Terms of Service

Welcome to InsuroAI. These Terms of Service ("Terms") govern your access to and use of the website, platform, and services (collectively, the "Service") provided by InsuroAI LLC ("InsuroAI," "we," "us," or "our").

By creating an account, clicking "I agree," or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service. If you are using the Service on behalf of a company or other legal entity, you represent that you have authority to bind that entity; "you" and "your" refer to that entity.

1) Description of Service & Important Disclaimers

InsuroAI is an AI platform that helps insurance professionals turn complex regulations and documents into practical insights (e.g., checklists, summaries).

1.1 Not Legal, Financial, or Professional Advice

Content generated by the Service ("Output") is for informational purposes only. InsuroAI is not a law firm, public adjuster, insurer, or financial advisory firm and does not provide legal, claims-adjusting, underwriting, or other professional advice. You are solely responsible for reviewing and validating any Output before relying on it for underwriting, claims, compliance, or other decisions.

1.2 AI-Generated Content; Human Review

AI systems can produce inaccurate, incomplete, or outdated information. Outputs may not be unique. While we may incorporate quality controls, we do not guarantee the accuracy, completeness, or suitability of Output. Use of Output is at your own risk, and you must apply independent human review and professional judgment.

1.3 Business Use; Age

The Service is intended for business or professional use by individuals 18+. If you use the Service as a consumer, special consumer terms may apply (see Section 3.5).

2) Accounts & Security

2.1 Registration. You must provide accurate, current, and complete registration information and keep it updated.

2.2 Responsibility. You are responsible for all activity under your account and for safeguarding credentials. Notify us promptly of suspected unauthorized access.

3) Fees, Billing & Renewals

3.1 Subscriptions. Access is subscription-based. You agree to pay the fees shown on our Pricing page or order form ("Fees").

3.2 Billing. We use a third-party processor (e.g., Stripe) to charge your payment method on a recurring basis (monthly/annual, as selected). Except where required by law or expressly stated, Fees are non-refundable.

3.3 Trials. If offered, trials convert to paid plans unless you cancel before the trial ends.

3.4 Price Changes. We may change Fees with reasonable prior notice; new Fees apply at your next renewal.

3.5 Auto-Renewal & Florida Consumer Practices. Subscriptions auto-renew until canceled. You may cancel any time in your account settings, effective at the end of the current term.

4) Your Content; IP; Model Use

4.1 Definitions

• Input: prompts, data, documents (e.g., policy PDFs) you or your users provide.
• Output: content generated by the Service from your Input.
• Customer Content: Input + Output.
• Service Data: operational/telemetry data about use of the Service.

4.2 Ownership. You retain ownership of Input. Subject to your compliance with these Terms and payment of Fees, we grant you a worldwide, non-exclusive, royalty-free license to use Output for your internal business purposes. Due to the nature of AI, Outputs may be similar to outputs for other users.

4.3 License to Operate the Service. You grant InsuroAI a worldwide, non-exclusive, royalty-free license to host, process, transmit, and display Customer Content as necessary to provide the Service (including temporary indexing/embedding for retrieval-augmented generation).

4.5 Third-Party Model/Cloud Providers. With your direction or configuration, the Service may route prompts/content to third-party model providers or infrastructure (e.g., OpenAI, Anthropic, Google, or self-hosted/local models on your cloud). Those providers act as our processors/service providers to deliver the Service.

4.6 Feedback. You grant InsuroAI a perpetual, irrevocable, royalty-free license to use ideas or suggestions you provide, without restriction or attribution.

5) Acceptable Use; Industry-Specific Restrictions

You will not: (a) violate laws or third-party rights; (b) probe or disrupt the Service; (c) reverse engineer or circumvent technical limits; (d) submit illegal, harmful, or infringing content; (e) use the Service to create a competing product; (f) misrepresent AI-generated Output as human-created where disclosure is required; (g) use the Service for high-risk applications where errors could cause death, personal injury, or severe environmental/financial harm.

Insurance-specific: You will not use the Service to act as, or replace, a licensed public adjuster, claims adjuster, insurance agent/producer, or law firm without proper licensing and human oversight. You remain responsible for all regulatory compliance and licensing in your jurisdiction.

6) Beta/Preview Features

We may offer features marked alpha/beta/preview. They are provided AS IS, may change, and may be subject to additional terms or limits. You accept increased risk when using them.

7) Confidentiality

Each party may access the other party's Confidential Information. The receiving party will use it only to perform under these Terms and protect it using reasonable measures. "Confidential Information" excludes information that is public without breach, independently developed, or received from a third party without duty of confidentiality.

8) Privacy; Data Processing

Our processing of personal information is described in our Privacy Policy and, where we act as a processor/service provider to a business customer, our Data Processing Addendum (DPA). If you upload regulated data (e.g., personal data, financial data), you represent that you have a lawful basis and all necessary notices/consents. We do not provide HIPAA BAAs unless expressly agreed in writing.

9) Intellectual Property; Third-Party Software

The Service (software, models, algorithms, UI, documentation) is owned by InsuroAI and its licensors. We reserve all rights not expressly granted. Certain components may be provided under open-source licenses. We will provide notices upon request.

10) Third-Party Services

Integrations or links to third-party services are provided for convenience. We are not responsible for third-party services, and your use may be governed by their terms and policies.

11) Service Availability; Support; Changes

We strive for reliable Service but do not guarantee uninterrupted availability. We may modify, suspend, or discontinue features with reasonable notice where practicable. For paid tiers, we will provide commercially reasonable support per our Support Policy.

12) Term; Suspension; Termination; Data Export

These Terms continue until terminated. We may suspend or terminate access immediately if you breach the Terms, for non-payment, or to address security/risk. You may terminate anytime via your account. Upon termination, your right to use the Service ends; however, upon request within 30 days, we will make your Customer Content then in our possession exportable in a reasonable format (unless legally prohibited or deleted earlier at your request). Sections that by nature survive (including 4, 5, 7 to 9, 13 to 17) remain in effect.

13) Disclaimers

THE SERVICE AND OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF OUTPUT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION.

14) Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (a) NEITHER PARTY WILL BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, REVENUE, GOODWILL, OR DATA), EVEN IF ADVISED OF THE POSSIBILITY; and (b) EACH PARTY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE AMOUNTS PAID BY YOU TO INSUROAI IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY.

These limits do not apply to your payment obligations, breach of Section 5 (AUP), or willful misconduct.

15) Indemnification

You will defend, indemnify, and hold harmless InsuroAI, its affiliates, and their personnel from and against claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your Customer Content; (b) your use of the Service in violation of these Terms or law; or (c) your products or services.

16) Export; Sanctions; Government End Users

You must comply with U.S. export and sanctions laws and not use the Service in embargoed countries or for prohibited end uses. The Service is "commercial computer software" and "commercial items"; U.S. Government end users receive only those rights set forth in these Terms.

17) Governing Law; Dispute Resolution; Arbitration

17.1 Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflicts of law rules.

17.2 Binding Arbitration (AAA)

Any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association (AAA).

• Seat & Venue: Miami-Dade County, Florida.
• Law & Enforcement: The Federal Arbitration Act (FAA) governs the interpretation and enforcement of this arbitration agreement.
• Procedure: One arbitrator; English; each party pays its own fees, with cost-shifting as permitted by AAA Rules.
• Small Claims & Injunctive Relief: Either party may bring individual claims in small claims court or seek temporary injunctive relief in court to protect IP or confidential information.

17.3 Class Action Waiver

YOU AND INSUROAI WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. Claims may be brought only in an individual capacity.

17.4 30-Day Opt-Out

You may opt out of arbitration/class waiver within 30 days after first accepting these Terms by emailing [email protected] with subject "Arbitration Opt-Out" and your account details.

18) Miscellaneous

Entire Agreement. These Terms (and documents linked here) are the complete agreement and supersede prior understandings.

Assignment. You may not assign without our written consent; we may assign to an affiliate or in connection with a merger, sale, or reorganization.

Force Majeure. Neither party is liable for delays/failures due to events beyond reasonable control.

Independent Contractors. The parties are independent contractors.

Severability; Waiver. If any term is unenforceable, the rest remains in effect; failure to enforce is not a waiver.

Notices. We may send notices to your account email or in-product; you will send legal notices to [email protected] and InsuroAI LLC, 7901 4th St N Ste 300, St Petersburg, FL 33702.

Publicity. We may use your name/logo in customer lists and marketing materials unless you opt out by emailing [email protected].