Terms of Use & Acceptable Use Policy

Last Updated: September 2026 | Version 1.4.0

Please read these Terms of Use and Acceptable Use Policy ("Terms of Use" or "User Terms") carefully. These User Terms govern your individual access to and use of the Insure Assist AI web portal, telephony features, and digital operations assistants (the "Platform" or "Services") operated by CODE4 ENTERPRISES LLC, an Arizona limited liability company ("Company", "Provider", "we", "us", or "our").

By authenticating, signing in via magic link, or utilizing any features of the Platform, you ("User", "Agent", "CSR", or "You") agree to be bound by these User Terms. If you are accessing the Platform on behalf of an insurance agency or corporate entity ("Customer"), your agency is also governed by the Master Subscription Agreement. If you do not agree to these User Terms, you are not authorized to use the Services.

1. Individual Account Access & Credential Confidentiality

Personal Access Only: Your account access credentials, login links (magic links), and session tokens are strictly for your individual authorized business use. You are prohibited from sharing login links or delegating portal access to unauthorized third parties.

Incident Notification: You must immediately notify your agency administrator and CODE4 ENTERPRISES LLC of any suspected account compromise, leaked magic links, or security anomalies.

2. AI Usage & Acceptable Use Restrictions

The Platform utilizes advanced generative machine learning pipelines (hosted securely within Google Cloud Platform) to extract insurance data, parse endorsements, and draft documents. You agree strictly NOT to:

• Adversarial Exploitation: Submit prompt injections, jailbreaks, or adversarial inputs designed to manipulate, bypass, or degrade safety filters and system instructions.
• Reverse-Engineering: Decompile, extract, harvest, or attempt to reconstruct underlying prompt templates, model weights, or OCR parsing pipelines.
• Unlawful Distribution: Upload or distribute malicious code, viruses, or unauthorized third-party proprietary trade secrets.
• Immediate Termination: Provider reserves the right to immediately terminate access for any user detected attempting model extraction or system exploitation.

3. Human Oversight & ACORD® Document Issuance Protocols

While our AI assistants operate with high precision, you acknowledge that insurance operations require professional human diligence. Generative artificial intelligence and optical character recognition models are probabilistic clerical assistants, NOT licensed underwriting engines.

MANDATORY OVERSIGHT: UNLESS YOUR AGENCY ADMINISTRATOR HAS CONFIGURED AUTOMATED DISPATCH ("AUTO-SEND") IN AGENCY SETTINGS, YOU MUST PERSONALLY REVIEW AND VERIFY ALL AI-EXTRACTED POLICY DATA, COVERAGE LIMITS, DEDUCTIBLES, EXCLUSIONS, AND CERTIFICATE HOLDER INSTRUCTIONS BEFORE APPROVING, SIGNING, ISSUING, OR TRANSMITTING OFFICIAL ACORD FORMS OR CLIENT COMMUNICATIONS. CODE4 ENTERPRISES LLC DOES NOT PROVIDE LICENSED LEGAL OR UNDERWRITING ADVICE.

Sole Responsibility as Producer of Record: You acknowledge that you and your supervising licensed agency bear 100% legal, regulatory, and professional responsibility for all coverage determinations, endorsements, and certificate issuances. CODE4 ENTERPRISES LLC holds zero liability for any errors or omissions.

ACORD® Licensing Representation: When generating, reviewing, or dispatching standardized ACORD forms (e.g. ACORD 25, ACORD 28) through the Platform, you warrant that you are an authorized representative of a properly licensed insurance agency that maintains an active ACORD End-User License (or association-sponsored license through Big "I" / PIA). You agree not to utilize the Platform to generate fraudulent, unauthorized, or unlicensed certificates.

4. Telephony & Call Recording Compliance (TCPA & Wiretapping)

The Platform contains voice, interactive voice response (IVR), automated transcription, and call recording capabilities ("Telephony Services").

• All-Party Consent Compliance: Call recording is subject to state and federal wiretapping laws (including all-party consent requirements in California, Florida, Illinois, etc.). You must ensure automated recording notices (e.g. "This call may be recorded for quality assurance") are active and played to all callers.
• TCPA Compliance: All outbound automated calls or SMS notifications must strictly comply with the federal Telephone Consumer Protection Act (TCPA).

5. Recipient Input Verification & Typo Liability Disclaimer

The Platform allows you to enter recipient contact details, such as email addresses, to dispatch Certificates of Insurance (COIs) and policy schedules.

YOU ARE SOLELY RESPONSIBLE FOR VERIFYING RECIPIENT EMAIL ADDRESSES. CODE4 ENTERPRISES LLC DISCLAIMS ALL LIABILITY FOR UNAUTHORIZED EXPOSURE OR MISDELIVERY OF SENSITIVE POLICYHOLDER PII CAUSED BY USER DATA-ENTRY TYPOS OR INCORRECT RECIPIENT CREDENTIALS.

6. Active Operational Workspace & AMS Relationship

The Platform is an automated operational workflow utility and is NOT a permanent legal System of Record, Agency Management System (AMS), or document archive.

• Active Operational Retention: Active policy limits, client profiles, and certificate histories are maintained in live storage to power real-time certificate generation throughout Customer's active subscription.
• Agency Record Responsibility: You and your agency are solely responsible for exporting, archiving, and maintaining official statutory policy records into your primary legal AMS. Provider holds zero liability for non-archived external records.

7. Protection of Policyholder Privacy (GLBA)

You agree to process and handle all Nonpublic Personal Information (NPI) in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable insurance privacy regulations. You may not export or disclose policyholder PII outside authorized agency insurance operations.

8. Intellectual Property & Reservation of Rights

CODE4 ENTERPRISES LLC retains all right, title, and interest in and to the Platform software, user interfaces, branding, and proprietary algorithms. No ownership rights are transferred to you under these User Terms.

9. Service Availability & Warranty Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CODE4 ENTERPRISES LLC DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. PROVIDER DOES NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE SERVICE.

10. Limitation of Liability & Third-Party Claims Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CODE4 ENTERPRISES LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, COVERAGE CLAIMS LOSSES, OR BUSINESS REPUTATION ARISING OUT OF YOUR USE OF THE PLATFORM.

NO DIRECT THIRD-PARTY CLAIMS: YOU EXPRESSLY AGREE THAT CODE4 ENTERPRISES LLC HOLDS ZERO LIABILITY TO YOU, YOUR AGENCY, YOUR INSURED CLIENTS, OR ANY CERTIFICATE HOLDER FOR ANY INACCURATE, INCOMPLETE, OR DISPUTED CERTIFICATES OF INSURANCE, ENDORSEMENT SCHEDULES, OR COMMUNICATIONS ISSUED THROUGH THE SERVICES.

11. Governing Law & Dispute Resolution

These User Terms are governed by the laws of the State of Arizona. Any dispute arising out of or related to these User Terms shall be resolved exclusively via binding individual arbitration in Maricopa County, Arizona under the rules of the American Arbitration Association (AAA). Class actions and jury trials are waived.

12. Miscellaneous & Entire Operating Terms

If any provision of these User Terms is found unenforceable, the remainder shall continue in full force. These User Terms constitute the entire operating conduct agreement between you and CODE4 ENTERPRISES LLC regarding individual platform access.