Terms & Conditions

Last updated: January 2026

1. Agreement to Terms

By accessing or using the services provided by JG INS LTD ("we", "us", or "our"), you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access our services.

2. Definitions

  • "Service" refers to the business management platform and related services provided by JG INS LTD.
  • "User" refers to any individual or entity that accesses or uses our Service.
  • "Account" refers to the user account created to access our Service.
  • "Content" refers to all data, information, text, graphics, and other materials available through the Service.

3. Use of Service

3.1 Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding agreements to use our Service. By using our Service, you represent and warrant that you meet these requirements.

3.2 Account Registration

To access certain features of our Service, you must register for an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information as necessary
  • Maintain the security of your account credentials
  • Accept responsibility for all activities under your account
  • Notify us immediately of any unauthorized access

3.3 Acceptable Use

You agree not to:

  • Use the Service for any illegal purpose or in violation of any laws
  • Violate any intellectual property rights
  • Transmit any viruses, malware, or harmful code
  • Attempt to gain unauthorized access to the Service
  • Interfere with or disrupt the Service or servers
  • Use automated systems to access the Service without permission
  • Impersonate any person or entity
  • Collect or store personal data about other users

4. Subscription and Payment

4.1 Subscription Plans

We offer various subscription plans with different features and pricing. Details of current plans are available on our website. We reserve the right to modify plans and pricing at any time, with notice to existing subscribers.

4.2 Payment Terms

Subscription fees are billed in advance on a monthly or annual basis. You agree to pay all fees associated with your subscription. All fees are non-refundable except as required by law or as explicitly stated in our refund policy.

4.3 Automatic Renewal

Unless you cancel your subscription, it will automatically renew at the end of each billing period. You authorize us to charge your payment method for renewal fees.

4.4 Cancellation

You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period. You will continue to have access to the Service until the end of the paid period.

5. Intellectual Property

The Service and its original content, features, and functionality are owned by JG INS LTD and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain ownership of any data you submit to the Service. By using the Service, you grant us a license to use, store, and process your data as necessary to provide the Service.

6. User Content

You are solely responsible for any content you upload, post, or transmit through the Service. You represent and warrant that you have all necessary rights to such content and that it does not violate any laws or third-party rights.

We reserve the right to remove any content that violates these Terms or is otherwise objectionable, at our sole discretion.

7. Service Availability

We strive to maintain high availability of our Service but do not guarantee uninterrupted or error-free operation. We reserve the right to modify, suspend, or discontinue the Service at any time, with or without notice.

8. Limitation of Liability

To the maximum extent permitted by law, JG INS LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of the Service.

Our total liability for any claims arising from the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless JG INS LTD, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these Terms.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any breach of these Terms. Upon termination, your right to use the Service will cease immediately.

You may terminate your account at any time by contacting us or using the account deletion feature in the Service.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact Us

If you have any questions about these Terms & Conditions, please contact us: