Terms of Service

1. Service Description

InsuraMate AI ("Company," "we," "us," or "our") provides an AI-powered automation platform designed for insurance agencies and brokers (the "Service"). The Service includes:

• Intelligent workflow automation and process management
• AI-powered analytics and operational insights
• Integration capabilities with insurance management systems
• HIPAA-compliant infrastructure for handling Protected Health Information (PHI)
• Enterprise-grade security features and compliance tools

2. Account Registration and Eligibility

2.1 Eligibility

You must be at least 18 years old and authorized to represent your organization to use the Service. By registering, you represent that:

• You have the authority to bind your organization to these Terms
• All registration information you provide is accurate and current
• You will maintain the accuracy of such information
• Your use complies with all applicable laws and regulations

2.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Implementing multi-factor authentication when available
• Immediately notifying us of any unauthorized access or security breach

3. Acceptable Use Policy

3.1 Permitted Use

You may use the Service only for lawful business purposes in accordance with these Terms.

3.2 Prohibited Activities

You agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Use the Service for any fraudulent or illegal purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the integrity or performance of the Service
• Reverse engineer, decompile, or disassemble the Service
• Use the Service to transmit viruses, malware, or harmful code
• Scrape, harvest, or collect user data without authorization
• Resell, sublicense, or transfer the Service without our written consent

4. Data Processing and HIPAA Compliance

4.1 Business Associate Agreement

If you use the Service to process Protected Health Information (PHI) as defined by HIPAA:

• We act as your Business Associate under HIPAA
• A Business Associate Agreement (BAA) will be executed as part of your subscription
• We will implement appropriate safeguards to protect PHI
• We will report any breaches of PHI as required by HIPAA

4.2 Data Ownership

You retain all rights, title, and interest in your data. We process your data solely to provide the Service and as described in our Privacy Policy.

4.3 Data Protection

We implement industry-standard security measures including:

• End-to-end encryption for data in transit and at rest
• Regular security audits and penetration testing
• SOC 2 Type II compliance and annual assessments
• 24/7 security monitoring and incident response

5. Subscription and Payment Terms

5.1 Subscription Plans

The Service is provided on a subscription basis. Subscription plans, pricing, and billing terms will be provided during the onboarding process.

5.2 Payment

• Fees are billed in advance on a monthly or annual basis
• All fees are non-refundable except as required by law
• You authorize us to charge your payment method for all applicable fees
• You are responsible for all taxes, duties, and assessments

5.3 Price Changes

We may change subscription fees upon 30 days' written notice. Continued use of the Service after the price change constitutes your acceptance of the new fees.

6. Service Availability and Support

6.1 Service Levels

We strive to maintain 99.9% uptime for the Service. Planned maintenance will be communicated in advance when possible.

6.2 Support

Technical support is available via email and our support portal during business hours. Enterprise customers may have access to priority support.

6.3 Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service with reasonable notice. We are not liable for any modification, suspension, or discontinuation.

7. Intellectual Property Rights

7.1 Our Intellectual Property

The Service, including all software, algorithms, designs, and content, is protected by copyright, trademark, and other intellectual property laws. We retain all rights not expressly granted to you.

7.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use the Service during your subscription term, subject to these Terms.

7.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, we may use them without obligation or compensation to you.

8. Warranties and Disclaimers

8.1 Service Warranty

We warrant that the Service will perform substantially in accordance with our documentation under normal use.

8.2 Disclaimers

9. Limitation of Liability

10. Indemnification

You agree to indemnify, defend, and hold harmless InsuraMate AI and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your data or content provided to the Service

11. Term and Termination

11.1 Term

These Terms commence when you first access the Service and continue until terminated by either party.

11.2 Termination by You

You may terminate your subscription at any time by providing written notice. No refunds will be provided for unused subscription periods.

11.3 Termination by Us

We may suspend or terminate your access immediately if you:

• Breach these Terms
• Fail to pay fees when due
• Engage in fraudulent or illegal activity
• Pose a security risk to the Service or other users

11.4 Effect of Termination

Upon termination:

• Your access to the Service will cease immediately
• You must cease all use of our intellectual property
• We will delete your data within 90 days unless legally required to retain it
• You may request a data export within 30 days of termination

12. Dispute Resolution

12.1 Informal Resolution

Before initiating formal proceedings, parties agree to attempt to resolve disputes through good-faith negotiation for at least 30 days.

12.2 Arbitration

Any disputes not resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in [Your Jurisdiction].

12.3 Class Action Waiver

You agree to bring claims only in your individual capacity and not as part of any class action or representative proceeding.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles. Any disputes not subject to arbitration shall be brought exclusively in the courts of [Your Jurisdiction].

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any BAA executed between us, constitute the entire agreement between you and InsuraMate AI regarding the Service.

14.2 Amendments

We may modify these Terms at any time by posting the revised Terms on our website. Material changes will be communicated via email at least 30 days before taking effect. Continued use after changes constitutes acceptance.

14.3 Severability

If any provision is found unenforceable, the remaining provisions will remain in full force and effect.

14.4 No Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

14.5 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

14.6 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control.

15. Contact Information

For questions about these Terms: