General Terms and Conditions

These General Terms and Conditions (the 'Terms' or 'Terms of Use') govern the contractual relationship between InsurAGI AB, reg. no. 559430-3397 ('InsurAGI', 'we', 'us' or 'our'), and users of the InsurAGI website, application, account features, subscription services, document upload functionality, AI-enabled document analysis and related services (the 'Service').

Your use of the Service is also subject to the Acceptable Use Policy, the Integrity Policy and the Cookie Policy, as updated from time to time.

Acceptance and Modification of the Terms of Use and Related Policies

Your access and use of the mobile app and/or website and the services of InsurAGI AB (reg. no. 559430-3397, 'InsurAGI') is governed by these terms and conditions (the 'Terms' or 'Terms of Use').

By creating an account, accessing or using the Service, clicking to accept these Terms, or purchasing a subscription, you confirm that you have read, understood and accepted, without reserve, and agree to be bound by, these Terms, as modified from time to time by InsurAGI. If you do not agree to these Terms, you must not access or use the Service.

Your use of the Service is also subject to the Acceptable Use Policy, the Integrity Policy and the Cookie Policy, as updated from time to time. The Acceptable Use Policy explains permitted and prohibited uses, upload rules, AI misuse, security restrictions and enforcement measures. The Integrity Policy explains how InsurAGI processes personal data. The Cookie Policy explains the use of cookies and similar technologies.

By accessing, browsing and/or using the Website, you also warrant to InsurAGI that you (if you are an individual) are at least 18 (eighteen) years of age and have the right, the authority and the legal capacity to accept and comply with these Terms of Use.

InsurAGI may suspend, restrict or terminate your access to the Service where reasonably necessary due to breach of these Terms or the Acceptable Use Policy, non-payment, legal requirements, security risk, misuse or other circumstances described in these Terms. InsurAGI may take urgent action without prior notice where reasonably necessary to protect the Service, users, InsurAGI or third parties, preserve evidence, comply with law or respond to a security, privacy or abuse incident.

InsurAGI may update these Terms from time to time. InsurAGI will provide reasonable notice of material changes, for example by email, in-app notice or posting in the Service. If a material change negatively affects your paid subscription, the change will not apply before the next renewal period unless you accept it earlier or mandatory law allows otherwise. If you do not accept the change, you may cancel your subscription before the change takes effect. Continued use after the effective date constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

Use of the Service

Subject to your compliance with these Terms and the Acceptable Use Policy, InsurAGI grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your own personal, non-commercial purposes.

Restrictions on copying, scraping, reverse engineering, automation, benchmarking, commercial exploitation, derivative works and misuse of outputs are set out in the Acceptable Use Policy.

Regulatory Matters

Information provided by InsurAGI's Service does not constitute individual recommendation (Sw. personlig rekommendation) as it does not account for any other aspects of your personal situation and circumstances other than the information necessary for you to provide in order to use the product. As such, InsurAGI does not offer Services that fall within the scope of The Swedish Investment Advice Act (2003:862), nor does InsurAGI offer Services that fall within the scope of The Swedish Insurance Distribution Act (2018:1219), or any other act requiring authorization with the Swedish authorities.

InsurAGI is not an insurer, insurance intermediary, insurance broker, insurance claims handler, legal adviser or financial adviser. The Service does not guarantee that any insurance cover exists, that any claim will be accepted, rejected or paid, or that an insurer, court, authority or other third party will interpret an insurance policy in the same way as the Service. The Service is not designed to propose, arrange, conclude, administer, manage, perform, settle or adjust insurance contracts or insurance claims on your behalf. The Service does not decide claims, set premiums, underwrite risk, determine insurance eligibility, provide insurer-facing decision support or make automated decisions producing legal or similarly significant effects.

Fees and Payment

All fees, subscription charges and other amounts payable for the Service, including any applicable taxes, add-ons or usage-based charges, are collectively referred to as the 'Fees'. The applicable Fees, subscription periods, included features, billing intervals, taxes and any trial terms are shown at sign-up, in the Service or in the applicable order, checkout or pricing information.

Unless otherwise stated, paid subscriptions renew automatically for the subscription period selected by you and are charged in advance until cancelled. You are responsible for all fees and taxes incurred through your account. Cancellation prevents future renewals but does not entitle you to a refund, credit or compensation for a period already started, except where required by mandatory law or expressly stated by InsurAGI.

