Effective Date: March 6, 2019

You have arrived at [www.airmodo.com] (the “Site”), which is owned and operated by United States
Aviation Underwriters, Inc. (“USAU”). Throughout these
Terms, the words “we,” “us,” and “our” refer to USAU and its affiliates, and the words “ you” and “your” refer to the user
visiting the Website and your institution or organization. These Terms of
Use (“Terms”) govern your use of any website or
application that posts a link to these Terms (including both mobile and
online versions). It also applies to your use of all features, widgets,
plug-ins, content, downloads and/or other services that (i) we own and
control and make available through the Site, and/or (ii) that post or link
to these Terms (collectively with the Site, the “Service ”), regardless of how you access or use it, whether via computer, mobile
device or otherwise. These Terms set forth the legally binding terms for
your use of the Service and apply to information that we collect through
the Service and our handling of such information. By accessing or using the
Service in any manner you signify your agreement to: (i) these Terms; (ii)
the USAU Privacy Policy; and
(iii) any other legal notices, conditions or guidelines located within the
Service. If you do not agree to any of these Terms or the Privacy Policy,
please exit now and do not use the Service.

Important Legal Information about Privacy

The terms and conditions of the Privacy Policy apply to your use of the Service, form an integral part of your agreement
with us, and are incorporated by reference into these Terms. You should
read the Privacy Policy carefully before you use this Service because by
doing so you are agreeing to everything in these Terms, including the terms
contained in our Privacy Policy.

Security and Communications

You should be aware that the Internet is not secure. If you choose to send
any electronic communications by means of the Service, you do so at your
own risk, and in doing so you consent to receive communications from us
electronically. USAU does not guarantee that electronic communications
will not be intercepted or changed or that they will reach the intended
recipient securely. Further, please note that we are not obligated to
respond to inquiries that we receive. You agree that all agreements,
notices, disclosures, and other communications that we provide to you
electronically satisfy any legal requirement that such communications be
in writing.

Intellectual Property Rights

The content on the Service, including without limitation, the material
descriptions, graphics, photos, products, services and the like (“ Site Content”) and the trademarks, service marks and logos
contained herein, including USAIG, UNITED STATES AVIATION UNDERWRITERS,
INC. and Design^®, and UNITED STATES AIRCRAFT INSURANCE GROUP ^® (collectively, the “Marks”), are owned by or
licensed to USAU, subject to trademark, copyright and other intellectual
property rights under United States and foreign laws and international
conventions. You in no way will obtain any ownership interest or rights in
the Site Content or Marks contained on the Service. Site Content is
provided to you “AS IS” for your information and personal
or educational use only and may not be reproduced, distributed,
transmitted, broadcast, displayed, sold, licensed, or otherwise exploited
for any other purposes whatsoever without the prior written consent of the
respective owners. USAU reserves all rights not expressly granted in and to
the Site Content. If you download or print a copy of the Site Content for
personal or educational use you must include on the copy all copyright and
other proprietary notices contained in the original Site Content. You agree
not to circumvent, disable or otherwise interfere with any security-related
features of the Service or features that prevent or restrict use or copying
of any Site Content or enforce limitations on use of the Service or the
Site Content.

The selection, arrangement and design of the entire contents of this
Internet site, as well as the original Site Content herein, are the
property of USAU.

Restrictions on Conduct

You agree not to disrupt, modify or interfere with the functioning of the
Service or any services provided on or through it. You further agree not to
disrupt, modify or interfere with in any way any software, hardware or
servers associated with the Service, and you agree not to impede or
interfere with others’ use of the Service. You also agree not to alter or
tamper with any Site Content, information or materials on, or associated
with, the Service or services provided on or through it.

Additionally, you agree that you will not directly or indirectly,
including, but not limited to, by manual or automated software, devices or
other processes for “crawling” or “scraping” the Service, circumvent,
disable or otherwise interfere with any security-related features of the
Service, including security-related features that enforce limitations on
use of the Service.

Furthermore, you agree you will not (directly or indirectly) use the
Service (i) in connection with any commercial activities and/or sales,
including without limitation advertising, contests or sweepstakes (without
our consent) or pyramid schemes (ii) to promote information that you know
is false or misleading or to promote or engage in illegal activities or
conduct that is abusive, threatening, obscene, defamatory or libelous,
(iii) to engage in or promote any criminal activity or enterprise,
including without limitation, harassment, stalking, copyright infringement,
trademark infringement, or theft of trade secrets, (iv) to solicit
personally identifying information for commercial or unlawful purposes, (v)
to advertise to, solicit, or sell to any person without their prior
explicit consent, (vi) to harvest or collect data, Site Content, [Personal
Information] (as defined in the Privacy Policy) of users; or (vii) to use
or launch any automated system, including without limitation, “robots,” or
“spiders,” that accesses the Service in a manner that sends more request
messages to our servers in a given period of time than humanly possible in
the same period by using a web browser.

