Terms of Service

1. Acceptance of Terms

Welcome to Insure Bin. By accessing or using our insurance policy management application ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

We reserve the right to modify these Terms at any time. Your continued use of the Service after any changes indicates your acceptance of the new Terms.

2. Description of Service

Insure Bin provides a digital platform for managing insurance policies, including:

• AI-powered document extraction from insurance policies
• Cloud storage for policy documents
• Reminder notifications for renewals and payment deadlines
• Policy organization and tracking tools
• Secure authentication and data storage

3. User Accounts and Registration

Account Creation

To use our Service, you must create an account by providing a valid phone number and completing the verification process. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

Account Eligibility

You must be at least 18 years old to use our Service. By using the Service, you represent that you meet this age requirement.

4. User Responsibilities

As a user of our Service, you agree to:

• Use the Service only for lawful purposes
• Not upload any malicious code, viruses, or harmful content
• Not attempt to gain unauthorized access to our systems
• Not use the Service to violate any laws or regulations
• Not share your account credentials with others
• Not use automated systems to access the Service without permission
• Respect the intellectual property rights of others
• Verify the accuracy of AI-extracted information from your documents

5. AI-Powered Features and Accuracy

Our Service uses artificial intelligence to extract information from insurance policy documents. While we strive for accuracy, you acknowledge that:

• AI extraction may not always be 100% accurate
• You are responsible for reviewing and verifying all extracted information
• We are not liable for errors in AI-extracted data or decisions based on such data
• The AI service is provided "as is" without warranties of any kind

6. Intellectual Property

Our Property

The Service, including its design, features, functionality, and content, is owned by us and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express permission.

Your Content

You retain ownership of all documents and information you upload to the Service. By uploading content, you grant us a limited license to use, store, and process your content solely to provide the Service to you.

7. Subscription and Payment

Free and Paid Plans

We offer both free and paid subscription plans. Paid plans provide additional features and storage capacity.

Billing

For paid subscriptions:

• Fees are billed in advance on a monthly or annual basis
• Payment is due immediately upon subscription
• Subscriptions automatically renew unless cancelled
• We reserve the right to change pricing with 30 days notice
• Refunds are provided according to our refund policy

8. Cancellation and Termination

Your Rights

You may cancel your subscription at any time from your account settings. Upon cancellation, you will continue to have access until the end of your billing period.

Our Rights

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or for any other reason at our discretion.

9. Disclaimers and Limitations of Liability

Service "As Is"

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The Service will be uninterrupted or error-free
• Defects will be corrected
• The Service is free from viruses or harmful components
• Results obtained from the Service will be accurate or reliable

Not Insurance Advice

Insure Bin is a management tool only. We do not provide insurance advice, recommendations, or professional services. Consult with licensed insurance professionals for insurance-related decisions.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from your use of the Service.

10. Indemnification

You agree to indemnify and hold harmless Insure Bin, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of the Service or violation of these Terms.

11. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which we operate, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration association.