Terms of Use

We cannot guarantee the availability of our site since many factors beyond our control may
affect your ability to access the site. Sypher products and services are available only in those
jurisdictions where Sypher is authorized by law to promote or sell them.

Sypher, Inc. and its affiliated entities, including Sypher Insurance Exchange and Sypher Risk
Management, LLC (collectively, "Sypher," "we," "our," or "us"), are Florida-based insurance
entities with their principal place of business at 3617 Henderson Blvd., Suite 2, Tampa, FL
33609.

This document outlines the Terms and Conditions relating to your use of getsypher.com (the
"Site"). By using getsypher.com in any manner and regardless of how you access it, you agree
to all terms and conditions contained or referenced in these Terms of Use.

These Terms of Use apply only to your use of getsypher.com and do not change or alter any
other agreement or contract between you and Sypher or any of its affiliates or insurance
companies it represents.

Sypher reserves the right, in its sole discretion, to modify or change these Terms of Use at any
time without prior notice to you. Your continued use of getsypher.com constitutes acceptance of
those changes. If you choose not to accept these Terms of Use, please do not use this website or
send email to any Sypher email address.

Our Privacy Policy describes our use and protection of nonpublic personal information and
explains how Sypher collects, uses, discloses, and safeguards your information when you visit
our website or use our insurance services, including information about cookies and tracking
technologies. We encourage you to read our Privacy Policy, available at www.getsypher.com. By
using this Site, you acknowledge that you have read and understood the practices described in
our Privacy Policy.

The Sypher computer network and this website are the private property of Sypher, Inc. The
information on this website, including but not limited to text, graphics, software, audio, video,
and files, is the property of Sypher and is protected under United States and worldwide
copyright laws and treaty provisions. Please contact Sypher to seek permission to copy such
materials or for any other use.

The Sypher name, logo, and all associated graphics and branding elements are the intellectual
property of Sypher, Inc. and may be federally registered trademarks and/or service marks.
Unauthorized use of any Sypher trademark or branding is strictly prohibited.

The internet is not completely secure. We have taken reasonable steps to secure your
information, though Sypher cannot prevent interception of your information.

Certain areas of this website, including any policyholder portal or claims filing tools, may require
account credentials to access. You are responsible for maintaining the security and
confidentiality of your username and password. Sypher will never ask you for your password. If
you believe your credentials have been compromised, change them immediately and contact us
at info@getsypher.com or 888.391.0264.

Sypher may offer online services through this website, including a policyholder portal and claims
filing tools. Access to these features may require registration and is subject to additional terms
presented at the time of enrollment.

Coverage cannot be bound, altered, or changed via this website or email. Coverage is not in
effect until confirmed by a licensed Sypher agent or representative.

Some parts of this website may require authorization for access. Unauthorized access to these
areas is prohibited and may result in criminal and civil prosecution. We may view, monitor, and
record any attempts to access unauthorized areas and may provide such information to law
enforcement personnel as necessary.

You may not use this Site to engage in any illegal activity. Sypher prohibits use of email or this
website for any purpose that is intended to, or appears to, harass, libel, humiliate, embarrass,
threaten, or defame any person, or that is discriminatory, pornographic, indecent, or offensive
on the basis of sex, color, national origin, race, age, religion, sexual orientation, disability, or any
other protected classification. You may not use this Site in any activity that infringes on a third
party's intellectual property or other proprietary rights.

Sypher prohibits bulk emails sent to Sypher email addresses. "Bulk" means a message or group
of messages sent to more than 10 different Sypher email addresses within any 24-hour period.
This prohibition includes, but is not limited to:

• Solicitations for funds or donations

• Political or religious messages

• Informational announcements not requested by Sypher

• Commercial advertising

Sypher prohibits the harvesting or collection of email addresses of Sypher employees, agents, or
representatives from this website for bulk communication purposes.

Sypher reserves the right to take all legal actions available, including civil and criminal
prosecution, to prevent violation of these Terms. No failure by Sypher to enforce these Terms in
every instance shall be construed as a waiver of any rights by Sypher.

Any coverage descriptions provided on this Site are general descriptions only and do not form
part of your insurance policy. To obtain coverage, you must submit an application through a
licensed Sypher agent or representative, which is subject to underwriting approval.

All insurance products offered through this Site are subject to availability, individual
qualifications, and applicable Florida law. Nothing on this website shall be construed as a
binding offer of coverage or as an advertisement in any jurisdiction where Sypher is not licensed
to sell insurance. Insurance product terms, conditions, and exclusions not described on this
website also apply. Please refer to your individual policy documents for specific terms and
conditions of coverage.

Sypher may provide links to third-party internet websites, including mortgage lenders,
contractors, government portals, and other resources. Sypher does not sponsor or endorse
these external sites or their content, and such sites are not affiliated with Sypher in any way.
Sypher is not responsible for the content, accuracy, or privacy practices of any linked site.

We encourage you to review the privacy policies and terms of use of every website you visit, as
they may differ from Sypher's.

Sypher may change the programs or products on this website at any time without prior notice.
Sypher is under no obligation to maintain the website, provide or update content, or otherwise
support any link to this website.

This website is provided on an "as is" basis. Sypher makes no representations or warranties
regarding this website or any information, services, materials, software, calculators, or other
items or operations on this Site. Sypher disclaims all warranties, express or implied, including,
but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Sypher disclaims liability, whether based in contract, tort, strict liability, or otherwise, for
damages of any kind (including, but not limited to, direct, indirect, incidental, consequential,
special, punitive, or exemplary damages) arising in any way, directly or indirectly, out of the use
or performance of information, services, materials, software, calculators, or other items on this
website, even if Sypher is expressly advised of the possibility of such damages.

This website and these Terms of Use shall be governed by and interpreted in accordance with
the laws of the State of Florida, without regard to any conflict of laws provisions. Any legal
action or proceeding relating to your use of this website shall be brought exclusively in a court
of competent jurisdiction located in Hillsborough County, Florida.

If any provision of these Terms of Use is held invalid, void, or unenforceable, that provision will
be considered severable from the remaining provisions, and the remaining provisions shall
remain in full force and effect.

If you have questions, concerns, complaints, or copyright infringement claims regarding this
website or these Terms of Use, please reach out to us using the information below.

• Website: www.getsypher.com

• Email: info@getsypher.com

• Phone: 888-391-0264

• Mail: 3617 Henderson Blvd., Suite 2 Tampa, FL 33609