Terms and Conditions

Effective Date: July 2025

Website: https://manhattan.ailiabilitynewyork.com

1. Acceptance of Terms

Welcome to AI Liability Insurance New York ("Company," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website, services, and any AI liability insurance-related content we provide. By accessing our website at https://manhattan.ailiabilitynewyork.com or using our services, you agree to be bound by these Terms.

AI Liability Insurance New York is a lead generation and marketing platform. We are not an insurance agency, broker, or carrier, and we do not directly sell, solicit, or bind insurance coverage.

If you do not agree with any part of these Terms, you must not use our website or services.

2. Definitions

For the purposes of these Terms:

• "AI Technology": Artificial intelligence, machine learning, deep learning, neural networks, and related systems.
• "Services": Website content, lead generation features, and referral tools provided by us.
• "User" or "you": Anyone using the website or submitting a lead form.
• "Content": All materials on the site (text, graphics, images, etc.).

3. Description of Services

AI Liability Insurance New York operates as an independent marketing and lead generation platform. We are not licensed to sell insurance products. Any insurance-related services, quotes, or coverage decisions are provided exclusively by licensed insurance professionals or agencies.

We provide:

• Informational content about liability insurance for AI technologies
• Lead generation via web forms and calls
• Referral of inquiries to licensed insurance brokers

You agree that:

• We do not offer legal or financial advice
• We do not process, bind, or approve insurance coverage
• We are paid for marketing services only—not commissions or sales

4. Eligibility

You must be 18+ and legally able to enter into agreements to use this site. Providing false or misleading information is grounds for termination.

5. AI Technology Disclosures

You acknowledge that:

• AI-related insurance carries inherent risks
• Coverage decisions depend on full, accurate disclosure of your AI systems
• Insurance terms may evolve as technology and regulations change

6. Website Use Restrictions

You agree not to:

• Break any laws using the site
• Upload harmful code or spam
• Interfere with the website's operations
• Impersonate our company or agents
• Use the site to solicit or defraud others

7. Intellectual Property

All content is owned by AI Liability Insurance New York or its licensors. You may not reproduce or redistribute it without permission.

8. Privacy

Your use of this site is subject to our Privacy Policy. By using the site, you consent to our data collection and usage practices.

9. Insurance Policy Terms

This website does not issue, manage, or underwrite insurance policies. All policy-related terms and decisions are between you and the licensed provider you are referred to.

We make no guarantees about coverage, eligibility, pricing, or policy outcomes.

10. Claims and Inquiries

If you submit a claim or inquiry through our site, it will be forwarded to a licensed provider. We are not responsible for processing claims or determining outcomes.

11. Limitation of Liability

We are not liable for any damages arising from your use of this site, including lost profits or business opportunities. Our liability is limited to the amount you paid us in the 12 months before any dispute.

12. Indemnification

You agree to indemnify and hold harmless our company from any claim arising from your misuse of the site, violation of laws, or misrepresentation.

13. Disclaimers

Our site is provided "as is." We make no warranties regarding:

• Accuracy of information
• Availability or uptime
• Suitability for your business or legal situation

14. Regulatory Compliance

We are not licensed insurance agents. All transactions or quotes are handled by third parties. You are responsible for verifying the licensing status and appropriateness of any provider we refer you to.

15. Termination

We may suspend or terminate your access at any time, especially for violations of these Terms.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of New York, and disputes shall be resolved through arbitration in New York under AAA rules.

17. Modifications

We may update these Terms at any time. Your continued use of the site constitutes acceptance of any changes.

18. Severability

If any provision is invalid, the rest shall remain in effect.

19. Entire Agreement

These Terms, along with our Privacy Policy, represent the entire agreement between you and AI Liability Insurance New York.

20. Contact Information