Service Access

The Service is for the benefit of USAU and its customers. In order to
access some features of the Service, you may need to be a broker and create
a registered broker account with a login and password. You may never use
another member’s account or share your account and password with any other
user or entity. When creating your account, you agree that you will
provide current, complete and accurate information, and you agree that you
will update your account information as necessary to keep it current,
complete and accurate. You are solely responsible for the activity that
occurs on your account, and you are responsible for keeping your account
password secure. You must notify USAU immediately of any breach of
security or unauthorized use of your account by contacting us at contact@airmodo.com]. Although
USAU will not be liable for your losses caused by any unauthorized use of
your account, you may be liable for the losses incurred by USAU or others
due to such unauthorized use.

Disclaimer, Limitation of Liability, and Indemnification

The materials, Site Content and services offered on the Service are
provided “AS IS” and without warranties of any kind. To the fullest
extent permissible pursuant to applicable law, we disclaim all
warranties, express or implied, including, but not limited to, implied
warranties of non-infringement, merchantability and fitness for a
particular purpose. We do not warrant that the use of the Service will
be uninterrupted or error-free, that defects will be corrected, or that
the Service or the server(s) that make it available or any advertised
or hyperlinked site are free of viruses or other harmful components or
that the Service, server(s), or advertised or hyperlinked sites will be
accessible at all times. We do not warrant or make any representations
regarding the use of the Service or any information contained therein,
including Site Content, with respect to correctness, accuracy,
reliability, graphics, links or otherwise. You assume the entire cost
of all necessary servicing, repair or correction to any equipment you
use to access the Service. To the extent that applicable law may not
allow the exclusion of implied warranties, the above exclusions may not
apply to you.

Documents, information, graphics and other materials appearing at the
Service may include technical inaccuracies, miscalculations, typographical
errors, and out-of-date information. Use of such documents, information,
graphics or other materials is at your own risk.

You waive any and all claims and rights against us and our affiliates,
parents, and successors and each of our employees, assignees, officers,
agents and directors (the “USAU Parties”) resulting from injury or
damage to, or destruction, theft, or loss of, any property, or person,
to the maximum extent permitted by applicable law. None of the USAU
Parties will be liable to you under any cause of action, for any
direct, indirect, special, incidental, consequential, reliance or
punitive damages, including loss of profits or business interruption.
You hereby agree to indemnify the USAU Parties from and against any and
all claims, liabilities, and expenses (including reasonable attorneys’
fees), resulting from your use of the Service or any breach of these
Terms by you .

If you are a consumer, the provisions in these Terms are intended to be
only as broad and inclusive as is permitted by the laws of your state of
residence. Certain states, like New Jersey, have heightened consumer
protection laws that may make certain terms within these Terms
inapplicable to you. Specifically, if you are a New Jersey consumer,
certain terms do not limit or waive your rights as a consumer under New
Jersey law and the provisions in these Terms are intended to be only as
broad and inclusive as is permitted by the laws of the State of New
Jersey. No provision of these Terms shall limit or waive your rights as a
consumer under the law of your state of residence. In any event, USAU
reserves all rights, defenses and permissible limitations under the law of
your state of residence.

Links to Other Services and Services

To the extent that this Service contains links to other websites and
outside services and resources, we do not control the availability and
content of those websites, services or resources, nor do we necessarily
review or endorse materials available at or through such other websites.
Viewing other websites or utilizing outside services and resources is done
at your own risk. Accordingly, we encourage you to be aware when you leave
this Service and to read the terms and conditions and privacy policy of
each third-party website that you visit. We shall not be liable for any
loss or damage caused or alleged to be caused by or in connection with use
of or reliance on any such content, goods or services available on or
through any such website or resource.

Terms Applicable if Accessing Services through an Android Device

If you are accessing or using the Service through an Android device, you
acknowledge that Google Inc.’s Terms of Service (see: https://www.google.com/intl/en/policies/terms/ ) are incorporated herein by reference, and you agree to be bound thereto.

