Last Updated: December 26, 2025

Welcome to Insuraviews.com (the "Site"). These Terms of Use (the“Terms”) are a legally binding agreement between you and Insuraviews (together with its affiliates,“Insuraviews,” “we,” "us,”or“our”) governing your access to and use of the Site and any content, functionality, and services offered on or through the Site (collectively, the“Services”).

By accessing or using the Site or Services, including by clicking “I agree” (or a similar button) or by creating an account, “you” agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site or Services.

You may use the Site and Services only if you (a) are at least eighteen (18) years of age (or the age of majority in your jurisdiction, if higher), and (b) have the legal power to form a binding contract with Insuraviews. If you access or use the Site or Services on behalf of a company or other legal entity, you represent and warrant that you have authority to bind that entity, and “you” will refer to that entity.
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1. Acceptance of Terms; Additional Terms

These Terms constitute the entire, legally binding agreement between you and Insuraviews regarding your use of the Site. By accessing or using any part of the Site or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Privacy; Consent to Monitoring and Tracking Technologies

• Privacy Policy. Our privacy policy located at https://insuraviews.com/privacy-policy (“Privacy Policy”), which is hereby incorporated by reference into these Terms, describes how we collect, use, and share information about you when you use theSite and Services, including via cookies, pixels, analytics tools, session-replay tools, chat or messaging tools, and other similar technologies(“Tracking Technologies”). By accessing or using the Site or Services, you agree to the Privacy Policy in addition to these Terms.‍
• Monitoring and Collection of Technical and Routing Information. To operate, maintain, secure, and improve the Site and Services, we and our service providers may automatically collect, record, and log information about your interactions with the Site andServices and associated dialing, routing, addressing, or signaling information, such as your IP address, device identifiers, browser type, pages visited, date and time stamps, and similar technical data, through Tracking Technologies and server logs.‍
• Consent to Monitoring and Use of Tracking Technologies. To the extent required by applicable law (including, where applicable, the California Invasion of Privacy Act), you consent to our and our service providers’ use of Tracking Technologies and other processes described in these Terms and the Privacy Policy to monitor, record, and collect information about your interactions with the Site andServices for the purposes described in the Privacy Policy. If you do not agree, you must not use the Site or Services and may contact us using the information in the Privacy Policy or in Section 10 for alternative ways to interact with us.
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2. Description of Service

The Site provides a platform designed to empower insurance leaders with strategic insights through access to and analysis of insurance rate filings and related analytics tools.

We may, in our sole discretion, add, modify, or discontinue any features or functionality of the Site and Services at any time, provided that we will not materially reduce the core functionality of any paid subscription during its then-current term without using commercially reasonable efforts to notify affected subscribers.

“AI Features” means any functionality of the Services that uses artificial intelligence or machine learning models, including without limitation automated analysis of insurance filings, natural language outputs, summaries, insights, or other generated content.

“AI Output” means any text, data, analysis, recommendation, summary, or other content generated or returned by the AI Features. You acknowledge that AI Features and AI Output are probabilistic in nature and may generate inaccurate, incomplete, or otherwise misleading results, including “hallucinated” content that is not based on underlying data. Insuraviews does not guarantee that any AI Output is correct, complete, current, or fit for any particular purpose. You further acknowledge that AI Features and AI Output do not constitute legal, actuarial, regulatory, or other professional advice, and are not a substitute for reviewing, validation, and approving all AI Output before relying on it or using it in any communication, decision, filing, or other activity.
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3. User Accounts

If you create an account on our Site:

• Account Information. You  agree to provide accurate, current, and complete information during the     registration process and to update such information as needed to keep it accurate, current, and complete
• Account Security. You are responsible for maintaining the confidentiality of your account credentials, including your username and password, and for     restricting access to your account. You agree to notify us promptly at the contact details below of any actual or suspected unauthorized access to or use of your account or credentials.
• Responsibility for Use. You are responsible for all activities that occur under your account, whether or not authorized by you, except to the extent such activities result from our failure to implement reasonable security safeguards.
• Business Accounts. If you are accessing the Site or Services on behalf of an organization, you understand and agree that (a) your organization may control and administer your use of the Services, and (b) Insuraviews may rely on instructions from your organization regarding your account.
• Suspension/Termination. We reserve the right to suspend or terminate your     account or access to all or any part of the Site or Services at any time, with or without notice, if we reasonably believe you have violated these Terms or applicable law, or if your use poses a security or other material risk to us, the Services, or other users.
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4. User Content

The Site may allow you to submit, upload, publish, or otherwise make available content, including but not limited to reviews, comments, ratings, and other information ("User Content"). Unless directed by you otherwise, we will not share User Content with other users of the Site.

You retain all rights in and to your User Content, as between you and Insuraviews.

