Snapshot Terms of Use

1. Acceptance of Terms

By submitting a document to the RiskRemedy Policy Snapshot tool (the "Tool"), you agree to be bound by these Terms of Use (the "Terms"). If you do not agree, do not use the Tool. These Terms apply to each individual submission and to the Report generated from it.

2. Description of Tool

The Tool accepts a single commercial insurance policy PDF, extracts structured information (schedule of forms, exclusions, sublimits, definitions, and similar metadata), and generates a non-binding analytical report (the "Report") which is delivered via the web interface and optionally by email. The Tool uses AI models that are experimental in nature.

3. Eligibility & Authority to Upload

You represent that you are at least 18 years old and that you have the legal right and authority to upload the document. You are solely responsible for ensuring that uploading the document does not violate any agreement, law, regulation, or third-party right (including, without limitation, confidentiality obligations to your client, carrier, or employer).

4. Account & Submission Limits

The Tool is offered without account creation. RiskRemedy enforces per-email and global daily submission caps to prevent abuse. RiskRemedy may reject, throttle, or revoke any submission at its sole discretion and without notice.

5. Submitter Data & Privacy

RiskRemedy collects the email address you provide, the PDF you upload, and basic technical metadata (IP address, user agent, timestamps). Uploads are retained for as long as reasonably necessary to provide and support the Report, investigate abuse or security incidents, and comply with RiskRemedy's legal obligations. RiskRemedy does not currently operate a fixed automatic deletion schedule. You may request deletion of your upload at any time by emailing privacy@riskremedy.io, and RiskRemedy will delete it within thirty (30) days of a verified request unless required to retain it by law. RiskRemedy does not sell submitter data. See the Privacy Notice for full details.

6. AI Disclaimer

The Report is generated by AI models that may produce inaccurate, incomplete, or misleading output. RiskRemedy does not warrant the accuracy, completeness, or fitness of the Report for any purpose. You must independently verify any information in the Report before relying on it. The Report is not, and must not be treated as, a substitute for review by a qualified insurance professional.

7. Not Insurance / Advice / Brokerage

RiskRemedy is not a licensed insurance broker, agent, producer, adjuster, or advisor. The Tool and the Report do not constitute insurance, coverage, legal, financial, or other professional advice. Nothing in the Report creates a broker-client, agent-principal, fiduciary, or advisory relationship. You should consult your own licensed broker or advisor before making any decision about insurance coverage.

8. Intellectual Property

RiskRemedy retains all right, title, and interest in and to the Tool, including the software, models, prompts, prompts library, taxonomy, scoring methodology, and the format and presentation of the Report. You retain ownership of the underlying document you upload. You grant RiskRemedy a limited, non-exclusive license to host, store, process, and display the document solely to (a) provide the Tool and to generate, deliver, and support the Report; and (b) create de-identified or aggregated data, and use metadata about how the Tool is used, in each case to operate, evaluate, and improve the Tool. RiskRemedy does not use uploaded documents to train foundation models, and does not authorize its model providers to do so.

9. Acceptable Use

You agree not to (a) upload documents you do not have the right to upload; (b) upload documents containing material protected by attorney-client privilege without authorization; (c) attempt to probe, scan, or test the vulnerability of the Tool; (d) attempt to bypass rate limits, authentication, or authorization mechanisms; (e) use the Tool to develop or train a competing product; or (f) use the Tool for any unlawful purpose.

10. Confidentiality

RiskRemedy treats uploaded documents as confidential and applies reasonable administrative, technical, and organizational measures to protect them, including encryption in transit, encryption at rest, access controls, and vendor diligence. RiskRemedy may disclose documents (i) to its service providers under confidentiality obligations, (ii) as required by law or legal process, or (iii) with your consent. No method of transmission or storage is perfectly secure, and RiskRemedy does not warrant that the Tool or its storage is immune from unauthorized access. You are encouraged to redact information you do not wish to share before uploading.

11. Disclaimers of Warranties

THE TOOL AND THE REPORT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR UNINTERRUPTED OPERATION.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RISKREMEDY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, GOODWILL, OR DATA, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE TOOL OR THE REPORT. RISKREMEDY'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE TOOL WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

13. Indemnification

You agree to indemnify, defend, and hold harmless RiskRemedy and its affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Tool; (b) your violation of these Terms; (c) your violation of any law or third-party right; or (d) the document you uploaded.

14. Modifications & Termination

RiskRemedy may modify these Terms at any time by posting an updated version. Changes are effective on the date posted. RiskRemedy may suspend, modify, or discontinue the Tool, or revoke access to any Report, at any time and without notice.

15. Governing Law; Disputes; Arbitration; Class Waiver

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Mandatory arbitration. You and RiskRemedy agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Tool, or the Report (a "Dispute") will be resolved by binding arbitration administered by JAMS under its Comprehensive Arbitration Rules and Procedures, except that either party may bring a claim in small-claims court for any Dispute within the scope of that court's jurisdiction. The arbitration will be conducted in English by a single arbitrator, will be seated in Wilmington, Delaware (or such other location as the parties agree), and may proceed by telephone or video conference. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. YOU AND RISKREMEDY EACH AGREE THAT DISPUTES WILL BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate the claims of multiple parties and may not preside over any class, collective, or representative proceeding. If a court or arbitrator finds that this class waiver is unenforceable as to a particular claim or remedy, that claim or remedy (and only that claim or remedy) will be severed from arbitration and brought in court, while all other claims will proceed in arbitration.

Opt-out. You may opt out of this arbitration agreement by sending written notice to privacy@riskremedy.io within thirty (30) days of your first submission to the Tool. The notice must include your full name, the email address you used with the Tool, and a clear statement that you wish to opt out. Opting out of arbitration will not affect any other provision of these Terms.

Injunctive relief. Notwithstanding the foregoing, either party may seek temporary or preliminary injunctive relief in any court of competent jurisdiction to protect intellectual property rights or confidential information.

Relationship to the RiskRemedy Terms of Use. These Terms supplement the RiskRemedy Terms of Use available at riskremedy.io/terms and, with respect to the Tool, take precedence over those Terms in the event of a conflict. The arbitration, class-waiver, and opt-out provisions in this Section 15 are intended to operate consistently with Section 18 of the Terms of Use.