Terms and Conditions

2. Definitions

For purposes of these Terms:

• "User”, “you”, “your” – any visitor to the Website, account holder, or purchaser, including someone acting on behalf of another traveler with proper authority.
• “Plans”, “Products” – insurance products displayed on the Website (including the Essential plan and any future plans such as Flex and Optima), as underwritten/serviced by third-party insurers/administrators
• “Quote” – a non-binding premium indication based on information you provide.
• “Broker” – Venbrook Insurance Services (California License No. 0D80832), a licensed insurance producer/broker responsible for distribution of Plans through this Website.

3. Eligibility, Access, and Accounts

3.1 Age & Capacity

Browsing the Website is permitted for users aged 13 and older. To purchase any insurance product or create an account, you must:

• be at least 18 years old, and
• have the legal capacity to enter into contracts,
• or have valid parental/guardian consent where allowed by law.

3.2 Account Information

If you create an account, you agree that all information you provide is accurate, current, and complete and that you will keep your credentials secure. You are responsible for all activity that occurs under your account.

3.3 Access and Availability

We may modify, suspend, or discontinue any part of the Website or Services at any time, with or without notice, and without liability. We may also restrict access to some parts of the Website, or the entire Website, to certain users (including registered users).

3.4 Unauthorized Use

Notify us promptly if you suspect unauthorized access to your account or credentials. We may suspend or close accounts at our discretion if we believe there is misuse, fraud, or a security risk.

4. Permitted Use & Prohibited Conduct

You may use the Website only to:

• learn about visitor-medical coverage,
• obtain quotes, and
• purchase eligible Plans for yourself or for someone you are authorized to represent.

You may not:

• use the Website for any unlawful, harmful, fraudulent, or misleading purpose;
• infringe others’ privacy, publicity, or intellectual-property rights;
• upload or transmit viruses, malware, or other harmful code;
• attempt to probe, scan, or test the vulnerability of any system or network;
• use robots, spiders, scrapers, or other automated tools to access or extract data from the Website without our prior written permission;
• misrepresent your identity, authority, or the accuracy of the information you submit;
• post or transmit defamatory, harassing, obscene, hateful, or discriminatory content.

We may suspend or terminate access for any violation of these Terms.

5. Insurance Information, Quotes, and Purchases

5.1 Information Only (No Advice)

Content on the Website is for general informational purposes only. It is not legal, medical, tax, or investment advice and may not reflect your unique circumstances. You must review the official policy documents, benefit summaries, and exclusions/limitations for your specific Plan.

5.2 No Guarantee of Availability

Products and services described on the Website may not be available to all persons in all states or countries at all times. Eligibility is determined by the insurer/administrator and applicable law.

5.3 Quotes Are Non-Binding

Quotes are based on the information you provide and on the insurer’s or administrator’s rules. A quote does not create coverage, bind any party, or guarantee issuance. Final terms, rates, and eligibility may differ from the initial quote.

5.4 When Coverage Begins

Coverage becomes effective only when:

1. your application is accepted by the insurer/administrator;
2. the required premium is received; and
3. you receive confirmation of coverage and/or policy documents from the applicable insurer/administrator.

Until you receive confirmation from the insurer/administrator, you should not assume coverage is in force.

5.5 Accuracy Matters

You must provide true, complete, and current information for quotes, purchases, and any claims or customer-service requests. Inaccurate, incomplete, or misleading information can result in:

• denial of coverage,
• rescission or cancellation of a policy, and/or
• denial of claims or other adverse outcomes permitted under applicable law and the policy contract.

5.6 Extensions & Changes

Policy changes (for example, extending coverage when one traveler on a multi-traveler policy remains in the U.S., or adjusting dates) are subject to:

• the Plan’s terms and conditions, and
• the insurer’s/administrator’s approval.

Changes may require updated information and additional premium and may be subject to waiting periods or other limitations.

5.7 Role of Indus.Care

Indus.Care provides the online platform, and the Plans are distributed through its licensed insurance producer/broker, Venbrook Insurance Services (California License No. 0D80832), via this Website. We do not make underwriting decisions; coverage terms and decisions are made by the insurer/administrator.

Any travel retailers, visa consultants, or community partners who refer you to our Website may not be licensed to sell insurance in all states and are not authorized to evaluate the adequacy of your coverage or to answer technical questions about policy terms.

6. Purchases and Payment

We accept payment methods as displayed on the Website. By providing a payment method, you represent that:

• You are legally authorized to use that payment method
• You authorize us and our payment processors to charge all amounts due (including applicable taxes and fees) for quotes you convert into purchases, renewals, or extensions

If a transaction fails, is reversed, or is later disputed, coverage may be delayed, suspended, or canceled in accordance with the Plan’s rules and the insurer’s/administrator’s policies.

7. Claims and Customer Support

7.1 Claims

All claims are administered in accordance with the policy contract and the procedures of the insurer/administrator. You must:

• Follow the instructions in your plan documents
• Notify the relevant claims or assistance team within the time periods specified in your policy
• Cooperate in good faith
• Provide the records and documentation reasonably requested

Submitting false, incomplete, or misleading information may result in claim denial and may constitute fraud.

7.2 Support

For questions about quotes, purchases, or general servicing, you can contact:

Email: support(at)indus(dot)care

We may route your inquiry to our distribution or administration partners where appropriate.

8. Third-Party Links and Tools

The Website may contain links to, or integrations with, third-party websites, tools, or services (including insurer portals, claims platforms, or payment providers). These are provided for your convenience only.

We do not control or endorse the content, policies, or practices of third-party websites or services and are not responsible for any losses or issues arising from your use of them. You should review their terms and privacy notices independently.

9. Intellectual Property

All content on the Website, including text, interfaces, graphics, logos, icons, images, and software, is owned by Indus.Care or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Website for its intended purposes.