By making any User Content available through the Site or Services, you grant to Insuraviews a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use, copy, modify, create derivative works based upon, distribute, publicly display, publicly perform, and otherwise exploit your User Content and AI Output in connection with operating, improving, marketing, and providing the Site and Services.

• You represent and warrant that:
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  • You either are the sole and exclusive owner of all User Content or you have all rights, licenses, consents, releases, and permissions that are necessary to grant to us the rights granted herein; and
  • Neither the User Content nor your making it available, nor our use of it as authorized under these Terms, will infringe, misappropriate, or violate any third-party rights (including patent, copyright, trademark, trade secret, moral rights, or rights of privacy or publicity) or violate any applicable law or regulation.
    
  • You are solely responsible for ensuring that your use of the AI Features and AI Output complies with applicable law, regulatory guidance, and industry standards, and that your use of the AI Features and AI Output is your own risk, including without limitation how you choose to use or not use AI Output and any results, decisions, or outcomes arising from such use or non-use.

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• You agree not to post User Content that is:
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  • False, misleading, defamatory, libelous, threatening, harassing, or invasive of another’s privacy;
  • Obscene, pornographic, or otherwise offensive;
  • Infringing on the intellectual property or otherwise proprietary rights of others;
  • In violation of any applicable law or regulation that promotes illegal activities;
  • Spam, unsolicited advertising, or other unauthorized promotional materials; or
  • Containing viruses, worms, or other malicious code.

We reserve the right, but do not undertake any obligation, to review, monitor, filter, edit, or remove User Content at our sole discretion, at any time and for any reason or no reason, to the fullest extent permitted by applicable law. We are not responsible for User Content or for any loss or damage resulting therefrom.
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5. Prohibited Conduct

You agree that you will not, and will not permit any third party to:

• Use the Site or Services for any illegal purpose or in violation of any applicable law or regulation;
• Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;
• Interfere with or disrupt the operation of the Site or Services or the servers or networks used to make the Site or Services available;
• Attempt to gain unauthorized access to any portion of the Site, Services, or any systems or networks connected to the Site;
• Use any robot, spider, scraper, or other automated means to access the Site or Services for any purpose without our express written permission (except as may be allowed by applicable law, e.g. for bona fide search engine indexing);
• Engage in any conduct that restricts or inhibits anyone else from using or enjoying the Site or Services, or that, as determined by us, may harm Insuraviews or users of the Site or expose them to liability;.
• Transmit any viruses, worms, defects, Trojan horses, or any items of a destructive or harmful nature;
• Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Site or Services, except to the limited extent expressly allowed by applicable law notwithstanding this restriction;
• Remove, obscure, or alter any copyright, trademark, or other proprietary rights notices contained in or on the Site or Services; or
• Use the Site or Services for any high-risk activity where the failure of the Site or Services could lead to serious harm to persons or property.
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6. Intellectual Property

• The Site and Services and all original content, features, and functionality thereon (including but not limited to text, graphics, logos, images, software, and code) are owned by Insuraviews or its licensors and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
• Subject to your compliance with these Terms and any applicable subscription or order terms, Insuraviews grants you a limited, non-exclusive, non-transferable, non-sub-licensable, revocable license to access and use the Site and Services for your internal business purposes (or, if you are an individual consumer, for your personal, non-commercial use) in accordance with these Terms.
• Except as expressly permitted by these Terms or applicable law, you may not reproduce, modify, distribute, publicly display, publicly perform, republish, download, store, or transmit any material on our Site or Services.
• “Insuraviews” and the Insuraviews logo are trademarks or service marks of Insuraviews. You may not use any Insuraviews trademarks or service marks without our prior written consent.
• You own all right, title, and interest in and to AI Output and User Content.
•  We own all right, title, and interest in and to Site, Services, AI Features, and all libraries, code, configurations, and model weights related thereto.
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7. Third-Party Service Providers; Links and Services

•  We own all right, title, and interest in and to Site, Services, AI Features, and all libraries, code, configurations, and model weights related thereto.
• Third-Party Service Providers. We may engage third parties to provide hosting, analytics, session-replay, advertising, customer support, chat or messaging tools, and other services in connection with theSite and Services (collectively, “Service Providers”). Service Providers act on our behalf, and their access to information collected through the Site andServices is limited to what is reasonably necessary for them to perform services for us, subject to contractual obligations that they not use such information for their own independent purposes except as permitted in our Privacy Policy.
•  Third-Party Links and Services. The Site and Services may also contain links to, or allow you to access, third-party websites, services, or content that are not owned or controlled by Insuraviews. We do not endorse or assume responsibility for any such third-party sites, services, or content. If you access any third-party website or service from the Site or Services, you do so at your own risk and you understand that these Terms do not apply to your use of such sites or services. Those third parties may have their own terms and privacy policies, which we encourage you to review.
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8. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE, AND SERVICES (INCLUDING WITHOUT LIMITATION THE AI FEATURES AND AI OUTPUT) ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS, AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SITE OR SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, COMPLETENESS, RELIABILITY, OR TIMELINESS OFANY CONTENT AVAILABLE ON OR THROUGH THE SITEOR SERVICES, INCLUDING USER CONTENT. ANY RELIANCE ON SUCH CONTENT ISAT YOUR OWN RISK.

