Question 1

How are these terms accepted?

Accepted Answer

By accessing or using an InsuranceFlow website, software product, demonstration, resource, account, or related online service, you agree to the legally approved version of these terms on your own behalf or on behalf of the organization you represent. If you do not agree, do not access or use the applicable service.

Question 2

Who is bound by these terms?

Accepted Answer

These terms apply to each person who accesses or uses a covered service and, when that person acts for an organization, to that organization. You represent that you have the authority required to accept applicable terms for that organization.

Question 3

Do summaries replace the legal terms?

Accepted Answer

No. Headings, summaries, examples, and frequently asked questions are provided for readability. If they conflict with legally approved controlling language, the controlling language governs.

Question 4

How do these terms relate to signed agreements?

Accepted Answer

A signed agreement, order form, data processing agreement, business associate agreement, or other written contract may contain additional or different terms. If an applicable signed agreement conflicts with these online terms, the signed agreement controls to the extent of that conflict.

Question 5

What does InsuranceFlow mean in these terms?

Accepted Answer

InsuranceFlow refers to the provider identified in the legally approved version of these terms. The provider's exact legal name and contracting details must be inserted and verified before publication.

Question 6

What services are covered?

Accepted Answer

The services include InsuranceFlow websites, software, demonstrations, resources, accounts, and related online services made available under these terms. Specific products or deployments may also be governed by an order form or other agreement.

Question 7

Who is a user?

Accepted Answer

A user is any individual who visits, accesses, evaluates, or uses a covered service. A user may act personally or as an authorized representative of an agency, brokerage, MGA, carrier, service provider, or other organization.

Question 8

What is an account?

Accepted Answer

An account is a registered means of accessing a covered service. An organization account may include administrators, authorized users, permissions, credentials, configurations, and connected systems.

Question 9

What eligibility requirements apply?

Accepted Answer

You may use the services only if you can form a binding agreement and are not prohibited from using them under applicable law. If you use the services for an organization, you must have authority to act for that organization.

Question 10

What information must account users provide?

Accepted Answer

Registration and account information must be accurate, current, and complete. You are responsible for updating that information when it changes and for ensuring that authorized users are assigned appropriate permissions.

Question 11

Who is responsible for account credentials?

Accepted Answer

You must protect passwords, authentication factors, API credentials, and other access methods. Do not share credentials except through approved administrative processes, and do not allow unauthorized people to use an account.

Question 12

Who is responsible for activity under an account?

Accepted Answer

The account holder is responsible for activity performed through its account by authorized users and for managing user access. Responsibility for unauthorized activity is subject to applicable law and any controlling signed agreement.

Question 13

How should suspected unauthorized access be reported?

Accepted Answer

Promptly report suspected unauthorized access through InsuranceFlow's published support or security channel. Until a verified incident-reporting address is published, use the contact page and avoid sending passwords, private keys, or unnecessary sensitive information.

Question 14

What permission is granted to users?

Accepted Answer

Subject to applicable terms and payment obligations, InsuranceFlow grants a limited, non-exclusive, non-transferable, and revocable right to access and use the applicable service for authorized internal business purposes during the permitted term. No ownership rights are transferred.

Question 15

What responsibilities apply when using the services?

Accepted Answer

You must use the services in accordance with applicable laws, insurance regulations, contractual duties, privacy requirements, security obligations, and the rights of other people. You are responsible for determining whether a proposed use is appropriate for your organization.

Question 16

What access or security activity is prohibited?

Accepted Answer

You may not bypass access controls, probe or test systems without written authorization, interfere with service operation, introduce malicious code, misuse credentials, or access data, accounts, or systems without permission.

Question 17

What copying or technical misuse is prohibited?

Accepted Answer

Except where applicable law expressly permits otherwise, you may not copy, modify, distribute, sell, sublicense, reverse engineer, decompile, scrape, frame, mirror, or create derivative works from the services or their underlying technology.

Question 18

What other uses are prohibited?

Accepted Answer

You may not use the services to violate law, infringe rights, transmit unlawful or deceptive material, make decisions without required professional review, develop a competing service through unauthorized access, or impose an unreasonable load on the services.

Question 19

How may acceptable-use requirements be enforced?

Accepted Answer

InsuranceFlow may investigate suspected misuse and may restrict or suspend access when reasonably necessary to protect users, data, systems, or legal rights. Any enforcement action remains subject to applicable law and controlling agreements.

Question 20

What conditions apply to software access?

Accepted Answer

Software access is limited to the products, features, users, environments, usage levels, and term authorized by the applicable agreement or account configuration. Features may differ by deployment, integration, or service plan.

Question 21

What conditions apply to demonstrations and evaluations?

Accepted Answer

Demonstrations, previews, pilots, trials, and evaluations are provided only for assessment and authorized testing. They may have limited functionality, use sample data, change without notice, or be subject to additional evaluation terms.

Question 22

How may InsuranceFlow resources be used?

Accepted Answer

Online and downloadable resources may be used for their stated informational purpose. Unless expressly permitted, they may not be republished, sold, presented as your own work, or used in a way that removes ownership notices.

Question 23

How should AI-assisted output be used?

Accepted Answer

InsuranceFlow may use AI-assisted processes to extract, structure, enrich, summarize, classify, or route information. Outputs may be incomplete, incorrect, or unsuitable for a particular purpose and must be reviewed by appropriately qualified people before use.

Question 24

Who is responsible for insurance decisions?

Accepted Answer

Users remain responsible for underwriting, coverage, pricing, placement, claims, servicing, compliance, and other professional decisions. InsuranceFlow supports workflow preparation and review but does not replace licensed judgment, required approvals, or organizational accountability.

Question 25

Can the services change?

Accepted Answer

InsuranceFlow may improve, modify, replace, or discontinue service elements, subject to any commitments in a controlling agreement. Availability can also be affected by maintenance, dependencies, security events, and circumstances outside reasonable control.

InsuranceFlow Software Terms and Conditions

Terms governing InsuranceFlow services

1. Acceptance and controlling terms