Terms of Service

Introduction

Welcome to peaknetworker.top. These Terms of Service ("Terms") govern your use of our website and travel insurance comparison services provided by peaknetworker Lda., a company registered in Portugal (Registration Number: 498235647).

By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

Acceptance of Terms

By using our website, submitting enquiries, or engaging with our services in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

These Terms constitute a legally binding agreement between you and peaknetworker Lda. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting on our website.

Your continued use of our services after any changes to these Terms constitutes acceptance of the revised Terms.

Description of Services

peaknetworker provides travel insurance comparison and recommendation services. Our services include:

• Comparing travel insurance policies from various providers
• Providing expert analysis and recommendations
• Offering guidance on coverage options and policy features
• Facilitating connections with insurance providers
• Educational content about travel insurance

We act as an intermediary and comparison service. We do not underwrite insurance policies or act as an insurance provider. All insurance contracts are between you and the chosen insurance provider.

User Obligations

When using our services, you agree to:

Provide Accurate Information

• Provide truthful and accurate information in all communications
• Update us if your circumstances change significantly
• Not misrepresent your identity, travel plans, or insurance needs

Use Services Appropriately

• Use our services only for legitimate travel insurance comparison purposes
• Not attempt to circumvent or manipulate our systems
• Not use our services for any illegal or unauthorised purpose
• Respect the intellectual property rights of peaknetworker and third parties

Prohibited Activities

You may not:

• Copy, reproduce, or distribute our content without permission
• Attempt to gain unauthorised access to our systems
• Interfere with the proper functioning of our website
• Use automated systems to access our services without authorisation
• Submit false or misleading information

Intellectual Property

All content on our website, including text, graphics, logos, images, software, and other materials, is owned by peaknetworker Lda. or our licensors and is protected by copyright, trademark, and other intellectual property laws.

Our Rights

• We retain all rights, title, and interest in our website and services
• Our trademarks, service marks, and logos may not be used without permission
• We reserve the right to protect our intellectual property rights

Limited License

We grant you a limited, non-exclusive, non-transferable licence to access and use our website for personal, non-commercial purposes in accordance with these Terms.

User-Generated Content

Any content you submit to us (such as enquiries, feedback, or reviews) may be used by us for business purposes, including improving our services and marketing activities, subject to our Privacy Policy.

Disclaimers and Service Limitations

While we strive to provide accurate and up-to-date information, please note the following limitations:

Information Accuracy

• Insurance policy details and pricing may change without notice
• We cannot guarantee the accuracy of all information at all times
• You should always verify policy details directly with insurance providers
• Our recommendations are based on available information and general criteria

Service Availability

• We do not guarantee uninterrupted access to our website or services
• Technical issues may temporarily affect service availability
• We reserve the right to modify or discontinue services with notice

Third-Party Services

We are not responsible for the services, policies, or actions of insurance providers or other third parties. Your relationship with insurance providers is governed by their terms and conditions.

Limitation of Liability

To the maximum extent permitted by law, peaknetworker Lda. shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services.

Specific Limitations

We shall not be liable for:

• Decisions made based on our recommendations or information
• Actions or omissions of insurance providers or third parties
• Technical issues, website downtime, or data loss
• Changes in insurance policy terms or availability
• Any losses resulting from your failure to obtain adequate insurance

Maximum Liability

In any event, our total liability to you for all claims shall not exceed the amount of fees (if any) you have paid to us for our services in the 12 months preceding the claim.

Essential Services Disclaimer

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Indemnification

You agree to indemnify, defend, and hold harmless peaknetworker Lda., its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from or related to:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any false or misleading information you provide

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Portugal and the European Union, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the courts of Lisbon, Portugal.

If you are a consumer resident in the European Union, you may also bring proceedings in the courts of your country of residence, and nothing in these Terms affects your rights under applicable consumer protection laws.

Termination

Either party may terminate this agreement at any time for any reason. Specifically:

Your Rights

• You may stop using our services at any time
• You may request deletion of your personal data subject to our Privacy Policy
• You may withdraw consent for marketing communications

Our Rights

• We may suspend or terminate your access for violation of these Terms
• We may discontinue services with reasonable notice
• We may refuse service to anyone at our discretion

Effect of Termination

Upon termination, your right to use our services ceases immediately. Provisions relating to intellectual property, limitation of liability, indemnification, and governing law shall survive termination.

General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and peaknetworker regarding our services.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms without restriction.

Force Majeure

Neither party shall be liable for any delay or failure to perform due to circumstances beyond their reasonable control, including but not limited to acts of God, war, terrorism, or government actions.

Contact Information

If you have any questions about these Terms of Service, please contact us: