Terms and Conditions

Welcome to Swedish Car Insurance Guide. These Terms and Conditions ("Terms") govern your access to and use of swedishcarinsurance.com and all related services (collectively, the "Services"). Please read these Terms carefully. By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

1. Introduction

Swedish Car Insurance Guide ("we," "us," or "our") provides an informational platform for users to learn about, compare, and find car insurance options in Sweden. We are not an insurance provider, broker, or agent. We do not sell insurance policies directly but may connect you with licensed insurance providers.

Our Services include content about car insurance in Sweden, tools for comparing insurance options, and the ability to request quotes from insurance providers. These Terms apply to all visitors, users, and others who access or use our Services.

2. Definitions

In these Terms, the following definitions apply:

• "Account" means the account created by a User to access and use the Services.
• "Content" means any text, graphics, images, music, software, audio, video, information, or other materials appearing on or through the Services.
• "User" means an individual who accesses or uses the Services.
• "User Content" means any Content that a User posts, uploads, publishes, submits, or transmits to be made available through the Services.
• "Insurance Provider" means a third-party company that offers insurance policies and may be connected with Users through our Services.
• "Quote" means an estimate of insurance premium rates provided by an Insurance Provider.
• "Services" means the swedishcarinsurance.com website and all related services provided by Swedish Car Insurance Guide.

3. Account Registration and Use

3.1 Account Creation

To use certain features of our Services, you may need to register for an Account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for safeguarding your password and for all activities that occur under your Account. You agree to notify us immediately if you suspect any unauthorized use of your Account.

3.2 Age Requirement

You must be at least 18 years old to create an Account and use our Services. By creating an Account, you represent and warrant that you are at least 18 years old.

3.3 One Account Per User

You may not create more than one Account without our express permission. We reserve the right to terminate any duplicate Accounts.

3.4 Account Termination

We reserve the right to suspend or terminate your Account at any time for any reason, including but not limited to violation of these Terms. You may also terminate your Account at any time by contacting our customer service.

4. Insurance Information and Quotes

4.1 Information Accuracy

We strive to ensure that all information on our Services is accurate and up-to-date. However, insurance policies, rates, and offerings change frequently. We do not guarantee the accuracy, completeness, or timeliness of any information presented on our Services. You should always verify information directly with Insurance Providers before making any decisions.

4.2 Quote Process

When you request a quote through our Services:

• You agree to provide accurate, complete, and current information.
• You authorize us to share your information with Insurance Providers to generate quotes for you.
• You understand that quotes are estimates only and the final premium may differ after a full underwriting review.
• You acknowledge that Insurance Providers may contact you directly regarding the quotes they provide.

4.3 No Insurance Advice

Our Services provide information about insurance products but do not constitute insurance advice. We do not recommend specific insurance products or providers. You are solely responsible for determining whether a particular insurance product is suitable for your needs.

4.4 Third-Party Insurance Providers

By using our Services to request quotes, you may be connected with third-party Insurance Providers. These Insurance Providers are not operated by us, and we are not responsible for their services, policies, or actions. Your interactions with Insurance Providers, including any purchase of insurance, are governed by their own terms and conditions.

5. Intellectual Property Rights

5.1 Our Content

The Services and their Content, features, and functionality are owned by Swedish Car Insurance Guide and its licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You may not use, copy, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your web browser for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
• If we provide social media features with certain content, you may take such actions as are enabled by such features.

5.2 User Content

You retain all rights in, and are solely responsible for, the User Content you post to the Services. By posting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with providing the Services.

5.3 Feedback

If you provide us with any feedback or suggestions regarding the Services ("Feedback"), you hereby assign to us all rights in such Feedback and agree that we shall have the right to use and fully exploit such Feedback in any manner we deem appropriate.

5.4 Trademarks

The Swedish Car Insurance Guide name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Swedish Car Insurance Guide or its affiliates or licensors. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Services are the trademarks of their respective owners.

6. Prohibited Conduct

You agree not to:

• Use the Services in any way that violates any applicable federal, state, local, or international law or regulation.
• Use the Services for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way.
• Send, knowingly receive, upload, download, use, or re-use any material that does not comply with these Terms.
• Transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
• Impersonate or attempt to impersonate Swedish Car Insurance Guide, a Swedish Car Insurance Guide employee, another user, or any other person or entity.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which may harm Swedish Car Insurance Guide or users of the Services.
• Use any robot, spider, or other automatic device, process, or means to access the Services for any purpose, including monitoring or copying any of the material on the Services.
• Use any manual process to monitor or copy any of the material on the Services or for any other unauthorized purpose without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of the Services.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Services, the server on which the Services are stored, or any server, computer, or database connected to the Services.
• Attack the Services via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the Services.

7. User Content Standards

User Content must comply with all applicable laws and regulations. In addition, User Content must not:

• Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
• Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any third party.
• Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations.
• Be likely to deceive any person.
• Promote any illegal activity, or advocate, promote, or assist any unlawful act.
• Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
• Impersonate any person, or misrepresent your identity or affiliation with any person or organization.
• Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.
• Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

8. Monitoring and Enforcement

We have the right to:

• Remove or refuse to post any User Content for any or no reason.
• Take any action with respect to any User Content that we deem necessary or appropriate in our sole discretion, including if we believe that such User Content violates these Terms, infringes any intellectual property right or other right, threatens the personal safety of users of the Services or the public, or could create liability for Swedish Car Insurance Guide.
• Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
• Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Services.
• Terminate or suspend your access to all or part of the Services for any or no reason, including without limitation, any violation of these Terms.

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Services.

YOU WAIVE AND HOLD HARMLESS SWEDISH CAR INSURANCE GUIDE FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY SWEDISH CAR INSURANCE GUIDE DURING, OR AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SWEDISH CAR INSURANCE GUIDE OR LAW ENFORCEMENT AUTHORITIES.

9. Disclaimers

9.1 Services Provided "As Is"

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. SWEDISH CAR INSURANCE GUIDE DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9.2 No Accuracy Guarantees

SWEDISH CAR INSURANCE GUIDE DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION ON THE SERVICES OR ANY INSURANCE QUOTES OBTAINED THROUGH THE SERVICES. ANY RELIANCE YOU PLACE ON SUCH INFORMATION OR QUOTES IS STRICTLY AT YOUR OWN RISK.

9.3 Third-Party Services

SWEDISH CAR INSURANCE GUIDE MAKES NO WARRANTY REGARDING ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICES OR ANY INSURANCE POLICIES PURCHASED FROM INSURANCE PROVIDERS FOUND THROUGH THE SERVICES.

9.4 Technical Issues

SWEDISH CAR INSURANCE GUIDE DOES NOT WARRANT THAT THE SERVICES WILL OPERATE ERROR-FREE OR THAT THE SERVICES, ITS SERVER, OR ITS CONTENT ARE FREE OF COMPUTER VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES.

10. Limitation of Liability

IN NO EVENT WILL SWEDISH CAR INSURANCE GUIDE, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICES, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SERVICES OR SUCH OTHER WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

11. Indemnification

You agree to defend, indemnify, and hold harmless Swedish Car Insurance Guide, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services, including, but not limited to, your User Content, any use of the Services' content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Services.

12. Changes to Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Services thereafter. Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

13. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Sweden, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Services shall be instituted exclusively in the Swedish courts, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

14. Severability

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

15. Entire Agreement

These Terms and our Privacy Policy constitute the sole and entire agreement between you and Swedish Car Insurance Guide regarding the Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Services.

16. Contact Information

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