These Terms of Service (“Terms”) govern your access to and use of the application and website (collectively, the “App”) (“Services”) provided by Lemonade Inc. and its subsidiaries Lemonade, Ltd., an Israel corporation, Lemonade Insurance Agency, LLC, a New York limited liability company and Lemonade Life Insurance Agency, LLC, a Delaware limited liability company (collectively with Lemonade, Inc., “Lemonade,” “we,” “us,” or “our”), so please read these Terms carefully before using the Services.

References to “you” in these Terms means you, your duly authorized representatives and any entity you may represent in connection with your use of the Services. Any reference made in these Terms to “Lemonade” shall be deemed to have been made to Lemonade, Inc., its successors, assignees, and US subsidiaries and affiliates, as well as any company that controls Lemonade, directly or indirectly, and any other subsidiary of that controlling company. Lemonade’s family includes, without limitation, Lemonade Insurance Agency, LLC, a New York resident insurance agency, licensed and appointed to represent Lemonade Insurance Company in each state in which Lemonade insurance is sold.

Not all of the products or services described on the App are available in all areas of the United States and you may not be eligible for them. We reserve the right to determine eligibility. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, which incorporates the Privacy Policy by reference please do not access or otherwise use our Services or any information contained here in.

We reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective upon the posting of the modification to our App, and will apply to causes of action arising after the effective date of the change. You should continue to check the App for changes. Your continued use of our App or otherwise the Services following the posting of changes to these Terms will mean that you accept those changes. By accessing or using our Services, you confirm that: (i) you can form a binding contract with us; and (ii) you are over the age of 18 as the Services are not intended for children under 18. If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user’s account and/or access to the Services. …