Terms of Service

The agreement between BoundOS, Inc. and the agencies that use BoundOS.

1. Overview and acceptance

These Terms of Service (“Terms”) govern access to and use of the BoundOS platform, websites, and services (the “Services”) provided by BoundOS, Inc., a Delaware corporation (“BoundOS”, “we”, “us”). By creating an account, accessing the Services, or clicking to accept, the organization you represent (the “Customer”, “you”) agrees to these Terms, and you represent that you are authorized to bind it. If you do not agree, do not use the Services.

2. Definitions

• Customer — the insurance agency or brokerage that holds the account.
• Authorized User — an individual (e.g., an agent) the Customer permits to use the Services under its account.
• End Client — the Customer’s own customer or prospect whose information appears in uploaded documents.
• Customer Data — documents, text, and information the Customer, its Authorized Users, or its website visitors submit to the Services, including insurance quotes, declarations pages, and claim documents.
• Output — the briefs, comparisons, summaries, answers, and draft materials the Services generate from Customer Data.

3. The Services

BoundOS provides AI-assisted tools for insurance professionals, which currently include: BoundBrief (renewal and quote-comparison briefs generated from uploaded PDFs), BoundChat(question-answering over a Customer’s uploaded documents), BoundClaim (draft claim-rebuttal analysis), and an embeddable website widget for lead capture. We may add, change, or discontinue features over time.

4. Accounts and Authorized Users

The Customer is responsible for its account, for all activity under it, and for its Authorized Users’ compliance with these Terms. Accounts and credentials are provisioned by BoundOS or the Customer’s administrator; where a temporary password is issued, the user is required to set a new password on first sign-in. You must keep credentials confidential and notify us promptly of any unauthorized access. Each Authorized User account is for one individual and must not be shared.

5. Your responsibilities and acceptable use

You represent and warrant that, for all Customer Data you submit, you have the necessary rights, authority, and consents — including from End Clients — to upload it and to have it processed as described in these Terms and the Privacy Policy. You agree to:

• use the Services only for lawful, legitimate insurance-business purposes;
• not upload documents you are not authorized to share, or that contain more sensitive personal information than necessary (for example, do not upload government identifiers such as Social Security numbers, or health information, unless expressly required and lawfully permitted);
• not attempt to breach tenant isolation, access another organization’s data, probe, or circumvent security or rate/usage limits;
• not reverse engineer, resell, or build a competing product from the Services;
• not use the Services to generate unlawful, infringing, or deceptive content.

We may suspend access for conduct that threatens the security, integrity, or lawful operation of the Services.

6. AI-generated Output — informational only; not insurance advice

AI systems can make mistakes and may misread, omit, or misstate figures. The Customer and its Authorized Users are responsible for independently reviewing and verifying all Output against the source documents and with a licensed professional before relying on it or sharing it with an End Client. BoundOS does not act as an insurance agent, broker, producer, adviser, or fiduciary, and assumes no errors-and-omissions or professional liability for decisions made using the Output. The Customer is responsible for its own regulatory and licensing obligations and for any communications it sends to End Clients.

7. Website widget and lead capture

If the Customer embeds the BoundOS widget on its own website, the Customer is solely responsible for its website, for authorizing the domains where the widget runs, and for providing its website visitors with any legally required notices and consents regarding the collection and AI processing of the documents and email addresses they submit. Visitor submissions are Customer Data and are processed to generate a proposal that is delivered to the visitor by email and made available to the Customer as a lead.

8. Data ownership and intellectual property

As between the parties, the Customer owns its Customer Data and its Output. The Customer grants BoundOS a non-exclusive, worldwide license to host, process, transmit, and display Customer Data solely to provide, secure, and support the Services. BoundOS owns the Services, software, and all related intellectual property. If you send us feedback, you grant us a perpetual, royalty-free license to use it to improve the Services.We do not sell Customer Data, and we do not use Customer Data to train our own or third parties’ foundation models.

9. Third-party subprocessors

The Services rely on third-party infrastructure and AI providers to function (see the Privacy Policy for the current list and purposes). By using the Services you authorize BoundOS to share Customer Data with these subprocessors solely to provide the Services, under confidentiality and data-protection obligations. Our AI providers process API inputs to return results and, per their terms, do not use them to train their models.

10. Warranties, disclaimers, and limitation of liability

The Services are provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty regarding the accuracy, completeness, or reliability of Output. To the maximum extent permitted by law, BoundOS will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill; and BoundOS’s total aggregate liability arising out of or relating to the Services will not exceed the greater of the amounts paid by the Customer to BoundOS in the twelve months before the claim, or one hundred U.S. dollars ($100). Some jurisdictions do not allow certain limitations, which may not apply to you.

Indemnification

The Customer will defend, indemnify, and hold BoundOS harmless from claims arising out of the Customer Data, the Customer’s use of the Services, its website and widget deployment, or its violation of these Terms or applicable law.

11. Term, suspension, and termination

These Terms apply while you use the Services. Either party may terminate per the applicable order or on notice. Upon termination we will, on request and within a commercially reasonable period, delete or return Customer Data, except for limited copies retained in backups or as required by law. Sections that by their nature should survive (ownership, disclaimers, liability, indemnity, governing law) survive termination.

12. Governing law and changes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. The parties agree that any dispute not otherwise resolved will be brought exclusively in the state or federal courts located in Collin County, Texas, and each party consents to the personal jurisdiction and venue of those courts. We may update these Terms; material changes will be posted here with an updated effective date, and continued use of the Services after they take effect constitutes acceptance.

13. Contact

Questions about these Terms: legal@boundos.app. BoundOS, Inc. is a Delaware corporation.