Terms & Conditions

1. Use of Our Website

By using this Website, you confirm that:

• You are at least 18 years old
• You will provide accurate information
• You will use our service only for legal and legitimate purposes
• You agree not to misuse or attempt to manipulate our system

We reserve the right to refuse service to anyone for any reason at any time.

2. Description of Services

SecureMyJourney provides services related to travel insurance products, travel protection plans, information, comparisons, and guidance for travel safety, plus support in purchasing insurance policies from third-party providers.

We are not an insurance company. We act as an intermediary between you and the insurance provider. All insurance policies purchased through the Website are subject to the terms, conditions, and coverage limits defined by the insurer.

3. Third-Party Insurance Providers

Policies offered on our Website are issued by licensed insurance companies (“Providers”).

• The Provider determines policy coverage, benefits, claims, and decisions.
• We are not responsible for approval or rejection of claims.
• Refunds or cancellations for policies are subject to the Provider’s rules.

We do not control the Provider's decisions, processes, or timelines.

4. User Responsibilities

You agree to:

• Provide accurate traveler information
• Review policy details before purchase
• Understand the exclusions, coverage limits, and waiting periods
• Contact the insurer directly to file claims

Any incorrect information submitted may result in denial of coverage.

5. Pricing and Payments

• Prices displayed on our Website are based on information from the insurance provider.
• We reserve the right to modify pricing without prior notice.
• Payments must be made using approved payment methods.
• By making a payment, you agree to the policy terms displayed at checkout.

SecureMyJourney is not responsible for bank charges, currency conversion fees, or payment gateway issues.

6. Refund & Cancellation Policy

Refunds and cancellations are governed by the insurance Provider’s rules. In general, refunds may be allowed during the free look period (if applicable), if no claim has been filed, and if the policy start date has not passed.

A full Refund Policy is available separately on our Website. SecureMyJourney cannot override Provider refund rules.

7. No Guarantee or Warranty

We do not guarantee that a policy will cover all your needs, an insurance claim will be approved, the Website will be available at all times, or that information is always error-free or updated.

All policy information is provided “as is” and may change based on insurer updates.

8. Limitation of Liability

To the fullest extent permitted by law, SecureMyJourney is not liable for visa denial, travel disruption, claim rejection, financial loss, injury, technical failures, or any loss resulting from inaccurate information you provide. You use the Website and services at your own risk.

9. Intellectual Property

All content on this Website—including text, graphics, logos, images, and layout—is owned by or licensed to SecureMyJourney. Users may not copy, reproduce, or distribute content, use trademarks without permission, or reverse engineer the Website. Unauthorized use may result in legal action.

10. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your information. By using our site, you consent to our data practices.

11. Prohibited Activities

You agree NOT to:

• Use the Website for fraudulent or illegal purposes
• Impersonate another person or entity
• Upload harmful or malicious content
• Attempt to hack or disrupt the Website
• Misuse our services or misrepresent our documents

Any violation may result in suspension of access and legal action.

12. Modifications to Terms

SecureMyJourney reserves the right to update or modify these Terms at any time. Changes are effective immediately once posted. Continued use of the Website constitutes acceptance of revised Terms.