Terms of Use for innovative-ukraine.com
These Terms of Use govern your access to and use of the website innovative-ukraine.com (the "Site"), operated by Innovative Insurance Capital Ukraine ("we," "us," or "our"). By accessing the Site, you agree to be bound by these Terms.
1. Acceptance of Terms
Your use of the Site constitutes your unconditional acceptance of these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you must not use this Site.
2. Purpose of the Site
The Site provides general information about our insurance products, primarily travel and health insurance for visitors to Ukraine. It is for informational purposes only and does not constitute a financial service, insurance advice, or an offer to sell insurance.
3. Insurance Terms & Conditions
All insurance policies issued by Innovative Insurance Capital Ukraine are governed by their specific terms, conditions, exclusions, and limitations. The definitive terms for any insurance product are contained in the official insurance policy documentation.
For the complete and legally binding terms of our insurance products, please refer to the official document: Innovation-insurance-ukraine.pdf. The information on this Site is supplementary and does not override the terms in the PDF policy document.
4. User Obligations
You agree to use the Site lawfully and not to:
- Use the Site in any way that breaches any applicable local or international law or regulation.
- Misrepresent your identity or affiliation with any person or entity.
- Attempt to gain unauthorized access to any part of the Site, its servers, or networks.
- Use any data mining, robots, or similar data gathering tools on the Site.
5. Intellectual Property
All content on this Site, including text, graphics, logos, and software, is the property of Innovative Insurance Capital Ukraine or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
6. Disclaimer of Warranties
The Site and its content are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the operation of the Site or the accuracy, completeness, or reliability of any information contained herein. We disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.
7. Limitation of Liability
We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your access to, use of, or inability to use the Site, even if we have been advised of the possibility of such damages.
8. External Links
The Site may contain links to third-party websites. These links are provided for convenience only. We have no control over and accept no responsibility for the content or practices of any linked site.
9. Modifications to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the modified terms.
10. Governing Law & Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of Ukraine. Any disputes relating to these terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Ukraine.
11. Contact Information
For questions regarding these Terms of Use, please contact us at: legal@innovative-ukraine.com.
Last Updated: March 2025