Terms of Service

Hotspot Cover DAC is an insurance and risk solutions provider specialising in travel, security, and insurance solutions for individuals and organisations operating in high-risk and complex environments.

The Website is provided for information, enquiry, and referral purposes only and does not constitute an offer to insure.

You agree to use the Website only for lawful purposes and in accordance with these Terms. You must not:

• Use the Website in any way that breaches applicable laws or regulations
• Attempt to gain unauthorised access to the Website, servers, or systems
• Introduce viruses, malware, or other harmful material
• Use the Website to transmit misleading, fraudulent, or unlawful information

We reserve the right to suspend or terminate access to the Website at any time if we believe these Terms have been breached.

Information on this Website is provided for general information purposes only and does not constitute:

• Insurance advice
• A recommendation
• A binding quote
• An offer or acceptance of insurance

Insurance cover is subject to underwriting, terms, conditions, exclusions, and insurer approval. Any insurance product discussed will only be provided following a formal quotation and acceptance process.

Where the Website allows you to submit enquiries or quote requests:

• Submission does not guarantee availability of cover
• All information must be accurate and complete
• We may refer your enquiry to insurers, underwriters, or partners
• Any quote provided is indicative unless confirmed in writing

We reserve the right to decline enquiries at our discretion.

The Website may include links to third-party websites or services. These are provided for convenience only.

We do not control and are not responsible for the content, availability, or practices of third-party sites. Use of third-party websites is at your own risk and subject to their terms.

All content on the Website, including text, logos, branding, graphics, and design, is owned by or licensed to Hotspot Cover and is protected by intellectual property laws.

You may view and print content for personal or internal business use only. You must not copy, reproduce, distribute, or exploit Website content without prior written consent.

To the fullest extent permitted by law:

• We exclude all warranties relating to the Website
• We are not liable for any loss arising from reliance on Website content
• We are not liable for indirect, consequential, or economic loss

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

We do not guarantee that the Website will be available at all times or free from errors. We may update, modify, suspend, or withdraw the Website without notice.

We may also update these Terms from time to time. Continued use of the Website constitutes acceptance of the updated Terms.