Pathience Terms of Use

"User Content" means all documents, forms, templates, data models, text, calculations, configurations, and other materials you create, upload, or generate using the Service.

You retain all ownership rights in your User Content. Pathience does not claim ownership of User Content.

You grant Pathience a limited, non-exclusive, worldwide license to host, store, process, display, and transmit User Content solely for the purpose of providing the Service, maintaining security, and performing routine maintenance.

You represent and warrant that you have all necessary rights to your User Content and that it does not violate applicable laws or third-party rights.

Pathience is a software tool only. It does not provide insurance, legal, regulatory, or compliance advice and is not an insurance agent, broker, underwriter, or advisor.

All decisions regarding policy language, coverage, limits, premiums, endorsements, filings, and insurance product design are solely your responsibility. You should consult qualified professionals before using any documents in production.

You are solely responsible for all User Content created, uploaded, or generated using the Service, including:

• Policy forms, endorsements, and applications
• Coverage language and disclosures
• Data models, calculations, and conditional logic
• State-specific or jurisdiction-specific variations

Pathience does not review, approve, validate, or verify User Content for accuracy, legality, or regulatory compliance.

Pathience does not guarantee that any content created using the Service will comply with state or federal insurance regulations, Department of Insurance filing or approval requirements, NAIC model laws, or industry standards.

All generated documents (including PDFs) are produced based solely on User Content and configurations. You must review all generated documents before use. Pathience makes no warranties regarding accuracy, completeness, or fitness for purpose.

To the maximum extent permitted by law, Pathience is not liable for claims, disputes, losses, or liabilities arising from insurance policies or documents created using the Service, including coverage determinations, claims handling, regulatory actions, audits, penalties, or errors or omissions.

The Service, including all software, technology, interfaces, documentation, and non-user content, is owned by Pathience and protected by intellectual property laws. You receive a limited, non-transferable, non-exclusive license to use the Service during the term of these Terms.

You may not copy, modify, reverse engineer, decompile, or create derivative works of the Service, except as permitted by law.

If you provide feedback or suggestions, Pathience may use them to improve the Service without obligation or compensation.

Pathience may suspend your access to the Service, in whole or in part, without terminating these Terms, if we reasonably determine that:

• Fees are past due
• Your use poses a security, legal, or operational risk
• You are engaging in abuse, misuse, or excessive usage of the Service
• Suspension is required to comply with law or regulatory obligations

During suspension, access to the Service or certain features may be limited or unavailable. Suspension does not relieve you of payment obligations.

For month-to-month subscriptions, you may cancel at any time, effective at the end of your current billing period.

For prepaid subscription terms of six (6) months or longer, you may cancel by providing written notice at least 30 days prior to the end of the then-current term. Prepaid fees for the current term are non-refundable, and cancellation will be effective at the end of that term.

We may terminate these Terms for breach or for convenience with at least 30 days' prior notice, except where immediate action is required for security, legal compliance, or to prevent harm.

You may export User Content in standard formats prior to termination. After this period, we may permanently delete User Content, including backups where feasible.

Disputes will be governed by Kansas law and resolved in:

• (a) Small claims court in your jurisdiction, or
• (b) State or federal court in Kansas, or
• (c) Binding arbitration if both parties agree

Class Action Waiver: You may not bring class or representative claims except where prohibited by law.

Disputes will be resolved through binding arbitration under the AAA Commercial Arbitration Rules. Arbitration will be conducted in Kansas or remotely, at Pathience's discretion.

Opt-Out Right: You may opt out of arbitration by providing written notice to within sixty (60) days of the earlier of (i) account creation or (ii) acceptance of these Terms. If you opt out, disputes will be resolved exclusively in state or federal courts located in Kansas.

Small claims court exceptions apply where permitted.

Class Arbitration Waiver: Disputes must be brought on an individual basis only.

Before initiating formal proceedings, both parties agree to attempt informal resolution by contacting . We will respond within fifteen (15) business days.

These Terms constitute the entire agreement between you and Pathience regarding the subject matter hereof and supersede all prior or contemporaneous agreements.

If any provision is held unenforceable, the remaining provisions will remain in effect.

Failure to enforce any provision is not a waiver of that provision.

You may not assign these Terms without Pathience's prior written consent. Pathience may assign these Terms without restriction.

Neither party will be liable for delays or failures due to events beyond reasonable control, including natural disasters, pandemics, government actions, labor disputes, or internet failures.