Terms of Service

1. Agreement to Terms

By accessing or using the ClaritAI platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms apply to all users of the platform, including individuals and agencies.

2. Description of Service

ClaritAI provides an AI adoption platform for insurance agencies, including tools for AI safety assessment, policy generation, prompt libraries, implementation roadmaps, tool recommendations, and AI advisory services. The Service is intended for use by licensed insurance professionals and their staff.

ClaritAI provides educational and informational resources only. Nothing on the platform constitutes legal advice, compliance advice, or a guarantee of regulatory compliance. You are responsible for ensuring your agency's practices comply with all applicable laws and regulations.

3. Account Registration

To use ClaritAI, you must create an account with a valid email address. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account at support@claritai.com.

You must provide accurate and complete information when creating your account. Accounts may not be shared between multiple individuals or agencies.

4. Payment and Refund Policy

ClaritAI is offered as a one-time payment product. By completing payment, you receive lifetime access to the platform and all future updates included at the time of purchase.

30-Day Money-Back Guarantee: If you are not satisfied with ClaritAI for any reason within 30 days of your purchase, contact us at support@claritai.com and we will issue a full refund to your original payment method. Refunds are processed within 5–10 business days depending on your financial institution.

After 30 days, all sales are final. We do not offer refunds for accounts that have been active for more than 30 days.

All payments are processed securely through Stripe. We do not store your payment information.

5. Acceptable Use

You agree to use ClaritAI only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the platform to store, transmit, or process client personally identifiable information (PII) including SSNs, dates of birth, policy numbers, or financial account information
• Share your account credentials with others or allow multiple users to access the platform under a single account
• Attempt to reverse engineer, copy, or reproduce the platform's content, prompts, or tools for commercial use
• Use the platform in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the platform or its underlying systems
• Use automated means to scrape, extract, or download platform content

6. Intellectual Property

All content on the ClaritAI platform — including the SAFE Framework, prompt library, assessment questions, tool evaluations, and all written materials — is owned by ClaritAI and protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the platform content for your own agency's internal business purposes. You may not reproduce, distribute, sell, or create derivative works from ClaritAI content without our written permission.

7. AI-Generated Content Disclaimer

The AI Advisor Chat and other AI-powered features on the platform generate responses based on your inputs. These responses are provided for informational and educational purposes only. ClaritAI does not warrant the accuracy, completeness, or fitness for any particular purpose of AI-generated content.

AI-generated content should always be reviewed by a licensed professional before use in client communications or compliance documentation. You are solely responsible for how you use AI-generated outputs from this platform.

8. No Professional Advice

ClaritAI is an educational platform. Nothing on the platform constitutes legal advice, compliance advice, insurance advice, or professional consulting services of any kind. The AI Policy Generator produces template documents for educational purposes — they should be reviewed by qualified legal counsel before use.

ClaritAI is not responsible for any regulatory, legal, or E&O consequences arising from your use of platform content or tools.

9. Limitation of Liability

To the fullest extent permitted by applicable law, ClaritAI shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, including but not limited to loss of data, loss of revenue, or regulatory penalties.

ClaritAI's total liability to you for any claims arising from these Terms or your use of the platform shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

10. Termination

We reserve the right to suspend or terminate your account at our discretion if you violate these Terms, engage in fraudulent activity, or use the platform in a manner that harms other users or the integrity of the Service. In the event of termination for cause, no refund will be issued.

You may cancel your account at any time by contacting support@claritai.com.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice on the platform. Your continued use of ClaritAI after changes are posted constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the United States. Any disputes arising from these Terms or your use of ClaritAI shall be resolved through binding arbitration, except where prohibited by law.

13. Contact

For any questions about these Terms, contact us at support@claritai.com.