Terms of Service

1. ACCEPTANCE OF TERMS

By accessing or using this website, including any marketplace, form submission, payment portal, or brokerage service, you agree to be legally bound by these Terms of Service.

If you do not agree, you must discontinue use of this website immediately.

2. NATURE OF SERVICES

SAMKARA BROKERAGE INC provides:

• Insurance brokerage services
• Assistance with TLC and DMV-related matters
• Informational resources
• Online payment functionality
• A public community marketplace

We act strictly as an insurance broker and platform provider.

We are not an insurer, regulatory agency, financial institution, legal advisor, or marketplace intermediary.

3. NO GUARANTEE OF RESULTS

Use of this website does not guarantee:

• Insurance approval
• Policy issuance
• Policy renewal
• TLC approval
• DMV approval
• License reinstatement

All insurance coverage is subject to underwriting by carriers.

All regulatory decisions are made solely by the respective government agencies.

5. USER RESPONSIBILITIES

By using this website, you agree:

• To provide accurate information
• Not to misrepresent facts
• Not to post unlawful content
• Not to violate TLC, DMV, or insurance regulations
• To comply with all applicable laws

You are responsible for any damages caused by false information.

6. ONLINE PAYMENTS

Payments made through our website:

• Are processed by third-party providers
• May be subject to processing delays
• Are not considered binding coverage until confirmed

Returned or declined payments may result in:

• Cancellation
• Additional fees
• Regulatory consequences

We are not responsible for payment processor failures.

7. ELECTRONIC COMMUNICATIONS

By using this website, you consent to:

• Electronic delivery of documents
• Email communication
• Electronic signatures

Electronic signatures shall have the same legal effect as handwritten signatures.

8. LIMITATION OF LIABILITY

To the fullest extent permitted by law, SAMKARA BROKERAGE INC shall not be liable for:

• Losses arising from marketplace transactions
• Insurance underwriting decisions
• Regulatory delays
• Indirect or consequential damages
• Website outages
• Cyber incidents beyond reasonable control

Our total liability shall not exceed the amount paid directly to us for services rendered.

9. INDEMNIFICATION

You agree to indemnify and hold harmless SAMKARA BROKERAGE INC and its owners, employees, and affiliates from claims arising out of:

• Your misuse of the website
• Marketplace activity
• False statements
• Regulatory non-compliance

10. INTELLECTUAL PROPERTY

All website content, branding, logos, and materials are the property of SAMKARA BROKERAGE INC and may not be copied or reproduced without permission.

11. TERMINATION OF ACCESS

We reserve the right to suspend or terminate access to the website or marketplace at any time, without notice, for violations of these Terms.

12. GOVERNING LAW

These Terms shall be governed by the laws of the State of New York.

Any disputes shall be resolved exclusively in the courts located in Queens County, New York.

13. MODIFICATIONS

We reserve the right to update these Terms at any time. Continued use of the website constitutes acceptance of the revised Terms.