Terms of Service

Effective Date: August 05, 2025

Welcome to InsureBuddy, a service provided by WhiteWolf Studios ("we," "our," "us," or "Company"). These Terms of Service ("Terms") govern your use of our website, mobile application, and related services (collectively, the "Service").

1. Service Description

InsureBuddy is a digital platform that allows users to:

• Store and manage insurance documents
• Analyze documents using artificial intelligence
• Receive insights about insurance coverage
• Ask questions about uploaded policies

2. Acceptance of Terms

By accessing or using our Service, you:

• Confirm you are at least 18 years old or have parental consent
• Agree to these Terms and our Privacy Policy
• Represent that you have the authority to enter into this agreement
• Acknowledge that you have read and understood these Terms

3. User Account and Registration

Account Creation

• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must notify us immediately of any unauthorized access
• One person or entity per account unless otherwise approved

Account Security

• Keep your login credentials confidential
• Use strong passwords
• You are liable for all activities under your account

4. Acceptable Use Policy

Permitted Uses

• Upload your own insurance documents
• Use AI analysis features for personal information purposes
• Store and organize your insurance-related files
• Access your data from multiple devices

Prohibited Uses

You may NOT:

• Upload documents you don't own or have permission to upload
• Use the service for illegal activities
• Attempt to breach security or access other users' data
• Upload malicious software, viruses, or harmful code
• Use automated systems to access the service without permission
• Resell, redistribute, or commercialize the service
• Upload false, misleading, or fraudulent information
• Use the service to provide insurance advice to others
• Violate any applicable laws or regulations

5. Content and Data

Your Content

• You retain ownership of your uploaded documents
• You grant us a limited license to process, store, and analyze your content to provide the service
• You represent that you have the right to upload all content
• You are responsible for backing up your important documents

Our Content

• All software, designs, text, graphics, and other materials are our property
• Our AI analysis and insights are provided under license for your personal use
• You may not copy, modify, or distribute our proprietary content

6. AI Analysis and Disclaimers

AI-Generated Content

Our Service uses artificial intelligence to analyze documents and provide insights. You understand and agree that:

• No Guarantee of Accuracy: AI analysis may contain errors, omissions, or inaccuracies
• Informational Only: All AI-generated insights are for informational purposes only
• Verify Information: You must independently verify all AI analysis before making decisions
• No Professional Advice: AI analysis does not constitute professional, legal, or insurance advice
• Limitations: AI may misinterpret complex policy language or miss important details
• No Financial Advice: Our AI does not provide financial advice, investment recommendations, or guidance on financial decisions
• Scope Limitations: While our AI specializes in insurance document analysis, it may respond to questions or prompts about unrelated topics when asked. Any such responses should not be relied upon for decisions outside of document analysis

Your Responsibility

• Review all AI-generated insights carefully
• Consult with qualified professionals for important decisions
• Do not rely solely on our AI analysis for insurance coverage determinations
• Report any obviously incorrect analysis to help us improve
• Always seek professional advice before taking any action based on AI-generated content
• Do not use our AI for advice on topics outside of insurance document analysis

Professional Consultation Required

You acknowledge and agree that:

• Any financial, insurance, or legal decisions should be made only after consulting with appropriate licensed professionals
• Our AI cannot replace the expertise and personalized advice of qualified professionals
• We strongly recommend consulting with insurance agents, financial advisors, attorneys, or other specialists before making any decisions affecting your insurance coverage, financial planning, or legal matters

7. Service Availability and Performance

Service Availability

• We strive for high availability but do not guarantee uninterrupted service
• The Service is provided "AS IS" and "AS AVAILABLE"
• We may suspend service for maintenance, updates, or technical issues
• We are not liable for service interruptions or downtime

Performance

• Processing times may vary based on document complexity and system load
• We do not guarantee specific response times for AI analysis
• Service quality may be affected by factors beyond our control

8. Limitation of Liability

No Warranties

• THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
• WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED
• WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE OR UNINTERRUPTED
• WE DO NOT GUARANTEE THE ACCURACY OF AI ANALYSIS OR INSIGHTS

Limitation of Damages

• OUR LIABILITY IS LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICE IN THE PAST 12 MONTHS
• WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
• WE ARE NOT LIABLE FOR DATA LOSS, BUSINESS INTERRUPTION, OR LOST PROFITS
• THIS LIMITATION APPLIES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES

Specific Disclaimers

• We are not liable for decisions made based on AI analysis
• We are not liable for consequences of insurance coverage gaps or misunderstandings
• We are not liable for damages from security breaches beyond our reasonable control
• We are not liable for third-party service failures (including Firebase/Google services)

9. Indemnification

You agree to indemnify, defend, and hold harmless WhiteWolf Studios, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Content you upload or share through the Service
• Any decisions made based on AI analysis from our Service

10. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our data practices as described in our Privacy Policy.

11. Intellectual Property

Our Rights

• The Service and all related technology are protected by intellectual property laws
• You may not copy, modify, or reverse engineer our software
• All trademarks, logos, and brand names are our property

Your Rights

• You retain ownership of your uploaded documents
• You may download and delete your content at any time
• You may terminate your account and remove your data

12. Termination

By You

• You may terminate your account at any time through account settings
• Upon termination, we will delete your data according to our Privacy Policy
• You remain liable for any outstanding obligations

By Us

We may terminate or suspend your account immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Pose a security risk to the Service or other users
• Fail to pay any fees (if applicable)

Effect of Termination

• Your right to use the Service immediately ceases
• We may delete your data after a reasonable period
• Provisions that should survive termination will remain in effect

13. Dispute Resolution

Governing Law

These Terms are governed by the laws of South Africa, without regard to conflict of law principles.

Dispute Resolution Process

1. Informal Resolution: Contact us at support@whitewolfstudios.co.za to resolve disputes
2. Mediation: If informal resolution fails, disputes will be resolved through mediation
3. Arbitration: If mediation fails, binding arbitration in South Africa
4. Class Action Waiver: You agree not to participate in class action lawsuits

Exceptions

The following disputes are excluded from arbitration:

• Intellectual property disputes
• Small claims court matters
• Injunctive relief requests

14. Updates and Changes

Terms Updates

• We may update these Terms at any time
• Material changes will be communicated via email or service notification
• Continued use after changes constitutes acceptance
• Previous versions are archived and available upon request

Service Changes

• We may modify, suspend, or discontinue features at any time
• We will provide reasonable notice for significant changes
• We are not liable for changes to the Service

15. Compliance and Legal Requirements

Your Compliance

• You must comply with all applicable laws and regulations
• You are responsible for determining if our Service meets your regulatory requirements
• You must not use the Service for any unlawful purposes

Our Compliance

• We operate in compliance with applicable data protection laws
• We cooperate with law enforcement when legally required
• We maintain reasonable security measures as described in our Privacy Policy

16. Contact Information

For questions about these Terms or the Service:

Email: support@whitewolfstudios.co.za

Company: WhiteWolf Studios

Subject Line: Terms of Service Inquiry

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. We will replace any unenforceable provision with a similar enforceable provision.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and WhiteWolf Studios regarding the Service. These Terms supersede all prior agreements and understandings.

19. No Professional Relationship

Last updated: August 05, 2025