Last Updated: April 22, 2025
Welcome to fildar.com (“Website”), operated by Fildar. These Terms and Conditions (“Terms”) govern your access to and use of the Website, including any content, services, or features provided. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
1. Acceptance of Terms
By using the Website, you confirm that you are at least 18 years of age or have the consent of a parent or guardian. You agree to comply with these Terms and any applicable laws or regulations. We may update these Terms periodically, and continued use of the Website constitutes acceptance of the updated Terms.
2. Use of the Website
You agree to use the Website only for lawful purposes and in accordance with these Terms. You may not:
- Use the Website in any way that violates local, national, or international laws.
- Engage in unauthorized access to or interference with the Website’s systems, servers, or data.
- Use automated systems (e.g., bots, spiders) to scrape or extract content without permission.
- Post or transmit harmful content, including viruses, malware, or defamatory material.
- Impersonate any person or entity or misrepresent your affiliation with Fildar.
3. Content and Intellectual Property
All content on the Website, including text, images, graphics, logos, and articles (e.g., content related to insurance and technology), is the property of Fildar or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may:
- Access and view content for personal, non-commercial use.
- Share content via social media or other platforms, provided you credit fildar.com and include a link to the original content.
You may not:
- Reproduce, modify, distribute, or create derivative works from the content without prior written consent.
- Use the content for commercial purposes without permission.
To request permission, contact us at hello@fildar.com.
4. User-Generated Content
If you submit comments, feedback, or other content through the Website (e.g., via contact forms or newsletter sign-ups), you grant Fildar a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and publish such content for purposes related to operating and promoting the Website. You are responsible for ensuring your content:
- Is accurate and lawful.
- Does not infringe on third-party rights, including intellectual property or privacy rights.
- Is not offensive, defamatory, or harmful.
Fildar reserves the right to remove or edit user-generated content at its discretion.
5. Third-Party Links and Services
The Website may contain links to third-party websites or services (e.g., social media platforms, advertisers, or partners). Fildar is not responsible for the content, accuracy, or practices of these third parties. Accessing third-party links is at your own risk, and you should review their terms and privacy policies.
6. Disclaimer of Warranties
The Website and its content are provided on an “as is” and “as available” basis. Fildar makes no warranties, express or implied, regarding:
- The accuracy, completeness, or reliability of the content, including information about insurance or technology.
- The Website’s availability, functionality, or freedom from errors or interruptions.
- The absence of viruses or harmful components.
Use of the Website is at your own risk. Fildar does not provide financial, legal, or professional advice; content is for informational purposes only.
7. Limitation of Liability
To the fullest extent permitted by law, Fildar and its affiliates, officers, or agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of or inability to use the Website.
- Errors, omissions, or inaccuracies in the content.
- Unauthorized access to or loss of your data.
- Actions taken based on the Website’s information or third-party links.
In no event will Fildar’s total liability exceed $100 USD.
8. Indemnification
You agree to indemnify and hold harmless Fildar and its affiliates, officers, or agents from any claims, damages, or expenses (including legal fees) arising from:
- Your violation of these Terms.
- Your use of the Website or its content.
- Your submission of user-generated content that infringes third-party rights or violates laws.
9. Termination
Fildar reserves the right to suspend or terminate your access to the Website at any time, without notice, for reasons including:
- Violation of these Terms.
- Engaging in activities that harm the Website or other users.
- At Fildar’s sole discretion, for operational or legal reasons.
Upon termination, your right to access the Website ceases, but these Terms’ provisions (e.g., intellectual property, liability) remain in effect.
10. Governing Law and Dispute Resolution
These Terms are governed by the laws of the jurisdiction where Fildar operates, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Website will be resolved through:
- Informal Negotiation: Contact us at hello@fildar.com to resolve issues amicably.
- Arbitration: If unresolved, disputes will be settled by binding arbitration in accordance with the rules of a recognized arbitration body, conducted in the aforementioned jurisdiction.
You waive the right to participate in class action lawsuits against Fildar.
11. Privacy Policy
Your use of the Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information.
12. Changes to These Terms
Fildar may update these Terms at any time by posting the revised version on the Website with an updated “Last Updated” date. Your continued use of the Website after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.
13. Contact Us
If you have questions, concerns, or feedback regarding these Terms, please contact us at:
Email: hello@fildar.com
We are committed to addressing your inquiries promptly.
14. Miscellaneous
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.
Entire Agreement: These Terms, along with the Privacy Policy, constitute the entire agreement between you and Fildar regarding the Website.
Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
Assignment: Fildar may assign these Terms to a successor in the event of a merger or acquisition; you may not assign these Terms without our consent.