Terms of Service

These Terms of Service ("Terms") govern access to and use of the Commercial Underwriting Assurance platform (the "Platform"), operated by LifePilot Technologies LLC ("Company," "we," "us," or "our"). The Platform is made available to businesses ("Customer") pursuant to a separate written agreement (an "Order Form," "Master Services Agreement," or similar) between the Company and the Customer. In the event of a conflict between these Terms and a signed agreement between the Company and a Customer, the signed agreement controls.

Individual users access the Platform under their employer's (the Customer's) agreement with the Company and do not independently contract with the Company by using the Platform.

The Platform is a decision-support and evidence-organization tool. It does not make underwriting decisions. The Platform:

• Extracts information from documents uploaded by Customer's users
• Identifies apparent contradictions or gaps in submitted information
• May surface configured "appetite" flags for the Customer's awareness
• Records decisions made by Customer's authorized personnel

The Platform never independently binds, declines, refers, or otherwise finalizes an underwriting decision. Every underwriting decision recorded through the Platform is made and recorded by a human user acting on behalf of the Customer. The Customer, not the Company, is solely responsible for all underwriting decisions, including decisions informed by information or flags presented by the Platform.

Customer acknowledges that:

• Information extracted by the Platform's AI components may be incomplete or inaccurate, and is presented for human review, not as a certified or verified fact, until a Customer user marks it as verified.
• Any "appetite" flags or informational signals generated by the Platform are advisory only and do not constitute a recommendation to bind, decline, or refer any risk.
• The Company is not an insurance carrier, underwriter, broker, or MGA, and provides no insurance, underwriting, or risk-bearing services of any kind.

Customer is responsible for:

• The accuracy of decisions made by its personnel using the Platform
• Maintaining the confidentiality of user account credentials
• Ensuring its users are authorized to upload and process the documents and data they submit to the Platform
• Compliance with applicable insurance regulations governing its own underwriting operations
• Configuring binding authority limits, appetite rules, and other organization-specific settings appropriately for its own risk tolerance and governance requirements

Data uploaded by Customer to the Platform remains the property of Customer, as further described in our Privacy Policy. The Company will use Customer data solely to provide the Platform's services and will maintain the logical isolation of each Customer's data as described in our Security practices. The Company will treat Customer's underwriting data as confidential and will not disclose it to third parties except as necessary to operate the Platform (see Privacy Policy, Section 5) or as required by law. Customers with specific regulatory data-processing requirements may request a data processing addendum as part of their Order Form.

The Company will use commercially reasonable efforts to maintain the availability of the Platform. Specific service level commitments, support response times, and scheduled maintenance windows, if any, will be set forth in the applicable Order Form or Master Services Agreement, reflecting the scope of each Customer's engagement.

Fees for use of the Platform are set forth in the applicable Order Form or Master Services Agreement between the Company and Customer. The Company does not publish standard pricing; each engagement is scoped and invoiced individually based on factors such as team size and submission volume. Except as otherwise stated in an Order Form, invoices are due within thirty (30) days of receipt, and amounts unpaid after that period may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law.

The Company retains all right, title, and interest in and to the Platform, including its software, design, and underlying technology. These Terms do not grant Customer any ownership interest in the Platform itself. Customer retains all rights to its own data as described in Section 4.

The Company will use commercially reasonable efforts to provide the Platform in a manner consistent with these Terms and the applicable Order Form.

EXCEPT AS EXPRESSLY STATED IN AN ORDER FORM, THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Consistent with Section 2, the Company makes no warranty, express or implied, regarding the accuracy, completeness, or suitability of any information extracted, flagged, or presented by the Platform for the purpose of making any underwriting, binding, or risk-acceptance decision. Customer is solely responsible for independently verifying all information before relying on it for any underwriting decision, and for the underwriting decisions its personnel make, regardless of any information, extraction, contradiction flag, or appetite flag presented by the Platform.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THESE TERMS OR USE OF THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, AND CONSISTENT WITH SECTION 2, THE COMPANY WILL HAVE NO LIABILITY WHATSOEVER FOR ANY UNDERWRITING DECISION MADE BY CUSTOMER OR ITS PERSONNEL, INCLUDING ANY DECISION TO BIND, DECLINE, OR REFER A RISK, REGARDLESS OF WHETHER SUCH DECISION WAS INFORMED BY INFORMATION, EXTRACTION, OR FLAGS PRESENTED BY THE PLATFORM.

THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE FEES PAID BY CUSTOMER TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, EXCEPT AS OTHERWISE EXPRESSLY AGREED IN AN ORDER FORM.

Nothing in this section limits either party's liability for gross negligence, willful misconduct, or breach of confidentiality obligations, to the extent such limitation is not permitted by applicable law.

The term of a Customer's access to the Platform, and provisions for termination, are set forth in the applicable Order Form or Master Services Agreement. Upon termination, Customer may request export of its data for a period of ninety (90) days, consistent with the data retention terms in our Privacy Policy, after which the Company may delete Customer's data from its production systems.

These Terms are governed by the laws of the state in which LifePilot Technologies LLC is organized and headquartered, without regard to conflict of law principles, unless otherwise specified in an applicable Order Form.

We may update these Terms from time to time. Material changes affecting existing Customers will be communicated consistent with the terms of the applicable Order Form or Master Services Agreement, and the "Last updated" date above will reflect the most recent revision.

Questions about these Terms can be directed to commercialunderwritinga1@gmail.com.