Terms Applicable if Accessing Services through Apple iOS

If you are accessing or using the Service through an Apple device, the
following applicable additional terms and conditions are applicable to you
and are incorporated into the Terms by reference:

(i) To the extent that you are accessing the Service through an Apple
device, you acknowledge that these Terms are entered into between you and
USAU, that Apple, Inc. (“Apple”) is not a party tothese
Terms other than as third-party beneficiary as contemplated below.

(ii) The license granted to you under these Terms is subject to the
permitted Usage Rules set forth in the App Store Terms of Service (see: http://www.apple.com/legal/itunes/us/terms.html ) and any third-party terms of agreement applicable to the Service.

(iii) You acknowledge that USAU, and not Apple, is responsible for
providing the Service and Site Content thereof.

(iv) You acknowledge that Apple has no obligation whatsoever to furnish
any maintenance or any support services to you with respect to the
Service.

(v) To the maximum extent permitted by applicable law, Apple will have no
other warranty obligation whatsoever with respect to the Service.

(vi) Notwithstanding anything to the contrary herein, and subject to the
terms in these Terms, you acknowledge that, solely as between Apple and
USAU, USAU and not Apple is responsible for addressing any claims you may
have relating to the Service, or your possession and/or use thereof,
including, but not limited, to: (i) product liability claims, (ii) any
claim that the Service fails to confirm to any applicable legal or
regulatory requirement; and (iii) claims arising under consumer protection
or similar legislation.

(vii) Further, you agree that if the Service, or your possession and use
of the Service, infringes on a third-party’s intellectual property rights,
you will not hold Apple responsible for the investigation, defense,
settlement and discharge of any such intellectual property infringement
claims.

(viii) You acknowledge and agree that Apple, and Apple’s subsidiaries,
are third-party beneficiaries of these Terms, and that, upon your
acceptance of these Terms, Apple will have the right (and will be deemed
to have accepted the right) to enforce these Terms against you as a
third-party beneficiary thereof.

(ix) When using the Service, you agree to comply with any and all
third-party terms that are applicable to any platform, website, technology
or service that interacts with the Service.

Ability to Accept Terms

You affirm that you are the age of majority in your jurisdiction and are
fully able and competent to enter into the terms, conditions, obligations,
affirmations, representations, and warranties set forth in these Terms, and
to abide by and comply with these Terms. This Service is not intended for
children under the age of eighteen (18). If you are under 18 years of age,
then please exit now and do not use this Service.

Site Operated in the United States

USAU controls and operates our Service in the United States, and we make no
representation that our Service is appropriate or available for use beyond
the United States. If you use our Service from other locations, you are
doing so on your own initiative and are responsible for compliance with
applicable local laws regarding your online conduct and acceptable content,
if and to the extent local laws apply. Our Service may describe products
and services that are available only in the United States (or only parts of
it). We reserve the right to limit the availability of our Service and/or
the provision of any Site Content, program, product, service, or other
feature described or available on our Service to any person, entity,
geographic area, or jurisdiction, at any time and in our sole discretion,
and to limit the quantities of any Site Content, program, product, service,
or other feature that we provide.

Choice of Law and Forum

These Terms will be governed by and construed in accordance with the laws
of the State of Connecticut, without giving effect to any principles of
conflicts of law. You agree that any action at law or in equity arising out
of or relating to these terms shall be filed only in the state or U.S.
federal courts located in Connecticut and you hereby consent and submit to
the personal jurisdiction of such courts for the purposes of litigating any
such action. These Terms, together with the Privacy Policy, and any other
documents or policies referenced herein constitute the entire agreement
between you and USAU regarding the use of the Service and the content and
services provided on this Service, superseding any prior agreements between
you and USAU relating to the subject matter hereof.

Severability and Enforceability

If any provision or portion of these Terms is held to be illegal, invalid,
or unenforceable, in whole or in part, it shall be modified to the minimum
extent necessary to correct any deficiencies or replaced with a provision
which is as close as is legally permissible to the provision found invalid
or unenforceable and shall not affect the legality, validity or
enforceability of any other provisions or portions of these Terms.

Termination/Exclusion

We reserve the right, in our sole discretion, to revoke, terminate or
suspend any and all privileges associated with accessing the Service for
any reason or for no reason whatsoever including improper use of the
Service or failure to comply with these Terms, and to take any other action
we deem appropriate.

User Suggestions

You acknowledge and agree that any questions, comments, suggestions, ideas,
feedback or other information provided by you to USAU through the Service
are not confidential and you grant us a worldwide, royalty-free license to
distribute, publish, modify, edit or otherwise use your submissions. USAU
shall be entitled to the unrestricted use and dissemination of these
submissions for any purpose, commercial or otherwise without any
acknowledgement of or compensation to you.

