1. Definitions

"Customer" or "You": The legal entity or individual signing up for the Service.

"Customer Data": Any data, content, or documents (including policy schedules and wordings) uploaded or submitted by you to the Service.

"Output": The reports, comparison tables, and AI-generated responses produced by the Service based on your Data.

"AI Models": The artificial intelligence algorithms and machine learning models used to process data within the Service.

2. The Service

2.1. Purpose
Cluda is a software platform designed to assist insurance professionals in analysing documents, comparing policies, and drafting reports.

2.2. No Insurance or Legal Advice
Cluda is a technology provider, not an insurance broker, underwriter, or legal advisor. The Outputs generated by our AI are for informational and efficiency purposes only.

• Human-in-the-Loop: You acknowledge that AI technology can produce errors ("hallucinations"). You agree that all Outputs must be reviewed, verified, and approved by a qualified insurance professional before being sent to a client or relied upon for coverage decisions.

• Liability: We accept no liability for any errors or omissions in insurance advice given to your clients based on Cluda’s outputs.

3. Account & Usage

3.1. License
Subject to these Terms and payment of applicable fees, we grant you a non-exclusive, non-transferable, limited right to access and use the Service for your internal business operations.

3.2. Restrictions
You shall not:

• Reverse engineer, decompile, or disassemble the Service.

• Use the Service to build a competitive product.

• Share login credentials (unless utilizing our Seat Management features).

4. Data Protection & Security

4.1. Data Processing
We process Customer Data in accordance with our Security Policy. By using the Service, you agree to the terms of our Data Processing Agreement (DPA), which is incorporated into these Terms by reference.

4.2. AI Training
We do not use your Customer Data to train our foundational AI models for the benefit of other customers. Your data remains isolated within your tenant environment.

4.3. Hosting
Unless otherwise agreed in an Enterprise Order Form, your data will be hosted in the jurisdiction selected during onboarding (UK or EU).

5. Fees and Payment

5.1. Subscription Fees
Fees are specified in your Order Form. Subscriptions are billed in advance on a monthly or annual basis.

5.2. Cancellation
You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing cycle. No refunds are provided for partial months or unused annual terms.

6. Intellectual Property

6.1. Our IP
Cluda retains all rights, title, and interest in the Service, including our proprietary AI workflows, code, and interface designs.

6.2. Your IP
You retain all rights to your Customer Data. You grant us a limited license to process this data solely for the purpose of providing the Service to you.

7. Limitation of Liability

7.1. Cap on Liability
To the maximum extent permitted by law, Cluda’s total aggregate liability arising out of or related to these Terms (whether in contract, tort, or otherwise) shall not exceed the total amount paid by you to Cluda in the twelve (12) months preceding the event giving rise to the claim.

7.2. Exclusion of Damages
In no event shall Cluda be liable for any indirect, special, incidental, or consequential damages, including loss of profits, business interruption, or loss of data, even if advised of the possibility of such damages.

8. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, if you breach these Terms. Upon termination, your right to use the Service will immediately cease, and we will provide a mechanism for you to export your Customer Data for a period of 30 days.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Changes to Terms

We reserve the right to modify these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. By continuing to use the Service after those revisions become effective, you agree to be bound by the revised terms.

Contact Us

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

📧 Email: support@cluda.ai