These Terms and Conditions (“Terms”) govern your access to and use of the My Time to Explore website, applications, and related services (collectively, the “Platform”). By creating an account, listing a property, requesting or confirming a booking, or otherwise using the Platform, you agree to these Terms.
9. Insurance
The Platform is not an insurer, insurance broker, or insurance agent. We do not sell, underwrite, or provide property insurance, liability insurance, guest damage protection, travel insurance, medical insurance, or any other insurance product in connection with listings, bookings, or stays arranged through the Platform.
Hosts are solely responsible for obtaining and maintaining all insurance coverage they need for their property, belongings, rental operations, and liability to renters, invitees, neighbors, and others. This includes, without limitation, landlord or homeowner policies suitable for short-term rentals, liability coverage, and any coverage required by law, mortgage, HOA, or lease. Hosts should confirm with their insurer that short-term rental use is covered.
Renters / Guests are solely responsible for obtaining and maintaining their own insurance for their trip and personal risk, including travel insurance, trip cancellation or interruption coverage, personal liability coverage, medical coverage, and coverage for personal belongings. Guests should not assume that a Host’s policy, or any Platform feature, protects them.
Any loss, damage, injury, claim, or dispute arising from a stay, listing, or booking is between the Host and Guest (and their insurers), except to the limited extent these Terms or applicable law impose obligations on My Time to Explore. You release My Time to Explore from claims related to the absence of Platform-provided insurance and from claims that should be covered by insurance you were responsible for obtaining.
11. Content, reviews, and communications
You retain ownership of content you submit (such as listing text, photos, and reviews), and you grant My Time to Explore a worldwide, non-exclusive, royalty-free license to host, display, reproduce, and distribute that content as needed to operate and promote the Platform. You represent that you have the rights to grant this license and that your content does not infringe others’ rights.
Reviews must reflect genuine stays and must not be fake, paid for in a deceptive way, or used to extort other users. Messaging tools are for booking-related communication; do not use them to spam or solicit off-platform payments in violation of these Terms.