Terms of Use

1. Acceptance of these terms

These Terms of Use are an agreement between you and InsureAI Wire ("we," "us") governing your use of the website at insureaiwire.com and our email newsletter (together, the "Service"). By using the Service, you agree to these terms and to our privacy policy. If you do not agree, do not use the Service.

2. Our services

The Service is intended for a United States audience and is not directed to any jurisdiction where its distribution would be contrary to local law. If you access the Service from outside the United States, you do so on your own initiative and are responsible for compliance with local law, to the extent it applies.

3. Informational content only

The Service provides information and analysis about insurance AI regulation for general educational purposes. It is not legal advice, and nothing on the Service creates an attorney-client or advisory relationship. You are responsible for verifying information against primary sources and consulting qualified counsel before acting. See our disclaimer, which is part of these terms.

4. Intellectual property and limited license

The Service and its original content, including articles, data compilations, illustrations, and design, are owned by InsureAI Wire and protected by copyright and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal and internal professional purposes. Regulatory documents we link to remain the work of their issuing bodies. Except as set out in this section, no part of the Service may be reproduced, republished, or exploited for any commercial purpose without our prior written permission. Any breach of this section is a material breach of these terms.

Tips and other submissions. If you send us a tip, story idea, correction, suggestion, or other feedback about the Service, you agree that we may use it for any lawful purpose, including publishing a story based on it, without compensation or attribution to you unless we agree otherwise. Do not send us anything you consider confidential.

5. Quoting, republication, and AI systems

You may, without asking us:

Link to any page of the Service.
Quote brief excerpts, including in AI-generated answers, with attribution to InsureAI Wire and a link to the original page.
Share our articles internally within your organization in unmodified form.

You may not, without our prior written permission:

Republish articles or substantial portions of them, on any medium.
Use the Service's content to train, fine-tune, or improve a machine-learning model, or to build a dataset or competing publication.
Systematically scrape, harvest, or bulk-download content from the Service.

To request republication or licensing, email hello@insureaiwire.com.

6. User representations

By using the Service, you represent that:

you have the legal capacity to agree to these terms;
you are at least 18 years old;
you will not access the Service through a bot, scraper, or other automated means, other than standard search-engine indexing;
you will not use the Service for any unlawful purpose; and
your use of the Service will not violate any applicable law or regulation.

7. Acceptable use

In connection with the Service, you agree not to:

Violate any applicable law or regulation.
Circumvent or probe the security of the Service, or interfere with its operation or infrastructure.
Attempt to bypass any measure we use to restrict or protect access to the Service.
Impersonate another person or misrepresent your identity.
Misrepresent your affiliation with InsureAI Wire or pass our work off as your own.
Subscribe email addresses you do not control to the newsletter.
Trick, defraud, or mislead us or other users of the Service.
Disparage, tarnish, or otherwise harm, in our opinion, InsureAI Wire or the Service.
Use information obtained from the Service to harass, abuse, or harm another person.
Submit a false report of abuse or misconduct, or otherwise make improper use of our tip, correction, or contact channels.
Engage in unauthorized framing of, or deep-linking to, the Service.
Upload or transmit viruses, Trojan horses, or other material, including through excessive automated requests or spamming, that interferes with anyone's use of the Service or disrupts its operation.
Engage in any automated use of the Service, such as using a script to submit forms or any data-mining, robot, or similar data-gathering tool, other than standard search-engine indexing.
Delete or alter any copyright or other proprietary-rights notice on the Service.
Copy, adapt, decompile, disassemble, or reverse-engineer any software comprising the Service, except as permitted by applicable law.
Harass, threaten, or intimidate anyone who works on or provides the Service.
Use the Service as part of an effort to compete with us, or for any revenue-generating purpose we have not approved.

The newsletter is free. You can unsubscribe at any time using the link in every email. Delivery is provided through Beehiiv, whose terms apply to the subscription infrastructure. We may change the newsletter's format or cadence, or discontinue it, at any time.

9. Third-party sites and content

The Service links extensively to third-party sites: regulators, law firms, and news sources. Those links are provided for convenience and verification; we do not control and are not responsible for their content, and a link is not an endorsement.

10. Services management

We may, but are not obligated to, monitor the Service for violations of these terms and take appropriate action against anyone who, in our judgment, violates the law or these terms, including reporting them to law enforcement. We otherwise manage the Service in a manner designed to protect our rights and the proper functioning of the Service.