THE INFORMATION PROVIDED ON THIS SITEIS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED FINANCIAL, INSURANCE, LEGAL, OR PROFESSIONAL ADVICE. ALWAYS CONSULT WITH A QUALIFIED PROFESSIONAL BEFORE MAKING ANY DECISIONS.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR WARRANTIES WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
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9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INSURAVIEWS, ITS AFFILIATES, OFFICERS,DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE OR SERVICES SHALL NOT EXCEED, IN THE AGGREGATE, THE AMOUNTS YOU HAVE PAID TO INSURAVIEWS FOR ACCESS TO THE SITE OR SERVICES DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISETO THE CLAIM. IF YOU HAVE NOT PAID ANY AMOUNTS DURING SUCH PERIOD, OUR AGGREGATE LIABILITY SHALL BE LIMITED TO ONE HUNDRED U.S. DOLLARS (US$100).

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSURAVIEWS WILL HAVE NO LIABILITY ARISING OUT OF OR RELATING TO (A) YOUR RELIANCE ON ANY AI OUTPUT, OR (B) YOUR DECISIONS OR ACTIONS BASED IN WHOLE OR IN PART ON AI OUTPUT AND/OR AI FEATURES. NOTWITHSTANDING THE FOREGOING, NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, OR INJURY TO THE PERSON IN JURISDICTIONS WHERE SUCH LIMITATION IS NOT PERMITTED.

THE FOREGOING LIMITATIONS AND EXCLUSIONS SHALL APPLY EVEN IF ANY REMEDY PROVIDED HEREIN FAILS OF ITS ESSENTIAL PURPOSE.
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10. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Insuraviews, its affiliates, officers, directors, employees, agents, suppliers, and licensors from and against any and all third-party claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of or access to theSite or Services; (b) your violation of these Terms; (c) your User Content; (d) your selection, interpretation, or use ofAI Output; (e) your failure to implement appropriate human review and controls over the use of AI Output; or (f) your violation of any third-party right, including without limitation any intellectual property right, privacy right, or publicity right.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.
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11. Termination

We may terminate or suspend your access to all or any part of the Site or Services at any time, with or without cause, with or without notice, effective immediately, to the fullest extent permitted by applicable law. Upon termination, your right to use the Site and Services will immediately cease.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity obligations, and limitations of liability.
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12. Governing Law and Dispute Resolution  

• These Terms and any dispute arising out of or relating to these Terms, the Site, or the Services shall be governed by and construed in accordance with the laws of the State of Wisconsin, without giving effect to its conflict of law principles or rules that would require the application of the laws of another jurisdiction.
• Subject to any rights you may have under applicable law to bring claims in other courts, any legal suit, action, or proceeding arising out of or relating to these Terms or the Site or Services shall be instituted exclusively in the state or federal courts located in Milwaukee County,Wisconsin, and you and Insuraviews consent to the exclusive jurisdiction of such courts and waive any objection to venue therein, to the extent such waiver is permitted by applicable law.
• If you are an individual consumer using the Site or Services for personal, family, or household purposes, this Section is not intended to deprive you of any mandatory protections under the laws of your state of residence that cannot be waived by contract.
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13. Changes to These Terms and the Site

We may revise and update these Terms from time to time in our sole discretion. When we do so, we will revise the “Last Updated” date at the top of this page and, for material changes, we will use commercially reasonable efforts to provide additional notice (for example, by posting a notice on the Site or sending you an email).

Your continued use of theSite or Services after the effective date of any revised Terms constitutes youracceptance of the revised Terms. If you do not agree to any revised Terms,you must stop using the Site and Services.

We also reserve the right to modify or discontinue all or any part of the Site or Services at any time, with or without notice, subject to any contractual obligations we may have under a separate written subscription or services agreement with you.
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14. Copyright Complaints

Insuraviews respects the intellectual property rights of others and expects users of the Site andServices to do the same. If you believe that any content on the Site infringes your copyright, you may notify us by providing the following information in writing:

• A description of the copyrighted work you claim has been infringed;
• A description of the allegedly infringing material and where it is located on the Site;
• Your name, postal address, telephone number, and email address;
• A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
• A statement by you, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

We may not be able to respond to complaints that do not contain the information listed above.

You can contact our designated copyright agent at:

Email: info@insuraviews.com
Mail: Copyright Agent
Insuraviews
1433 N Water St
Milwaukee, WI 53202
United States