Terms of Service

1. Acceptance of Terms

By accessing or using InsuranceOS or any website operated by Transaction Science, Inc. ("Transaction Science," "we," "us," or "our"), including insuranceos.science, you agree to be bound by these Terms of Service. If you do not agree, do not use our services.

2. Description of Services

InsuranceOS is an insurance-as-a-service platform operated by Transaction Science, Inc. It provides underwriting computation, claims intelligence, actuarial modeling, risk assessment, policy lifecycle management, and reinsurance capabilities across multiple lines of business and jurisdictions. Access to individual features is governed by separate product-specific agreements where applicable.

3. Intellectual Property

All content, software, designs, logos, and documentation on this website are the exclusive property of Transaction Science, Inc. and are protected by United States and international copyright, trademark, and intellectual property laws. No content may be reproduced, distributed, or transmitted without prior written consent.

4. Use Restrictions

You agree not to:

• Use any automated system to access our services in a manner that sends more requests than a human can reasonably produce
• Attempt to reverse-engineer, decompile, or disassemble any software made available through our services
• Use our services for any unlawful purpose or in violation of any applicable regulation
• Misrepresent your affiliation with Transaction Science or any of its products
• Interfere with or disrupt the integrity or performance of our services

5. Insurance Information

Risk assessments, actuarial computations, underwriting recommendations, and insurance-related data displayed on this website are provided for informational purposes only. Transaction Science does not provide insurance advice and is not a licensed insurance carrier, broker, or agent unless separately licensed in applicable jurisdictions. All insurance data is presented as-is and should be verified by qualified professionals. Insurance outcomes depend on your specific circumstances, and our tools are intended to assist — not replace — professional judgment.

6. Third-Party Services

Our platform may integrate with or reference third-party insurance carriers, reinsurers, rating bureaus, and regulatory authorities. We are not responsible for the accuracy, completeness, or availability of third-party data. Third-party content is subject to those organizations' respective terms and conditions.

7. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Transaction Science does not warrant that our services will be uninterrupted, secure, or error-free.

8. Limitation of Liability

To the maximum extent permitted by law, Transaction Science, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of or inability to use our services.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Delaware.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page with an updated "Last updated" date. Continued use of our services after changes constitutes acceptance of the revised Terms.

11. Contact

For questions about these Terms, contact us at [email protected].