Terms of Use

These Terms of Use (“Terms”) govern access to and use of www.nuvuinsurance.com (“Website”).

The Website is operated by Nuvu Insurance BV, registered in the Netherlands under registration number 98527606, with its registered office at Professor W.H. Keesomlaan1, 1183 DJ Amstelveen (“we”, “us” or “our”).

You can contact us at info@nuvuinsurance.com.

1. Definitions

In these Terms:

Content means text, images, graphics, logos, audio, video, software, documents and other materials made available through the Website.
User Content means materials you submit, upload or otherwise make available through the Website, where those features are available.
You or User means any person accessing or using the Website.
Consumer means an individual acting for purposes outside their trade, business or profession, as defined by applicable law.

2. Access and acceptance

Please read these Terms before using the Website. By using the Website, you agree to comply with these Terms. If you do not agree, please stop using the Website.

These Terms govern general Website use. Purchases, subscriptions or other services may be governed by separate terms, which will be provided before you enter into the relevant transaction. Those separate terms take priority if they conflict with these Terms in relation to that transaction.

You are responsible for making the arrangements needed to access the Website and ensuring that anyone accessing it through your internet connection is aware of these Terms.

We aim to keep the Website available but do not guarantee uninterrupted access. We may change, suspend or withdraw parts of the Website for maintenance, security, legal or operational reasons. We will provide reasonable notice where practicable if a change materially affects users.

3. Intellectual property

We own, or have permission to use, the intellectual property rights in the Website and its Content. Those rights are protected by applicable intellectual property laws.

You may view the Website and download or print reasonable extracts for your personal use or internal business reference, provided that you:

retain copyright, trademark and other ownership notices;
do not misrepresent the source or ownership of the Content; and
do not reproduce, distribute, sell or otherwise commercially exploit the Content without permission.

Any modification or further use requires our prior written permission unless expressly permitted by applicable law or an applicable licence.

Our names, logos and trademarks must not be used in a way that suggests endorsement, affiliation or sponsorship without our written permission.

4. Links to other websites

The Website may contain links to third-party websites or resources. These are provided for convenience. Unless expressly stated, a link does not indicate our endorsement of the third party or its content.

We do not control third-party websites and are not responsible for their content, availability or practices. Your use of them is subject to their own terms and policies. This does not exclude any responsibility that applicable law places on us.

5. Links to our Website

You may link to publicly available Website pages provided you do so lawfully, fairly and without suggesting an association, approval or endorsement that does not exist.

You must not frame the Website or present its Content as your own without our written permission. We may request removal of a link that breaches these Terms.

6. Disclaimers

The Website provides general information about Nuvu, the products and services we provide. Unless expressly stated otherwise, its Content does not constitute professional advice, a binding offer or a guarantee of any particular outcome.

Although we take reasonable care when preparing Content, it may contain errors or become outdated. To the extent permitted by applicable law, we do not guarantee that all Content is accurate, complete, current or suitable for your particular purpose.

Where a decision requires specialist advice, you should obtain appropriate advice before acting on Website Content.

Any descriptions of products or services remain subject to the applicable terms & conditions. These disclaimers do not override express commitments we make under those terms or your mandatory legal rights.

7. Limitation of liability

Nothing in these Terms excludes or limits liability for:

death or personal injury caused by negligence where exclusion or limitation is prohibited by law;
fraud or fraudulent misrepresentation; or
any other liability or remedy that cannot lawfully be excluded or limited.

If you are a Consumer, we remain responsible for loss or damage caused by our breach of these Terms or failure to exercise legally required care where that loss or damage was reasonably foreseeable. Nothing in these Terms affects your mandatory consumer rights.

If you use the Website for business purposes, then, to the extent permitted by applicable law, we will not be liable for indirect or consequential losses, or for loss of profit, revenue, business opportunity, anticipated savings or goodwill arising from your use of, or inability to use, the Website.

These limitations apply only to the extent permitted by applicable law and do not override liability provisions in a separate agreement governing products or services we supply to you.

