By accessing or using the Service, you:
If you do not agree to these Terms in their entirety, you must immediately cease all use of the Service.
IU2 Technology LLC provides AI-powered software services to insurance agencies and agents, including:
The Service is provided solely as a software tool. IU2 Technology LLC does not provide insurance products, brokerage, underwriting, carrier services, legal advice, financial advice, or compliance guidance of any kind.
Access to the Service requires a paid Subscription. Subscription plans, pricing, and included features are described at insureu2.ai or in a separate order form or agreement executed between you and IU2 Technology LLC.
Subscriptions are billed in advance on a recurring basis (monthly or annually, as selected). Your Subscription will automatically renew at the end of each billing period unless you cancel prior to the renewal date in accordance with Section 4.4.
You authorize IU2 Technology LLC to charge your designated payment method for all applicable Subscription fees. All fees are stated in U.S. dollars and are exclusive of applicable taxes, which are your sole responsibility.
You may cancel your Subscription at any time by contacting support@insureu2.ai. Cancellation takes effect at the end of the then-current billing period. IU2 Technology LLC does not provide refunds for partial billing periods unless otherwise required by applicable law.
IU2 Technology LLC reserves the right to modify Subscription pricing at any time. We will provide at least thirty (30) days' advance notice of any price change. Your continued use of the Service after the effective date of a price change constitutes your acceptance of the new pricing.
To use the Service, you must:
By using the Service, you represent and warrant that you satisfy all eligibility requirements. IU2 Technology LLC reserves the right to verify eligibility and to deny or revoke access at its sole discretion.
If you create or use an account on the Service:
IU2 Technology LLC reserves the right to suspend or terminate accounts that violate these Terms or that are associated with fraudulent, abusive, or unauthorized activity, without prior notice and without liability.
AI Outputs are generated automatically and without human review. They may be incomplete, inaccurate, delayed, or outdated. They are not guaranteed to meet any regulatory, compliance, or professional standard, and may not reflect current law, product availability, or factual circumstances.
AI Outputs do not constitute — and must not be relied upon as — insurance advice, legal advice, financial advice, compliance guidance, or any other form of professional advice. Decisions involving such matters require the involvement of qualified, licensed professionals.
You are solely responsible for independently evaluating all AI Outputs before acting upon them, determining whether any AI Output is appropriate or suitable for your specific situation, and for any decisions made or actions taken in reliance on AI Outputs.
Any real-time prompts or guidance provided through the platform may not appear in all relevant situations, may be delayed, and cannot account for all variables present in any given interaction. You remain fully and solely responsible for all customer interactions, coverage decisions, and compliance with all applicable laws in every jurisdiction in which you operate.
The Service may involve the capture, transmission, processing, or analysis of communications, voice data, or text data. You acknowledge and agree that:
IU2 Technology LLC's collection, use, and handling of personal information is governed by the IU2 Technology LLC Privacy Policy, available at insureu2.ai and incorporated into these Terms by reference. By using the Service, you consent to the data practices described in the Privacy Policy.
All content, branding, platform materials, workflows, AI models, and functionality made available through the Service are owned by IU2 Technology LLC or its licensors and are protected by applicable United States and international intellectual property laws.
You may not:
In connection with your use of the Service, you may be exposed to non-public information regarding IU2 Technology LLC's platform structure, workflows, system logic, business processes, pricing, and proprietary technology (collectively, "Confidential Information"). You agree to:
Confidentiality obligations under this Section survive termination of these Terms for a period of five (5) years.
You agree not to use the Service to:
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IU2 TECHNOLOGY LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION:
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM IU2 TECHNOLOGY LLC OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IU2 TECHNOLOGY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION:
IN NO EVENT SHALL IU2 TECHNOLOGY LLC'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO IU2 TECHNOLOGY LLC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100.00).
THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY — WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE — EVEN IF IU2 TECHNOLOGY LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify, defend, and hold harmless IU2 Technology LLC and its affiliates, officers, directors, employees, agents, successors, and licensors from and against any and all third-party claims, losses, liabilities, damages, judgments, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
This section contains a binding arbitration clause and a class action waiver. Please read it carefully — it affects your legal rights.
Before initiating any formal legal proceeding, you agree to first contact IU2 Technology LLC at support@insureu2.ai and attempt in good faith to resolve the matter informally for thirty (30) days.
If informal resolution fails, any dispute shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (AAA) under its then-current Commercial Arbitration Rules, conducted in Wilmington, Delaware.
YOU AND IU2 TECHNOLOGY LLC EACH EXPRESSLY WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE PROCEEDING.
Nothing in this Section prevents either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or Confidential Information obligations.
Arbitration filing fees shall be allocated in accordance with the AAA Commercial Arbitration Rules. Each party shall bear its own attorneys' fees and costs unless the arbitrator determines a claim was frivolous or brought in bad faith.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. Any legal proceedings not subject to arbitration shall be brought exclusively in the state or federal courts located in Wilmington, Delaware.
IU2 Technology LLC may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice, without liability to you.
Upon termination:
These Terms, together with the Privacy Policy and any additional terms applicable to specific features or Subscription plans, constitute the entire agreement between you and IU2 Technology LLC with respect to the Service.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible.
No failure or delay by IU2 Technology LLC in exercising any right, power, or privilege under these Terms shall operate as a waiver of that right.
You may not assign, delegate, or transfer these Terms or any rights or obligations hereunder without the prior written consent of IU2 Technology LLC.
IU2 Technology LLC reserves the right to modify these Terms at any time. Revised Terms will be posted to insureu2.ai with an updated "Last Updated" date. Your continued use constitutes binding acceptance of those changes.
IU2 Technology LLC shall not be liable for any delay or failure in performance resulting from causes outside its reasonable control, including acts of God, natural disasters, pandemic, war, government action, internet outages, or third-party service failures.
By using the Service, you consent to receive communications from IU2 Technology LLC electronically, including by email and through notices posted on the platform.
These Terms are for the sole benefit of you and IU2 Technology LLC and do not create any third-party beneficiary rights in any other person or entity.
For questions, concerns, or support, please contact: