Effective Date: January 1, 2025

1. Agreement to Terms

By accessing or using ChooseMyInsurance.com (the "Website"), operated by OptimHub SAS ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.

Company Information:
OptimHub SAS
SIREN: 534 057 088
SIRET: 534 057 088 00039
TVA: FR63534057088
Address: 11 Rue de Lourmel, 75015 Paris, France
Legal Form: Société par actions simplifiée (SAS)

2. Description of Service

ChooseMyInsurance.com is an informational website that provides:

• Comparisons of auto insurance companies
• Educational content about insurance
• Links to third-party insurance company websites
• Tools and calculators for informational purposes

We do not sell insurance policies directly. We are not an insurance company, broker, or agent. We provide information and referrals to help you make informed decisions.

3. Not Insurance Advice

The information on this Website is for general informational purposes only and does not constitute insurance, financial, legal, or professional advice. The content should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

Insurance rates, coverage options, and company information may change. We make no guarantees about the accuracy, completeness, or timeliness of the information presented.

4. Affiliate Relationships

We participate in affiliate marketing programs. When you click on links to insurance companies on our Website and purchase a policy, we may receive compensation. This affiliate relationship does not affect the price you pay for insurance.

Our affiliate relationships do not influence our editorial content, rankings, or recommendations. We disclose these relationships in accordance with applicable laws and regulations.

5. Third-Party Websites

Our Website contains links to third-party websites, including insurance company websites. We are not responsible for the content, accuracy, privacy practices, or terms of these third-party sites.

When you leave our Website to visit a third-party site, you are subject to that site's terms and conditions. We encourage you to review their policies before providing any personal information.

6. User Conduct

You agree not to:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Website
• Interfere with or disrupt the Website or servers
• Use automated systems to access the Website without permission
• Transmit any viruses, malware, or harmful code
• Collect or harvest user information without consent
• Reproduce, duplicate, or copy Website content without permission

7. Intellectual Property

All content on the Website, including text, graphics, logos, images, and software, is the property of OptimHub SAS or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our prior written consent.

8. Disclaimer of Warranties

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Website will be uninterrupted or error-free
• The information will be accurate, complete, or current
• Any errors or defects will be corrected
• The Website is free of viruses or harmful components

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPTIMHUB SAS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO ACCESS THE WEBSITE (IF ANY) OR €100, WHICHEVER IS GREATER.

10. Indemnification

You agree to indemnify, defend, and hold harmless OptimHub SAS and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Website or violation of these Terms.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms.

12. Termination

We may terminate or suspend your access to the Website at any time, without prior notice or liability, for any reason, including breach of these Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of France, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Paris, France.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and OptimHub SAS regarding your use of the Website.

16. Contact Information

For questions about these Terms, please contact us at:

Email: contact@choose-my-insurance.com
Company: OptimHub SAS
SIREN: 534 057 088
Address: 11 Rue de Lourmel, 75015 Paris, France