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Terms of Service

Welcome to Insurance Economics! By accessing and using https://www.insurance-economics.site/ (“Site”), you agree to the following Terms of Service. If you do not agree, please discontinue using the Site.

1. Definitions

a. “User”
Anyone who accesses, reads, or interacts with the Site.

b. “Content”
All information, articles, images, links, or any materials published on the Site.

2. Use of the Site

By using this Site, you agree NOT to:

  • Violate any applicable laws or regulations.

  • Copy, modify, distribute, or resell Content without permission.

  • Upload or distribute viruses, malicious code, or harmful scripts.

3. Content & Accuracy

All Content is provided for general information and educational purposes only.
We do not guarantee that all information is:

  • Accurate

  • Complete

  • Updated

  • Free from errors

The Site does not provide professional, financial, legal, investment, or insurance advice. Always consult a qualified professional before making important decisions.

4. Intellectual Property Rights

All Content on this Site is protected by copyright and other intellectual property laws.
You may not:

  • Copy

  • Redistribute

  • Modify

  • Reproduce

any part of the Site without prior written permission.

5. Third-Party Links

The Site may contain links to third-party websites that are not owned or controlled by us.
We are not responsible for the content, policies, or practices of any external websites.

6. Changes to the Site & Terms

We may update or modify the Content or these Terms at any time without prior notice.
Changes become effective when posted on the Site.
Continued use of the Site indicates acceptance of the updated Terms.

7. Limitation of Liability

To the fullest extent permitted by law:

  • The Site and its owners are not liable for any direct, indirect, incidental, or consequential damages.

  • We do not guarantee uninterrupted, secure, or error-free access to the Site.

8. Termination of Access

We reserve the right to suspend or terminate access to the Site at any time, especially if a User violates these Terms or applicable laws.

9. Electronic Communications

By using the Site, you consent to receive communications electronically, such as emails, notices, or updates posted on the Site.

10. Governing Law

These Terms are governed by the laws of the Republic of Indonesia (or the country of operation of the Site owner).
Any disputes will be resolved according to applicable jurisdiction.

11. Contact

For questions about this Terms of Service, you can contact us at:

📧 Email: [email protected]