1. Acceptance of Terms
Welcome to SVP Insurance. By accessing and using our website, you agree to be bound by the following terms and conditions (“Terms of Service”). Please read them carefully. If you do not agree to these terms, you should not use our services or access our site.

2. Changes to Terms
We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the site after any such changes constitutes your acceptance of the new Terms.

3. Access and Use of the Site

• Eligibility: You must be at least 18 years old to use our services. By using SVP Insurance, you represent and warrant that you meet this age requirement.
  
  
• License to Use: SVP Insurance grants you a limited, non-exclusive, non-transferable, revocable license to access and use the site strictly in accordance with these Terms.
• Prohibited Uses: You are prohibited from using the site for any unlawful purpose, to solicit others to perform or participate in any unlawful acts, or to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances.

4. Intellectual Property

All content included on the site, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the site, is the property of SVP Insurance or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights.

5. User Contributions

Any content you upload to the site will be considered non-confidential and non-proprietary. By posting, uploading, inputting, providing or submitting your content, you grant SVP Insurance and its affiliated companies a nonexclusive, worldwide, perpetual, right to use, publish, translate, distribute, and display such content.

6. Links to Third-Party Sites

Our site may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of SVP Insurance, and we are not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site.

7. Disclaimer of Warranties

The site and its content are provided “as is” and “as available” without warranty of any kind, either express or implied. SVP Insurance disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

8. Limitation of Liability

In no event shall SVP Insurance or its officers, directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i)

your access to or use of or inability to access or use the service; (ii)

any conduct or content of any third party on the service; (iii)

any content obtained from the service; and (iv)

unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory.

9. Indemnification

You agree to indemnify, defend and hold harmless SVP Insurance, its principals, officers, directors, agents, and employees from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

10. Governing Law

These terms shall be governed and construed in accordance with the laws of New York, United States, without regard to its conflict of law provisions.

11. Contact Us

For any questions about these Terms of Service, please contact us at:

• Email: valentine.nsofor@silvavirtus.com
• Address: SVP Insurance, 10 West 37th Street, 4th Floor, New York, NY 10018
• Phone: 646-300-3236