Contents
1. Acceptance of Terms2. Service Description3. Accounts & Access4. Subscription & Billing5. Data Ownership & Portability6. Acceptable Use7. AI-Generated Outputs8. Intellectual Property9. Limitation of Liability10. No Insurance, Legal, or Financial Advice11. Data Accuracy & Your Responsibilities12. Third-Party Data Sources & Service Providers13. Indemnification14. Class Action Waiver15. Time Limitation on Claims16. Force Majeure17. Data Breach Notification18. Termination19. Governing Law & Dispute Resolution20. Severability & Entire Agreement21. Changes to TermsBy creating an account, subscribing to a plan, or using ReadyToUnderwrite (“the Service”), you agree to these Terms of Service on behalf of your insurance agency (“your agency,” “you”). If you do not agree, do not use the Service.
These terms constitute a binding agreement between your agency and NorthArc Labs, Inc., a Delaware corporation doing business as ReadyToUnderwrite (“we,” “us,” “our”).
You agree that clicking “I agree,” “Create Account,” or any similar button, or by accessing or using the Service, constitutes your electronic signature and acceptance of these terms, enforceable under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Uniform Electronic Transactions Act (UETA). We maintain records of your acceptance, including the timestamp, IP address, and version of the terms accepted. These records constitute conclusive evidence of your agreement to these terms.
If you are using the Service on a free plan, you acknowledge that your access to the Service, your provision of account and usage data, and your agreement to these terms (including the acceptable use, indemnification, and dispute resolution provisions) constitute adequate consideration for this agreement.
ReadyToUnderwrite is an AI-powered pre-underwriting intelligence platform. The Service provides:
ReadyToUnderwrite is an advisory intelligence tool. It does not replace underwriting judgment, guarantee carrier quotes, or bind insurance coverage. All scores, recommendations, and simulation results are probabilistic assessments — not guarantees of outcome.
We strive to maintain high availability but do not guarantee uninterrupted, error-free, or continuous access to the Service. The Service may be temporarily unavailable due to maintenance, updates, infrastructure issues, or causes beyond our control. We provide no service level agreement (SLA) or uptime guarantee. Your sole remedy for any period of unavailability is a pro-rata credit toward future subscription fees for outages exceeding 24 consecutive hours, applied only upon written request within 30 days of the incident. This credit shall not exceed one month’s subscription fee and is your exclusive remedy for service unavailability.
Each agency has one account. The initial administrator (“Admin”) is responsible for managing users, configuring carrier data, and maintaining account security. All users under an agency share the agency’s subscription and data.
Users are added by invitation only. Admins and Managers may invite users and assign roles (Admin, Manager, Producer Lead, Producer). You are responsible for:
We provide TOTP-based multi-factor authentication. We strongly recommend all users enable MFA. Your agency’s Admin may require MFA for all users via agency settings.
ReadyToUnderwrite offers the following plans:
All paid plans include unlimited users. Analysis volume is the only differentiator between tiers.
Paid subscriptions are billed monthly in advance via Stripe. Overage charges are calculated and billed at the end of each billing cycle to the card on file. All amounts are in US dollars.
We notify you at 70% (dashboard), 85% (email), 100% (overage begins), and 120–150% (upgrade recommendation) of your plan’s included analyses. This prevents surprise charges.
Monthly subscription fees are non-refundable. If you cancel mid-cycle, you retain access through the end of the current billing period. Overage charges for analyses already performed are non-refundable.
Your data is yours. Always. We claim no ownership over your prospect data, carrier configurations, submission records, or any other content you create in ReadyToUnderwrite.
You retain full ownership of all data you enter into or generate through the Service, including prospect records, carrier configurations, documents, scores, and outcomes. We process your data solely to provide the Service. We do not use your agency’s data to train shared AI or machine learning models. If you opt in to our Peer Intelligence feature, only anonymized, aggregated metrics are used — never raw prospect data, carrier configurations, or identifiable submission details.
You may export your data at any time using our built-in export tools. We use commercially reasonable efforts to deliver exports in standard formats (JSON, CSV) as a ZIP archive with integrity checksums. While we endeavor to ensure exports are complete and accurate, we do not warrant that exports will be free of errors or omissions. You are responsible for verifying the completeness of your exported data.
When you close your account, you will be given at least 30 days to export all data before it is scheduled for deletion. We will confirm successful deletion in writing.
You agree not to:
ReadyToUnderwrite uses artificial intelligence for website analysis, risk profiling, questionnaire generation, narrative drafting, and scoring. Regarding AI outputs:
When you submit a prospect’s website URL for analysis, you represent that you have a legitimate business purpose for evaluating that prospect and that you authorize ReadyToUnderwrite to access and analyze publicly available content on that website. We access only publicly available web pages and do not bypass authentication, paywalls, or access-restricted content. You agree to indemnify us against any claim by a website owner arising from our analysis of a URL you submitted. We are not liable for the accuracy of any information extracted from third-party websites.
