1. Agreement and eligibility
By creating an account, signing an order form, starting a paid subscription, or using a Service, you agree to these Terms, our Privacy Policy, Billing & Cancellation Policy, Money-Back Guarantee, and Acceptable Use Policy. You represent that you are at least 18 and have authority to bind the business you represent. “Customer,” “you,” and “your” include that business and its authorized users.
If you use the Services for an agency, brokerage, insured, or other organization, you are responsible for ensuring your users and activities comply with these Terms and applicable law.
2. The services
LossRuns AI
LossRuns AI helps authorized insurance professionals identify policy history, prepare and transmit agent-of-record and non-agent-of-record loss-run requests, manage authorizations, follow up with carriers, receive and store documents, and extract or organize information from those documents.
LossRuns AI Sites
LossRuns AI Sites provides a managed transportation-insurance website, quote-capture workflows, hosting, maintenance, and—depending on the selected plan—Google Business Profile support, review workflows, lead follow-up, scheduling, tracking, reporting, or search-oriented pages.
Features, integrations, limits, implementation scope, and support levels may vary by plan or order form. We may improve or change a Service so long as we do not materially reduce the core paid functionality during the current billing period.
3. Accounts and security
You must provide accurate account information, keep credentials confidential, use reasonable security controls, promptly remove access for departed personnel, and notify us at hello@lossruns.ai of suspected unauthorized access. You are responsible for activity under your account unless caused by our breach of these Terms.
5. AI output and insurance information
AI extraction, summaries, carrier-history information, public-record information, and automated classifications can be incomplete or inaccurate. Source documents and carrier records control. You must use qualified personnel to review output before relying on it. We do not guarantee that a carrier will respond, that a loss run will be accepted as current or complete, or that any prospect will receive a quote or coverage.
The Services accelerate administrative work; they do not replace professional judgment or your compliance obligations.
6. LossRuns AI Sites terms
You will provide timely access, approvals, brand materials, domain settings, accurate licensing information, legally compliant copy, and any required privacy or insurance disclosures. Timelines pause while we wait for customer materials or approval.
- Routine maintenance and reasonable content updates are included as described in your plan. Redesigns, custom development, paid media, large migrations, and third-party fees require separate approval unless expressly included.
- You are responsible for insurance claims, offers, carrier appointments, licensing statements, testimonials, and other factual content published for your agency.
- Google rankings, lead volume, review volume, ratings, placement, and revenue are not guaranteed. Google and other platforms control their own products and policies.
- Review requests must seek genuine feedback without filtering, purchasing, fabricating, or improperly incentivizing positive reviews.
- Domains registered to you remain yours. If we manage a domain on your behalf, you must keep registration and contact information current and pay any disclosed third-party charges.
7. Content, licenses, and ownership
You retain ownership of information, documents, logos, trademarks, copy, and other materials you submit (“Customer Content”). You grant us a worldwide, non-exclusive license to host, copy, transmit, transform, and display Customer Content only as needed to provide, secure, support, and improve the Services or comply with law.
We and our licensors retain the platform, workflows, templates, reusable layouts, software, models, know-how, and other pre-existing or generally reusable materials. During an active Sites subscription, you receive a limited, non-transferable license to use the delivered website. On cancellation, we will reasonably cooperate with transfer of your domain and provide your Customer Content in a commonly usable form on request; our hosted site, platform code, templates, and licensed components are not transferred unless a written order form says otherwise.
You may give feedback, and we may use it without restriction or obligation. We will not publicly identify you or use your marks in marketing without permission.
8. Fees, recurring subscriptions, and refunds
Paid plans renew automatically at the interval and price shown at checkout or in your order form until canceled. You authorize us and our payment processor to charge the payment method on file for subscription fees, approved add-ons, usage-based amounts, and taxes. Our Billing & Cancellation Policy explains renewals, failed payments, price changes, cancellation, and refunds. Eligible first-time purchases are protected by our 30-Day Money-Back Guarantee.
9. Confidentiality and data protection
Each party may receive non-public business, customer, technical, or financial information. The receiving party will use reasonable care, use it only for the relationship, and disclose it only to personnel and providers who need it and are bound to protect it. These duties do not apply to information that is public without breach, independently developed, rightfully received from another source, or required to be disclosed by law.
Our Privacy Policy explains our data practices. For Customer Content, the customer generally determines the purpose of processing and we process it to provide the Services. A separate data-processing addendum may be made available when appropriate.
10. Third-party services and integrations
The Services may connect with Stripe, FMCSA or other public data sources, carriers, email services, AMS providers such as Momentum, hosting providers, AI providers, Google, and other third parties. Their services are governed by their own terms and may change or become unavailable. We are not responsible for third-party systems, but we remain responsible for our obligations when we use vendors to process data on our behalf.
11. Disclaimers
Except for the express Money-Back Guarantee and to the maximum extent permitted by law, the Services are provided “as is” and “as available.” We disclaim implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing. We do not promise uninterrupted operation, error-free extraction, carrier response times, search rankings, leads, quotes, placements, renewals, or financial results. Nothing in these Terms limits rights that cannot legally be waived.
12. Limitation of liability and indemnity
To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, goodwill, or data, even if advised of the possibility. Our total liability arising from the Services will not exceed the fees you paid us for the affected Service during the 12 months before the event giving rise to the claim. These limits do not apply where prohibited by law or to fraud, willful misconduct, or obligations that cannot legally be limited.
You will defend and indemnify LossRuns AI from third-party claims arising from your Customer Content, unlawful or unauthorized requests, instructions, website statements, marketing messages, reviews, or material breach of these Terms. We will promptly notify you and allow reasonable control of the defense, subject to our right to participate.
13. Suspension and termination
You may cancel as described in the Billing & Cancellation Policy. We may suspend access when reasonably necessary to address a security risk, unlawful conduct, nonpayment, or material breach. When practical, we will give notice and an opportunity to cure. Either party may terminate for an uncured material breach after 10 days’ written notice, or immediately if cure is not possible.
After termination, your access ends. Upon request made within 30 days, we will provide a reasonable export of available Customer Content unless prohibited by law, subject to technical feasibility and payment of undisputed amounts. We may retain data as described in the Privacy Policy.
14. Disputes and general terms
Before filing a claim, each party will give written notice and try in good faith for 30 days to resolve the issue. These Terms are governed by applicable United States law and the law of the jurisdiction in which LossRuns AI is organized, without regard to conflict-of-law principles. Courts with jurisdiction over our principal place of business will have exclusive venue, except either party may seek injunctive relief for misuse of confidential information or intellectual property.
You may not assign these Terms without our consent, except with a merger, reorganization, or sale of substantially all relevant assets. We may assign them as part of a corporate transaction. If a provision is unenforceable, the remainder remains effective. Failure to enforce a provision is not a waiver. Electronic notices and signatures are valid. These Terms, linked policies, order forms, and any signed addenda are the entire agreement regarding the Services.
We may update these Terms. Material changes will apply prospectively, and we will provide reasonable notice through the Service or by email. Continued use after the effective date means acceptance; if you disagree, you may cancel before the change takes effect.
15. Contact
Questions, legal notices, and cancellation or refund requests may be sent to hello@lossruns.ai. Please include your business name, account email, and the product involved.