Terms of Service

These Terms of Service ("Terms") govern access to and use of Plentitude's websites, software, AI-enabled tools, workflows, support, communications, and related services (collectively, the "Services"). By accessing or using the Services, the customer agrees to these Terms. If the customer is using the Services on behalf of a company, the customer represents that it has authority to bind that company.

Plentitude provides technology and services for insurance claim recovery and disaster restoration workflows. The Services may help contractors organize claim information, process insurance and property loss data, prepare estimate drafts, analyze call and meeting transcripts, generate summaries, and support communications and documentation related to flood, fire, mold, and other restoration claims.

Unless expressly agreed in writing, Plentitude does not act as an insurer, public adjuster, attorney, engineer, accountant, or licensed professional. Customers are responsible for reviewing and approving all final estimates, claim submissions, invoices, scopes, communications, and other outputs before relying on or sending them to third parties.

• Customers are responsible for their accounts, credentials, users, permissions, and all activity under their accounts.
• Customers must ensure that only authorized personnel access the Services and that users comply with these Terms.
• Customers must promptly notify Plentitude of suspected unauthorized access or security incidents involving the Services.

"Customer Data" means data, files, content, communications, recordings, transcripts, claim information, insurance information, property information, photos, videos, estimates, notes, and other materials submitted to, generated through, or otherwise made available to the Services by or on behalf of a customer.

As between Plentitude and the customer, the customer retains ownership of Customer Data. The customer is responsible for obtaining all rights, permissions, notices, and consents necessary for Plentitude to access and process Customer Data, including data relating to the customer's own customers, claimants, property owners, occupants, insurers, adjusters, subcontractors, and other third parties.

The customer grants Plentitude a non-exclusive, worldwide, royalty-free license to access, host, copy, store, transmit, process, analyze, display, create operational outputs from, and otherwise use Customer Data as reasonably necessary to provide, secure, support, maintain, troubleshoot, and improve the Services; comply with law; enforce these Terms; and exercise Plentitude's rights under applicable agreements.

Plentitude will not sell Customer Data or the customer's customer data. Unless otherwise stated in a written agreement with Customer or authorized by Customer, Plentitude will not use customer-identifiable claim data, recordings, transcripts, or claim participant information to train third-party general-purpose AI models. Plentitude may use aggregated, de-identified, anonymized, or otherwise non-identifiable information to improve the Services, develop analytics, train or improve AI-enabled capabilities, benchmark performance, and support Plentitude's business, provided the information does not identify the customer, any individual, or any property owner or claimant.

The Services and related communications may involve recording, transcription, summarization, and analysis of phone calls, Zoom calls, virtual meetings, demos, support sessions, trainings, screen shares, chats, sales calls, business development communications, and other communications. The customer authorizes Plentitude to record, transcribe, summarize, analyze, store, and use those communications as described in these Terms and the Privacy Policy.

The customer is responsible for providing legally required notices and obtaining legally required consents from its employees, contractors, customers, claimants, property owners, occupants, and other participants before recording or sharing communications with Plentitude or inviting third parties to Plentitude-recorded sessions. Where Plentitude provides a recording notice, participants who join or continue participating after receiving notice consent to the recording and related processing described in these Terms and the Privacy Policy.

The Services may use artificial intelligence, machine learning, automation, speech-to-text, natural language processing, computer vision, and other technologies to process Customer Data and generate outputs, including summaries, classifications, extracted fields, estimate drafts, recommendations, and claim workflow assistance.

AI outputs may be inaccurate, incomplete, biased, outdated, or unsuitable for a particular purpose. The customer is solely responsible for reviewing, validating, correcting, and approving outputs before relying on them or sharing them with insurers, customers, regulators, courts, or other third parties. Plentitude does not guarantee claim approval, payment amount, recovery amount, insurer acceptance, estimate accuracy, or business results.

