Terms of Service

GELDO, Inc. (dba "GELDO") is incorporated in Delaware and headquartered in Baltimore, Maryland. This website ("site") is owned and maintained by GELDO. By accessing or using this site, you are a site "user" and you agree to be bound by these Terms of Service effective as of April 20, 2026.

All information provided on this website is for general informational purposes only and is intended solely to provide a high-level overview of GELDO, its business, and the products and services it may provide including GELDO's Business Owner Indemnity Insurance™ product.

The content on this website is not intended to constitute, and should not be construed as, insurance advice, legal advice, regulatory advice, underwriting guidance, or a recommendation to purchase, sell, or maintain any insurance product or coverage. Any reliance on information contained on this website is solely at your own risk.

The information on this website may not be current, complete, or applicable to your specific circumstances and may be changed, updated, or removed by GELDO at any time without notice.

Use of this website does not create, and shall not be construed as creating, any insurance producer, broker, agent, fiduciary, client, or insurer relationship between you and GELDO.

Nothing on this website constitutes, or should be construed as, an offer to sell, solicit, negotiate, place, bind, underwrite, or provide insurance coverage, nor does it constitute insurance advice, legal advice, or a recommendation regarding the purchase or suitability of any insurance product.

Business Owner Indemnity Insurance™ coverage and any insurance coverage described on this website is subject to underwriting approval, policy terms, conditions, limitations, and exclusions, and may only be obtained through authorized channels pursuant to separate written agreements. No coverage is bound or effective unless and until confirmed in writing by an authorized party in accordance with applicable law.

Use of this site may not be appropriate or lawful in all jurisdictions. GELDO operates only where licensed or permitted by law. Users are responsible for compliance with local laws. GELDO is licensed as an insurance managing general agent (MGA) in multiple U.S. states and holds commercial and excess & surplus lines producer and agency licenses in multiple U.S. states.

The website and its entire contents, features, and functionality, including but not limited to all information, text, graphics, logos, trademarks, service marks, designs, data compilations, software, and other materials (collectively, the “Content”), are owned by GELDO or its licensors and are protected by United States and international copyright, trademark, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Service permit you to use the website solely for your personal or internal business use, subject to these Terms. No right, title, or interest in or to the website or any Content is transferred to you, and all rights not expressly granted are reserved by GELDO.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, sell, license, or otherwise exploit any Content on the website without the prior written consent of GELDO, except as such use is incidental to normal website browsing.

You agree to use the website only for lawful purposes and in accordance with these Terms of Service. You agree not to use, access, or attempt to use the website in any way that could harm GELDO, its business, or other users.

Without limitation, you agree not to:

(a) Use the website in violation of any applicable federal, state, local, or international law or regulation, including insurance, securities, privacy, or intellectual property laws;

(b) Use the website in any manner that could be construed as soliciting, purchasing, binding, or placing insurance coverage, except through authorized and separately agreed channels;

(c) Impersonate or attempt to impersonate GELDO, a GELDO employee, agent, broker, partner, or any other person or entity, or misrepresent your affiliation with any person or entity;

(d) Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the website, or which may harm GELDO or expose it to liability;

(e) Attempt to gain unauthorized access to, interfere with, damage, or disrupt any portions of the website, the server on which the website is stored, or any server, computer, or database connected to the website;

(f) Introduce any viruses, malware, logic bombs, or other material that is malicious or technologically harmful;

(g) Use any manual process, robot, spider, crawler, scraper, or other automated means to access, monitor, copy, or collect any content or information from the website without GELDO’s prior written consent;

(h) Reproduce, duplicate, copy, modify, sell, resell, or exploit any portion of the website or its content for commercial purposes without GELDO’s express written permission;

(i) Use the website to transmit or submit false, misleading, defamatory, or fraudulent information;

(j) Otherwise attempt to interfere with the proper working of the website.

The website and all content, materials, and information made available through the website are provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, GELDO disclaims all warranties, express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, or availability. GELDO does not warrant that the website will be uninterrupted, error-free, secure, or free from viruses or other harmful components, nor does GELDO warrant that any content on the website is current or applicable to your particular circumstances.

To the fullest extent permitted by applicable law, in no event shall GELDO, its affiliates, or their respective officers, directors, employees, contractors, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation damages for loss of profits, loss of data, loss of use, or business interruption, arising out of or relating to your use of, or inability to use, the website or any content made available through the website, whether based on warranty, contract, tort (including negligence), or any other legal theory, even if GELDO has been advised of the possibility of such damages.

In no event shall GELDO’s total liability to you for any claim arising out of or relating to these Terms of Service or the website exceed one hundred dollars ($100) or, if greater, the amount paid by you, if any, to access the website.

Users of this site agree to defend, indemnify, and hold harmless GELDO, its affiliates, and their respective officers, directors, employees, contractors, and agents from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Service, your use of or access to the website, or your violation of any applicable law, regulation, or third-party right.

GELDO reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate fully with such defense.

GELDO maintains the right to modify the Terms of Service at any time. Updated terms are effective upon posting. Continued use constitutes acceptance.

These Terms of Service and any dispute, claim, or controversy arising out of or relating to these Terms or the use of this website shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflicts of law principles.

Any legal action or proceeding arising out of or relating to these Terms or the website shall be brought exclusively in the state or federal courts located within the State of Delaware, and each party hereby irrevocably submits to the personal jurisdiction and venue of such courts.

No waiver by GELDO of any term or condition set forth in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of GELDO to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If any provision of these Terms of Service is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be enforced to the fullest extent permitted by law, and the remaining provisions of these Terms shall remain in full force and effect.