Terms of Service

1. Eligibility

Plain language: You must be a U.S.-based adult with a U.S. billing method.

The Service is available exclusively to individuals who:

1. Are at least 18 years old,
2. Are physically located in the United States, and
3. Use a valid U.S.-issued payment method with a U.S. billing address.

By using the Service, you represent and warrant that you meet all three conditions. We reserve the right to revoke access if we detect use from outside the United States or with non-U.S. payment methods.

2. Acceptable Use

Plain language: Use the Service personally, lawfully, and within rate limits.

You agree to:

• Access the Service personally, not via bots, scrapers, or other automated tools.
• Respect rate limits and fairness protections documented in our platform; repeated excess requests may be throttled or blocked.
• Upload only quotes you own or are authorized to submit.
• Refrain from reselling, sublicensing, or commercial republication of audit Outputs.
• Avoid reverse-engineering, data-mining, or cloning any portion of the Service.
• Use the Service lawfully and without disrupting or harming others.

We may suspend or terminate any account that violates these Terms, without prior notice or right of appeal.

3. Service Commitments & Availability

Plain language: We target steady availability, announce maintenance, and respond quickly—without promising more than our current API patterns support.

• Availability target: We design core service endpoints for at least 99% monthly availability when our infrastructure and upstream providers are operational. This is a goal—not a guaranteed service-level agreement—and does not create credits.
• Maintenance windows: We schedule planned maintenance during U.S. nighttime hours with at least 48 hours’ notice via in-product banners or email when downtime is expected to exceed 15 minutes.
• Incident response: For priority incidents affecting logins or submissions, we aim to acknowledge within 4 business hours and provide updates until resolution. Status details may be shared via email or an incident log.
• Dependencies: Service quality depends on underlying hosting, identity, billing, and model providers. Their outages may affect availability without counting toward our internal targets.
• Service changes: Significant functionality changes or removals include advance notice where feasible; enterprise customers may request tailored notice windows subject to legal review.

New obligations are routed through legal review before activation; enterprise commitments may be offered upon request rather than by default.

4. Data Residency & Subprocessors

Plain language: We keep data in U.S. regions, use reputable vendors, and will share the list upon request.

• Hosting: Application workloads run on U.S.-based infrastructure optimized for serving U.S. traffic by default.
• Storage: Operational data (including audit history for subscribed users) is stored in U.S. regions.
• Subprocessors: We rely on third parties for hosting, databases, identity, billing, and model/OCR processing. A current list is available upon request; changes will be communicated in advance where feasible.
• Cross-border transfers: Where data leaves the U.S. because of vendor processing, we implement contractual safeguards provided by those vendors.

5. Security, Audit Logs & Privacy

Plain language: We protect sessions with CSRF and rate-limit controls, keep audit logs for security, and support export/deletion.

• Controls: All pages include CSRF protections, strict content security policies, and rate limiting to mitigate abuse.
• Audit logs: Security and access logs are maintained to investigate abuse and service quality. Access is restricted to authorized personnel and retained for limited durations consistent with operational needs.
• Data export & deletion: Authenticated users can export their audit history and request deletion through the account settings experience. These flows remove account data from primary systems, subject to minimal legal or security retention.
• Third-party certifications: We are not currently SOC 2 or ISO 27001 certified. We maintain controls inspired by these frameworks and can provide a DPA (data processing addendum) upon request for enterprise customers, subject to legal review.
• Vulnerability disclosure: Security researchers may report potential issues to contact@quotechecker.ai; we commit to timely review and will coordinate remediation updates.

6. Support & Escalations

Plain language: Standard support is via email; faster response or dedicated channels are available for enterprises upon request.

• Standard support: Email support is available at contact@quotechecker.ai with a typical response target of two U.S. business days.
• Incident communications: For widespread disruptions, we will provide periodic updates until the issue is resolved.
• Enterprise options: Enhanced support tiers (e.g., faster targets, dedicated channels) may be added upon request and will be subject to separate agreement and legal review.

7. Your Content

Plain language: You own your uploads and must keep them accurate and lawful.

