Terms.

Interline is software for insurance advisory operations: ingesting illustrations, running scenario projections, composing review documents, classifying inbound communication, and surfacing operational signals to the team running an advisory firm.

Interline is a software vendor. Interline is not your investment advisor, fiduciary, broker, or compliance officer. The output of the service is a starting draft for licensed professionals, not advice to your end clients.

Subject to these terms, Interline grants you a non-exclusive, non-transferable, worldwide right to access and use the service for your firm's internal business purposes during the subscription term.

You will not, and will not permit any user to:

• Process data you do not have the right to process under applicable law.
• Reverse-engineer, decompile, or attempt to extract the source code of the service, except to the extent that restriction is prohibited by applicable law.
• Use the service to build a competing product or to train a model intended to replicate the service.
• Send unsolicited bulk communication, run a denial-of-service test without prior written authorization, or interfere with the integrity of the service for other tenants.
• Use the service in violation of applicable law, including export control, sanctions, anti-money-laundering, and consumer protection regulations.

We may suspend access if your usage threatens the integrity of the service for other tenants. We will tell you why and we will work with you to restore access as soon as the underlying issue is resolved.

You retain all rights, title, and interest to the data you upload to or generate through Interline (the “Customer Data”). You grant Interline a limited license to host, process, transmit, and display Customer Data only as needed to operate the service for you and to perform our obligations under these terms.

We will not sell, license, or share Customer Data with third parties for their own use. We may share Customer Data with infrastructure subprocessors strictly to perform the service. The current subprocessor list is published at /legal/subprocessors and a Data Processing Addendum aligned with GDPR Article 28 is available at /legal/dpa.

A Business Associate Agreement is available at /legal/baa for tenants processing Protected Health Information under HIPAA.

Interline retains all rights, title, and interest in and to the service, including the software, models, prompts, design system, documentation, and any improvements or derivative works created by Interline. No rights are granted by implication, estoppel, or otherwise other than as expressly set forth in these terms.

If you provide feedback, suggestions, or feature requests, you grant Interline a perpetual, irrevocable, royalty-free license to incorporate that feedback into the service without obligation to you.

Plans are described at /pricing. Paid plans renew automatically at the end of each billing cycle unless cancelled. We do not auto-charge mid-cycle for usage overage; if your usage approaches a plan limit we email the workspace owner first.

Fees are exclusive of taxes. You are responsible for any sales, use, or value-added taxes assessed on the fees by a competent authority. Past-due amounts accrue interest at the lesser of 1% per month or the maximum rate permitted by law.

Cancellation takes effect at the end of the then-current billing cycle. We do not pro-rate refunds for partial months.

Interline warrants that it will provide the service with reasonable care and consistent with the service-level commitment stated in your order form.

OTHER THAN THE EXPRESS WARRANTIES IN THIS SECTION, THE SERVICE IS PROVIDED “AS IS” AND INTERLINE DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

Calculation outputs (IRR, drag, MEC, projections, scenario runs) are estimates based on the inputs you provide. They are not guarantees of policy performance and are not a substitute for review by a licensed professional.

Interline will defend, indemnify, and hold harmless Customer against any third-party claim alleging that Customer's authorized use of the service infringes a third party's patent, copyright, or trademark, and will pay damages and reasonable attorneys' fees finally awarded against Customer or agreed to in settlement, provided that Customer promptly notifies Interline of the claim, gives Interline sole control of the defense, and reasonably cooperates.

Customer will defend, indemnify, and hold harmless Interline against any third-party claim arising from Customer Data, Customer's violation of the permitted-use restrictions in Section 2, or Customer's violation of applicable law.

EACH PARTY'S AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS IS LIMITED TO THE FEES PAID OR PAYABLE BY CUSTOMER TO INTERLINE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

NEITHER PARTY IS LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUES, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS, EVEN IF THE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The limitations in this section do not apply to (a) either party's indemnification obligations under Section 7, (b) Customer's payment obligations, or (c) liability that cannot be limited under applicable law.

These terms remain in effect for the duration of your subscription. Either party may terminate for material breach not cured within thirty (30) days of written notice describing the breach.

On termination, your access to the service ends. Customer Data export remains available for thirty (30) days post-termination, after which we delete from production within ninety (90) days. Backups age out within twelve (12) months. Sections that by their nature should survive (data ownership, IP, warranties, indemnities, limitation of liability, governing law) survive termination.

These terms are governed by the laws of the State of [GOVERNING_STATE], without regard to conflict-of-laws principles. The parties submit to the exclusive jurisdiction of the state and federal courts located in [VENUE_COUNTY], and waive any objection to that venue.

These terms, together with the order form and any incorporated addenda (including the Data Processing Addendum and any signed Business Associate Agreement), are the entire agreement between the parties with respect to the service. No modification is effective unless in writing and signed by both parties. Neither party may assign these terms without the other's prior written consent, except in connection with a merger, acquisition, or sale of substantially all assets, with notice to the other party. If any provision is held unenforceable, the remaining provisions remain in effect.