Legal

Terms of Use

Last Updated: June 17th, 2026

Please read these Terms of Use (the “Terms”) and our Privacy Notice (located at https://www.inframerisk.com/privacy) (“Privacy Notice”) carefully because they govern your access to and use of the website located at https://www.inframerisk.com (the “Site”), offered by InFrame Risk Inc. and its subsidiaries, including InFrame Insurance Services LLC (collectively, “InFrame” “we,” “us,” “our”).

1. Agreement to Terms

By accessing and using the Site (including by uploading, accessing or sharing any User Materials, as defined below), you agree to be bound by these Terms. If you don’t agree to be bound by these Terms, do not use the Site. If you are accessing and using the Site on behalf of a company (such as your employer) or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. In that case, “you” and “your” will refer to that entity.

2. Scope of Terms; Relationship to Services Agreement

The Site may be used to facilitate the upload of documents and other content in connection with insurance services provided by InFrame’s corporate affiliates pursuant to a separate Services Agreement (the “Services Agreement”). These Terms govern only your access to and use of the Site. These Terms do not govern the insurance services themselves, which are provided solely pursuant to, and governed exclusively by, the Services Agreement. In the event of any conflict between these Terms and the Services Agreement, the Services Agreement shall control with respect to the insurance services, and these Terms shall control with respect to your access to and use of the Site. Without limiting the foregoing, the scope of these Terms is limited to: (i) InFrame’s rights in and to User Materials uploaded through the Site; and (ii) your right to access and use the Site. These Terms do not supersede, modify, or otherwise affect the terms of the Services Agreement.

3. Privacy Notice

Please review our Privacy Notice, which also governs your use of the Site, for information on how we collect, use and share your information.

4. Changes to these Terms or the Site

We may update the Terms from time to time in our sole discretion. If we do, we’ll let you know by posting the updated Terms on the Site and/or may also send other communications. It’s important that you review the Terms whenever we update them or you access or use the Site. If you continue to use the Site after we have posted updated Terms it means that you accept and agree to the changes. If you don’t agree to be bound by the changes, you may not use the Site anymore. Because the Site is evolving over time we may change or discontinue all or any part of the Site, at any time and without notice, at our sole discretion.

5. Intellectual Property

Uploading Materials

The Site may enable you to upload, share and store files, documents, images, records and other materials and documentation. Anything that you post or otherwise make available through the Site is referred to as “User Materials”. InFrame does not claim any ownership rights in any User Materials and nothing in these Terms will be deemed to restrict any rights that you may have to your User Materials. You agree to promptly provide any additional information reasonably requested by InFrame when submitting User Materials through the Site.

Permissions to Your User Materials

By making any User Materials available through the Site you hereby grant to InFrame and its corporate affiliates a non-exclusive, transferable, worldwide, royalty-free license, with the right to sublicense, to use, copy, modify, create derivative works based upon, distribute, publicly display, and publicly perform your User Materials in connection with operating and providing the Site, performing any services or obligations under the Services Agreement, and for any other business purposes. Notwithstanding the foregoing, InFrame will not use your User Materials to train, fine-tune, or otherwise develop any artificial intelligence or machine learning models or technologies without your prior express opt-in consent.

Your Responsibility for User Materials

You are solely responsible for all your User Materials. You represent and warrant that (i) all User Materials are true, accurate, current, and complete; (ii) you have (and will have) all rights that are necessary to grant us the license rights in your User Materials under these Terms; (iii) neither your User Materials, nor your use and provision of your User Materials to be made available through the Site, nor any use of your User Materials by InFrame on or through the Site will infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.

Removal of User Materials

You can remove your User Materials by specifically deleting them. You should know that in certain instances, some of your User Materials (such as posts or comments you make) may not be completely removed and copies of your User Materials may continue to exist on the Site. To the maximum extent permitted by law, we are not responsible or liable for the removal or deletion of (or the failure to remove or delete) any of your User Materials.

InFrame’s Intellectual Property

We may make available through the Site content that is subject to intellectual property rights. We retain all rights to that content.

6. General Prohibitions and InFrame’s Enforcement Rights

You agree not to do any of the following:

• Post, upload, publish, submit or transmit any User Materials that: (i) infringe, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violate, or encourage any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) are fraudulent, false, misleading or deceptive; (iv) are defamatory, obscene, pornographic, vulgar or offensive; (v) promote discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) are violent or threatening or promote violence or actions that are threatening to any person or entity; or (vii) promote illegal or harmful activities or substances;
• Use, display, mirror or frame the Site or any individual element within the Site, InFrame’s name, any InFrame trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without InFrame’s express written consent;
• Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by InFrame or any of InFrame’s providers or any other third party (including another user) to protect the Site;
• Attempt to access or search the Site or download content from the Site using any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by InFrame or other generally available third-party web browsers;
• Send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation;
• Use any meta tags or other hidden text or metadata utilizing an InFrame trademark, logo URL or product name without InFrame’s express written consent;
• Use the Site, or any portion thereof, for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms;
• Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Site;
• Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Site;
• Collect or store any personally identifiable information from the Site from other users of the Site without their express permission;
• Impersonate or misrepresent your affiliation with any person or entity;
• Violate any applicable law or regulation; or
• Encourage or enable any other individual to do any of the foregoing.

