By accessing or using InsureClarity ("the Service"), operated by InsureClarity LLC, a Delaware limited liability company, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you and InsureClarity LLC.
Software Access Service
InsureClarity is a software access service — you are purchasing access to AI-powered document reading and organization tools, not purchasing insurance consulting, advisory, or professional services. The $37 annual fee is a software license fee for access to the platform's technology, not a fee for professional advice or insurance consulting of any kind.
InsureClarity is an AI-powered insurance education and document organization platform that helps users:
To use InsureClarity, you must:
You are responsible for all activities that occur under your account. You agree not to share your account credentials or MFA verification codes with others. By using the Service, you acknowledge and agree that InsureClarity is an educational software platform, not a licensed insurance consulting, advisory, or professional service, and that all AI-generated analysis is educational in nature.
By using the Service, you acknowledge and agree that InsureClarity is an educational software platform, not a licensed insurance consulting, advisory, or professional service, and that all AI-generated analysis is educational in nature.
InsureClarity offers annual software access for $37/year. This fee grants you access to the platform's AI-powered document reading, organization, and educational tools — it is not a fee for insurance consulting, advisory services, or professional advice. Payment is processed securely through Stripe, a PCI DSS Level 1 certified payment processor. We do not store your credit card information.
In certain cases, your access may be sponsored by a corporate partner. Sponsored access is subject to the sponsor's terms and may include a grace period if sponsorship ends. During a grace period, you will retain read-only access and may purchase annual access independently to maintain full access.
You may cancel your access at any time through your account Settings or via Stripe's billing portal. Cancellation takes effect at the end of your current access period. No partial refunds are provided for unused time.
To protect the sensitive insurance and financial information stored on our platform, InsureClarity enforces multi-factor authentication (MFA) for all user accounts.
You agree to maintain access to the email address associated with your account for MFA purposes. If you lose access to your email, contact us at admin@insureclarity.ai for account recovery assistance.
You agree not to:
IMPORTANT: InsureClarity is an insurance EDUCATION and LITERACY platform. We are NOT a licensed insurance producer, agent, broker, adjuster, consultant, premium auditor, CPA, fiduciary, or financial advisor in any state. We do not sell insurance, process claims, adjudicate benefits, or make coverage determinations.
InsureClarity's software provides AI-powered tools that:
Our AI reads your policy and explains what it says — this is education. Deciding whether a specific loss is covered and paying a claim — this is a coverage determination that only your insurance company can make. InsureClarity performs the former; we never perform the latter. Our analysis helps you understand your documents so you can advocate for yourself effectively.
No Reliance for Coverage Decisions: By using InsureClarity, you expressly acknowledge that our AI-generated analysis describes what your policy documents contain and is not a coverage determination, guarantee of benefits, or substitute for your carrier's claims process. You agree to verify all coverage questions directly with your insurance carrier and to consult licensed professionals before making insurance, financial, legal, or medical decisions.
Our AI performs sophisticated document analysis, but all technology has limitations. You should understand that:
You are responsible for any decisions you make based on AI analysis — those decisions are yours to make with appropriate professional guidance. However, if our AI analysis itself contains errors, omissions, or inaccuracies, InsureClarity's liability is governed by Section 16 (Limitation of Liability), including the insurance-backed cap described in Section 16.1.
Consumer Health Data Consent
Before uploading health insurance documents, you will be asked to provide separate, affirmative opt-in consent for (1) the collection and processing of your consumer health data, and (2) the sharing of identity-masked health data with our AI provider (Google Cloud Vertex AI) for document analysis. You may withdraw this consent at any time through your Account Settings. Our handling of consumer health data is governed by our standalone Consumer Health Data Privacy Policy.
HIPAA Notice
InsureClarity is NOT a "covered entity" or "business associate" under the Health Insurance Portability and Accountability Act (HIPAA). When you voluntarily upload health-related insurance documents, you do so at your own discretion. You are solely responsible for determining whether it is appropriate to share such information with our Service. We recommend removing or redacting sensitive health information that is not necessary for the analysis you are seeking.