The Service — including its scoring algorithms, carrier simulation engine, user interface, documentation, and underlying code — is owned by NorthArc Labs, Inc. and protected by intellectual property laws. Your subscription grants you a non-exclusive, non-transferable license to use the Service for your agency’s internal business operations.
You may not sublicense, resell, or white-label the Service without a separate enterprise agreement.
To the maximum extent permitted by law:
You acknowledge that insurance placement decisions involve professional judgment and that ReadyToUnderwrite supplements — but does not replace — that judgment. These limitations apply to the fullest extent permitted by applicable law, regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise).
ReadyToUnderwrite is a technology platform that provides data analysis and scoring tools. We are not an insurance agency, broker, underwriter, or carrier. We do not:
Your agency is solely responsible for all insurance-related decisions, including whether to pursue a prospect, which carriers to submit to, and the accuracy and completeness of all submission materials sent to carriers.
You are solely responsible for:
If you use ReadyToUnderwrite’s Prospect Portal to collect information from prospects (via questionnaire links, document upload requests, or other data collection mechanisms), you are solely responsible for:
ReadyToUnderwrite provides a privacy notice on the Prospect Portal interface, but this does not relieve your agency of its independent obligation to comply with applicable data privacy regulations in your jurisdiction.
ReadyToUnderwrite retrieves data from third-party sources including public databases, business websites, and government records. Regarding this data:
ReadyToUnderwrite relies on third-party service providers to deliver the Service, including cloud infrastructure, payment processing, email delivery, error monitoring, and log analytics. We select providers with commercially reasonable security practices, but we are not liable for the acts, omissions, security breaches, outages, or data handling practices of these third-party providers. In the event a third-party provider experiences a security incident affecting your data, our obligation is limited to: (a) notifying you in accordance with our breach notification procedures, (b) cooperating with the provider’s incident response, and (c) taking commercially reasonable steps to mitigate impact. A current list of our subprocessors is maintained in our Privacy Policy.
You agree to indemnify, defend, and hold harmless NorthArc Labs, Inc., its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
We will indemnify, defend, and hold harmless your agency from third-party claims alleging that the Service itself (excluding your data, configurations, and AI outputs generated from your data) infringes a valid United States patent, copyright, or trademark. This obligation does not apply to claims arising from: (a) your data or content, (b) modifications you request or make to the Service, (c) your use of the Service in combination with third-party products not provided by us, or (d) your use of the Service after we notify you of a potential infringement and provide a non-infringing alternative. Our total liability under this indemnification shall not exceed the aggregate cap stated in Section 9. This is your exclusive remedy for intellectual property infringement claims related to the Service.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
You and ReadyToUnderwrite agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You expressly waive any right to participate in a class action lawsuit or class-wide arbitration against NorthArc Labs, Inc.
If for any reason a claim proceeds in court rather than through arbitration, both you and ReadyToUnderwrite waive any right to a jury trial.
Any claim arising out of or related to these Terms of Service or the Service must be filed within one (1) year after the cause of action arises. Claims filed after this period are permanently barred. This limitation applies regardless of the legal theory under which the claim is brought.
ReadyToUnderwrite shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, government actions or regulations, embargoes, sanctions, internet or telecommunications failures, infrastructure outages, cyberattacks or security incidents affecting our service providers, third-party API unavailability, power failures, labor disputes, or any other cause beyond our reasonable control.
In the event we become aware of a confirmed security breach that results in unauthorized access to your agency’s data, we will:
Our liability for a data breach is limited to the remedial obligations described above and the aggregate liability cap in Section 9. We are not liable for breaches caused by: (a) your agency’s failure to maintain adequate account security (including failure to enable MFA, use of weak passwords, or failure to revoke access for departed employees), (b) unauthorized access obtained through your agency’s credentials, or (c) security incidents at third-party service providers, for which our obligations are described in Section 12. Nothing in this section limits our obligation to comply with applicable state and federal data breach notification laws.
You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. You will have 30 days after cancellation to export your data.
We may suspend or terminate your account if you:
We will provide at least 14 days written notice before termination, except in cases of fraud or imminent security risk, and will allow data export before account closure.
The following sections survive termination: Data Ownership & Portability, AI-Generated Outputs, Limitation of Liability, No Insurance Advice, Indemnification, Class Action Waiver, Time Limitation on Claims, Data Breach Notification, Governing Law, and Severability.
These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law provisions.
Any disputes will be resolved through binding arbitration in Contra Costa County, California, under the rules of the American Arbitration Association. The arbitration shall be conducted by a single arbitrator. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property rights or prevent unauthorized data access.
If any provision of these terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.
These terms, together with our Privacy Policy and any order forms or enterprise agreements, constitute the entire agreement between your agency and NorthArc Labs, Inc. regarding the Service. These terms supersede all prior agreements, representations, and understandings, whether oral or written.
We may modify these terms. Material changes will be communicated via email to your agency’s Admin at least 30 days before taking effect. If you do not agree to the revised terms, you may cancel your subscription before the effective date. Continued use after the effective date constitutes acceptance.
For questions about these terms: