Terms of Use

Terms of Use

These Terms of Use ("Terms") form a legally binding agreement between you ("User") and Prudents ("we", "us", or "our"), the operator of getprudens.ai. By registering for, accessing, or using our platform and related services (collectively, "Services"), you confirm that you have read, understood, and agreed to be bound by these Terms in full.

If you are using the Services on behalf of a business or organisation, you represent that you have the authority to bind that entity to these Terms, and references to "you" include that entity.

If you do not agree to these Terms, you must not use the Services.

1. The Services

We provide a software platform that automates insurance-related workflows, including but not limited to client intake, policy management, document generation, AI-assisted processing, and automated communications (collectively, the "Services").

The Services are provided solely as a technology platform. We are not an insurance broker, insurance agent, insurance carrier, or licensed insurance professional, and we do not sell, place, recommend, or advise on insurance policies. Nothing within the Services constitutes insurance advice, brokerage services, or recommendations regarding insurance coverage.

Users are solely responsible for ensuring that any insurance activities conducted using the Services are performed by appropriately licensed professionals and in compliance with all applicable insurance regulations.

We reserve the right to modify, update, suspend, or discontinue any part of the Services at any time, with or without notice, and without liability to you. We may also introduce new features or impose limits on certain features at our discretion.

2. Eligibility and Registration

To use the Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Services under applicable law
• Provide accurate, complete, and up-to-date information when registering

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately of any suspected unauthorised access. We are not liable for any loss or damage arising from your failure to maintain account security.

You may not share your account with others, create accounts on behalf of third parties without authorisation, or use automated means to create accounts.

3. Licence to Use the Services

Subject to your compliance with these Terms and payment of any applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Services for your internal business purposes during the term of your subscription.

This licence does not include the right to:

• Copy, reproduce, modify, or create derivative works based on the Services or any part of them
• Reverse engineer, decompile, disassemble, or attempt to extract the source code of the Services
• Resell, sublicence, rent, lease, or otherwise transfer access to the Services to any third party
• Use the Services to build a competing product or service
• Scrape, crawl, or programmatically extract data or outputs from the Services except as explicitly permitted by us in writing
• Remove or obscure any proprietary notices, labels, or branding within the Services

All rights not expressly granted to you are reserved by us.

4. Acceptable Use

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

• Violate any applicable local, national, or international law or regulation
• Process data you do not have the legal right to use, upload, or share
• Upload or transmit any content that is unlawful, defamatory, fraudulent, misleading, or infringes the rights of any third party
• Introduce malicious code, viruses, or any software that disrupts, damages, or interferes with the Services
• Attempt to gain unauthorised access to any part of the Services, our infrastructure, or other users' accounts
• Use the Services in any way that could damage, overburden, or impair our systems or networks
• Circumvent, disable, or interfere with any security or access control features of the Services
• Use AI-generated outputs in any manner that violates applicable law or causes harm to third parties

We reserve the right to investigate suspected violations and to suspend or terminate access without notice where we reasonably believe a violation has occurred.

5. Your Content and Data

Ownership. You retain ownership of all data, files, and content you upload or submit to the Services ("Your Content"). By submitting Your Content, you grant us a limited, worldwide, royalty-free licence to use, store, process, and transmit Your Content solely to provide the Services and as described in our Privacy Policy.

Your responsibility. You are solely responsible for Your Content. You represent and warrant that: you own or have the necessary rights to Your Content; Your Content does not violate any applicable law or the rights of any third party; and Your Content does not contain personal data that you are not lawfully permitted to process.

No sensitive data obligation. You must not upload data that you are not legally permitted to process, including personal data for which you have not obtained the required consents or permissions under applicable law.

AI training. We may use aggregated or de-identified data derived from your use of the Services to improve and train our AI models. We will not use Your Content in identifiable form to train AI models without your consent, except as described in our Privacy Policy.