You retain ownership of all documents, information, and data you upload to InsureClarity. By uploading content, you grant us a limited, non-exclusive license to:
This license terminates immediately upon account deletion.
You are responsible for ensuring you have the right to upload all documents and that they do not violate any laws or third-party rights. You represent that you are the policyholder, a covered family member, or are otherwise authorized to upload the insurance documents you provide.
InsureClarity may offer a referral program allowing you to invite others to the Service. By participating:
The Service, including all content, features, functionality, AI models, and analysis frameworks, is owned by InsureClarity LLC and protected by copyright, trademark, and other intellectual property laws. "InsureClarity," "Insurance Made Clear," the InsureClarity logo, and "Insurance Story" are trademarks of InsureClarity LLC. You may not:
The Service is hosted on the Base44 Enterprise platform (SOC 2 Type II, ISO 27001, GDPR compliant, operated by Wix.com Ltd.) and integrates with third-party services including Stripe for payments and Google Cloud Vertex AI for AI-powered document analysis. We are not responsible for the content, privacy practices, or availability of third-party services. Your use of third-party services is subject to their respective terms.
Errors & Omissions / Cyber Insurance
InsureClarity LLC maintains a Technology Professional Liability and Cyber Insurance policy (underwritten by a nationally recognized carrier) covering professional services wrongful acts, technology products liability, network security & data liability, regulatory defense & penalties, state consumer privacy statutes, and breach response. This E&O policy provides the financial backing for the liability framework described in Sections 16.1 and 16.2 below.
Platform Independence: InsureClarity is not affiliated with, endorsed by, or partnered with any insurance carrier, broker, agent, or financial institution. When our platform suggests "areas to review with your agent," this is a general recommendation to consult licensed professionals — it does not imply any formal relationship between InsureClarity and any specific agent or brokerage.
Your use of the Service is also governed by our Privacy Policy, our Consumer Health Data Privacy Policy, and our AI Transparency page, which together describe how we collect, use, and protect your information — including identity masking before AI processing, per-user field encryption, private document storage, multi-factor authentication, security logging, and your data rights. We implement security measures at multiple layers but we cannot guarantee absolute security. You acknowledge that you transmit data at your own risk.
You may permanently delete your account and all associated data at any time through the self-service deletion feature in Settings. Upon initiating deletion:
Retention exception: Standard operational security audit logs are retained for up to 90 days post-deletion for incident investigation purposes, and affirmative consent compliance records (health data consent grants and withdrawals) are retained for 3 years post-deletion to satisfy regulatory record-keeping requirements under the MHMD Act and CCPA. These retained records contain only timestamped event metadata — not your documents, policies, or personal content. All retained records are automatically purged after their respective retention periods expire. For full details, see the Data Retention table in our Privacy Policy.
Once initiated, account deletion cannot be undone. We recommend exporting your data before deletion if you wish to retain a copy.
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
For claims arising from the categories described in Section 16.2 below (including errors in AI-powered analysis, data breaches, and gross negligence), InsureClarity's total liability is capped at the per-claim and aggregate limits of our Technology Professional Liability and Cyber Insurance policy (underwritten by a nationally recognized carrier). This policy covers professional services wrongful acts, technology products liability, network security & data liability, regulatory defense & penalties, state consumer privacy statutes, and breach response costs.
This means that if our AI analysis contains errors that cause you demonstrable harm, your ability to recover damages is not limited to the cost of your annual access fee — it is backed by our professional liability insurance coverage.
