Terms of Service

Stoa provides an AI risk assessment questionnaire (the “Assessment”), generated coverage reports and specimen policy documents, behavioral testing of AI agents, and insurance placement brokerage services (together, the “Service”), provided by Stoa (“Stoa”, “we”, “us”).

Stoa is an independent insurance broker. We do not underwrite our own insurance paper — we identify where your AI systems can trigger loss, map that against coverage, and place what's missing across the open market.

You must be at least 18 years old and able to form a binding contract to use the Service.

You are responsible for the information you submit and for keeping it accurate.

If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

You agree not to use the Service to break the law or infringe the rights of others, to submit false or misleading information about your organization or AI systems, to attempt unauthorized access to any account, system, or data, or to reverse engineer, resell, or scrape the Service except to the extent this restriction is prohibited by law.

Coverage positions shown in the Assessment, reports, and any specimen policy documents are illustrative and based on typical policy wordings; they are not a substitute for review of your own policy documents and do not constitute insurance advice.

A specimen policy is exactly that — a specimen. It is not a policy, quote, binder, or offer of insurance. Coverage can only be bound on the filed forms of a licensed insurer, arranged through the brokerage placement process.

Estimates of frequency, severity, or premium are planning-grade and derived from the information you provide plus published research and typical market pricing. They are not underwriting commitments.

The Assessment is currently offered free of charge. If we introduce paid plans or charge placement or advisory fees, the pricing and billing terms will be presented to you before you incur any charge.

The Service, including its software, design, scenario catalog, and branding, is owned by Stoa and protected by intellectual property laws. Except for the rights expressly granted in these Terms, we reserve all rights in the Service. You may not use our name or marks without our prior written permission.

You retain ownership of the information you submit about your organization and AI systems. You grant us a limited license to process that information to generate your Assessment, reports, and any specimen documents, and to support your placement.

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that any estimate, coverage position, or specimen document will be accurate or complete.

To the maximum extent permitted by law, Stoa will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of the Service, including reliance on any Assessment output, report, or specimen document.

You agree to indemnify and hold harmless Stoa and its officers, employees, and agents from any claims, damages, liabilities, and expenses arising out of your use of the Service or your violation of these Terms or of applicable law.

You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms, if required for security or legal reasons, or if we discontinue the Service. Provisions that by their nature should survive termination, including ownership, disclaimers, limitation of liability, and indemnification, will survive.

[TODO: governing state/jurisdiction to be confirmed by counsel]. These Terms are governed by the laws of that jurisdiction, without regard to its conflict-of-laws rules.

We may update these Terms from time to time. When we make material changes, we will update the “Last updated” date above. Your continued use of the Service after changes take effect means you accept the revised Terms.

Questions about these Terms? Reach us at ved@stoa.insure.

[TODO: entity name, jurisdiction of incorporation, and registered address to be added here]