Terms and Conditions

Last Updated: 11/21/2025

1. Agreement to Terms

By accessing or using the Annapurna Insurance Solutions website (the "Site") and its services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all of these Terms, do not use the Site or Services.

2. Services Provided

Annapurna Insurance Solutions provides a platform for users to obtain information about insurance products, compare quotes, and connect with insurance advisors. We are an independent insurance agency. All insurance policies are offered and underwritten by third-party insurance carriers.

3. Use of the Site

• You agree to use the Site and Services only for lawful purposes.
• You are responsible for maintaining the confidentiality of any account information and passwords.
• You must provide accurate and current information when requested.
• We reserve the right to modify or discontinue the Site or Services at any time without notice.

4. Quotes and Applications

Insurance quotes provided on the Site are estimates based on the information you provide and are not a guarantee of coverage or final price. Actual premiums and coverage are determined by the insurance carrier upon submission and review of a complete application.

5. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of Annapurna Insurance Solutions or its licensors and is protected by copyright and other intellectual property laws.

6. Disclaimers and Limitation of Liability

[Placeholder: This section should include disclaimers about the accuracy of information, availability of services, and limit the liability of Annapurna Insurance Solutions for any damages arising from the use of the Site or Services. Consult with legal counsel for specific language.]

The Site and Services are provided "as is" without warranties of any kind. We do not guarantee that the Site will be error-free or uninterrupted.

7. Third-Party Links

The Site may contain links to third-party websites (e.g., BackNine, Calendly). We are not responsible for the content or practices of these external sites.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State/Jurisdiction], without regard to its conflict of law principles.

9. Changes to Terms

We reserve the right to modify these Terms at any time. Your continued use of the Site or Services after any such changes constitutes your acceptance of the new Terms.

10. Contact Us

If you have any questions about these Terms, please contact us at info@annapurnacoverage.com.

This is a template Terms and Conditions and should be reviewed and customized by legal counsel to ensure compliance with all applicable laws and regulations.