Terms of Service

Last Updated: January 2025

These Terms of Service (“Terms,” “Terms of Service”) govern your use of our website located at domecoverage.com (together or individually “Service”) operated by Dome Insurance (“us,” “we,” or “our”).

Please read these Terms of Service carefully before accessing or using our Service. By accessing or using any part of the Service, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the Service.

1. Nature of Services

Dome Insurance is an insurance brokerage firm that acts as an intermediary between clients seeking insurance coverage and insurance carriers that underwrite insurance policies. We provide the following services:

• Insurance needs assessment and risk analysis
• Insurance product research and comparison
• Facilitation of quotes from insurance carriers
• Assistance with insurance application processes
• Advisory services related to insurance coverage options

Important Disclaimer: We are not an insurance company and do not underwrite, issue, or guarantee insurance policies. All insurance policies are issued directly by licensed insurance carriers. We act solely as a broker and intermediary in the insurance procurement process.

2. No Insurance Contract

The information provided on our Site is for informational and educational purposes only and does not constitute an offer to sell insurance, a solicitation of an offer to buy insurance, or insurance advice. No insurance coverage of any kind exists by virtue of your use of our Site or communications with us unless and until:

• A formal application for insurance has been submitted to and accepted by an insurance carrier
• The insurance carrier has issued a policy
• You have paid the required premium
• The policy has become effective according to its terms

Any quotes, estimates, or coverage descriptions provided through our Service are subject to underwriting approval by the insurance carrier and may change based on the carrier's review of complete application information.

3. Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to use our Service:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate Dome Insurance, a Dome Insurance employee, another user, or any other person or entity
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service
• To use any robot, spider, or other automatic device, process, or means to access the Service for any purpose
• To introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful
• To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service

4. Accuracy and Completeness of Information

You are responsible for providing accurate, current, and complete information when using our Service. Providing false, misleading, or incomplete information may:

• Result in inaccurate quotes or coverage recommendations
• Cause delays in processing your insurance applications
• Lead to denial of coverage by insurance carriers
• Void or rescind insurance policies that have been issued
• Result in claim denials

While we strive to provide accurate and up-to-date information about insurance products and services, we make no representations, warranties, or guarantees, express or implied, regarding the accuracy, completeness, timeliness, or reliability of any information on our Service. Insurance products, coverage terms, pricing, and availability are subject to change without notice and must be confirmed directly with the relevant insurance carrier.

5. Intellectual Property Rights

The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Dome Insurance, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the Service for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service, except as necessary to use the Service for its intended purpose.

6. Third-Party Content and Links

Our Service may contain links to third-party websites or services that are not owned or controlled by Dome Insurance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Dome Insurance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

7. Disclaimer of Warranties

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

DOME INSURANCE, ITS AFFILIATES, AND ITS LICENSORS DO NOT WARRANT THAT:

• The Service will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Service is free of viruses or other harmful components
• The results of using the Service will meet your requirements

8. Limitation of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL DOME INSURANCE, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SERVICE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Personal injury
• Pain and suffering
• Emotional distress
• Loss of revenue
• Loss of profits
• Loss of business or anticipated savings
• Loss of use
• Loss of goodwill
• Loss of data

WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

9. Indemnification

You agree to defend, indemnify, and hold harmless Dome Insurance, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns 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 of Service
• Your use of the Service
• Your violation of the rights of a third party
• Any information you provide through the Service

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, 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.

11. Dispute Resolution

Any dispute arising from these Terms and your use of the Service will be governed by the laws of the United States. Any dispute that cannot be resolved through informal negotiation will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to 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 Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

13. Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, shall constitute the entire agreement between you and Dome Insurance concerning the Service. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

15. Contact Us

If you have any questions about these Terms of Service, please contact us at:

Dome Insurance
Email: founders@domecoverage.com
Website: domecoverage.com