Kin Insurance terms of service

Terms of Service

Last modified: September 1, 2025

TERMS OF SERVICE
Kin Services
These terms of service (“Terms”) govern your access to and use of Kin Insurance, Inc.’s (collectively with its subsidiaries, successors, assignees, and affiliates, as set forth in more detail herein, these entities are referred to in these Terms as “Kin” “we”, “us”, or “our”) website located at www.kin.com (the “Website”) or any product or service made available through the Website (together with the Website, the “Services”).

Acceptance of Terms
These Terms affect your legal rights and obligations. Please read these Terms thoroughly and carefully. By using the Services, you agree to be bound by these Terms and by the Privacy Policy located on the Website (“Privacy Policy”). If you do not agree to these Terms or the Privacy Policy, then you may not access or use the Services.

All references to “you” or “your,” as applicable, mean the person who accesses, uses, and/or participates in the Services in any manner, and each of your heirs, assigns, and successors. If you use the Services on behalf of another individual, you represent and warrant that you have the authority to bind that individual, your acceptance of the Terms will be deemed an acceptance by that individual, and “you” and ”your” herein shall refer to you and that individual.

If you access the Services on behalf of a company, organization, or other entity, then (i) “You” includes you and that entity, and (ii) You represent and warrant that you are authorized to grant all permissions and licenses provided in these Terms and bind the entity to these Terms, and that you agree to these Terms on the entity’s behalf.

These Terms may not describe all of the terms, conditions, exclusions, and exceptions applicable to Kin’s Services. All insurance coverages are subject to the complete terms and conditions of the insurance policies issued.

Changes to These Terms
We may revise these Terms from time to time in our sole discretion, and the most current version will be posted on our Website. Modifications to the Terms will be effective upon the posting of the modification to the Website and will apply to causes of action arising after thereafter. If you do not agree to the new Terms, you must stop using the Services.

Account Information
If you choose, or are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information.

Intellectual Property Rights
All right, title, and interest in and to Services including worldwide intellectual property rights therein, are and will remain the exclusive property of Kin and its applicable licensors. Kin reserves all rights in and to the Services not expressly granted. Kin’s name and all related names, logos, product and service names, designs, and slogans are trademarks of Kin or its licensors.

Prohibited Uses
Unauthorized use of the Website and Services is expressly prohibited. You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to violate any applicable federal, state, local, or international law or regulation; not to impersonate or attempt to impersonate Kin, a Kin employee, another user or any other person or entity.

Third-Party Links
The Services may contain links to third-party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. If you access any third party’s website, service, or content from our Services, you do so at your own risk.

Open Source Software
Certain software code incorporated into or distributed with the Services may be licensed by third parties under various “open-source” or “public-source” software licenses (collectively, the “Open Source Software”).

Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that files available for downloading from the Website will be free of viruses or other destructive code. KIN HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

Limitation on Liability
IN NO EVENT WILL THE COLLECTIVE LIABILITY OF KIN, OR ITS LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, MANAGERS, OFFICERS, OR DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED $1,000.

Indemnification
You agree to defend, indemnify, and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, licensors, and/or successors and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses arising from your use of the Services.

Governing Law and Jurisdiction
All matters relating to the Website and these Terms shall be governed by the laws of the State of Illinois.

Claims
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Release
IN EXCHANGE FOR THE SERVICES PROVIDED BY US,...

Companies
Services are provided by Kin Insurance, Inc., a Delaware corporation, with a principal place of business at 222 W Merchandise Mart Plaza, Suite 910, Chicago, IL 60654, and its affiliates including the following:

Contact Us
Kin Insurance, Inc.
222 Merchandise Mart Plaza, Suite 910
Chicago, IL 60654
(855) 216-7674,
support@kin.com