Last Updated: August 15, 2023
Welcome to SwedishAutoGuard AB ("Company", "we", "our", "us"). These Terms and Conditions ("Terms", "Terms and Conditions") govern your use of our website located at www.swedishautoguard.com (the "Site") and all related services, products, and content (collectively, the "Services") operated by SwedishAutoGuard AB.
By accessing or using the Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Services.
These Terms constitute a legally binding agreement between you, whether personally or on behalf of an entity ("you"), and SwedishAutoGuard AB, concerning your access to and use of the Services.
In these Terms, the following definitions apply:
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.
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.
You may not create more than one Account without our express permission. We reserve the right to terminate any duplicate Accounts.
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.
All insurance policies issued by SwedishAutoGuard AB are governed by the specific terms, conditions, exclusions, and limitations set forth in the policy documents. In case of any discrepancy between these Terms and the policy documents, the policy documents shall prevail.
Any quotes provided through our website, representatives, or agents are estimates only and are subject to underwriting approval. The final premium may differ based on the complete information collected during the application process. Quotes are valid for the period specified at the time they are provided.
The issuance of an insurance policy is subject to our underwriting guidelines and approval. We reserve the right to refuse to issue a policy to any applicant at our sole discretion. Payment of a premium does not guarantee the issuance of a policy.
Policy renewals are not automatic unless specifically agreed upon. We will provide notice of renewal terms before the expiration of your current policy. We reserve the right to modify the terms, conditions, and premiums upon renewal.
Policies may be canceled according to the terms specified in the policy documents. In general, you may cancel your policy at any time by providing written notice. We may cancel your policy for non-payment of premium or other reasons as outlined in the policy documents, subject to providing notice as required by applicable law.
You agree to pay all premiums when due. Failure to pay premiums may result in policy cancellation. We accept various payment methods as described on our website.
By providing your payment information, you authorize us to charge the applicable premiums to the payment method you have provided. For recurring payments, you authorize us to charge your payment method according to the payment schedule specified in your policy documents.
All premiums are subject to applicable taxes, fees, and surcharges as required by law. These amounts will be included in the total amount charged.
Refunds for canceled policies will be calculated according to the terms specified in the policy documents and applicable law. In general, refunds are calculated on a pro-rata basis minus any applicable fees.
Claims must be reported promptly according to the procedures outlined in your policy documents. Failure to report a claim in a timely manner may affect your coverage.
You agree to provide all required documentation and information needed to process your claim. This may include accident reports, photographs, receipts, and other supporting evidence.
Submitting false or fraudulent claims is prohibited and may result in claim denial, policy cancellation, and legal action. We actively investigate suspicious claims and cooperate with law enforcement agencies to prevent insurance fraud.
We strive to process claims fairly and efficiently. All claim decisions are based on the terms and conditions of your policy. If you disagree with a claim decision, you have the right to appeal according to the procedures outlined in your policy documents.
Subject to these Terms, we grant you a non-exclusive, non-transferable, revocable license to access and use our website for personal, non-commercial purposes.
You agree not to use our website:
The website and its entire contents, features, and functionality are owned by SwedishAutoGuard AB, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.
By posting, uploading, inputting, providing, or submitting content to our website, you grant us and our affiliates a perpetual, worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media. You represent and warrant that you own or control all rights in and to the content you provide and that such content does not violate these Terms or any applicable laws.
Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.
We do not guarantee that our website, or any content on it, will always be available or uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of our website without notice.
While we strive to provide accurate information on our website, we make no representations or warranties about the completeness, reliability, or accuracy of any content on our website. Any reliance you place on such information is strictly at your own risk.
Our website may contain links to third-party websites or services that are not owned or controlled by SwedishAutoGuard AB. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by the use of any such third-party website or service.
In no event shall SwedishAutoGuard AB, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction. In no case shall our liability exceed the amount paid by you, if any, for accessing our website or services.
You agree to defend, indemnify, and hold harmless SwedishAutoGuard AB, its directors, employees, partners, agents, suppliers, and affiliates 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 website or services.
These Terms shall be governed by and construed in accordance with the laws of Sweden, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
Any disputes arising out of or relating to these Terms or your use of the website or services shall be subject to the exclusive jurisdiction of the courts of Sweden.
We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website or services after any revisions become effective, you agree to be bound by the revised terms.
If you have any questions about these Terms, please contact us at:
SwedishAutoGuard AB
Attention: Legal Department
Drottninggatan 102
Stockholm, 111 60
Sweden
Email: [email protected]
Phone: +46 8 123 456
