Welcome to Fate Runner Insurance (`Fate Runner,` `we,` `our,` or `us`). By using our website, mobile app, or services, you agree to the following Terms of Service (`Terms`). Please read them carefully.1. Acceptance of Terms By accessing or using our services, you confirm that you have read, understood, and agreed to these Terms. If you do not agree to these Terms, you must not use our services. 2. Eligibility To use Fate Runner’s services, you must: Be at least 18 years old. Provide accurate, truthful, and complete information when creating an account or purchasing a policy. Comply with all applicable laws and regulations. 3. Services Provided Fate Runner specializes in RV insurance and related services, including coverage options for RV owners and renters. The scope of coverage is governed by the terms outlined in your policy documents. 4. User Responsibilities When using our services, you agree to: Keep your account information secure and confidential. Promptly update your personal and policy information if changes occur (e.g., address, vehicle details, or contact information). Use our services only for lawful purposes and not for fraudulent or malicious activities. 5. Insurance Policies All insurance policies provided by Fate Runner are subject to the specific terms and conditions outlined in your individual policy documents. It is your responsibility to review your policy details to ensure they meet your needs. Fate Runner reserves the right to deny coverage or claims for reasons outlined in the policy exclusions. 6. Payment and Billing Premium payments must be made on time to maintain active coverage. Accepted payment methods include credit/debit cards, ACH transfers, or other methods available on our platform. Failure to make timely payments may result in policy cancellation. 7. Claims Filing a claim requires prompt notification and submission of accurate documentation, as outlined in your policy documents. Fate Runner reserves the right to investigate claims and deny coverage if terms or conditions are violated. 8. Cancellations and Refunds You may cancel your policy at any time by contacting customer support or through your online account. Refunds for cancellations will be processed in accordance with the terms specified in your policy. 9. Privacy Policy Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. 10. Intellectual Property All content on our website and mobile app, including text, graphics, logos, and software, is the property of Fate Runner and protected by intellectual property laws. You may not reproduce, distribute, or use any content without our prior written consent. 11. Limitation of Liability Fate Runner is not liable for any indirect, incidental, or consequential damages resulting from your use of our services. Our liability is limited to the amount paid by you for the services in question. 12. Modifications to Terms We reserve the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting. Continued use of our services after changes indicates your acceptance of the revised Terms. 13. Governing Law These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. 14. Dispute Resolution Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. By agreeing to these Terms, you waive your right to a jury trial or to participate in a class-action lawsuit. 15. Contact Us If you have questions about these Terms, please contact us: Email:legal@faterunner.com Phone: (818)657-7335 Mailing Address: 6285 E Spring St #308 Long Beach,CA 90808 By using Fate Runner’s services, you acknowledge that you have read and agreed to these Terms of Service. Thank you for choosing Fate Runner Insurance!