1) Website Purpose

The Website provides educational and informational content about insurance and finance. We aim to explain concepts in simple language for a global audience. The Website is not an insurance company, broker, or financial services provider.

Please read our Disclaimer for important details about how content should be used.

2) No Professional Advice

All information on this Website is for general education only. Nothing on the Website should be considered financial, legal, tax, or insurance advice. You are responsible for verifying information using official sources and professional guidance where needed.

3) Acceptable Use

You agree to use the Website lawfully and respectfully. You must not use the Website in a way that could damage, disable, or disrupt the Website or interfere with other users.

Prohibited activities include:

• Attempting to hack, scan, or gain unauthorized access to the Website, server, or databases.
• Posting or sending spam, abusive messages, or harmful content through forms or comments.
• Copying or scraping large portions of content for republishing without permission.
• Using the Website to promote illegal activity, fraud, or misleading claims.
• Uploading malware, viruses, or malicious code.

4) Intellectual Property

Unless stated otherwise, the Website content (articles, text, graphics, and design) is owned by Kehost Team or used with permission. You may:

• Read and share links to our pages.
• Quote small portions of text with clear credit and a link back to the original page.

You may not republish full articles or reproduce content at scale without written permission.

5) User Submissions

If you submit a message through our contact form or leave a comment (where enabled), you agree that:

• You will not submit illegal, abusive, or misleading content.
• You will not submit personal data you do not have permission to share.
• We may remove content that violates these Terms of Use or harms the Website community.

6) External Links

The Website may include links to third-party websites for reference. We do not control third-party sites and are not responsible for their content, services, or privacy practices. You use external sites at your own risk.

For general guidance on online safety, you may also review Google’s security resources here:
Google Safety Center.

7) Advertising

We may display advertisements to support the Website. Advertising partners may use cookies or similar technologies to show relevant ads and measure performance. See our Privacy Policy for how data may be collected and used.

8) Availability and Changes

We may update, change, suspend, or discontinue any part of the Website at any time without notice. We do not guarantee that the Website will always be available or error-free.

9) Limitation of Liability

To the maximum extent permitted by applicable law, Kehost Team will not be liable for any loss or damage arising from your use of the Website, including reliance on information published here. This includes direct, indirect, incidental, or consequential damages.

By using the Website, you accept that you are responsible for your decisions and for verifying information using official sources.

10) Governing Principles

These Terms of Use are intended to be enforced to the fullest extent permitted by applicable law. If any part of these Terms is found invalid, the remaining parts will continue in effect.

11) Updates to These Terms of Use

We may update these Terms of Use when needed. Changes will be posted on this page with an updated “Last updated” date. Your continued use of the Website after changes means you accept the updated terms.

12) Contact

If you have questions about these Terms of Use, please contact us through our Contact page.