Website Terms of Use

These Terms govern use of the Site. They do not govern, and are subordinate to, the agreements under which you actually receive coverage or services from us. If you enroll in the Velaris Protection Program, your relationship with Velaris Group, Inc. is governed by the Velaris Program Services Agreement; your insurance is governed by the applicable master policy or policy and the certificate or declarations issued to you; and, where your placement runs through a group policyholder, purchasing group, or association, your relationship with that entity is governed by its own agreement with you. In any conflict between these Terms and any of those documents, those documents control.

Nothing on the Site is an offer of insurance, a binder, a policy, or a certificate. Coverage exists only when a policy or certificate is actually issued, and its terms are those of the issued document, not of the Site.

The Site is intended for property managers, hospitality operators, property owners, and their authorized representatives, and for other businesses and professionals. You must be at least 18 years old and, if you use the Site on behalf of a business, you represent that you are authorized to bind that business to these Terms. The Site is not directed to children under 13, and we do not knowingly collect information from them.

The Site is intended for use in the United States. Insurance is placed only in states where the Agency holds the required license, and not all coverages, endorsements, or options are available in every state or for every property.

Velaris Group, Inc. operates the Site and the Velaris Protection Program, acts as program administrator and claims administrator, and provides the non-insurance program services described on the Site. Velaris Group, Inc. is not an insurance company, does not sell insurance, and does not decide coverage other than as an issuing carrier’s authorized claims administrator.

Velaris Insurance Agency, LLC is a licensed insurance agency and places the insurance described on the Site, on both an admitted and a non-admitted (surplus lines) basis as the applicable placement provides. It is not an insurer. All insurance and claims information on the Site is provided and approved by the Agency.

Non-insurance program services, including the chargeback receivables guarantee, refundable rates waiver support, retained layer and SIR administration, and bed bug remediation coordination, are services of Velaris Group, Inc. They are not insurance, are not underwritten by any insurer, are not placed by the Agency, and are not protected by any state insurance guaranty fund. They are provided only under the Program Services Agreement.

Group policyholders, associations, purchasing groups, and platform partners through which you may be enrolled are separate entities, are not affiliates of the Velaris Parties unless stated, and are identified to you before enrollment and on your certificate or policy.

Parts of the Site, including the member portal and claims portal, require an account. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You must give us accurate and complete information and keep it current. Notify us immediately at concierge@velarisinsurance.com of any unauthorized use. We may suspend or terminate accounts that violate these Terms or that we reasonably believe present a security or fraud risk.

Actions taken through the portal by a person using your credentials, including coverage elections, declarations, claim submissions, and payment authorizations, are attributed to you as provided in the Program Services Agreement and the applicable policy.

By using the Site or providing your contact information, you consent to receive communications from the Velaris Parties electronically, including notices, disclosures, statements, certificates, and policy documents, and you agree that electronic communications satisfy any legal requirement that such communications be in writing. You may withdraw this consent, request paper copies, or update your contact information as described in our Privacy Policy; withdrawal may affect our ability to provide the Site or the program to you. You agree that electronic signatures and click-through acceptances have the same effect as handwritten signatures. Where you provide a mobile number, you consent to receive service-related calls and text messages, including by automated means, at that number; message and data rates may apply, and you may opt out of text messages by replying STOP.

You agree not to: use the Site for any unlawful purpose or in violation of any applicable law; submit false, misleading, or fraudulent information, including in any application, election, declaration, or claim; access or attempt to access any account, system, or data you are not authorized to access; interfere with the operation or security of the Site; use any robot, scraper, or automated means to access the Site except as we expressly permit, including through documented integrations; reverse engineer, decompile, or copy any part of the Site or its software; upload malicious code; use the Site to send unsolicited communications; or misrepresent your identity or affiliation.

Submitting false information in connection with an application for insurance or a claim may be a crime under state law and may result in denial of coverage, cancellation, and referral to authorities. Any state-required fraud warning that appears on an application or claim form is incorporated by reference.

The Site and its contents, including text, graphics, logos, software, program designs, forms, and the Velaris name and marks, are owned by Velaris Group, Inc. or its licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for its intended purpose. You may download and print materials the Site makes available for that purpose, for your own business use, provided you keep all proprietary notices intact. No other rights are granted. Insurance policy forms may incorporate material licensed from third parties.

If you submit feedback, suggestions, or ideas about the Site or our services, you grant Velaris Group, Inc. a perpetual, irrevocable, royalty-free license to use them without restriction or compensation.

