Security & Compliance
At InsuranceGPTs.com, we understand that security and compliance are paramount concerns for insurance professionals. Our commitment to maintaining the highest standards of data protection and regulatory alignment is reflected in every aspect of our platform design and operations.
Privacy Policy
Last Updated: April 19, 2025
INTRODUCTION
InsuranceGPTs.com ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of any information processed through our platform. This Privacy Policy explains our practices regarding data collection, processing, and protection.
NO DATA STORAGE COMMITMENT
Zero Data Storage Policy: InsuranceGPTs.com operates on a zero-data storage model. We do not store, retain, or maintain any client data on our servers. All interactions and information processing occur exclusively through OpenAI's secure infrastructure.
Interaction Processing: When you use our GPT models:
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Your queries and information are transmitted directly to OpenAI's servers
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Processing occurs in real-time via OpenAI's infrastructure
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Results are delivered back to you
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No copies of your data are stored on our systems
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No information is retained after your session concludes
PERSONAL AND HEALTH INFORMATION
No PHI or PII Retention: Our tools are specifically designed to avoid handling or retaining Personal Health Information (PHI) as defined by HIPAA or Personally Identifiable Information (PII). Specifically:
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We do not collect, store, or process any protected health information
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We do not retain any personally identifiable information that could be used to identify specific individuals
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Our systems are designed to prevent the inadvertent collection of PHI/PII
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No data mining or analysis of user inputs is performed
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No user data is monetized or shared with third parties
SECURITY MEASURES
Enterprise-Grade Security: Though we do not store your data, we implement robust security measures to protect the transmission of information:
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End-to-end encryption for all communications
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Regular security audits and vulnerability assessments
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Strict access controls for our development and administrative team
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Compliance with industry best practices for data security
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Continuous monitoring for potential security threats
DATA DELETION
Because we do not store data, there is no need for a deletion process. However, users should be aware that:
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OpenAI maintains its own privacy policy regarding data processing
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We have configured our systems to request immediate data deletion from OpenAI following processing
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Users can review OpenAI's privacy practices directly on their website
THIRD-PARTY SERVICES
Our platform integrates exclusively with OpenAI's infrastructure. We recommend reviewing OpenAI's Privacy Policy to understand how they process data.
CHILDREN'S PRIVACY
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
INTERNATIONAL USERS
InsuranceGPTs.com services are intended for use by insurance professionals in jurisdictions where such services are permitted. Users outside the United States should verify that their use complies with local regulations.
POLICY UPDATES
Any updates to this Privacy Policy will be posted on this page with a revised "Last Updated" date. Significant changes will be communicated through our platform.
CONTACT INFORMATION
For privacy-related inquiries:
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Email: support@insurancegpts.com
TERMS OF SERVICE
Last Updated: April 19, 2025
ACCEPTANCE OF TERMS
By accessing or using InsuranceGPTs.com and its associated artificial intelligence tools (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Services.
LICENSED PROFESSIONAL USE ONLY
The Services are designed exclusively for use by licensed insurance professionals and entities in the insurance industry. By using our Services, you represent and warrant that:
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You are a licensed insurance professional or authorized representative of an insurance entity
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You possess the necessary qualifications to interpret and validate all information provided by our Services
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You understand the regulatory requirements applicable to your specific insurance activities
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You will use the Services in compliance with all applicable laws and regulations
NATURE OF SERVICES
Informational Tools Only: Our AI models and tools are designed to provide information and assistance only. They do not:
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Provide legal advice
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Make underwriting decisions
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Replace professional judgment
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Constitute insurance recommendations
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Serve as a substitute for proper licensing or certification
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Guarantee regulatory compliance
No Agency Relationship: Use of our Services does not create an agency, partnership, joint venture, or employment relationship between you and InsuranceGPTs.com.
USER RESPONSIBILITIES
As a user of our Services, you agree to:
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Verify all information obtained through our Services before business use
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Exercise independent professional judgment when using outputs from our Services
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Comply with all applicable insurance regulations in your jurisdiction
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Maintain appropriate licensing and credentials for your insurance activities
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Use the Services only for legitimate business purposes
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Not submit PHI, PII, or other sensitive information through our platform
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Not attempt to use our Services to circumvent regulatory requirements
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Not rely solely on our Services for compliance purposes
INTELLECTUAL PROPERTY
All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, and software, are the exclusive property of InsuranceGPTs.com or its licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not:
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Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from our Services
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Attempt to reverse engineer or access underlying code of our Services
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Use our Services to develop competing products or services
LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL INSURANCEGPTS.COM, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
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LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES
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DAMAGES RESULTING FROM INACCURATE OR INCOMPLETE INFORMATION PROVIDED BY OUR SERVICES
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DAMAGES RESULTING FROM REGULATORY NON-COMPLIANCE OR VIOLATIONS
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DAMAGES RESULTING FROM BUSINESS DECISIONS MADE BASED ON OUR SERVICES
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DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO OUR SERVICES
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DAMAGES RESULTING FROM INTERRUPTIONS IN SERVICE OR COMMUNICATIONS
OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES SHALL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID FOR THE SERVICES DURING THE PAST 12 MONTHS.
