Welcome to www.novainsurancecompany.com, the website of Nova Insurance Company SPC (“Nova,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website and the submission of information through our Start Here page. By accessing or using our website, you agree to these Terms. If you do not agree, please do not use the site.

1. Use of the Website

This website provides information about Nova’s insurance and risk management services, including our Rent-A-Captive facility for global policyholders. You may use the site for lawful purposes only. You agree not to:  

• Use the site in a way that violates any applicable laws or regulations.  
• Attempt to gain unauthorized access to our systems or data.  
• Use the site to transmit harmful code, malware, or other destructive content.

2. Submission of Client Data

Our Apply and Starr Here page allows you to submit information (e.g., name, email, company details) to inquire about our services. By submitting data:  

• You represent that the information is accurate and that you have the authority to provide it.  
• You grant Nova permission to use the information to respond to your inquiry and explore potential business relationships, as outlined in our Privacy Notice (#).  
• You agree to provide only the data necessary for your inquiry and not to submit sensitive personal information (e.g., health data) unless explicitly requested.

3. Intellectual Property

All content on this website, including text, graphics, and logos, is the property of Nova Insurance Company SPC or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.

4. Disclaimer of Warranties

The website is provided “as is” and “as available.” Nova makes no warranties, express or implied, regarding the accuracy, completeness, or availability of the site or its content. We do not guarantee that the site will be uninterrupted, error-free, or free of viruses.

5. Limitation of Liability

To the fullest extent permitted by law, Nova shall not be liable for any indirect, incidental, or consequential damages arising from your use of the website, including but not limited to loss of data, profits, or business opportunities. Our total liability for any claim arising from these Terms shall not exceed $100.

6. Indemnification

You agree to indemnify and hold Nova harmless from any claims, losses, or damages (including legal fees) arising from your use of the website, your submission of data, or your violation of these Terms.

7. Governing Law

These Terms are governed by the laws of the Cayman Islands. Any disputes arising from these Terms shall be resolved in the courts of the Cayman Islands.

8. Changes to These Terms

We may update these Terms from time to time. Changes will be posted here with a revised “Last Updated” date. Your continued use of the site after changes constitutes acceptance of the updated Terms.

9. Contact Us

For questions about these Terms, please contact us:  Email: info@novainsurancecompany.com