Terms of service

Last updated: 2026-06-11

These terms govern your use of Shipping Insurance Cost Calculator (https://insurance.shipcostlab.com), a free informational tool operated by José Manuel Volante González (see the legal notice for full provider identification).

Nature of the service

The site provides indicative estimates of cargo-insurance premiums based on published market reference data (versioned and date-stamped on the page). It is provided free of charge, without registration, accounts or subscriptions.

The output is not an insurance quote, a cover note, evidence of cover, or financial, legal or insurance advice. Premiums actually offered by insurers depend on underwriting factors this tool does not capture. For binding terms, contact a licensed insurance broker or insurer.

Acceptable use

You agree to use the site lawfully. You may not attempt to disrupt the service, misrepresent its outputs as binding quotations, or scrape the site in a way that degrades it for other users.

Intellectual property

The text, calculations, datasets and design of this site are protected by intellectual property law. Personal, non-commercial use with attribution is permitted. For commercial reuse, contact microtools.contact@gmail.com.

Liability

Reference data may become outdated and calculations are indicative. To the extent permitted by applicable law, the provider accepts no liability for decisions made solely on the basis of the site's outputs. Nothing in these terms excludes liability that cannot be excluded under applicable law.

Changes

These terms may be updated; the "Last updated" date above reflects the current version. Continued use after an update constitutes acceptance.

Governing law

These terms are governed by Spanish law. Disputes are subject to the courts specified by applicable consumer-protection rules.