2025 Wrapped — See what we built
openinsurance

Legal

Terms of Service

Please review our terms of service carefully. By using Open Insurance, you agree to these terms.

I.

Acceptance of Terms

These Terms of Service (“Terms,” “Agreement”) constitute a legally binding agreement between Open Insurance AI, a Delaware corporation (“Company,” “we,” “us,” or “our”), having its principal place of business at 3399 NW 72nd Ave Suite 228, Miami, FL 33122, and you (“User,” “Customer,” or “you”).

This Agreement governs your access to and use of the Open Insurance AI ecosystem, including but not limited to the website www.openinsurance.ai, the crm.openos.app platform (the “Medical CRM” or “Open OS”), our application programming interfaces (APIs), AI models, mobile applications, and any associated services (collectively, the “Services”).

BY CLICKING “I AGREE,” REGISTERING FOR AN ACCOUNT (VIA EMAIL OR THIRD-PARTY LOGIN), OR ACCESSING THE SERVICES, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND SUCH ENTITY.

II.

Nature of Services and Medical Disclaimer

A. The “Open OS” Platform

Open Insurance AI provides an AI-native operating system designed to facilitate insurance management, clinical relationship management, and data orchestration across a “Single Canvas” interface.

B. No Medical Advice (Critical Notice)

While the Medical CRM facilitates the management of clinical data, Open Insurance AI is a technology provider, not a healthcare provider.

  • No Doctor-Patient Relationship: Use of the Services does not create a physician-patient relationship.
  • Tool for Professionals: The Services are intended to assist healthcare providers and insurance professionals. The Services do not diagnose health conditions, prescribe medication, or recommend treatments.
  • User Responsibility: Healthcare decisions must be made solely by licensed professionals. You acknowledge that AI-generated suggestions (e.g., “Next Best Action” or risk scores) are strictly informational and must be verified by a human.

III.

Accounts and Security

A. Registration & Identity

To access the Open OS, you must register. We support various authentication methods, including Google Login and other Single Sign-On (SSO) providers. You agree that:

  • Information provided to us is accurate and current.
  • You are responsible for maintaining the confidentiality of your login credentials.

B. Security Architecture

We utilize a defense-in-depth architecture, including Multi-SSL/TLS environments to ensure tenant isolation. However, you agree to notify us immediately of any unauthorized use of your account. You are responsible for all activities that occur under your account, regardless of whether you authorized them.

IV.

Artificial Intelligence & Data Usage

A. AI Outputs and Probabilistic Nature

The Services utilize advanced generative AI and machine learning models. You acknowledge that:

  • Accuracy: AI is probabilistic. Outputs (summaries, drafts, code, insights) may contain errors, “hallucinations,” or inaccuracies. You must evaluate the accuracy of any Output before relying on it.
  • Liability: Open Insurance AI is not liable for any errors or omissions in AI-generated content.

B. Data Rights & Usage

  • Your Data: You retain ownership of all data you upload (“Customer Data”).
  • Our License: You grant us a worldwide, royalty-free license to host, copy, and display your data strictly as necessary to provide the Services.
  • Service Improvement: To the extent permitted by law (and excluding Protected Health Information unless de-identified), you agree that we may use aggregated, anonymized usage data to analyze trends, detect fraud, and train our AI models.

V.

HIPAA and Protected Health Information (PHI)

If you are a “Covered Entity” or “Business Associate” under the Health Insurance Portability and Accountability Act (HIPAA), and you use the Services to process PHI:

  • Business Associate Agreement (BAA): Your use of the Services involves PHI and is subject to our Business Associate Agreement, which is incorporated herein by reference. In the event of a conflict between these Terms and the BAA regarding PHI, the BAA shall control.
  • Compliance: You represent that you have obtained all necessary consents and authorizations from patients to input their data into the Open OS.

VI.

Payment, Fees, and Subscriptions

  • Subscription Terms: Services are offered on a SaaS subscription basis. Fees are billed in advance.
  • Taxes: You are responsible for all applicable taxes, levies, or duties imposed by taxing authorities.
  • Non-Refundable: Unless otherwise required by law, all fees are non-refundable.

VII.

Intellectual Property Rights

  • Ownership: Open Insurance AI retains all rights, title, and interest in and to the Services, the “Open OS” code, the “crm.openos.app” architecture, our proprietary AI models, and all related intellectual property.
  • Feedback: If you provide suggestions or feedback, we may use such feedback for any purpose without obligation or compensation to you.

VIII.

Third-Party Integrations & Data

The Open OS is designed to integrate with third-party stacks (e.g., EMRs, ERPs, Banking APIs).

  • No Warranty: We do not warrant or support Third-Party Services.
  • Data Exchange: By enabling an integration (e.g., pulling credit data or medical records), you authorize us to transfer your data to/from that third party. We are not responsible for the privacy practices of third parties.

IX.

Prohibited Uses

You agree not to:

  • Reverse engineer, decompile, or disassemble the Services.
  • Use the Services to build a competitive product.
  • Scrape or extract data via automated means without our API license.
  • Use the Services for any illegal purpose, including insurance fraud or money laundering.

X.

Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, OPEN INSURANCE AI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES.

SPECIFICALLY, WE MAKE NO REPRESENTATIONS REGARDING THE ACCURACY OF INSURANCE QUOTES, CLINICAL PREDICTIONS, OR AI-GENERATED CONTENT.

XI.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL OPEN INSURANCE AI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR USE). OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

XII.

Indemnification

You agree to defend, indemnify, and hold harmless Open Insurance AI, its officers, directors, and employees from and against any claims, liabilities, damages, judgments, and expenses (including legal fees) arising out of: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) unauthorized use of the Services by any other person using your User info.

XIII.

Governing Law and Dispute Resolution

  • Governing Law: This Agreement is governed by the laws of the State of Delaware, without regard to conflict of law principles.
  • Venue: Any legal action regarding this Agreement shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida.
  • Arbitration: At our sole discretion, we may require any dispute to be submitted to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association (AAA).
  • Class Action Waiver: YOU AND OPEN INSURANCE AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

XIV.

Future Technologies and Beta Features

From time to time, we may introduce experimental features (e.g., Blockchain/DeFi integrations, Autonomous Agents, IoT streams). These “Beta Services” are provided for testing purposes only and may be discontinued at any time. We accept no liability for any data loss or damage arising from the use of Beta Services.

XV.

General Provisions

  • Severability: If any provision is found unenforceable, the remaining provisions will remain in full effect.
  • Entire Agreement: These Terms (and the Privacy Policy) constitute the entire agreement between you and Open Insurance AI.
  • Modifications: We may modify these Terms at any time. Continued use of the Services constitutes acceptance of the modified Terms.
  • Contact:

    Open Insurance AI

    Legal Department

    3399 NW 72nd Ave, Suite 228

    Miami, FL 33122

    Email: hello@openinsurance.ai

Last updated: January 12, 2026