Last Updated: Sept 24, 2025
These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and
Pod Insurance (“Pod Insurance,” “we,” “us,” or “our”) governing your access to and use of our website at
www.pod.insure (the “Site”), any mobile application we provide (the “App”), and any related services, content, tools, or features offered through these platforms (collectively, the “Offerings”).
By accessing or using the Offerings, you
acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do
not agree to these Terms or the Privacy Policy, you must not use the Offerings.
1. Changes to Terms
We may update or revise these Terms at any time in our discretion. The date at the top of these Terms indicates when they were last updated. New users are bound by the Terms in effect at their first use. For existing users, changes become effective 15 days after we post them. Continued use of the Offerings after changes means you accept the revised Terms.
2. Eligibility; Your Responsibilities
You represent and warrant that you are at least 18 years old. You will use the Offerings only for lawful purposes and in compliance with all applicable laws.
3. License; Restrictions on Use
Subject to your compliance with these Terms: Pod Insurance grants you a limited, revocable, non-transferable, non-exclusive license to access and use the Offerings for your personal, non-commercial use (or legitimate business purposes, if applicable). You agree not to: Copy, reproduce, distribute, modify, adapt, translate, reverse engineer, decompile, or disassemble the App or any part thereof; Access or use the Offerings in a way that overloads, damages, or interferes with the infrastructure or performance of the Site or App; Use bots, scripts, crawlers or other automated methods to access, scrape, or otherwise gather content from the Offerings in bulk; Remove or alter any announcements, copyright, trademark or other proprietary notices contained in or on the Offerings; Use the Offerings for any unlawful or unauthorized purpose.
4. Intellectual Property; Ownership
All content, trademarks, service marks, logos, designs, graphics, text, materials, software, and other materials available through the Offerings (collectively, “Content”) are owned by or licensed to Pod Insurance. Except for the rights expressly granted to you herein, Pod Insurance retains all right, title, and interest, including intellectual property rights.
5. Electronic Communications
By using the Offerings, you consent to receive communications from us electronically (e.g., via email, in-App messages, notices on the Site) and agree that such communications satisfy legal requirements that they be in writing.
6. Privacy Policy
Your use of the Offerings is subject to our Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you also agree to the terms of our Privacy Policy.
7. Updates and Modifications to the Offerings
We may from time to time introduce updates, upgrades, bug fixes, patches, new features, or delete or modify existing features (“Updates”). You agree we are not required to provide any specific Updates, and that Updates are subject to these Terms. If your device or device settings permit, the App may update automatically.
8. Suspension, Termination, and Access Restrictions
We reserve the right to modify, suspend, or discontinue any aspect of the Offerings at any time, without notice or liability.We may suspend or terminate your access if you violate these Terms or for any other reason, at our discretion.
9. Disclaimers; Limitation of Liability
Disclaimer of Warranties
The Offerings and Content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise, including fitness for a particular purpose, accuracy, non-infringement, merchantability, or availability.
Limitation of Liability
To the maximum extent permitted by law, Pod Insurance, its officers, directors, employees, agents, licensors, or service providers will
not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from or relating to your use of, or inability to use, the Offerings or Content—even if foreseeable. In jurisdictions that allow limitation of liability, if liability is imposed, our total liability will be limited to the amount you have paid, if any, for our services in the 12 months before the event giving rise to liability (or a fixed minimal amount, if no amounts were paid), or another legally permissible limit.
10. IndemnificationYou agree to indemnify, defend, and hold harmless Pod Insurance and its officers, directors, employees, agents, licensors, and service providers from and against any loss, liability, claim, demand, damage, cost or expense (including reasonable attorneys’ fees) arising out of or related to: Your use of the Offerings; Your breach of these Terms; Your violation of any applicable law or the rights of a third party.
11. Third-Party MaterialsThe Offerings may contain links to, or include content provided by, third parties (“Third-Party Materials”). We do not control such content, and are not responsible for its accuracy, completeness, legality, or any other aspect. Accessing or using Third-Party Materials is at your own risk, subject to those third parties’ terms.
12. Linking to Our SiteYou may link to our homepage in a fair and lawful manner so long as you do not suggest any endorsement or affiliation that doesn’t exist. You must not frame our Site, or use it in any way that misrepresents our relationship. We may revoke linking permissions at any time.
13. Governing Law; Dispute Resolution; WaiversThese Terms are governed by the laws of Texas, USA, without regard to conflict of laws principles. You and Pod Insurance agree that disputes will be resolved [by arbitration / in courts] in Texas. You and Pod Insurance waive any right to a jury trial in respect to any dispute arising out of these Terms. You agree not to bring or participate in any class action or representative proceeding (if applicable under your jurisdiction).If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, or if not possible, severed, and the rest of these Terms will remain in full force and effect.
14. Miscellaneous
Geographic Restrictions: The Offerings are designed for and directed to persons in the USA. If you access from outside that jurisdiction, you do so at your own risk and are responsible for compliance with local laws.
Entire Agreement: These Terms, together with the Privacy Policy and any other agreements expressly incorporated herein, constitute the entire agreement between you and Pod Insurance regarding the Offerings and supersede any prior or contemporaneous agreements.
Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it later.
15. Contact & QuestionsIf you have any questions about these Terms or the Offerings, please contact us at:
legal@pod.insure 
