Terms of Service

2. Alpha Program Disclaimer

The Service is currently in an Alpha Design Partner phase. The Service is provided on an “as is” and “as available” basis, 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.

During the Alpha phase, you acknowledge and agree that:

• The Service is experimental and under active development
• Features may be added, modified, or removed without prior notice
• We do not guarantee uptime, availability, or data accuracy
• The Service may contain bugs, errors, or incomplete functionality
• Performance and reliability may vary

3. Permitted Use & Restrictions

Permitted Use

You may use the Service solely for lawful business purposes related to insurance brokerage operations, including but not limited to document processing, workflow automation, and data management, subject to these Terms and any applicable laws of Hong Kong.

Restrictions

You shall not:

• Reverse engineer, decompile, or disassemble any part of the Service
• Attempt to gain unauthorised access to the Service or its related systems
• Use the Service for any illegal or unauthorised purpose
• Redistribute, sublicense, or resell the Service or any part thereof
• Interfere with or disrupt the integrity or performance of the Service
• Use the Service to process data in violation of applicable privacy laws

4. Intellectual Property

Ipsura's Intellectual Property

The Service, including the Ipsura Core AI workflow engine, all algorithms, models, software, platform code, user interfaces, designs, and documentation, is and remains the exclusive intellectual property of Ipsura AI. Nothing in these Terms transfers any ownership rights in the Service to you.

Your Data

You retain all ownership rights in the data you submit to the Service, including insurance policies, customer records, uploaded documents, and any other content you provide (“Client Data”). We do not claim ownership of your Client Data. You grant us a limited licence to process your Client Data solely for the purpose of providing the Service to you.

5. Limitation of Liability

To the maximum extent permitted by the laws of Hong Kong, in no event shall Ipsura AI, its directors, employees, partners, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunities, or goodwill.

Without limiting the foregoing, Ipsura shall not be liable for any losses arising from:

• Errors in policy documents processed by the Service
• Lost premiums, claims, or downstream financial losses resulting from reliance on the Service
• Interruptions or failures of the Service during the Alpha phase
• Actions taken or not taken based on outputs generated by the Service

Our total aggregate liability to you for all claims arising out of or relating to these Terms or the Service shall not exceed the total amount paid by you to Ipsura in the twelve (12) months immediately preceding the event giving rise to the claim. If you have not paid any amounts to Ipsura for the use of the Service, your sole and exclusive remedy for any dispute with Ipsura is to stop using the Service.

6. Integration Boundaries

Ipsura is designed to integrate with your existing infrastructure without replacing it. The Service connects to third-party systems including but not limited to legacy CRM platforms, SFTP servers, email systems, WhatsApp, webhooks, and cloud storage services.

You acknowledge and agree that:

• Ipsura does not own, operate, or control any third-party systems it integrates with
• We are not responsible for failures, outages, data loss, or errors originating in your third-party systems
• Integration availability depends on the continued operation and compatibility of third-party services
• Changes to third-party APIs or services may affect integration functionality

Ipsura operates on a zero rip-and-replace principle. We augment your existing workflows — we do not replace your existing systems.

7. Termination

Either party may terminate this agreement at any time during the Alpha phase by providing written notice to the other party. We may also terminate or suspend your access to the Service immediately, without prior notice, if:

• You breach any provision of these Terms
• We are required to do so by law
• We decide to discontinue the Service or the Alpha program

Upon termination, your right to access and use the Service will cease immediately. We will make commercially reasonable efforts to allow you to retrieve your Client Data for a period of 30 days following termination.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region, without regard to its conflict of law provisions.

Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

9. Contact Information

If you have any questions about these Terms, please contact us:

• Email: legal@ipsura.com