You may not:

• Copy, modify, adapt, translate, or create derivative works from the Website or its content
• Reverse-engineer, decompile, or otherwise attempt to derive source code from any software used by the Website
• Remove or alter any copyright, trademark, or proprietary notices
• Use our name, logo, or trademarks in any advertising, publicity, or as a hyperlink without our prior written permission

If you believe any content on the Website infringes your intellectual property rights, you may contact us at support(at)indus(dot)care with sufficient detail for us to evaluate your claim.

10. Privacy & Data

Our Privacy Policy explains how we collect, use, share, and protect information about you. It is incorporated into these Terms by reference.

By using the Website or providing information to obtain a quote or purchase a Plan, you consent to the practices described in the Privacy Policy and authorize us to contact you about:

• Quotes and saved applications
• Purchases and policy servicing
• Renewals and extensions
• Claims routing and customer support
• Security notifications, surveys, and legal updates

11. User Submissions & Testimonials

If you choose to submit feedback, stories, testimonials, or other content (“Submissions”) to us through the Website or our communication channels, you grant Indus.Care a non-exclusive, worldwide, royalty-free license to use, reproduce, and display such Submissions for legitimate business purposes, including for marketing and service improvement, subject to any specific consent requirements under our Privacy Policy.

You represent and warrant that:

• You have all necessary rights to any Submission you provide
• Your Submission does not infringe any third party’s intellectual property, privacy, or other rights

We are not obligated to use or maintain any Submission and may remove it at our discretion.

12. Disclaimers

To the fullest extent permitted by law, the Website and Services are provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limiting the foregoing, we do not warrant that:

• Quotes, pricing, eligibility, coverage displays, provider networks, or plan details are error-free, up to date, or always available
• The Website will be uninterrupted, secure, or free of viruses or other harmful components
• The content will meet your specific needs or expectations

If any conflict exists between the content on the Website and the policy contract, the policy contract controls.

13. Limitation of Liability

To the maximum extent permitted by law, Indus.Care (New Jove Group, Inc.), Venbrook Insurance Services, and their respective affiliates, officers, directors, employees, agents, partners, suppliers, and licensors will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages (including, without limitation, lost profits, revenue, data, goodwill, or business interruption) arising out of or related to your use of, or inability to use, the Website or Services, whether based on contract, tort (including negligence), strict liability, or any other theory, even if advised of the possibility of such damages.

Our total liability for direct damages arising out of or related to your use of the Website or Services will not exceed the greater of:

• USD $100, or
• The amount you paid to us in connection with the specific transaction giving rise to the claim

Some jurisdictions do not allow certain limitations on liability. In those jurisdictions, our liability will be limited to the extent permitted by law.

14. Indemnification

You agree to defend, indemnify, and hold harmless Indus.Care, Venbrook Insurance Services, and their affiliates, officers, directors, employees, agents, partners, suppliers, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Website or Services
• Your violation of these Terms or any applicable law or regulation
• Your inaccurate, incomplete, or unauthorized submissions or misuse of information obtained through the Website

15. Electronic Communications & Consent

You consent to receive communications electronically from us, including emails, SMS, WhatsApp messages, in-app notices, and Website banners, regarding:

• Quotes and saved journeys
• Purchases and policy servicing
• Renewals and extensions
• Claims-related routing and updates (where applicable)
• Changes to these Terms or our Privacy Policy

If you withdraw consent to certain types of electronic communications, some Services may become unavailable or limited.

16. Arbitration and Class Action Waiver

Please read this section carefully. It affects your rights.

Except for certain types of disputes described below, you and Indus.Care agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or the Services (including any goods or services purchased through the Website) will be resolved by binding individual arbitration under the Federal Arbitration Act, and not in court.

• Arbitration will be administered by AAA under its applicable rules
• The arbitration will be conducted in Delaware (or by telephone, online, or written submissions, at the election of the party seeking relief, if permitted by the rules)
• The arbitral tribunal will consist of one impartial arbitrator
• There is no right or authority for any claims to be arbitrated on a class, collective, representative, or private attorney general basis. You may only bring claims in your individual capacity

Either party may seek immediate injunctive or other equitable relief in a court of competent jurisdiction to protect its rights (for example, intellectual property or data-security rights) without waiving the right to arbitration for other issues.

Opt-Out

You may opt out of this agreement to arbitrate by sending a written opt-out notice to:

Indus.Care

New Jove Group, Inc.
16192 Coastal Highway
Lewes, DE 19958, USA
The notice must be postmarked within 30 days of the date you first accept these Terms. 30 days of the date you first accept these Terms. Opting out of arbitration will not affect any other provision of these Terms.

17. Governing Law; Venue

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-law principles.

For any dispute that is not subject to arbitration, you agree to the exclusive jurisdiction and venue of the state and federal courts located in Delaware. If you access the Website from another jurisdiction, you are responsible for complying with all local laws.

18. Export & Sanctions Compliance

You represent that you are not located in, or a resident of, any jurisdiction subject to comprehensive U.S. sanctions, and that you are not a prohibited party under U.S. law.

You agree not to use the Services in violation of any applicable export control or sanctions laws and regulations of the United States or any other relevant jurisdiction.

19. General Terms

• Entire Agreement. These Terms, together with any documents they reference (including our Privacy Policy and applicable plan documents), form the entire agreement between you and us regarding the Website and Services.
• Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force and effect.
• No Waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.
• Assignment. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations to an affiliate or in connection with a merger, reorganization, or sale of all or part of our business.
• Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

20. Contact us

If you have questions about these Terms, you can contact:

Indus.Care
New Jove Group, Inc.
16192 Coastal Highway
Lewes, DE 19958, USA

Email: support(at)indus(dot)care