the company cannot be held responsible if the data becomes unusable due to any inaccuracies or delays in providing the required information.

The company holds all intellectual property rights to the software, graphics, designs, writings, logos, and illustrations used on the website. Unauthorized copying or use of this information or software for purposes other than those intended by the website is strictly prohibited. Similarly, copying, distributing, processing, or using the pictures, texts, images, documents, and other materials on the website in any other way is also prohibited. Any actions that disrupt the functioning of the website's software or interfere with other users' use of the website are strictly prohibited. This includes placing excessive burden on the website, accessing or modifying website content, or using software that may interfere with its operation. Additionally, attempting to access the company's servers, reverse engineering, attacking, or interfering with the operation of any software, hardware, or servers is strictly prohibited.

The company reserves the right to unilaterally amend, add to, or update these terms, as well as the privacy policy and other published terms, at its sole discretion. The company also reserves the right to reorganize the website, change its subject matter, scope, and content, discontinue the sale of devices through the website, or suspend the website without prior notice or justification.

The privacy policy governs the use of user information. The company agrees to use and disclose user information only within the scope outlined in these terms and the privacy policy, and not to disclose it to third parties. In some cases, the company may use cookies to collect non-personal information for better understanding of users and to improve the website's utility, performance, and effectiveness. By using the website, users consent to the use of their information in this manner. The company may also utilize the information provided by users to create profiles, conduct advertisements, marketing, and market research. User data may be stored for the purposes outlined in the terms and conditions, but users may delete their data or request that the company delete their data as needed. The company will not sell or disclose individual user data to third parties. However, in cases where the user's actions or violations of these terms or the law are detected, the company reserves the right to disclose user information to relevant authorities.