• Use the Services only in compliance with applicable laws, regulations, insurance rules, contractual obligations, and professional requirements.
• Maintain appropriate notices, consents, authorizations, and rights for all Customer Data and recorded/transcribed communications.
• Review all outputs before use and maintain final responsibility for estimates, claim materials, submissions, and communications.
• Not upload unlawful, infringing, malicious, or unauthorized data, and not use the Services to violate rights of third parties.
• Not reverse engineer, scrape, misuse, disrupt, or attempt unauthorized access to the Services.

Plentitude's processing of personal information is described in the Privacy Policy. Plentitude will use administrative, technical, and organizational safeguards designed to protect Customer Data, including best practices for data in transit and data at rest. Customer acknowledges that no system is completely secure.

Additional security, data processing, incident notification, audit, or subprocessor terms may be set out in a separate written agreement, data processing addendum, order form, statement of work, or security addendum signed or accepted by the parties.

The Services may integrate with or rely on third-party platforms, hosting providers, AI providers, transcription providers, communications tools, estimating tools, document tools, and insurance workflow systems. Plentitude is not responsible for third-party services outside its control. Customer's use of third-party services may be subject to separate terms and privacy policies.

Fees, billing terms, payment schedules, taxes, renewals, cancellation terms, refunds, credits, pilot terms, success fees, and service commitments will be set out in an order form, subscription checkout, statement of work, design partner agreement, or other written agreement between the parties.

Any fees, refunds, credits, pilot terms, success fees, service commitments, or changes to an order form, statement of work, design partner agreement, or other written agreement must be agreed in writing by an authorized representative of Plentitude. To the extent there is any conflict between these Terms and a signed order form, statement of work, design partner agreement, or other written agreement, the signed written agreement will control.

Each party may receive confidential information from the other party. The receiving party will use the disclosing party's confidential information only to perform under these Terms and will protect it using reasonable care. Confidential information does not include information that is publicly available, already known without restriction, independently developed, or lawfully received from a third party without confidentiality obligations.

Plentitude and its licensors retain all rights in the Services, software, workflows, interfaces, models, algorithms, documentation, templates, improvements, analytics, know-how, and other technology, excluding Customer Data. Customer may use the Services only as permitted by these Terms or a separate written agreement.

Customer may provide feedback, suggestions, or ideas. Plentitude may use feedback without restriction or obligation, provided Plentitude does not disclose Customer Data except as permitted by these Terms or the Privacy Policy.

Either party may terminate access to the Services as provided in an applicable order form or written agreement. Plentitude may suspend or terminate access if Customer violates these Terms, creates security risk, fails to pay fees, or uses the Services unlawfully. Upon termination, Customer may request export or deletion of Customer Data as permitted by the applicable agreement and retention policies.

The Services are provided "as is" and "as available" to the fullest extent permitted by law. Plentitude disclaims all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Plentitude does not warrant that the Services will be uninterrupted, error-free, secure, or that outputs will be accurate or accepted by any insurer or third party.

To the fullest extent permitted by law, Plentitude will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenues, lost data, loss of goodwill, business interruption, claim denial, or insurance recovery outcomes. Plentitude's total liability for all claims relating to the Services will not exceed the amounts paid by Customer to Plentitude for the Services giving rise to the claim during the six months before the event giving rise to liability.

Customer will defend, indemnify, and hold harmless Plentitude from claims arising from Customer Data, Customer's use of the Services, Customer's claim submissions or communications, Customer's violation of law, Customer's failure to obtain required rights, notices, or consents, or Customer's breach of these Terms.

These Terms are governed by the laws of the State of Wyoming, without regard to conflict of law principles. The parties agree that the exclusive jurisdiction and venue for any dispute arising out of or relating to these Terms or the Services will be the Wyoming Chancery Court, and each party consents to that court's jurisdiction. The parties waive any right to a jury trial to the fullest extent permitted by law. The parties agree that arbitration will not apply unless expressly agreed in a separate written agreement signed by both parties.

Plentitude may update these Terms from time to time. Updated Terms will be posted or otherwise made available. Material changes may be communicated through the Services or by other reasonable means. Continued use of the Services after changes become effective constitutes acceptance of the updated Terms.

Questions about these Terms may be directed to legal@plentitude.io.