You retain ownership of content you submit but grant us a non-exclusive license to process it solely to provide the Service. You are responsible for:

• Ensuring you have all necessary rights to upload the content.
• Excluding private, sensitive, or defamatory material.
• Keeping submissions accurate, avoiding misinformation, and maintaining appropriate context to improve audit quality.

We do not guarantee any legal compliance, accuracy, or outcome based on your submissions.

8. Generated Content (“Outputs”)

Plain language: You can use outputs personally, but commercial reuse requires permission.

Audit summaries, transparency scores, and recommended messages (collectively, “Outputs”):

• Are licensed to you for personal, non-commercial use.
• May be publicly shared for personal purposes (e.g., on social media or a personal blog) provided they are not modified in a way that misrepresents the Service and are not offered for sale or incorporated into commercial products.
• Remain the intellectual property of QuoteChecker.ai.
• May not be resold, sublicensed, embedded in commercial offerings, or used to train other models.

Commercial licensing is available separately under Contractor Mode.

9. Accounts

Plain language: One account per household; keep credentials safe.

• One personal account per individual household.
• Keep your credentials confidential; you are responsible for all activity under your login.
• Maintain credential hygiene (strong passwords, multi-factor authentication where available) and safeguard session tokens.
• We may suspend, restrict, or delete any account at any time, at our sole discretion.
• Upon termination, we may immediately delete your data and have no obligation to provide an export.

10. Billing & Subscriptions

Plain language: Plans auto-renew; refunds are available for the first 14 days.

• Paid plans are offered on monthly or annual cycles and auto-renew by default.
• All charges are processed by a secure third-party payment provider.
• New subscriptions include a 14-day refund window. If you are not satisfied during your first 14 days, email contact@quotechecker.ai and we will refund your first payment in full.
• Failed payments pause access immediately; reactivation requires settling the balance.
• Plan prices or features may change with advance notice; continued use after the effective date constitutes acceptance.

11. AI & Automation Disclaimer

Plain language: AI outputs may be wrong—verify before relying on them.

The Service submits your content to external AI systems to generate Outputs. Standard models process your data transiently and do not retain it beyond fulfilling your request.

If you opt into our most advanced models, the provider may retain submitted inputs and generated outputs for up to 30 days solely to monitor and prevent abuse. The retained data is kept outside of model-training pipelines and is deleted automatically after the retention window.

Outputs are informational, may contain errors, and must be independently verified before reliance. We are not liable for decisions made using the Service.

12. Warranty Disclaimer

Plain language: The Service is provided as-is without warranties.

The Service is provided “as is” and “as available,” without warranties of any kind—express or implied—including accuracy, reliability, or fitness for a particular purpose. Use the Service at your own risk.

13. Limitation of Liability

Plain language: Our liability is capped and excludes indirect damages.

To the maximum extent permitted by law:

• We are not liable for any direct or indirect damages arising from your use of the Service.
• If liability is imposed, it is limited to the amount you paid us in the twelve (12) months preceding the claim.
• We are never liable for consequential, incidental, punitive, or special damages, even if advised of the possibility.

14. Termination

Plain language: We or you can end access; deletions are permanent.

We may modify, suspend, or terminate the Service—or your access to it—at any time, for any reason, without notice. You may close your account at any time via Settings; deletion is permanent and irreversible.

15. Governing Law & Dispute Resolution

Plain language: Idaho law applies and disputes go to arbitration in Boise.

These Terms are governed by the laws of the State of Idaho, U.S.A., without regard to conflict-of-law principles.

• Binding arbitration in Boise, Idaho will resolve any dispute arising from or related to the Service.
• You waive the right to jury trials and to participate in class or representative actions.
• If any provision of these Terms is held unenforceable, the remaining sections remain in full force.

16. Changes to These Terms

Plain language: We will notify you when these Terms change.

We may update these Terms at any time. Revised Terms become effective upon posting. Your continued use after the effective date constitutes acceptance.

17. Contact

Plain language: Email us with questions or security reports.

Questions about these Terms? Email contact@quotechecker.ai.

QuoteChecker.ai provides informational insights only and does not constitute legal or contracting advice. Consult a qualified professional before relying on any Output.

Obligations that require formal legal approval will be routed through our counsel prior to enforcement; where commitments are pending, they are offered upon request rather than guaranteed by default.