8. Viruses, hacking and other offences

We take reasonable measures to protect the Website but cannot guarantee that it will always be secure or free from vulnerabilities, viruses or other harmful components. You should use appropriate security software and take reasonable precautions when downloading materials or following links.

You must not:

introduce viruses, ransomware, spyware, trojans, worms or other malicious code;
attempt to gain unauthorised access to the Website, accounts, servers, networks or connected systems;
bypass authentication, access restrictions or other security controls;
intercept communications or obtain data without authorisation;
conduct unauthorised vulnerability testing or exploit a vulnerability;
carry out denial-of-service attacks or otherwise disrupt the Website; or
assist, encourage or facilitate unlawful activity involving the Website.

Please report suspected vulnerabilities or security incidents to info@nuvuinsurance.com. Do not access, alter or disclose other users’ data when investigating or reporting an issue.

We may investigate suspected misuse, restrict access and cooperate with competent authorities where legally required or otherwise lawfully permitted.

9. Usage policy

You must use the Website lawfully and respect the rights of others.

You must not:

use the Website for fraud, impersonation, scams or other unlawful purposes;
submit unlawful, threatening, harassing, defamatory or discriminatory material;
infringe intellectual property, privacy, confidentiality or other rights;
send unsolicited advertising or spam through the Website;
knowingly submit false or misleading information;
collect personal information about others without lawful authority;
use automated tools in a way that bypasses access controls, infringes rights or places an unreasonable load on the Website; or
interfere with another person’s use of the Website.

Where User Content is permitted, we may remove or restrict access to material that breaches these Terms or applicable law. We do not undertake to review every submission before publication.

We may suspend or terminate access where reasonably necessary to address a material or repeated breach, a security risk or a legal requirement. Where appropriate and lawful, we will explain the reason and provide an opportunity to resolve the issue. You may contact info@nuvuinsurance.comto request a review.

10. Privacy and cookies

Our Privacy Policy explains how we collect, use, disclose, retain and protect personal data, and describes your applicable rights.

Our Cookie Policy explains our use of cookies and similar technologies and how you can manage your preferences.

Where consent is legally required, we will request it separately through an appropriate mechanism. Using the Website or accepting these Terms does not, by itself, constitute consent to optional cookies, marketing or other processing that requires consent.

11. Data protection

We will process personal data in accordance with applicable data protection laws. Our Privacy Policy identifies the relevant organisation responsible for that processing and explains the purposes, legal bases, recipients, retention arrangements and international transfers, where applicable.

We will maintain technical and organisational measures appropriate to the risks associated with the personal data we process.

If you provide personal data relating to another person, you must have a lawful basis to do so and provide any notices required by applicable law. This does not reduce our own data protection obligations.

Where a separate service involves us processing personal data on your behalf and applicable law requires a data processing agreement, that processing must be governed by an appropriate separate agreement.

For privacy enquiries or requests to exercise your rights, contact privacy@nuvuinsurance.com. Nothing in these Terms restricts rights or remedies available under applicable data protection law.

12. Changes to these Terms

We may update these Terms to reflect changes to the Website, our operations or legal requirements. Any such changes will become binding on you upon your first use of Our Site after the changes have been implemented. You are therefore advised to check this page from time to time.

In the event of any conflict between the current version of these Terms and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

13. Law and jurisdiction

These Terms and disputes arising from or connected with them are governed by Dutch law.

For users acting in a business capacity, Dutch courts of will have exclusive jurisdiction, subject to applicable mandatory law.

If you are a Consumer, this choice of law does not deprive you of protections that cannot be excluded under the law applicable to you. Nothing in these Terms restricts your right to bring proceedings before courts available to you under mandatory consumer protection or jurisdiction rules.

14. General provisions and contact

If a provision of these Terms is found unlawful or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

A delay in enforcing a provision does not, by itself, waive the right to enforce it later.

For questions, complaints or notices concerning these Terms, contact:

Nuvu Insurance BV

Professor W.H. Keesomlaan 1
1183 DJ, Amstelveen

The Netherlands