Legal

Terms of Use

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Effective date: [EFFECTIVE DATE, e.g. January 1, 2027]

These terms govern your use of Simple Insurance Guide at [https://YOUR-DOMAIN], operated by Rafael Javier [SURNAMES, exactly as on your ID (DNI/NIE)] (trading as Astexus) (“we”, “us”), based in Spain. Owner details are in the Legal Notice. By using the site you agree to these terms. If you do not agree, please do not use the site.

Information only

The site provides general information about insurance in the United States. It is not insurance, legal, tax or financial advice, and it does not create an advisor, agent, broker or attorney relationship. We do not sell insurance, give quotes or handle claims.

United States focus

The content describes insurance products, laws and programs in the United States and its states. It is not intended to describe the laws or insurance products of any other country.

Accuracy and changes

We work to keep information accurate and to cite official sources, and each page shows when it was last reviewed. Insurance laws, policy terms and programs change and differ by state and insurer, so information may be out of date or may not fit your situation. Confirm important details with your policy documents, your insurer or your state insurance department before you rely on them.

Your use of the site

You agree not to misuse the site, including by attempting to disrupt it, gain unauthorized access, scrape it in a way that burdens it, or use it for unlawful purposes.

Third-party links

The site links to government agencies and other third parties. We do not control those sites and are not responsible for their content, availability or practices.

Intellectual property

The site's text, design and illustrations belong to Rafael Javier [SURNAMES, exactly as on your ID (DNI/NIE)] or its licensors. You may view and share links to the site for personal, non-commercial use. Please do not copy substantial portions without permission. Quoted official materials remain the property of their owners.

Disclaimer of warranties

The site is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose and non-infringement, to the extent the law allows.

Limitation of liability

To the extent the law allows, we are not liable for any indirect, incidental, special or consequential damages, or for any loss arising from your reliance on information on the site. Nothing in these terms excludes or limits liability that cannot be excluded or limited by law, and nothing affects any mandatory consumer rights you may have where you live.

Personal data

How we handle personal data is explained in the Privacy Policy.

Governing law and courts

These terms are governed by the laws of Spain, without regard to conflict-of-law rules. Any dispute will be submitted to the courts of Spain, without prejudice to any mandatory consumer-protection rules of the country where you live that give you the right to bring a claim in your local courts.

Changes to these terms

We may update these terms. When we do, we will change the effective date above. Continued use of the site after a change means you accept the updated terms.

Contact

Questions about these terms: rafapeja37@gmail.com.