alora

1. Acceptance of Terms

By accessing or using alora (the "Platform"), operated by alora, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Platform.

2. Description of Service

alora is a platform that connects individuals and businesses managing their insurance ("Explorers") with licensed insurance professionals ("Guides"). The Platform facilitates policy management, education, and connection — it does not provide insurance products, specific coverage recommendations, or binding coverage.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information when creating your account and keep it updated.

4. Acceptable Use

You agree not to use the Platform for any unlawful purpose, to impersonate any person or entity, to interfere with the Platform's operation, or to transmit any harmful or misleading content. Guides must maintain valid professional licenses as required by their jurisdiction.

5. Disclaimer

alora is not a licensed insurance carrier, broker, or agent. The Platform is provided for educational and connection purposes only. Any insurance decisions should be made in consultation with a licensed professional. We make no guarantees regarding the accuracy of information provided by users or Guides.

6. Limitation of Liability

To the fullest extent permitted by law, alora shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform.

7. Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes. Your continued use of the Platform after changes constitutes acceptance of the revised Terms.

8. Contact Us

If you have questions about these Terms, please contact us at [email protected].