Effective Date: November 10, 2025
These Terms and Services ("Terms") govern your access to the website located at mikrorocketdemo.com (the "Site") and your relationship with Mikrorocket ("we," "us," or "our"). By accessing the Site, submitting forms, or engaging our insurance advisory services, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site.
1. Nature of Services
Mikrorocket provides insurance consulting, policy comparison, enrollment support, claims advocacy, and educational content. Unless expressly stated in a separate written agreement, we act as an independent intermediary and not as the insurer. Insurance policies are issued by third-party carriers subject to their own terms, conditions, exclusions, and underwriting guidelines. Quotes, illustrations, and premium estimates displayed on the Site or communicated orally are indicative only and non-binding until accepted by an insurer.
Nothing on the Site constitutes legal, tax, or investment advice. You should consult licensed professionals for matters beyond the scope of insurance products. Our recommendations are based on information you supply; inaccurate or incomplete data may affect suitability and pricing.
2. Eligibility and Account Security
You represent that you are at least eighteen years of age and have the legal capacity to enter into contracts. If you submit information on behalf of a business, you represent that you are authorized to bind that entity. You are responsible for maintaining the confidentiality of any credentials or documents we provide through secure portals and for all activities conducted under your identity.
3. Acceptable Use
You agree not to misuse the Site. Prohibited conduct includes attempting unauthorized access to systems, scraping content for commercial redistribution, introducing malware, impersonating another person, submitting fraudulent insurance applications, or using the Site in violation of applicable laws or carrier rules. We may suspend access, remove content, or cooperate with authorities when misuse is detected.
3.1 User Submissions
Information submitted through contact, quote, subscribe, or unsubscribe forms must be accurate to the best of your knowledge. You grant Mikrorocket a limited license to use submissions for the purpose of responding to your inquiry, providing services, and improving our offerings. Do not submit sensitive payment card data through unencrypted channels.
4. No Guarantee of Coverage
Submission of a quote request does not guarantee issuance of a policy. Carriers may decline, limit, or modify coverage based on underwriting review, inspections, loss history, or regulatory requirements. Binding coverage occurs only when the insurer accepts the risk and any required premium is paid according to policy provisions.
5. Fees and Compensation
Advisory fees, if any, will be disclosed before you incur them. We may receive commissions or other compensation from insurers, which can vary by product and carrier. Details are available upon request. Compensation arrangements do not obligate you to purchase a particular product, and we strive to present suitable alternatives when they exist.
6. Intellectual Property
The Site, including text, graphics, logos, icons, images, software, and layout, is owned by Mikrorocket or its licensors and protected by intellectual property laws. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit Site content without prior written consent.
7. Third-Party Links and Tools
The Site may link to carrier portals, educational resources, or social networks. We do not control third-party sites and are not responsible for their content, privacy practices, or availability. Your use of third-party services is at your own risk and subject to their terms.
8. Disclaimers
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, MIKROROCKET DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
Educational articles discuss general insurance concepts and may not reflect changes in law, carrier forms, or your unique circumstances. Always review the official policy jacket, declarations, and endorsements before relying on coverage.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MIKROROCKET AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES SHALL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO MIKROROCKET FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE MONTHS PRECEDING THE EVENT OR (B) ONE HUNDRED DOLLARS.
Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.
10. Indemnification
You agree to defend, indemnify, and hold harmless Mikrorocket from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, infringement of third-party rights, or inaccurate information provided to us or carriers.
11. Claims Assistance
When we assist with claims, we facilitate communication between you and the insurer but do not adjust losses on the carrier's behalf. Coverage determinations rest solely with the insurer in accordance with policy language. You must comply with notice, cooperation, and proof-of-loss requirements specified in your policies.
12. Electronic Communications
By submitting forms or subscribing to emails, you consent to receive electronic communications related to your inquiries, policies, and marketing (where permitted). You may withdraw marketing consent through the unsubscribe page. Electronic records may satisfy legal writing requirements where allowed.
13. Privacy
Our collection and use of personal information are described in the Privacy Policy, incorporated into these Terms by reference.
14. Modifications
We may update these Terms periodically. The "Effective Date" will reflect revisions. Continued use of the Site after changes constitutes acceptance. Material changes may be highlighted on the Site or communicated via email where appropriate.
15. Governing Law and Dispute Resolution
These Terms are governed by the laws of the jurisdiction in which Mikrorocket is organized, without regard to conflict-of-law rules. Disputes shall first be addressed through good-faith negotiation. If unresolved within thirty days, parties agree to binding arbitration on an individual basis, except that either party may seek injunctive relief in court for intellectual property or unauthorized access. Class actions are waived to the extent permitted by law.
16. Severability and Waiver
If any provision is found unenforceable, the remaining provisions remain in effect. Failure to enforce a provision is not a waiver of future enforcement.
17. Entire Agreement
These Terms, together with the Privacy Policy and any signed service agreements, constitute the entire agreement regarding the Site and supersede prior understandings on the same subject. In the event of conflict between these Terms and a signed agreement, the signed agreement controls for the subject matter it covers.
18. Contact
Questions about these Terms may be submitted through the Contact Us form on this Site.