1. Introduction
Welcome to Gangkhar Inc. (“we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website at www.gangkhar.com (the “Site”), our APIs, and other technology platforms (collectively, the “Services”).
By accessing or using our Site or Services, you agree to be bound by these Terms. If you do not agree, you may not use our Services.
2. About Us
Gangkhar Inc. is a Delaware corporation providing AI-native infrastructure for embedded insurance distribution.
We enable insurers, distributors, and technology partners to connect and deliver insurance products digitally.
We do not sell insurance products or provide services directly to consumers.
4. Intellectual Property
All content, technology, data models, software, and trademarks on the Site and within our Services are the exclusive property of Gangkhar Inc. or its licensors.
No rights or licenses are granted except as expressly provided in writing.
You may not use our trademarks, trade names, or other intellectual property without our prior written consent.
5. Confidentiality
If you access or receive confidential information (including APIs, product documentation, or business data), you agree to:
- Use such information only for the purpose authorized.
- Protect it with the same degree of care as your own confidential information (and at least a reasonable standard of care).
This obligation continues after your access to our Services ends.
6. No Consumer Services
Our infrastructure is intended solely for business use.
We do not interact directly with insurance customers or policyholders, and we do not provide consumer-facing services.
Any insurance product offered through our technology is under the control and responsibility of our business partners, who act as data controllers and contractual counterparties to end users.
7. Disclaimers
Our Site and Services are provided “as is” and “as available,” without warranties of any kind, express or implied.
We do not guarantee uninterrupted or error-free operation, nor the accuracy or completeness of any information provided.
To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
8. Limitation of Liability
To the maximum extent permitted by law:
- We shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including lost profits or business interruption, arising out of or in connection with your use of our Services.
- Our total liability for any claim under these Terms shall not exceed the amount (if any) paid by you for access to the Services during the 12 months preceding the event giving rise to the claim.
9. Third-Party Links and Services
Our Site may include links to third-party websites or services. We are not responsible for their content, policies, or practices.
Your interactions with third parties are solely between you and the third party.
10. Compliance and Export Controls
You agree to comply with all applicable laws, including data protection, anti-bribery, and export control regulations, when using our Services.
11. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.
Any dispute arising from or related to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, and you consent to such jurisdiction and venue.
12. Changes to These Terms
We may update these Terms periodically to reflect changes in our operations or applicable laws.
The updated version will be posted on this page with the revised effective date.
Continued use of our Services after such updates constitutes your acceptance of the new Terms.
13. Contact Us
If you have questions about these Terms, please contact us at:
Gangkhar Inc.Attn: Legal DepartmentEmail: legal@gangkhar.comAddress: 8 The Green, Suite A, Dover, Delaware 19901, USA