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Terms of Use

Last updated: 6/1/2026

These Terms of Use ("Terms") are a binding agreement between Polis Software, Inc. ("Polis," "we," "us," or "our") and the business entity that registers for or uses our Services ("Customer," "you," or "your"). By accessing or using the Services, or by clicking to accept these Terms, you agree to them on behalf of your organization and represent that you have authority to do so.

If you have signed a separate written agreement or order form with Polis, that agreement governs and controls over any conflicting term here.

1. The Services

Polis provides a software platform that uses artificial intelligence to help independent insurance agencies review policies, identify potential coverage gaps, and produce client-facing deliverables. We may update, add, or remove features over time. The Services are intended solely for business and professional use by licensed insurance professionals and their staff, not for use by consumers.

2. Eligibility and Accounts

You must be at least 18 years old and authorized to act for your organization. You are responsible for the accuracy of your registration information, for keeping account credentials secure, and for all activity under your account. Notify us promptly at help@getpolis.co of any unauthorized use. You may not share credentials or allow access to individuals outside your organization except as the Services permit.

3. Customer Data and License

Ownership. As between you and Polis, you retain all rights to the documents, records, and other content you submit to the Services ("Customer Data") and to the outputs generated for you.

License to us. You grant Polis a non-exclusive, worldwide license to host, copy, process, transmit, and display Customer Data solely as necessary to provide, secure, and support the Services and as directed by you.

Your responsibilities. You represent that you have all rights, consents, and lawful bases needed to submit Customer Data to the Services and to authorize our processing of it, including any personal or nonpublic financial information of your clients. You are responsible for your clients' data and for your own compliance with applicable insurance, privacy, and financial-data laws.

No training on your data. We do not use Customer Data to train, fine-tune, or improve AI models, and we do not use it for any purpose other than providing, securing, and supporting the Services for you. Our AI sub-processors are contractually prohibited from training on Customer Data.

4. Subscriptions, Fees, and Billing

Access to the Services requires a paid subscription. Fees, billing frequency, and included usage are as stated at signup or in your order form. Unless otherwise agreed:

  • Subscriptions renew automatically for successive terms unless cancelled before the renewal date.
  • Fees are billed in advance and are non-refundable except as required by law or expressly stated.
  • We may change pricing on renewal with prior notice.
  • Overdue amounts may result in suspension of the Services.

Payments are processed by Stripe (Polis' payment processor), Wire / ACH, and Check. Taxes are your responsibility unless stated otherwise.

5. Acceptable Use

You will not, and will not permit others to:

  • Use the Services for any unlawful, fraudulent, or unauthorized purpose;
  • Submit data you lack the right to submit, or data unrelated to legitimate insurance-agency use;
  • Reverse engineer, decompile, scrape, or attempt to access source code or underlying models, except as permitted by law;
  • Interfere with, disrupt, or compromise the security or integrity of the Services;
  • Resell, sublicense, or provide the Services to third parties as a standalone service without our written consent;
  • Use the Services to build a competing product or to train a competing model.

6. AI-Generated Outputs — Important Disclaimer

Please read this section carefully. The Services use AI to generate analyses, summaries, coverage-gap assessments, and deliverables. These outputs are probabilistic and may contain errors, omissions, or inaccuracies.

Outputs are informational tools, not professional, legal, insurance, coverage, or compliance advice, and do not constitute a determination of coverage or a substitute for the judgment of a licensed insurance professional.

You must independently review, verify, and validate every output before relying on it or sharing it with a client. Original policy documents and carrier terms control.

Polis does not act as an insurance producer, agent, broker, or advisor, and does not make coverage recommendations or bind, place, or service insurance.

You remain solely responsible for the advice you give your clients, for your professional and errors-and-omissions obligations, and for the accuracy of any deliverable you distribute.

You agree that Polis is not liable for decisions made, or actions taken, in reliance on AI-generated outputs.

7. Intellectual Property

Polis and its licensors own all rights in the Services, including software, models, interfaces, and documentation, and all related intellectual property. Except for the limited right to use the Services under these Terms, no rights are granted to you. Feedback you provide may be used by us without restriction or obligation.

8. Third-Party Services

The Services may integrate with or rely on third-party services (including AI model providers, hosting, and communications tools). We are not responsible for third-party services, and your use of them may be subject to their own terms.

9. Confidentiality

Each party may access the other's confidential information. The receiving party will protect it with reasonable care, use it only to perform under these Terms, and disclose it only to personnel and contractors bound by confidentiality. This does not apply to information that is public, independently developed, or lawfully obtained without restriction.

10. Warranties and Disclaimers

THE SITE AND SERVICE ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, POLIS EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE SITE AND SERVICE INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, ACCURACY AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, THE POLIS MAKES NO WARRANTY OR REPRESENTATION THAT ACCESS TO OR OPERATION OF THE SITE WILL BE UNINTERRUPTED OR ERROR FREE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR BUSINESS OPERATIONS, AS WELL AS UPLOADING, DOWNLOADING, AND/OR USE OF FILES, INFORMATION, CONTENT OR OTHER MATERIAL SENT TO OR OBTAINED FROM THE SITE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT APPLY TO YOU.

11. Limitation of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL POLIS, ITS AFFILIATES, DIRECTORS, OR EMPLOYEES, OR ITS LICENSORS OR PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS, USE, OR DATA, OR FOR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, HOWEVER ARISING, THAT RESULT FROM (A) THE USE, DISCLOSURE, OR DISPLAY OF YOUR USER CONTENT; (B) YOUR USE OR INABILITY TO USE THE SITE; (C) THE SITE GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE SITE AND SERVICE AVAILABLE; OR (D) ANY OTHER INTERACTIONS WITH POLIS OR ANY OTHER USER OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), FRAUD, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE POLIS HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. IN NO EVENT WILL POLIS’S LIABILITY TO YOU EXCEED WHAT YOU PAID FOR THE SERVICE IN THE THREE (3)-MONTH PERIOD BEFORE SUCH CLAIM AROSE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF LIABILITY, SO THIS PROVISION, IN PART OR IN WHOLE, MAY NOT APPLY TO YOU.

12. Indemnification

You will defend, indemnify, and hold Polis harmless from claims, damages, and expenses (including reasonable attorneys' fees) arising from (a) your Customer Data, (b) your use of the Services, (c) your violation of these Terms or applicable law, or (d) advice or deliverables you provide to your clients.

13. Term and Termination

These Terms apply while you use the Services. Either party may terminate as provided in your order form or, absent one, on notice. We may suspend or terminate access for breach, non-payment, or risk to the Services. On termination, your right to use the Services ends, and we will delete or return Customer Data upon request as described in our Privacy Policy and any applicable agreement. Sections that by their nature should survive (including 3, 6, 7, 9–12, 14–16) survive termination.

14. Changes to These Terms

We may update these Terms from time to time. We will post the updated version with a new date and, for material changes, provide reasonable notice. Continued use after changes take effect constitutes acceptance.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules.

Binding arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved informally within 30 days will be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The seat and location of arbitration will be Wilmington, Delaware, before a single arbitrator, conducted in English. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver. Disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one party's claims.

Exceptions. Either party may (a) bring an individual claim in small-claims court where eligible, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information.

The state and federal courts located in Wilmington, Delaware will have exclusive jurisdiction over any matter not subject to arbitration.

16. General

These Terms, together with any order form and our Privacy Policy, are the entire agreement between the parties. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control.

17. Contact

Polis Software, Inc. Email: help@getpolis.co