If a payment fails or is reversed, InsurAGI may retry the payment, request updated payment information, suspend or restrict access to paid features, downgrade the account or terminate the subscription. InsurAGI may charge late-payment interest (Sw. dröjsmålsränta), reminder fees, collection fees and reasonable recovery costs to the extent permitted by applicable law.

InsurAGI may change subscription prices, billing terms, included features or other commercial terms for future billing periods. Reasons may include changes in product functionality, operating costs, AI/model/vendor costs, payment-provider costs, taxes, legal requirements, market conditions or InsurAGI's product strategy. InsurAGI will provide notice of material price increases before they take effect. If you do not accept a change, your remedy is to cancel before the change takes effect.

User Content, Upload Restrictions and User Responsibility

'User Content' means documents, prompts, questions, scenario descriptions, files, messages and other content that you upload, submit or otherwise make available through the Service. You are solely responsible for your User Content and warrant that it is lawful, accurate to the best of your knowledge, relevant to the insurance analysis you request, not misleading, not malicious, and that you have all rights, permissions and lawful bases required to upload and use it through the Service.

InsurAGI may rely on User Content as provided and has no obligation to independently verify its accuracy, completeness, authenticity, legal effect or relevance. Insurance documents may contain sensitive information. You should only upload or type such information where it is necessary for the insurance analysis you request. InsurAGI may remove, restrict, preserve or refuse to process User Content where reasonably necessary under these Terms, the Acceptable Use Policy, the Integrity Policy or applicable law.

You retain ownership of your User Content. You grant InsurAGI the right to host, store, copy, process, analyse, display and otherwise use User Content as necessary to provide, operate, secure, maintain, support and enforce the Service, handle support and legal matters, comply with applicable law, and exercise rights under these Terms. For clarity, InsurAGI does not use User Content to train or fine-tune AI models, build marketing audiences or carry out unrelated product development, except where separately disclosed and lawfully permitted as described in the Integrity Policy.

Personal Data

InsurAGI processes personal data in accordance with the Integrity Policy. Cookies and similar technologies are described in the Cookie Policy.

Insurance Information and Third-Party Account Access

When you choose to use InsurAGI's Services, you may need to provide insurance-related information from the relevant companies that have provided your insurance. Unless InsurAGI expressly offers a secure account-linking feature, you must not provide login credentials, passwords, authentication codes or similar access details for insurance-provider accounts or other third-party services through the Service. If InsurAGI offers account-linking or third-party data retrieval, you agree and instruct InsurAGI to retrieve your insurance-related information from those external user accounts in order to provide you with the Service in accordance with these Terms of Use, subject to the separate information, authorisation and consent provided in the relevant flow.

InsurAGI is not responsible for making sure that any information you provide or authorise InsurAGI to retrieve in connection with the Services is correct, complete, accurate, up to date, authentic, legally effective or relevant. If you cannot provide or authorise access to correct and complete information, InsurAGI may not be able to provide you with the Service.

Where InsurAGI offers account-linking or third-party data retrieval, InsurAGI will not approve third-party terms of use or similar terms on your behalf unless this has been clearly disclosed in the relevant flow and you have expressly authorised InsurAGI to do so.

Copyright and Intellectual Property

Save for User Content, the content of InsurAGI's mobile app and website, which includes, but is not limited to, all Intellectual Property Rights (as defined below), is the property of InsurAGI or its Affiliates (as defined below) or is used with the authorization of its owners, and accordingly is protected by copyright, trademark, patent and all other intellectual property rights which exist under applicable law.

'Intellectual Property Rights', for the purposes of these Terms of Use, means any and all industrial and intellectual property rights and all rights associated therewith, throughout the world, including all patents and applications and all reissues, divisions, renewals, extensions, provisionals, continuations and continuations-in-part thereof; all inventions (whether patentable or not), invention disclosures, improvements, trade secrets, proprietary information, know-how, technology, technical data, proprietary processes and formulae, algorithms and specifications; customer and supplier lists; all industrial designs and registrations and applications therefor; all trade names, logos, trade dress, trademarks and service marks and related registrations, applications and goodwill; Internet domain name registrations and URLs; all copyrights and related registrations and applications; all mask works and related registrations and applications; all computer software (including source code, object code, firmware, development tools, files, records and data); all schematics, netlists, test methodologies and vectors, emulation and simulation tools and reports, and hardware development tools; all rights in prototypes and other devices; all databases and data collections and rights therein; and all moral and economic rights of authors and inventors, together with any similar or equivalent rights and all tangible embodiments of the foregoing.

