TERMS & CONDITIONS

​Effective Date: 01.01.2025

Welcome to the Cielo Underwriting LLC ("Cielo," "we," "our," or "us") website. By accessing or using our website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not use our website.

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1. Use of the Website

1.1. Eligibility: By using this website, you represent that you are at least 18 years old or accessing the site under the supervision of a parent or guardian.
1.2. Permitted Use: You agree to use the website solely for lawful purposes and in accordance with these Terms and Conditions.
1.3. Prohibited Use: You may not:

• Use the website in a manner that could damage, disable, overburden, or impair our servers or networks.

• Interfere with another party's use of the website.

• Attempt to gain unauthorized access to any portion of the website or systems.

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2. Intellectual Property

2.1. Ownership: All content on this website, including text, graphics, logos, and images, is the property of Cielo or its licensors and is protected by copyright, trademark, and other intellectual property laws.
2.2. Limited License: You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes.
2.3. Restrictions: You may not reproduce, distribute, or create derivative works from any content on the website without prior written consent from Cielo.

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3. Disclaimer of Warranties

3.1. Website Content: The information provided on this website is for informational purposes only and does not constitute insurance advice.
3.2. No Guarantee: While we strive to ensure the accuracy of the information, we make no guarantees or warranties, express or implied, about the completeness, accuracy, reliability, or availability of the website or its content.
3.3. "As Is" Basis: The website is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied.

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4. Limitation of Liability

4.1. To the fullest extent permitted by law, Cielo and its affiliates, officers, employees, or agents will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the website or inability to use the website.
4.2. This limitation applies to damages resulting from errors, omissions, interruptions, defects, delays, or unauthorized access to the website.

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5. Third-Party Links

5.1. The website may contain links to third-party websites or services. These links are provided for convenience only and do not imply endorsement by Cielo.
5.2. We are not responsible for the content, practices, or availability of third-party websites.

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6. Privacy

Your use of the website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your information. By using the website, you consent to the practices described in our Privacy Policy.

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7. Changes to the Terms

7.1. Cielo reserves the right to update or modify these Terms and Conditions at any time without prior notice.
7.2. Any changes will be effective upon posting to the website. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

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8. Termination

8.1. Cielo reserves the right to terminate or suspend your access to the website at its sole discretion, without notice, for conduct that it believes violates these Terms and Conditions or is harmful to others.

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9. Governing Law

9.1. These Terms and Conditions are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of laws principles.
9.2. Any disputes arising from your use of the website shall be resolved exclusively in the state or federal courts located in Knox County.

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10. Contact Us

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

Cielo Underwriting LLC
900 S Gay Street, Ste 1801, Knoxville, TN 37922