TERMS & CONDITIONS

These Terms and Conditions govern your use of our services, products, and website. By engaging with Venus Sharifi | Secure Nest Insurance, you agree to these terms in full. Please read them carefully before proceeding.

1. General Information

Venus Sharifi | Secure Nest Insurance provides Mortgage Protection Insurance services designed to safeguard your home in the event of unforeseen circumstances. Our policies are tailored to meet your specific needs, and your satisfaction is our top priority.

2. Eligibility

Our services are available to individuals who:

- Are at least 18 years of age.

- Provide accurate and complete information during the application process.

- Comply with all applicable laws and regulations.

3. Insurance Policies

- Policies offered through Venus Sharifi | Secure Nest Insurance are subject to underwriting and approval by our partner insurance providers.

- Premium rates, coverage amounts, and terms vary depending on individual circumstances, such as age, health, and mortgage details.

- Venus Sharifi | Secure Nest Insurance does not guarantee approval or specific policy outcomes.

4. Payment Terms

- Premium payments must be made on time to maintain coverage.

- Venus Sharifi | Secure Nest Insurance is not liable for lapses in coverage due to missed or late payments.

- Payment methods will be communicated during the policy setup process.

5. Cancellation and Refunds

- Policyholders may cancel their coverage at any time by providing written notice.

- Refund eligibility and terms depend on the specific insurance provider’s policy and are outlined in your individual policy documents.

6. Privacy Policy

Venus Sharifi | Secure Nest Insurance values your privacy. All personal information collected is handled in compliance with applicable privacy laws. For more details, please review our Privacy Policy.

7. SMS Messaging

Mortgage Protection Insurance

- This campaign is used to send appointment confirmations and links, account information, product information, marketing messages, help requests, webchat widget responses, plus opt-in and opt-out confirmations.

- You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

- If you experience issues with the messaging program, reply with the keyword HELP for more assistance.

- Carriers are not liable for delayed or undelivered messages.

- As always, message and data rates may apply for messages sent to you from us and to us from you. For questions about your text plan or data plan, contact your wireless provider.

- For privacy-related inquiries, please refer to our privacy policy at: https://securenestinsurance.com/privacy-policy

8. Disclaimer

- Venus Sharifi | Secure Nest Insurance acts as an agent connecting clients to reputable insurance providers.

- We are not directly responsible for underwriting or policy approvals.

- Insurance coverage is not guaranteed and is subject to the terms and conditions of the issuing insurance company.

9. Limitation of Liability

Venus Sharifi | Secure Nest Insurance is not liable for losses resulting from:

- Misrepresentation of information by the client.

- Failure to meet policy requirements.

- Any event outside our reasonable control.

10. Amendments

Venus Sharifi | Secure Nest Insurance reserves the right to update these Terms and Conditions at any time. Updates will be communicated via our website or directly to clients as necessary.

11. Intellectual Property

The Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.

The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

12. Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company 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 web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

13. Governing Law

The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

14. United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

15. 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.

16. Contact Information

For questions or concerns, please contact:

Venus Sharifi | Secure Nest Insurance

[email protected]

(945) 237-1772