Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "your") and Insaber LLC ("Insaber," "we," "us," or "our"), governing your access to and use of our website at insaber.com and our platform services (collectively, the "Services").

By accessing or using the Services, you agree to be bound by these Terms. If you are using the Services on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms. If you do not agree to these Terms, you may not access or use the Services.

2. Description of Services

Insaber provides an AI-powered platform that enables insurance brokers to:

• Upload insurance plan documents (such as Summary of Benefits and Coverage documents and benefit plan summaries) to our platform.
• Use AI technology to extract plan data from those documents, including coverage details, costs, deductibles, copays, and other benefit information.
• Generate professional, mobile-friendly proposal pages that display the extracted plan information in a clear, comparative format.
• Share those proposal pages with clients (employers and their employees) via a unique URL.

We may modify, update, or discontinue any aspect of the Services at any time. We will use reasonable efforts to notify you of material changes.

3. Account Registration

To use certain features of the Services, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information.
• Maintain and promptly update your account information.
• Keep your login credentials confidential and not share them with others.
• Notify us immediately of any unauthorized use of your account.

You are responsible for all activity that occurs under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

4. Acceptable Use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Upload documents that you do not have the right or authorization to share with us.
• Use the Services to collect, store, or process information in violation of applicable privacy or data protection laws.
• Attempt to reverse engineer, decompile, or otherwise attempt to derive the source code of our platform.
• Interfere with or disrupt the integrity or performance of the Services.
• Use automated tools (bots, scrapers, etc.) to access the Services without our prior written consent.
• Misrepresent your identity or affiliation with any person or organization.
• Use the Services to compete with Insaber or to build a similar or competing product.

5. Your Content and Data

5.1 Ownership

You retain all ownership rights in the documents and data you upload to the Services ("Your Content"). Insaber does not claim any ownership over Your Content.

5.2 License to Insaber

By uploading documents to the Services, you grant Insaber a limited, non-exclusive license to process, store, and display Your Content solely as necessary to provide the Services to you. This includes using AI technology to extract data from your documents and generating proposal pages based on that data. This license terminates when you delete Your Content or close your account.

5.3 Your Responsibilities

You represent and warrant that:

• You have all necessary rights, permissions, and authorizations to upload the documents you provide to us.
• Your use of the Services complies with all applicable laws, regulations, and contractual obligations, including any obligations you have to your clients or their employees regarding the handling of benefits information.
• The information contained in your uploaded documents is accurate to the best of your knowledge.

5.4 Published Proposal Pages

When you publish a proposal page, the extracted plan information becomes accessible to anyone with the unique URL. You are responsible for determining when to publish, share, and unpublish proposal pages. Insaber is not responsible for how recipients use the information displayed on published proposal pages.

6. AI-Generated Content and Accuracy

Our platform uses artificial intelligence to extract data from insurance plan documents and present it in a structured format. While we strive for accuracy, you acknowledge and agree that:

• AI extraction may not capture all plan details with 100% accuracy. Extracted data should be reviewed by a qualified professional before being shared with clients.
• Insaber does not guarantee the completeness or accuracy of any AI-extracted data.
• The proposal pages generated by our platform are informational tools intended to assist brokers in communicating plan options. They are not a substitute for official plan documents, and they do not constitute insurance advice, benefits counseling, or a recommendation of any particular plan.
• You, as the broker, are responsible for verifying the accuracy of all extracted information before publishing or sharing it with your clients.
• Employees and other end users of published proposal pages should always refer to official plan documents (SBCs, plan booklets, certificates of coverage) for complete and definitive benefit information.

7. Fees and Payment

Access to the Services may be subject to fees as described on our website or in a separate agreement. If applicable:

• Fees are billed in accordance with the pricing plan you select.
• All fees are non-refundable except as expressly stated in writing.
• We reserve the right to change pricing with 30 days' notice.

During any beta or trial period, access to the Services may be provided at no charge. We reserve the right to begin charging fees upon the conclusion of any beta or trial period with reasonable advance notice.

8. Intellectual Property

The Services, including all software, design, text, graphics, interfaces, and underlying technology, are owned by Insaber and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Services in accordance with these Terms. You may not copy, modify, distribute, or create derivative works of any part of the Services without our prior written consent.

All trademarks, logos, and service marks displayed on the Services are the property of Insaber or their respective owners.

9. Disclaimer of Warranties

Without limiting the foregoing, Insaber does not warrant that:

• The Services will be uninterrupted, error-free, or completely secure.
• AI-extracted data will be accurate, complete, or free from errors.
• The Services will meet your specific requirements.
• Any defects in the Services will be corrected.

10. Limitation of Liability

This limitation applies regardless of the legal theory on which the claim is based, including breach of contract, tort (including negligence), strict liability, or any other theory.

11. Indemnification

You agree to indemnify, defend, and hold harmless Insaber and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Services.
• Your violation of these Terms.
• Your violation of any applicable law or regulation.
• Any content you upload to or share through the Services.
• Any claim by a third party (including your clients or their employees) arising from information displayed on your published proposal pages.

12. Termination

Either party may terminate these Terms at any time. You may terminate by closing your account or ceasing use of the Services. We may suspend or terminate your access to the Services at any time, with or without cause, with or without notice.

Upon termination, your right to access the Services will cease immediately. We will delete your uploaded documents and extracted data within 30 days of account closure, except where retention is required by law. Sections 5.1, 6, 8, 9, 10, 11, 13, and 14 shall survive termination.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising out of or related to these Terms or the Services shall be resolved exclusively in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of such courts.

14. General Provisions

14.1 Entire Agreement

These Terms, together with the Privacy Policy and any other agreements expressly referenced herein (including any Beta Pilot Agreement, if applicable), constitute the entire agreement between you and Insaber regarding the Services.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

14.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

14.4 Assignment

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

14.5 Modifications

We may update these Terms from time to time. If we make material changes, we will notify you by posting the updated Terms on our website with a revised "Last Updated" date. Your continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

15. Contact Us

If you have questions about these Terms, please contact us at:

Insaber LLC
Austin, Texas
Email: jack.t@insaber.com
Website: insaber.com