Service Limitations and Disclaimers

Neither InsurAGI, nor any of its Affiliates (as defined below), makes any representation or warranty about the suitability, reliability, availability, timeliness, security and/or accuracy of InsurAGI's services or any ancillary services thereto. To the maximum extent permitted by applicable law, the services performed by InsurAGI and all related information, software and products are provided without representations, warranties or conditions of any kind, including with respect to merchantability, fitness for a particular purpose, title and non-infringement.

'Affiliate' of any person shall, for the purposes of these Terms of Use, mean, as of any time, (i) any other person directly or indirectly controlled by or under the common control of that first-mentioned person and (ii) any other person(s) directly or indirectly controlling or jointly controlling such first-mentioned person (whereby 'control' means the possession, directly or indirectly, of the power to direct or influence the direction of the management or policies of a person, whether through ownership or otherwise).

All material, information and content that you find on the mobile app and/or website is furnished to you 'as is' and without guarantee of any sort, express or implied, including, among others, the implied warranty of merchantability or fitness for any particular purpose.

The Service is provided as-is and as-available, and InsurAGI does not guarantee that your use of the Service will correspond to your expectations, be timely, secure and/or free of error or interruptions. InsurAGI cannot be held responsible for the Services or Website being down or for any information or functionality being unavailable or not working as expected.

Any information, whether oral or written, obtained from InsurAGI or during the use of services made available on the mobile app and/or website shall not give rise to any guarantees which are not expressly provided for in the Terms of Use.

You access, use, browse and navigate InsurAGI's mobile app and/or website at your own risk and peril. This includes, but is not limited to, situations where third parties gain access to the Website, changing its content and adding damaging materials such as viruses, trojan horses, worms, time bombs, cancelbots, corrupted files or any other type of destructive software. InsurAGI will always strive to avoid such situations, but should such situations nevertheless arise, InsurAGI declines any and all responsibility for any Loss resulting therefrom.

Subject to the Limitation of Liability section and to the maximum extent permitted by mandatory law, neither InsurAGI, nor any of its Affiliates, nor any other party involved in creating, producing or delivering InsurAGI's mobile app and/or website or any of its content may be held liable for any direct, indirect or consequential damages arising from your or any other party's use and/or inability to use the app and/or website and/or the information contained therein.

All materials which are downloaded or obtained by any other manner during the use of InsurAGI's mobile app and/or website are at your own risk and peril. InsurAGI assumes no liability for any damage, virus and/or malware which could affect your computer equipment or other property by reason of your access to, use of or downloading of any material, or for any illegal intrusion or intervention in its IT systems.

InsurAGI reserves the right to interrupt or discontinue any or all of the functionality of its mobile app and/or website, and accepts no responsibility or liability whatsoever for any interruption or discontinuance resulting from actions or omissions of InsurAGI or any third party.

You are solely responsible for independently verifying all relevant insurance terms, policy documents, facts, exclusions, limits, deadlines, insurer communications and circumstances before making any decision, submitting or refraining from submitting a claim, accepting or rejecting any insurance position, cancelling or purchasing insurance, or taking or refraining from taking any other action based on the Service.

InsurAGI does not monitor, manage or assume responsibility for insurance claims, claim notifications, limitation periods, appeal periods, insurer deadlines, policy renewal dates, cancellation dates or other time-sensitive actions. You are solely responsible for communicating with insurers and other relevant parties and for complying with any applicable deadlines, requirements and procedures.

Acceptable Use, Suspension and Enforcement

You must comply with the Acceptable Use Policy when using the Website and the Services. The Acceptable Use Policy forms part of these Terms of Use and sets out permitted and prohibited uses, upload rules, AI misuse restrictions, security and system-integrity restrictions, intellectual-property and commercial restrictions, reporting obligations and enforcement measures.

Any breach of the Acceptable Use Policy constitutes a breach of these Terms of Use. InsurAGI may enforce the Acceptable Use Policy in accordance with its terms and may exercise any other rights or remedies available under these Terms of Use, applicable law or otherwise.

User Responsibility and Indemnity

To the extent permitted by mandatory law, you are responsible for and shall compensate InsurAGI, its directors, officers, employees, contractors, service providers and licensors for third-party claims, losses, liabilities, damages, fines, penalties, costs and expenses, including reasonable legal fees, arising from or relating to: (a) your breach of these Terms or the Acceptable Use Policy; (b) your unlawful, inaccurate, misleading, malicious or rights-infringing User Content; (c) your infringement of third-party rights; (d) your misuse of outputs; (e) your use of the Service to support false, misleading or unlawful insurance claims, applications, complaints or requests; (f) your unauthorised sharing of third-party personal data; or (g) your failure to keep account credentials secure, except to the extent caused by InsurAGI's own breach, negligence or misconduct.

Limitation of Liability

In the event of a breach of these Terms of Use by InsurAGI, your right to compensation is limited to compensation for direct losses ('Loss') on a SEK for SEK basis due to such breach in accordance with this section.

Any payment made by InsurAGI pursuant to this section shall be deemed a reduction of the price you pay for InsurAGI's services.

Instead of compensating you in accordance with the above, InsurAGI shall have the right to remedy the subject of a claim for compensation, provided that InsurAGI (i) within twenty (20) business days (meaning days when commercial banks are open for general banking business, other than Internet banking, in Sweden) ('Business Days') after receipt of a notice from you gives you notice that it will exercise its right to remedy such subject matter of the claim, and (ii) to the extent such subject matter of the claim has not been remedied within sixty (60) Business Days from such notice, shall compensate you in accordance with the above for any remaining Loss.

You shall not be entitled to compensation for a Loss unless (i) the amount of the individual Loss which is recoverable under these Terms of Use exceeds SEK 5,000 and (ii) the aggregate amount of such recoverable Losses equals or exceeds SEK 15,000, in which case the entire amount shall be recoverable.

The total liability of InsurAGI under these Terms of Use shall in no circumstance exceed SEK 50,000.

A contingent liability shall not constitute a Loss unless and until such contingent liability becomes an actual liability and is due and payable.

InsurAGI shall not be liable to compensate you for any Losses:

• that have been recovered, or are recoverable, by you from any third party, or for which you or your Affiliates otherwise receive compensation, including any amount that may be recovered under a policy of insurance held by you or your Affiliates;
• to the extent that the fact, matter, occurrence or event giving rise thereto has been disclosed in these Terms of Use, was available in the public domain or was a matter of public record prior to your acceptance of these Terms of Use (the 'Acceptance Date'), or was otherwise known or ought reasonably to have been known by you or your Affiliates prior to or on the Acceptance Date;
• that occur as a result of any applicable law not in force on the Acceptance Date (or any alteration or repeal of any applicable law in force on the Acceptance Date), that takes effect retroactively, or that occurs as a result of any increase in the tax rate in force on the Acceptance Date or any change in the practices of the relevant governmental authority or courts;
• that would not have arisen but for any act, omission or transaction carried out by, at the request of or with the consent of you or your Affiliates before or after the Acceptance Date; or
• that arise from your reliance on the Service without independent verification, any insurance claim, denied cover, reduced compensation, missed deadline, purchase, cancellation or non-purchase of insurance, or any communication, dispute or relationship with an insurer or other third party.

If any Loss that is compensable under these Terms of Use is a tax-deductible item for you or any of your Affiliates, the compensation payable by InsurAGI hereunder shall be reduced by the tax rate applicable in the relevant jurisdiction at the time of the Loss.

You shall take all action to mitigate any compensable Loss, including but not limited to taking measures to enforce any recovery that can be obtained from a third party before taking action against InsurAGI.

If and to the extent you have been compensated for a Loss by InsurAGI, and you or your Affiliates are subsequently able to recover such Loss (attributable to the same subject matter) from a third party, you shall repay such amount to InsurAGI, or such other person that InsurAGI designates, without undue delay up to the amount for which you have been compensated by InsurAGI.

Changes to the Service

InsurAGI may update, modify, replace, restrict, suspend or discontinue the Service or any feature, model, workflow, provider, integration, output format, pricing plan or technical component to maintain or improve the Service, manage costs, reflect vendor/model changes, develop the product, comply with law, prevent misuse, address security or operational risks, or for other legitimate business reasons. For paid continuous access, material changes that negatively affect your use of the Service will be handled in accordance with applicable consumer law, including any notice or termination rights required by law.

Third-Party Links and Services

The Service may contain links to, rely on or integrate with third-party websites, services, APIs, model providers, OCR providers, cloud providers, analytics providers or payment providers. Third-party services are governed by their own terms and policies. InsurAGI does not control and is not responsible for third-party services, their content, availability, security, accuracy, acts, omissions, changes or failures, except to the extent required by mandatory law.

Password Reset and Account Credentials

InsurAGI does not keep your password in a recoverable form.

If you forget your password, you may use the password reset function made available in the Service. InsurAGI may send a password-reset link or one-time code to your registered email address or use another secure reset method.

You are responsible for maintaining control over your email account, devices, authentication methods and account credentials. InsurAGI is not responsible for unauthorised access caused by your failure to protect credentials, devices, email access or authentication methods, except to the extent required by mandatory law.

Sanctions and Legal Restrictions

InsurAGI may refuse, restrict, suspend or terminate access to the Service where InsurAGI reasonably believes that providing the Service may breach or expose InsurAGI to risk under applicable sanctions, export control, anti-money laundering, counter-terrorism financing, fraud-prevention or similar laws, rules, orders or requirements.

Miscellaneous

These Terms of Use embody the entire agreement between InsurAGI and you concerning your access to and use of InsurAGI's mobile app, website, Services and content. Any additional terms or conditions issued by InsurAGI in relation to specific services, subscriptions, purchases, features or promotions shall supplement these Terms of Use and apply to the relevant subject matter.

The Services are intended to be used only where such use is lawful and where InsurAGI makes the Services available. InsurAGI makes no representation that the Services or any content are appropriate or available for use in all jurisdictions. You are responsible for ensuring that your access to and use of the Services is lawful in your jurisdiction.

Where you are a consumer and have a statutory right of withdrawal under applicable law, you acknowledge and expressly agree that InsurAGI may begin performing the Services and/or providing access to digital content before the expiry of the statutory withdrawal period, where you have expressly requested or consented to such early performance or access. To the extent permitted by applicable law, you acknowledge and agree that you may lose your right of withdrawal once the relevant Service has been fully performed or, in the case of digital content supplied otherwise than on a physical medium, once the supply has begun after your express consent and acknowledgement that the right of withdrawal will thereby be lost.

Should your access to the Services be terminated, you will remain bound by those provisions of these Terms of Use and any additional conditions which by their nature are intended to survive termination, including provisions concerning your obligations, restrictions on use, intellectual property, exclusions and limitations of liability, governing law and dispute resolution. InsurAGI is not liable to you or any third party for any termination or suspension of your access in accordance with these Terms of Use. You may cancel your registration for the Services at any time, without prejudice to any provisions which survive such cancellation.

The fact that InsurAGI tolerates a violation by you of any obligation set out in these Terms of Use, or does not enforce any right attributed to it, shall not be construed as a waiver of its rights.

InsurAGI may assign, transfer, pledge or grant any other security interest in or over any of its rights under these Terms of Use without your prior consent, provided that such assignment or transfer does not reduce any mandatory rights you may have under applicable consumer protection law.

If any provision of these Terms of Use, or part thereof, is held to be illegal, invalid or unenforceable under applicable law, regulation or court ruling, such provision or part shall be deemed severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect between you and InsurAGI.

Unless expressly provided to the contrary, a person who is not a party to these Terms of Use has no right to enforce or enjoy the benefit of any term of these Terms of Use. InsurAGI may engage subcontractors and other third-party service providers to perform or support all or part of the Services and its operations.

In the event of any conflict between these Terms of Use and any other terms and conditions or agreements between InsurAGI and you, these Terms of Use shall prevail unless the other terms expressly state that they prevail for the relevant service, subscription, purchase or subject matter.

The headings of these Terms of Use are for convenience only and shall not alter or modify these Terms of Use in any manner.

These Terms of Use shall be governed by and construed in accordance with Swedish law, without regard to its conflict-of-law rules.

Swedish courts shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms of Use or your use of InsurAGI's mobile app and/or website. Nothing in these Terms of Use limits any mandatory right you may have to bring a claim before another competent court or to have a dispute considered by an applicable consumer dispute resolution body.