The insurance-backed liability cap in Section 16.1 (rather than the lower general cap in Section 16.3) applies to claims arising from: (a) errors, omissions, or inaccuracies in our AI-powered policy analysis or coverage review area identification; (b) a systemic AI mistranslation — meaning an error in our AI analysis pipeline that produces materially misleading output across multiple users and that InsureClarity knew or should have known about but failed to correct in a timely manner; (c) a breach of InsureClarity's data security obligations resulting in the unauthorized disclosure of your personally identifiable information or consumer health data; (d) InsureClarity's gross negligence, willful misconduct, or fraud; (e) any liability arising under applicable state health data privacy laws, including the Washington My Health My Data Act (RCW 19.373); or (f) any liability that cannot be limited under applicable law. For category (f), the applicable legal limit controls.
For claims not covered by Sections 16.1 and 16.2, our total liability shall not exceed the greater of (a) the amount you paid us in the last 12 months, or (b) one hundred dollars ($100). This lower cap applies only to general operational matters such as:
When in doubt: If your claim involves an error in AI-generated analysis, a security breach, unauthorized data access, health data privacy, or any issue described in Section 16.2(a)–(f), the higher insurance-backed cap in Section 16.1 applies — not this general cap.
You agree to indemnify, defend, and hold harmless InsureClarity LLC, its parent company, subsidiaries, affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
InsureClarity shall not be liable for any failure or delay in performing its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics or pandemics, power outages, internet or telecommunications failures, cyberattacks, AI service provider outages, or failures of third-party service providers. During any such event, our obligations will be suspended for the duration of the event.
We reserve the right to:
You may terminate your account at any time by cancelling your access and/or deleting your account through Settings.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions.
Before initiating arbitration, you must send a written description of your dispute to admin@insureclarity.ai and allow 60 days for us to attempt to resolve the dispute informally. If the dispute is not resolved within 60 days, either party may proceed to binding arbitration. Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules. The arbitration shall take place in Delaware or, at your election, may be conducted remotely via video conference or telephone. The arbitrator's decision shall be final and binding.
You have the right to opt out of this arbitration agreement. You may opt out by sending written notice to admin@insureclarity.ai within 30 days of creating your account. Your opt-out notice must include your full name, email address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you retain the right to bring claims in court. Opting out of arbitration will not affect your access to the Service or any other aspect of your relationship with InsureClarity.
Easy opt-out: Simply email admin@insureclarity.ai with the subject line "Arbitration Opt-Out" and include your name and account email. We will confirm receipt within 5 business days. You will also receive a reminder about this right in your welcome email. No reason is required.
IMPORTANT: PLEASE READ CAREFULLY
YOU AND INSURECLARITY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a class, consolidated, or representative proceeding. This waiver applies to all claims without exception, including claims arising from data breaches, health data privacy laws, gross negligence, AI errors, or any other theory of liability.
Notwithstanding the above, either party may bring an individual action in small claims court for disputes within the court's jurisdiction, or seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights. All claims excepted from arbitration under this Section must still be brought on an individual basis in accordance with the class action waiver in Section 20.3.
We may update these Terms from time to time. Material changes will be communicated via email and prominent notice on the Service at least 30 days before taking effect. Continued use after the effective date of changes constitutes acceptance of the updated Terms. If you disagree with any changes, you may terminate your account before the changes take effect.
If any provision of these Terms is found to be unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions will remain in full effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its original intent.
Sections 7 (Nature of Service), 8 (AI Accuracy), 10 (User Content), 12 (Intellectual Property), 16 (Limitation of Liability), 17 (Indemnification), 20 (Governing Law and Disputes), 22 (Severability), and this Section survive any termination, expiration, or deletion of your account.
These Terms, together with our Privacy Policy, Consumer Health Data Privacy Policy, and AI Transparency disclosure, constitute the entire agreement between you and InsureClarity LLC regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.
For questions about these Terms, contact us at:
Email: admin@insureclarity.ai
Questions? If you have any questions about these Terms of Service, please reach out to our support team at admin@insureclarity.ai. We're here to help you understand your insurance documents.