Terms of Service

1. Agreement

By creating an account or using LossLens (the “Service”), you agree to these Terms and to our Privacy Policy. If you are using the Service for an organization, you represent that you are authorized to accept these Terms on its behalf. If you do not agree, do not use the Service.

2. What the Service does

LossLens uses AI to extract, analyze, and summarize the contents of insurance loss-run documents you submit, and independently reconciles the extracted figures against the source. It produces a structured analysis, charts, risk flags, and a draft narrative to assist your own work.

3. Important disclaimers — please read

• The output is AI-generated and may contain errors. LossLens extracts data with AI and reconciles it, but it is not guaranteed to be complete or accurate. You are responsible for reviewing and verifying the output against the source document before relying on it.
• It is not professional advice or a determination. The Service is an analysis tool. It does not provide legal, insurance, underwriting, actuarial, or coverage advice, and nothing it produces is a coverage determination, an admissibility determination, a compliance certification, or a substitute for the judgment of a licensed professional.
• You make the decisions. Any underwriting, placement, pricing, remarketing, binding, or other business decision is yours and your carriers’. LossLens does not make or recommend coverage decisions.
• No outcome is guaranteed. We do not warrant any particular result, time savings, or accuracy level.

4. Your responsibilities & acceptable use

• You must have the right to submit any document you upload, and you are responsible for your lawful and authorized use of the data it contains, including any personal or claim information.
• You will keep your account credentials secure and are responsible for activity under your account.
• You will not misuse the Service: no unlawful, infringing, or harmful content; no attempts to breach security, scrape, overload, reverse-engineer, or circumvent rate limits or access controls; no use to build a competing product from our outputs.
• You will verify outputs before relying on them, consistent with §3.

5. Your data and content

You retain all rights to the documents you submit and the analyses generated for you. You grant us a limited license to process your content solely to provide and operate the Service (including transmission to our AI sub-processor to perform the analysis), as described in the Privacy Policy. We do not claim ownership of your content and do not use your loss-run data to train AI models.

6. Our intellectual property

The Service, including its software, design, and content (excluding your data), is owned by [Your Legal Entity] and protected by law. We grant you a limited, non-exclusive, non-transferable right to use the Service per these Terms.

7. Fees

Paid plans, if any, are billed as described at signup or in your order, through a third-party payment processor; we do not store your card details. Fees are non-refundable except as required by law or expressly stated. We may change pricing prospectively with notice.

8. Warranty disclaimer

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or that any analysis will be accurate or complete.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, [YOUR LEGAL ENTITY] WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM OR USD $100. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

10. Indemnification

You will defend, indemnify, and hold us harmless from claims and costs arising out of your content, your use of the Service, your violation of these Terms, or your violation of any law or third-party right (including in your handling of the data you submit).

11. Termination

You may stop using the Service at any time. We may suspend or terminate access for violation of these Terms or to protect the Service. On termination, your right to use the Service ends; you may request deletion of your data per the Privacy Policy.

12. Governing law

These Terms are governed by the laws of [Your State/Country], without regard to conflict-of-laws rules, and the courts located there will have jurisdiction, except where applicable law provides otherwise.

13. Changes & contact

We may update these Terms; we will revise the effective date and, for material changes, take reasonable steps to notify you. Continued use after changes means you accept them. Questions: hello@losslens.app.