Changes to Terms

We may revise these Terms at any time without prior notice by updating this
page, and such revisions will be effective upon posting to this page.
Please check these Terms periodically for any changes. Your continued use
of the Service following the posting of any revisions to these Terms will
mean you accept those changes. We reserve the right to alter, suspend or
discontinue any aspect of the Service, including your access to it. Unless
explicitly stated, any new features will be subject to these Terms.

General

We may assign, novate or subcontract any or all of our rights and
obligations under these Terms at any time.

If you have any questions or comments on the Service or become aware of
misuse of the Service by any person, please contact us at: contact@airmodo.com.

The policy and the terms of use of the AirModo app contain all the
agreements between you and us concerning the insurance provided by the
policy generated by the mobile app. The Declarations, the AirModo app.,
along with the policy and any attached endorsements form your complete
insurance policy. By accepting the Terms of Use, you agree:

1. The statements and representations you make in the AirModo Mobile App
are accurate and complete to the best of your knowledge; and

2. Any policy issued through the AirModo Mobile App will be issued in
reliance with these statements and representations;

The policy includes certain exclusions. To see the details of these
exclusions, please see the sample Annual and Hourly policies.

Policies issued through the AirModo app are effective for the time period
shown in the Declarations of the policy and will automatically terminate at
the expiration date and time unless cancelled earlier, when applicable. If
coverage is desired after the expiration date, the applicant must reapply
through the AirModo Mobile App.

Jurisdictional Rights and Limitations

NOTICE TO ARKANSAS APPLICANTS: Any person who knowingly presents a false or
fraudulent claim for payment of a loss or benefit, or knowingly presents
false information in an application for insurance is guilty of a felony and
may be subject to fines and confinement in prison.

NOTE TO CALIFORNIA APPLICANTS: For your protection, California law requires the
following to appear on this form:  Any person who knowingly presents false or fraudulent
information to obtain or amend insurance coverage or to make a claim for the payment of
a loss is guilty of a crime and may be subject to fines and confinement in state prison.

NOTICE TO COLORADO APPLICANTS: It is unlawful to knowingly provide false,
incomplete, or misleading facts or information to an insurance company for
the purpose of defrauding or attempting to defraud the company. Penalties
may include imprisonment, fines, denial of insurance and civil damages. Any
insurance company or agent of an insurance company who knowingly provides
false, incomplete, or misleading facts or information to a policyholder or
claimant for the purpose of defrauding or attempting to defraud the
policyholder or claimant with regard to a settlement or award payable from
insurance proceeds shall be reported to the Colorado Division of Insurance
within the Department of Regulatory Agencies.

NOTICE TO DELAWARE APPLICANTS: Any person who knowingly, and with intent to
injure, defraud or deceive any insurer, files a statement of claim
containing any false, incomplete or misleading information is guilty of a
felony.

NOTICE TO DISTRICT OF COLUMBIA APPLICANTS: WARNING: It is a felony to
provide false or misleading information to an insurer for the purpose of
defrauding the insurer or any other person. Penalties include imprisonment
and/or fines. In addition, an insurer may deny insurance benefits if false
information materially related to a claim was provided by the applicant.

NOTICE TO FLORIDA APPLICANTS: Any person who knowingly and with intent to
injure, defraud or deceive any insurance company files a statement of claim or an
application containing any false, incomplete or misleading information is guilty of a
felony in the third degree.

NOTICE TO IDAHO APPLICANTS: Any person who knowingly, and with intent to
defraud or deceive any insurance company, files a statement containing any
false, incomplete or misleading information is guilty of a felony.

NOTICE TO INDIANA APPLICANTS: A person who knowingly and with intent to
defraud an insurer files a statement of claim containing any false,
incomplete, or misleading information commits a felony.

NOTICE TO KANSAS APPLICANTS: Fraud means an act committed by any person
who, knowingly and with intent to defraud, presents, causes to be presented
or prepares with knowledge or belief that it will be presented to or by an
insurer, purported insurer, broker or any agent thereof, any written,
electronic, electronic impulse, facsimile, magnetic, oral, or telephonic
communication or statement as part of, or in support of, an application for
the issuance of, or the rating of an insurance policy for personal or
commercial insurance, or a claim for payment or other benefit pursuant to
an insurance policy for commercial or personal insurance which such person
knows to contain materially false information concerning any fact material
thereto; or conceals, for the purpose of misleading, information concerning
any fact material thereto.

