Protect Your Perfect Day

Last Updated: December 2024

1. Acceptance of Terms

By accessing and using WeddingGuardian services, you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service govern your use of our website and insurance services.

2. Description of Service

WeddingGuardian provides wedding and event insurance services, including but not limited to cancellation coverage, vendor failure protection, weather delay insurance, and liability coverage. Our services are subject to insurance policy terms and conditions.

3. Eligibility and Applications

Insurance coverage is subject to underwriting approval and policy terms. All applications must be truthful and complete. Misrepresentation may result in policy cancellation or claim denial.

4. Premium Payments

Insurance premiums must be paid in full before coverage becomes effective. We accept various payment methods and offer flexible payment plans subject to approval.

5. Claims Process

Claims must be reported promptly according to policy terms. Our claims team will investigate and process valid claims in accordance with policy provisions and applicable law.

6. Limitation of Liability

WeddingGuardian's liability is limited to the coverage amounts specified in your insurance policy. We are not liable for consequential or punitive damages beyond policy limits.

7. Cancellation Policy

Policies may be cancelled by either party according to the terms specified in your insurance contract. Refunds, if applicable, will be processed according to policy provisions.

8. Privacy Protection

We are committed to protecting your privacy and personal information in accordance with our Privacy Policy and applicable data protection laws.

9. Governing Law

These terms are governed by the laws of New York State and applicable federal regulations. Any disputes will be resolved through binding arbitration.

10. Contact Information

For questions about these Terms of Service, please contact us at [email protected] or call +1 (212) 555-0147.

Last Updated: December 2024

1. Information We Collect

We collect personal information necessary to provide insurance services, including contact details, wedding information, financial data, and claims-related documentation. This information is collected through our website forms, phone calls, and email communications.

2. How We Use Your Information

Your personal information is used to: provide insurance quotes and policies, process claims, communicate about your coverage, improve our services, and comply with legal requirements. We do not sell your personal information to third parties.

3. Information Sharing

We may share your information with: insurance underwriters and reinsurers, claims adjusters and investigators, legal counsel when required, and regulatory authorities as mandated by law. All sharing is done in accordance with insurance industry standards and applicable privacy laws.

4. Data Security

We implement comprehensive security measures including encryption, secure servers, access controls, and regular security audits to protect your personal information from unauthorized access, disclosure, or misuse.

5. Your Privacy Rights

You have the right to: access your personal information, request corrections or updates, request deletion where legally permissible, object to certain processing activities, and receive a copy of your data in a portable format.

6. Cookies and Tracking

Our website uses cookies to improve functionality and user experience. You can control cookie preferences through your browser settings or our cookie consent manager.

7. Data Retention

We retain your personal information for as long as necessary to provide services, comply with legal obligations, and resolve disputes. Insurance records are maintained according to regulatory requirements.

8. International Transfers

If we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your data in accordance with applicable privacy laws.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes through email or website notices.

10. Contact Us

For privacy-related questions or to exercise your rights, contact our Privacy Officer at [email protected] or +1 (212) 555-0147.

Last Updated: December 2024

1. What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide better functionality and understand how you use our services.

2. Types of Cookies We Use

Essential Cookies: Necessary for basic website functionality, security, and your ability to navigate our site and use its features.

Performance Cookies: Help us understand how visitors interact with our website by collecting anonymous usage statistics.

Functional Cookies: Enable enhanced functionality and personalization, such as remembering your preferences and settings.

Marketing Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns.

3. Cookie Duration

Session Cookies: Temporary cookies deleted when you close your browser.

Persistent Cookies: Remain on your device for a specified period or until manually deleted.

4. Third-Party Cookies

We may use third-party services that set their own cookies, including analytics providers, social media platforms, and advertising networks. These cookies are governed by the respective third parties' privacy policies.

5. Managing Your Cookie Preferences

You can control cookie settings through: our cookie consent banner, your browser settings, third-party opt-out tools, and by contacting us directly for assistance.

6. Cookie Consent

By continuing to use our website after seeing our cookie notice, you consent to our use of cookies as described in this policy. You can withdraw consent at any time.

7. Impact of Disabling Cookies

Disabling certain cookies may limit website functionality, prevent access to some features, and affect your user experience.

8. Contact Information

For questions about our cookie practices, contact us at [email protected] or +1 (212) 555-0147.

Last Updated: December 2024

1. DMCA Compliance

WeddingGuardian respects intellectual property rights and complies with the Digital Millennium Copyright Act (DMCA). We respond promptly to valid copyright infringement notices.

2. Copyright Infringement Notification

If you believe content on our website infringes your copyright, please provide our DMCA agent with the following information:

• Physical or electronic signature of the copyright owner or authorized representative
• Description of the copyrighted work claimed to be infringed
• Description of the allegedly infringing material and its location on our website
• Your contact information (address, telephone number, email)
• Statement of good faith belief that the use is not authorized
• Statement that the information is accurate and you are authorized to act on behalf of the copyright owner

3. DMCA Agent Contact Information

DMCA Agent: Legal Department
Address: 847 Broadway, Suite 402, New York, NY 10003
Email: [email protected]
Phone: +1 (212) 555-0147

4. Counter-Notification Process

If you believe content was removed in error, you may submit a counter-notification containing:

• Your physical or electronic signature
• Description of the removed material and its former location
• Statement under penalty of perjury that removal was due to mistake or misidentification
• Your contact information and consent to federal court jurisdiction

5. Repeat Infringer Policy

We may terminate accounts of users who repeatedly infringe copyright or intellectual property rights of others.

6. No Legal Advice

This policy is for informational purposes only and does not constitute legal advice. Consult with an attorney for legal guidance regarding copyright matters.

7. Response Timeline

We will respond to valid DMCA notices within 7 business days and remove allegedly infringing content promptly upon verification.

8. Contact for Questions

For questions about this DMCA Policy, contact our legal department at [email protected].

Last Updated: December 2024

1. GDPR Overview

The General Data Protection Regulation (GDPR) provides comprehensive data protection rights for individuals in the European Union. WeddingGuardian is committed to GDPR compliance and protecting the privacy rights of all our users.

2. Legal Basis for Processing

We process personal data based on: legitimate business interests, contractual necessity, legal obligations, vital interests protection, and explicit consent where required.

3. Your GDPR Rights

Right of Access: Request copies of your personal data

Right to Rectification: Request correction of inaccurate personal data

Right to Erasure: Request deletion of personal data under certain circumstances

Right to Restrict Processing: Request limitation of data processing

Right to Data Portability: Request transfer of data in a structured format

Right to Object: Object to certain types of data processing

Rights Related to Automated Decision Making: Protection against purely automated decisions

4. Data Protection Officer

Our Data Protection Officer oversees GDPR compliance and handles privacy-related inquiries. Contact our DPO at [email protected].

5. Data Transfers

When transferring personal data outside the EU, we ensure appropriate safeguards including adequacy decisions, standard contractual clauses, or other approved mechanisms.

6. Data Breach Notification

We have procedures in place to detect, report, and investigate personal data breaches. We will notify supervisory authorities and affected individuals as required by GDPR.

7. Consent Management

Where we rely on consent for processing, you can withdraw consent at any time. Withdrawal does not affect the lawfulness of processing based on consent before withdrawal.

8. Data Retention

We retain personal data only as long as necessary for the purposes for which it was collected, considering legal obligations and legitimate business interests.

9. Supervisory Authority

You have the right to lodge a complaint with a supervisory authority if you believe we have violated your data protection rights.

10. Exercise Your Rights

To exercise your GDPR rights or ask questions about our data practices, contact us at [email protected] or +1 (212) 555-0147.