InFrame is not obligated to monitor access to or use of the Site or to review or edit any User Materials or any other content. However, we have the right to do so for the purpose of operating the Site, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. We reserve the right, but are not obligated, to remove or disable access to any content, including User Materials, at any time and without notice, including, but not limited to, if we, at our sole discretion, consider it objectionable or in violation of these Terms. We have the right to investigate violations of these Terms or conduct that affects the Site. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

7. Links to Third Party Websites or Resources

The Site may allow you to access third-party websites or other resources. We provide access only as a convenience and are not responsible for the content, products or services on or available from those resources or links displayed on such websites. You acknowledge sole responsibility for and assume all risk arising from, your use of any third-party resources.

8. Termination

We may suspend or terminate your access to and use of the Site, including suspending access to or terminating your account, at our sole discretion, at any time and without notice to you. You may cancel your account at any time by sending us an email at support@inframerisk.com. Upon any termination, discontinuation or cancellation of the Site or your account, Sections 5-13 will survive.

9. Warranty Disclaimers

General

THE SITE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, WE EXPLICITLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. We make no warranty that the Site will meet your requirements or be available on an uninterrupted, secure, or error-free basis. We make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of any information or content on the Site.

AI Output

The Site may use artificial intelligence and machine learning technologies operated by InFrame on the backend to process User Materials and other inputs and generate information, analysis, summaries, or other content that may be made available to you through the Site (“Output”). Due to the non-deterministic nature of large language models, Output may not be unique and the Site may generate the same or similar Output for InFrame or a third-party. GIVEN THE PROBABILISTIC NATURE OF MACHINE LEARNING, THE SITE MAY IN SOME SITUATIONS PRODUCE OUTPUT THAT IS INACCURATE OR INCORRECT. THE ACCURACY AND QUALITY OF THE OUTPUT IS DEPENDENT UPON AND COMMENSURATE WITH THAT OF THE USER MATERIALS PROVIDED AND CUSTOMER’S COMPLIANCE WITH THIS AGREEMENT, AND NOTWITHSTANDING ANYTHING ELSE SET OUT HEREIN, INFRAME WILL NOT HAVE ANY LIABILITY OR RESPONSIBILITY TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY LOSS OR DAMAGES RELATING TO OR ARISING FROM USER MATERIALS, THE OUTPUT OR THEIR USE. You will evaluate the content, nature, and accuracy of any Output as appropriate for the applicable use case.

OUTPUT DOES NOT CONSTITUTE INSURANCE COVERAGE ADVICE, RECOMMENDATIONS, BROKERAGE SERVICES, OR GUIDANCE OF ANY KIND, AND ARE NOT A SUBSTITUTE FOR THE ADVICE OR SERVICES OF A LICENSED INSURANCE BROKER. OUTPUTS REFLECT AUTOMATED PROCESSING OF THE INFORMATION YOU PROVIDE AND MAY NOT ACCOUNT FOR ALL FACTS, CIRCUMSTANCES, OR COVERAGE OPTIONS RELEVANT TO YOUR SITUATION. INFRAME STRONGLY RECOMMENDS THAT YOU CONSULT A LICENSED INSURANCE BROKER (WHICH MAY INCLUDE YOUR INFRAME BROKER UNDER THE APPLICABLE SERVICES AGREEMENT) BEFORE YOU MAKE ANY DECISION REGARDING YOUR INSURANCE COVERAGE OR PROGRAM. NOTHING IN THE OUTPUT CREATES OR MODIFIES ANY INSURANCE COVERAGE, POLICY, OR OBLIGATION. ANY INSURANCE COVERAGE DETERMINATION IS GOVERNED SOLELY BY THE APPLICABLE INSURANCE POLICY.

10. Indemnity

You will indemnify and hold InFrame and its officers, directors, employees and agents, harmless from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (a) your access to or use of the Site, (b) your User Materials, or (c) your violation of these Terms.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER INFRAME NOR ITS SERVICE PROVIDERS INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT INFRAME OR ITS SERVICE PROVIDERS HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL INFRAME’S TOTAL CUMULATIVE LIABILITY TO YOU ARISING FROM ALL CLAIMS UNDER OR RELATED TO THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00).

THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN INFRAME AND YOU.

12. Governing Law and Forum Choice

These Terms and any action related thereto will be governed by the Federal Arbitration Act, federal arbitration law, and the laws of the State of California, without regard to its conflict of laws provisions. The exclusive jurisdiction for all disputes arising out of these Terms will be the state and federal courts located in San Francisco, California, and you and InFrame each waive any objection to jurisdiction and venue in such courts.

13. General Terms

Reservation of Rights

InFrame and its licensors exclusively own all right, title and interest in and to the Site, including all associated intellectual property rights. You acknowledge that the Site is protected by copyright, trademark, and other laws of the United States and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Site.

Entire Agreement

These Terms constitute the entire and exclusive understanding and agreement between InFrame and you regarding the Site, and these Terms supersede and replace all prior oral or written understandings or agreements between InFrame and you regarding your use of the Site. If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. Except where provided by applicable law in your jurisdiction, you may not assign or transfer these Terms, by operation of law or otherwise, without InFrame’s prior written consent. Any attempt by you to assign or transfer these Terms absent our consent or your statutory right, without such consent, will be null. InFrame may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.

Notices

Any notices or other communications provided by InFrame under these Terms will be given: (i) via email; or (ii) by posting to the Site. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.

Waiver of Rights

InFrame’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of InFrame. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

Contact Information

If you have any questions about these Terms or the Site, please contact InFrame at the following email: support@inframerisk.com, or phone number: (866) 811‑1207