Terms of Service

Welcome to Catastrophes.ai.

These Terms of Use ("Terms") govern your access to and use of websites, applications, AI systems, software platforms, and related services provided by Catastrophes.ai ("Catastrophes.ai", "we", "us", or "our").

Catastrophes.ai provides AI-native insurance technology infrastructure, including artificial intelligence agents, underwriting intelligence, property risk analytics, catastrophe modeling, computer vision analysis, and related decision-support capabilities.

By accessing or using Catastrophes.ai services, you agree to these Terms.

If you are accessing our services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

Catastrophes.ai provides technology solutions designed to support insurance professionals and organizations, including:

• Insurance carriers
• Managing General Agents (MGAs)
• Brokers
• Reinsurance organizations
• Enterprise insurance partners.

Our services may include:

• AI-powered underwriting workflows
• Submission analysis
• Document intelligence
• Property intelligence
• Computer vision inspection analysis
• Catastrophe risk modeling
• Risk analytics
• Workflow automation
• Enterprise AI deployment capabilities.

Catastrophes.ai services are designed to enhance insurance decision-making processes.

Catastrophes.ai uses artificial intelligence, machine learning, computer vision, and statistical modeling technologies.

Our AI systems may generate:

• Risk insights
• Property assessments
• Catastrophe exposure analysis
• Underwriting recommendations
• Workflow suggestions
• Automated document analysis.

AI-generated outputs are based on available information, model assumptions, and analytical methods.

Users acknowledge that:

• AI outputs may contain errors or limitations
• AI outputs should be reviewed appropriately
• AI-generated recommendations do not replace professional judgment.

Catastrophes.ai provides technology designed to support underwriting activities.

Unless expressly stated through a separate written agreement:

• Catastrophes.ai does not independently issue insurance policies
• Catastrophes.ai does not guarantee insurance acceptance
• Catastrophes.ai does not determine coverage eligibility solely through automated processes
• AI outputs do not constitute binding underwriting decisions.

Insurance decisions remain subject to:

• Applicable insurance regulations
• Underwriting authority
• Risk appetite
• Human review requirements
• Contractual relationships between insurance parties.

Catastrophes.ai may develop and operate insurance programs, underwriting capabilities, or Managing General Agent ("MGA") activities where permitted by applicable laws and regulations.

When operating as an MGA or licensed insurance entity:

• Such activities will be conducted under applicable regulatory requirements
• Insurance authority and obligations will be governed by applicable agreements and licenses
• Additional terms may apply.

The technology services described in these Terms may operate separately from any regulated insurance activities.

Users are responsible for:

• Providing accurate and complete information
• Maintaining appropriate authorization to submit information
• Reviewing AI-generated outputs
• Ensuring compliance with applicable laws and regulations.

Users must not:

• Submit inaccurate, misleading, or fraudulent information
• Attempt to reverse engineer our systems
• Circumvent security controls
• Use services for unlawful purposes
• Misrepresent AI-generated analysis as guaranteed outcomes.

Users acknowledge that AI systems have inherent limitations.

Catastrophes.ai does not guarantee that:

• AI-generated recommendations are error-free
• Risk predictions perfectly represent future events
• Catastrophe forecasts accurately predict all future losses
• Generated analysis is suitable for every insurance decision.

AI-generated outputs should be interpreted as analytical assistance rather than certainty.

Catastrophes.ai develops catastrophe risk models using scientific data, historical observations, machine learning methods, and statistical analysis.

Catastrophe models may provide:

• Hazard assessments
• Probability estimates
• Exposure analysis
• Loss projections
• Risk scenarios.

However:

• Natural catastrophes are inherently uncertain
• Future events may differ from modeled scenarios
• Model outputs are not guarantees of future conditions or losses.

Users should consider catastrophe model outputs together with professional judgment and additional relevant information.

Users retain ownership of information submitted to Catastrophes.ai.

Subject to these Terms and applicable agreements:

• Users grant Catastrophes.ai permission to process submitted information solely for providing services
• Catastrophes.ai may use aggregated and de-identified information to improve system performance
• Confidential customer information will be handled according to applicable confidentiality obligations.

Additional data practices are described in our Privacy Policy.

Catastrophes.ai may provide different deployment options, including:

• Cloud-hosted environments
• Customer-controlled infrastructure
• Private deployments
• Privacy-preserving AI processing environments.

Specific deployment, security, and data handling requirements may be governed by separate agreements.

All rights, title, and interest in Catastrophes.ai technology remain owned by Catastrophes.ai or its licensors.

This includes:

• Software
• AI systems
• Models
• Algorithms
• Interfaces
• Documentation
• Proprietary methodologies.

Users receive only the rights necessary to access and use the services.

Each party may receive confidential information from the other party.

Both parties agree to:

• Protect confidential information
• Use confidential information only for intended purposes
• Prevent unauthorized disclosure.

Enterprise customers may establish additional confidentiality obligations through separate agreements.

Catastrophes.ai implements reasonable technical and organizational measures designed to protect information.

Security practices may include:

• Access controls
• Encryption
• Monitoring
• Logging
• Infrastructure protections.

No security system can guarantee absolute security.

Catastrophes.ai may integrate with third-party services, data providers, or infrastructure providers.

Third-party services may be subject to separate terms and policies.

Catastrophes.ai is not responsible for third-party services outside our control.

Catastrophes.ai may:

• Modify services
• Add new features
• Improve models
• Update AI systems
• Change service availability.

As AI technology evolves, system capabilities may change over time.

To the maximum extent permitted by law:

Catastrophes.ai services are provided "as is" and "as available."

Catastrophes.ai does not warrant that:

• Services will be uninterrupted
• Outputs will always be accurate
• Models will predict all future events
• Services will satisfy every user's requirements.

To the maximum extent permitted by applicable law, Catastrophes.ai shall not be liable for:

• Indirect damages
• Consequential damages
• Loss of profits
• Business interruption
• Reliance on AI-generated outputs
• Decisions made based on analytical recommendations.

Users remain responsible for applying appropriate professional judgment.

Catastrophes.ai may suspend or terminate access if users:

• Violate these Terms
• Misuse services
• Create security risks
• Engage in unlawful activities.

Upon termination:

• Access rights may end
• Applicable confidentiality obligations remain effective
• Data handling obligations continue according to agreements.

These Terms shall be governed by applicable laws specified in the agreement between Catastrophes.ai and the applicable user or organization.

Enterprise customers may establish governing law and dispute resolution terms through separate agreements.

For questions regarding these Terms:

Catastrophes.ai

Legal Team