6. AI-Generated Outputs - Limitation of Reliance

The Services use artificial intelligence to generate outputs including summaries, policy comparisons, recommendations, drafted communications, and extracted data. You acknowledge and agree that:

• AI-generated outputs are provided as assistance tools only and do not constitute professional, legal, insurance, financial, or regulatory advice
• Outputs may be inaccurate, incomplete, or incorrect
• You are solely responsible for reviewing, verifying, and validating all outputs before relying on or acting on them
• We make no warranty as to the accuracy, fitness for purpose, or reliability of any AI-generated output
• We are not liable for any loss, damage, or consequence arising from your use of or reliance on AI-generated outputs

Any use of AI-generated outputs in a regulated, professional, or client-facing context is entirely your responsibility.

6A. Communication Compliance (Calling, SMS, Email, and External Communications)

The Services may generate, draft, send, or automate external communications with third parties, including but not limited to SMS or text messages, emails, phone calls, voicemail messages, notifications, or other electronic communications ("External Communications").

You are solely responsible for ensuring that all External Communications sent using the Services comply with applicable laws and regulations.

Phone Calls and Automated Dialing

If you use the Services to initiate or automate phone calls, including calls generated or handled by AI systems, you are responsible for compliance with all applicable telemarketing and automated calling laws. This includes, but is not limited to, obtaining any required consent prior to calling recipients and maintaining and honoring applicable Do Not Call lists.

SMS and Text Messaging

If you use the Services to send SMS or text messages, you must obtain all required express consent from recipients before sending messages. You must also maintain and honor opt-out requests and suppression lists and comply with all applicable messaging and consumer protection laws.

Email Communications

If you use the Services to send email communications, you must comply with all applicable email marketing and anti-spam laws. You are responsible for maintaining unsubscribe mechanisms, honoring opt-out requests, and ensuring that recipients have consented where required.

You acknowledge that the platform provides communication and automation tools only. We do not verify whether recipients have provided valid consent or whether your communications comply with applicable laws.

You are solely responsible for:

• the legality of all communications sent using the Services
• obtaining all necessary permissions and consents from recipients
• maintaining Do Not Call, Do Not Message, suppression, and unsubscribe lists
• honoring all opt-out and unsubscribe requests
• reviewing communications generated by the platform before sending where applicable

We are not responsible for any misuse of the communication features of the Services or for any claims, fines, penalties, or regulatory actions resulting from your communications.

If we reasonably believe that the Services are being used in violation of applicable communications laws, we reserve the right to suspend or terminate access to communication features of the Services.

7. Intellectual Property

All rights, title, and interest in and to the Services - including but not limited to the platform software, AI models, algorithms, interfaces, workflows, branding, and documentation - are owned exclusively by us or our licensors. Nothing in these Terms transfers any intellectual property rights to you.

You may not use our name, logo, or branding without our prior written consent.

If you provide feedback, suggestions, or ideas about the Services, you agree that we may use such feedback freely and without compensation or obligation to you.

8. Third-Party Services and Integrations

The Services may integrate with or rely on third-party software, platforms, or services ("Third-Party Services"), including AI providers, CRM and AMS systems, communication tools, and cloud infrastructure.

We are not responsible for the availability, accuracy, security, or practices of any Third-Party Service. Your use of Third-Party Services is at your own risk and subject to their own terms and policies. Any failure, outage, or data incident caused by a Third-Party Service does not give rise to any liability on our part.

9. Fees and Payment

Subscription fees. Access to certain features of the Services requires payment of subscription fees as set out in your order or subscription plan. All fees are due in advance and are non-refundable except as expressly stated in these Terms or required by law.

Billing. By subscribing, you authorise us to charge your nominated payment method on a recurring basis for the applicable subscription period until you cancel. You are responsible for keeping your billing information accurate and up to date.

Taxes. All fees are exclusive of applicable taxes. You are responsible for all taxes, levies, or duties imposed by taxing authorities in connection with your use of the Services.

Price changes. We may change our fees at any time. We will give you at least 30 days' written notice of any price increase. If you do not accept the new pricing, you may cancel your subscription before the change takes effect. Continued use after the change takes effect constitutes acceptance of the new pricing.

Late payment. If payment is not received when due, we reserve the right to suspend or downgrade your access to the Services until payment is received in full.

10. Term and Termination

Term. These Terms apply from the date you first access the Services and continue until your subscription is terminated or cancelled.

Cancellation by you. You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No refunds are provided for unused portions of a subscription period except where required by applicable law.

Termination by us. We may suspend or terminate your access to the Services immediately and without notice if we determine that: you have breached these Terms or our Acceptable Use requirements; you have failed to pay fees when due; continued provision of the Services to you creates legal, regulatory, reputational, or security risk; or we are required to do so by law.

Effect of termination. On termination, your licence to use the Services ends immediately. You must cease all use of the Services. We may delete Your Content after a reasonable period following termination, subject to our data retention obligations. We are not liable for any loss resulting from the termination of your account.

11. Disclaimer of Warranties

The Services are provided "as is" and "as available" without any warranty of any kind, whether express, implied, or statutory.

To the maximum extent permitted by applicable law, we expressly disclaim all warranties, including but not limited to: warranties of merchantability, fitness for a particular purpose, satisfactory quality, and non-infringement; any warranty that the Services will be uninterrupted, error-free, or secure; any warranty as to the accuracy, reliability, or completeness of any output, content, or data; and any warranty that defects will be corrected.

You assume all risk arising from your use of the Services and any outputs generated by them.

12. Limitation of Liability

To the maximum extent permitted by applicable law, we and our affiliates, officers, directors, employees, agents, and licensors will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages - including but not limited to loss of profits, revenue, data, business, goodwill, or opportunity - arising out of or in connection with your use of the Services, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for all claims arising out of or in connection with these Terms or the Services will not exceed the greater of the total fees you paid us in the three calendar months immediately preceding the event giving rise to the claim, or one hundred euros (€100).

These limitations apply regardless of the theory of liability - whether contract, tort, negligence, statute, or otherwise - and to the fullest extent permitted by applicable law.

Nothing in these Terms limits or excludes liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

13. Indemnification

If you are a business or organisation, you agree to indemnify, defend, and hold harmless us and our affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your use of the Services or any outputs generated by them
• Your Content, including any allegation that it infringes or violates the rights of a third party
• Your violation of these Terms or any applicable law
• Any claim brought by a third party - including your clients, insurers, or regulators - in connection with your use of the Services

14. Confidentiality

Each party may have access to confidential information of the other in connection with the Services. Each party agrees to keep the other's confidential information strictly confidential, to use it only for the purposes of these Terms, and not to disclose it to any third party without the other party's prior written consent, except as required by law.

This obligation does not apply to information that is or becomes publicly available through no fault of the receiving party, was already known to the receiving party prior to disclosure, or is independently developed without use of confidential information.

15. No Professional Advice

The Services are software tools designed to assist with operational workflows. Nothing in the Services or any output generated by them constitutes legal, insurance, financial, compliance, or regulatory advice. You should not rely on the Services as a substitute for professional advice and should seek independent professional guidance where appropriate.

16. Governing Law and Dispute Resolution

These Terms and any dispute arising out of or in connection with them shall be governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of laws principles.

Any dispute, controversy, or claim arising out of or relating to these Terms, the Services, or any breach thereof shall be subject to the exclusive jurisdiction of the courts of Estonia, unless otherwise required by mandatory local law applicable in your jurisdiction.

Before initiating formal legal proceedings, both parties agree to attempt to resolve any dispute informally by notifying the other party in writing and engaging in good-faith discussions for a period of 30 days.

17. General Provisions

Entire agreement. These Terms, together with our Privacy Policy and Data Management page, constitute the entire agreement between you and us regarding the Services and supersede all prior agreements, representations, and understandings relating to the same subject matter.

Severability. If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

No waiver. Our failure to enforce any provision of these Terms at any time does not constitute a waiver of our right to enforce it in the future.

Assignment. You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to any affiliate, successor, or acquirer without restriction.

Force majeure. We are not liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, war, civil unrest, government action, internet or infrastructure outages, or failures of third-party providers.

Notices. Notices to us under these Terms should be sent through the contact channels provided on the website. Notices to you will be sent to the email address associated with your account.

18. Changes to These Terms

We may update these Terms at any time. We will notify you of material changes at least 30 days in advance by email or in-platform notification. Your continued use of the Services after the effective date of any update constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Services before the effective date of the change.

19. Contact

If you have any questions about these Terms or the Services, please contact us: legal@getprudens.ai

These Terms of Use should be read together with our Privacy Policy and Data Management page, which form part of the overall legal framework governing your use of the Services.