11. Term and termination

These terms remain in effect while you use the Service. Without limiting any other provision of these terms, we reserve the right, in our sole discretion and without notice or liability, to deny access to and use of the Service, including by blocking specific IP addresses, to any person for any reason, including a breach of any representation, warranty, or covenant in these terms or of any applicable law. In addition to denying or terminating access, we reserve the right to pursue appropriate legal action, including civil, criminal, and injunctive relief.

12. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Service at any time or for any reason, at our sole discretion and without notice, and we have no obligation to update any information on the Service. We cannot guarantee the Service will be available at all times; we may experience hardware, software, or other problems, or need to perform maintenance, resulting in interruptions, delays, or errors. We reserve the right to change, revise, suspend, discontinue, or otherwise modify the Service at any time without notice to you. You agree that we have no liability for any loss, damage, or inconvenience caused by your inability to access or use the Service during any downtime or discontinuance. Nothing in these terms obligates us to maintain, support, or supply any corrections, updates, or releases in connection with the Service.

13. Corrections

The Service may contain typographical errors, inaccuracies, or omissions. We reserve the right to correct these and to change or update information on the Service at any time, without prior notice. For how we handle corrections to published articles specifically, see our editorial policy.

14. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR CURRENT AT ALL TIMES, AND YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY: (1) ERRORS, MISTAKES, OR INACCURACIES IN CONTENT; (2) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY KIND RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICE; (3) UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND ANY INFORMATION STORED THERE; (4) INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICE; (5) BUGS, VIRUSES, OR TROJAN HORSES TRANSMITTED TO OR THROUGH THE SERVICE BY ANY THIRD PARTY; OR (6) ERRORS OR OMISSIONS IN ANY CONTENT, OR LOSS OR DAMAGE OF ANY KIND INCURRED FROM THE USE OF CONTENT MADE AVAILABLE VIA THE SERVICE. WE DO NOT WARRANT, ENDORSE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICE OR ANY HYPERLINKED WEBSITE.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, INSUREAI WIRE AND ITS EDITORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, BUSINESS, OR DATA, ARISING FROM YOUR USE OF OR RELIANCE ON THE SERVICE. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

16. Time limit to bring a claim

Any claim arising from these terms or the Service must be brought within one (1) year after the claim arose, or it is permanently barred, to the extent permitted by applicable law.

17. Indemnification

You agree to defend, indemnify, and hold InsureAI Wire and its editors harmless from any loss, damage, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of: (1) your use of the Service; (2) your breach of these terms; (3) any breach of your representations and warranties in these terms; or (4) your violation of the rights of a third party, including intellectual property rights. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims. We will use reasonable efforts to notify you of any such claim upon becoming aware of it.

18. Governing law and venue

These terms are governed by the laws of the State of Illinois, United States, without regard to conflict-of-law principles. Any dispute arising from these terms or the Service will be resolved exclusively in the state or federal courts located in Illinois, and you consent to their jurisdiction.

19. Electronic communications

Visiting the Service, emailing us, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that any agreements, notices, disclosures, and other communications we provide electronically, via email or on the Service, satisfy any legal requirement that such communications be in writing. You agree to the use of electronic signatures, contracts, and records, and to electronic delivery of notices and records of any transaction initiated or completed by us or via the Service. You waive any right or requirement under any statute or regulation in any jurisdiction that requires an original signature or the delivery or retention of a non-electronic record.

20. Changes to these terms

We may update these terms from time to time. The effective date below reflects the current version, and material changes will be noted on this page. Your continued use of the Service after a change takes effect constitutes acceptance.

21. General

These terms, together with the privacy policy and disclaimer, are the entire agreement between you and us about the Service. Our failure to exercise or enforce any right or provision of these terms is not a waiver of it. We may assign any or all of our rights and obligations to others at any time. We are not responsible for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision of these terms is found unlawful, void, or unenforceable, that provision is severable from these terms and does not affect the validity of the remaining provisions. No joint venture, partnership, employment, or agency relationship is created between you and us by these terms or your use of the Service. You agree that these terms will not be construed against us merely because we drafted them.

22. Contact

Questions about these terms? Email hello@insureaiwire.com or use the contact page.