Table of Contents
Contact Information
Important Agreement
By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.
Overview of Our Service
Insurly provides a platform that helps individuals and families better understand, analyze, and optimize their car, home, and health insurance policies using AI-powered tools.
Services include:
- AI-based insurance document review
- Claims and coverage analysis
- Loss simulation and appeal letter generation
- Policy comparison tools
Eligibility
You must be at least 18 years old to use the Service. By using the Service, you affirm that:
- You are of legal age to enter into a binding agreement
- All information you provide is truthful and accurate
- You are not barred from using the Service under any applicable law
Account Registration
You may register with email/password or via Google OAuth. You agree to:
- Keep your credentials confidential
- Notify us immediately of unauthorized access
- Be responsible for all activities under your account
Acceptable Use
You agree not to:
- Upload false, fraudulent, or misleading documents
- Attempt to reverse engineer, scrape, or exploit any part of the Service
- Violate HIPAA, GDPR, or other applicable data privacy laws
- Use the platform to generate content for illegal or harmful purposes
Insurly reserves the right to suspend or terminate your access if you violate these Terms.
AI Use Disclaimer
Insurly provides features powered by AI service providers (e.g., OpenAI). These services are informational and do not constitute:
Important: AI outputs are based on uploaded data and model interpretations. Final decisions should always be made with licensed professionals.
Payments & Subscriptions
Paid services are billed through Stripe. You agree to Stripe's terms and privacy policy.
- All fees are listed in USD
- Subscriptions renew automatically unless canceled
- You may cancel at any time via your account settings
Data Handling & Privacy
By using Insurly, you agree to the terms of our Privacy Policy, which outlines:
- What data we collect
- How we use and protect it
- Your rights under HIPAA, GDPR, CCPA, and other laws
We use Supabase for secure authentication and storage (Supabase Privacy).
Termination
Your Rights
You may delete your account at any time.
Our Rights
We reserve the right to suspend or terminate your access for:
- • Violation of these Terms
- • Legal or regulatory compliance
- • Fraud or abuse
Upon termination, your data will be deleted as described in our Privacy Policy.
Intellectual Property
All content, branding, and software on Insurly are owned or licensed by Insurly, LLC. You may not reproduce, distribute, or create derivative works without our permission.
Disclaimers
The Service is provided "as is" and "as available" without warranties of any kind. We do not guarantee:
- Accuracy or completeness of AI-generated insights
- Availability of the Service at all times
- That the Service will be error- or bug-free
We are not liable for decisions made based on AI outputs.
Limitation of Liability
To the maximum extent permitted by law, Insurly and its affiliates will not be liable for any:
- Indirect or consequential damages
- Lost profits or data
- Errors or inaccuracies in the content
- Security breaches beyond our control
Modifications
We may update these Terms from time to time. Material changes will be posted and/or sent to your email.
Continued use of the Service after changes means you accept the updated Terms.
Governing Law
These Terms are governed by the laws of the State of Illinois, USA, without regard to conflict of law principles.
Contact Us
If you have questions or concerns about these Terms, contact us:
Insurly, LLC
233 S Wacker Dr
Chicago, IL 60606