NOTICE TO KENTUCKY APPLICANTS: Any person who knowingly and with intent to
defraud any insurance company or other person files an application for
insurance containing any materially false information, or conceals for the
purpose of misleading, information concerning any fact material thereto,
commits a fraudulent insurance act, which is a felony.

NOTICE TO LOUISIANA APPLICANTS: Any person who knowingly presents a false
or fraudulent claim for payment of a loss or benefit, or knowingly presents
false information in an application for insurance is guilty of a felony and
may be subject to fines and confinement in prison.

NOTICE TO MAINE APPLICANTS: It is a felony to knowingly provide false,
incomplete or misleading information to an insurance company for the
purpose of defrauding the company. Penalties may include imprisonment,
fines or a denial of insurance benefits.

NOTICE TO MARYLAND APPLICANTS: Any person who knowingly or willfully
presents a false or fraudulent claim for payment of a loss or benefit or
who knowingly or willfully presents false information in an application for
insurance is guilty of a felony and may be subject to fines and confinement
in prison.

NOTICE TO NEW JERSEY APPLICANTS: Any person who includes any false or
misleading information on an application for an insurance policy is subject
to criminal and civil penalties.

NOTICE TO NEW MEXICO APPLICANTS: Any person who knowingly presents a false
or fraudulent claim for payment of a loss or benefit, or knowingly presents
false information in an application for insurance is guilty of a felony and
may be subject to civil fines and criminal penalties.

NOTICE TO NEW YORK APPLICANTS: Any person who knowingly and with intent to
defraud any insurance company or other person files an application for
insurance or statement of claim containing any materially false information
or conceals for the purpose of misleading, information concerning any fact
material thereto, commits a fraudulent insurance act, which is a felony,
and shall also be subject to a civil penalty not to exceed five thousand
dollars and the stated value of the claim for each such violation.

NOTICE TO OHIO APPLICANTS: Any person who, with intent to defraud or
knowing that he is facilitating a fraud against an insurer, submits an
application or files a claim containing a false or deceptive statement is
guilty of insurance fraud.

NOTICE TO OKLAHOMA APPLICANTS: WARNING: Any person who knowingly and with
intent to injure, defraud or deceive any insurer, makes any claim for the
proceeds of an insurance policy containing any false, incomplete or
misleading information is guilty of a felony.

NOTICE TO OREGON APPLICANTS: Any person who makes an INTENTIONAL
MISSTATEMENT that is MATERIAL TO THE RISK MAY BE found guilty of insurance
fraud by a court of law. In order for an insurer to deny a claim on the
basis of misstatements, misrepresentations, omissions or concealments on
the part of the insured, the insurer must show that the misinformation is
material to the content of the contract, that the insurer relied upon the
misinformation and that the information was either material to the risk
assumed by the insurer or that the misinformation was provided
fraudulently.

NOTICE TO PENNSYLVANIA APPLICANTS: Any person who knowingly and with intent
to defraud any insurance company or other person files an application for
insurance or statement of claim containing any materially false
information, or conceals for the purpose of misleading, information
concerning any fact material thereto, commits a fraudulent insurance act,
which is a felony and subjects such person to criminal and civil penalties.

NOTICE TO RHODE ISLAND APPLICANTS: Any person who knowingly presents a
false or fraudulent claim for payment of a loss or benefit or knowingly
presents false information in an application for insurance is guilty of a
felony and may be subject to fines and confinement in prison.

NOTICE TO TENNESSEE APPLICANTS: It is a felony to knowingly provide false,
incomplete or misleading information to an insurance company for the
purpose of defrauding the company. Penalties include imprisonment, fines
and denial of insurance benefits.

NOTICE TO VIRGINIA APPLICANTS: It is a felony to knowingly provide false,
incomplete or misleading information to an insurance company for the
purpose of defrauding the company. Penalties include imprisonment, fines
and denial of insurance benefits.

NOTICE TO WASHINGTON APPLICANTS: It is a felony to knowingly provide false,
incomplete or misleading information to an insurance company for the
purpose of defrauding the company. Penalties include imprisonment, fines
and denial of insurance benefits.

NOTICE TO WEST VIRGINIA APPLICANTS: Any person who knowingly presents a
false or fraudulent claim for a payment of a loss or benefit or knowingly
presents false information in an application for insurance is guilty of a
felony and may be subject to fines and confinement in prison.