You retain ownership of content and data you upload to the Site (“User Content”), subject to the license and data provisions of the Program Services Agreement, which govern program data. You represent that you have the rights necessary to upload your User Content and that it does not violate law or the rights of others. Where you connect a property management system, booking channel, or other third-party service to the Site, you authorize the exchange of data between that service and the Site as described in the Program Services Agreement and our Privacy Policy, and you are responsible for your compliance with that service’s terms.

The Site may link to or integrate with third-party websites and services, including booking platforms, property management systems, payment processors, and pest control or other service professionals. We do not control and are not responsible for them, their content, or their practices. Your use of them is at your own risk and subject to their terms. A link or integration is not an endorsement, and a referral to a service professional is not a recommendation, warranty, or guarantee of that professional’s work.

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, THE VELARIS PARTIES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

Information on the Site is general and for informational purposes. It is not legal, tax, accounting, or insurance-coverage advice for your situation. Coverage descriptions, limits, sublimits, retentions, rates, and terms shown on the Site are illustrative and are subject to the terms of the master policy or policy and the certificate or declarations actually issued, which govern in the event of any difference. Coverage availability varies by state, and certain elections, declared events, and scheduled assets require underwriting approval before they apply.

Where insurance is placed on a surplus lines basis, it is placed with insurers that are not licensed in your state and are not subject to its supervision, and in the event of the insurer’s insolvency, losses are not paid by any state guaranty fund. Any state-specific surplus lines legend that applies to your placement appears on your certificate or policy.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE VELARIS PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE, ON ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY. THE VELARIS PARTIES’ TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).

This Section limits liability arising from use of the Site. It does not limit any obligation of an insurer under an issued policy or certificate, and it does not limit the liability of Velaris Group, Inc. under the Program Services Agreement, which is governed by that agreement’s own terms. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

You agree to defend, indemnify, and hold harmless the Velaris Parties from and against claims, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of your User Content, your use of the Site in violation of these Terms or applicable law, or your violation of the rights of a third party.

PLEASE READ CAREFULLY. Any dispute or claim relating to these Terms or the Site will be resolved by binding individual arbitration administered by JAMS under its applicable rules, governed by the Federal Arbitration Act, except that either party may bring qualifying claims in small-claims court or seek equitable relief for intellectual property misuse. YOU AND THE VELARIS PARTIES WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS OR COLLECTIVE PROCEEDING; only individual relief is available. Before initiating arbitration, a party shall give the other written notice describing the dispute and the parties shall attempt in good faith to resolve it for sixty (60) days. The seat of arbitration is Cobb County, Georgia. If twenty-five (25) or more demands raising similar claims are filed with the assistance of coordinated counsel, the arbitrations will be administered in batches under the JAMS mass-arbitration procedures. You may opt out of this Section by written notice to legal@velarisinsurance.com within thirty (30) days of first accepting these Terms.

If you are a party to the Program Services Agreement, disputes relating to the program are governed by that agreement’s dispute resolution provision, and this Section applies only to disputes relating solely to the Site. This Section does not apply to any dispute concerning the existence or scope of coverage under any insurance policy or certificate, which is governed by the applicable policy and applicable law.

These Terms are governed by the laws of the State of Delaware, consistent with the Federal Arbitration Act, without regard to conflicts-of-law principles. To the extent litigation is permitted, exclusive venue is the state or federal courts located in Cobb County, Georgia, and you consent to their jurisdiction. Nothing in this Section displaces the insurance law of the state that governs your policy or certificate.

We may modify or discontinue the Site or any part of it at any time. We may revise these Terms by posting a revised version with a new effective date; material changes will be noticed on the Site or by email to account holders. Your continued use after the effective date constitutes acceptance. Changes do not apply retroactively to disputes arising before the effective date.

These Terms, together with the Privacy Policy and any additional terms posted for specific features, are the entire agreement between you and Velaris Group, Inc. regarding the Site. If any provision is unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to an affiliate or successor. Sections 7, 10 through 14, and 16 survive termination. Notices to us go to Velaris Group, Inc., 1447 Peachtree Street NE, Suite 700, Atlanta, GA 30309, legal@velarisinsurance.com.

Licensing information for Velaris Insurance Agency, LLC, including the states in which it is licensed and its license numbers, is at velarisinsurance.com/licenses. The full program disclosures are at velarisinsurance.com/disclosures. Andrew Bate is the surplus lines broker of record for non-admitted placements. Velaris Group, Inc. is not a licensed insurance producer.

Contact: Velaris Group, Inc., 1447 Peachtree Street NE, Suite 700, Atlanta, GA 30309 | concierge@velarisinsurance.com | legal@velarisinsurance.com