INDEMNIFICATION
You agree to indemnify, defend, and hold harmless InsuranceGPTs.com, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that arise from or relate to:
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Your use or misuse of our Services
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Your violation of these Terms
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Your violation of any rights of another person or entity
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Your violation of any applicable laws, rules, or regulations
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Any claim that outputs from our Services resulted in financial loss or regulatory penalties
DISCLAIMER OF WARRANTIES
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT:
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THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE
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DEFECTS WILL BE CORRECTED
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THE SERVICES OR SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
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THE SERVICES WILL MEET YOUR SPECIFIC REQUIREMENTS
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THE SERVICES WILL PRODUCE ACCURATE OR RELIABLE RESULTS
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THE SERVICES WILL BE COMPATIBLE WITH ALL REGULATORY REQUIREMENTS
TERMINATION
We reserve the right to terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
GOVERNING LAW
These Terms shall be governed by and construed in accordance with the laws of WY without regard to its conflict of law provisions.
CHANGES TO TERMS
We reserve the right to modify these Terms at any time. Your continued use of the Services following any changes constitutes your acceptance of the revised Terms.
Disclaimer
Last Updated: April 19, 2025
GENERAL DISCLAIMER
The information provided by InsuranceGPTs.com ("we," "our," or "us") on our website and through our artificial intelligence tools (collectively, the "Services") is for general informational purposes only. All information is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information provided.
NOT PROFESSIONAL ADVICE
Not Legal, Financial, or Insurance Advice: Under no circumstance shall we provide legal, financial, or insurance advice through our Services. The information provided is not intended to replace professional advice. Always seek the advice of qualified professionals regarding specific questions about insurance, legal, or financial matters.
No Fiduciary Relationship: No fiduciary relationship is created between InsuranceGPTs.com and any user of our Services. Our AI tools cannot and do not assume the duties or obligations of insurance professionals, attorneys, financial advisors, or other licensed professionals.
REGULATORY COMPLIANCE STATEMENT
Our Services are designed with regulatory workflows in mind, but:
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We do not guarantee compliance with any specific regulations
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Users remain solely responsible for ensuring their activities comply with applicable laws
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Our Services should be used only as supplementary tools within a comprehensive compliance framework
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Outputs should always be reviewed and approved by qualified professionals before implementation
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Regulatory requirements vary by jurisdiction, and our Services cannot account for all variations
ACCURACY LIMITATIONS
AI Limitations: Our Services utilize artificial intelligence technology which, despite continual improvements, has inherent limitations:
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AI models may produce inaccurate, incomplete, or outdated information
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AI outputs may not reflect the most current regulatory changes or industry developments
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AI systems cannot exercise human judgment or account for all contextual factors
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AI responses are based on patterns in training data and may not apply to unique situations
User Verification Required: Users must independently verify all information provided by our Services before reliance or implementation.
DATA PRIVACY STATEMENT
No Data Storage: We do not store client data. All interactions are processed securely via OpenAI's infrastructure.
No PHI or PII Retention: Our tools do not handle or retain Personal Health Information (PHI) or Personally Identifiable Information (PII). Users should not input such information into our systems.
FINANCIAL RISK DISCLAIMER
Insurance decisions involve financial and regulatory risks. Our Services provide informational assistance only and cannot:
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Guarantee profitable or risk-free insurance business outcomes
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Predict market conditions or premium trends
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Eliminate the need for proper underwriting assessment
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Replace actuarial analysis or risk modeling
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Ensure successful claim handling or defense
THIRD-PARTY CONTENT
Our Services may reference or link to third-party content, websites, or services. We do not control, endorse, or assume responsibility for any third-party content or services.
LIMITATION OF REMEDIES
Your exclusive remedy for dissatisfaction with our Services is to stop using them. We reserve the right to modify, suspend, or discontinue our Services at any time without notice or liability.
JURISDICTION-SPECIFIC DISCLAIMERS
The applicability and enforceability of the above disclaimers may be limited by the laws of your jurisdiction. If any portion of these disclaimers is deemed invalid or unenforceable, the remaining portions will remain in effect.