Terms of Service

Last updated: 30 July 2026. Effective date: [EFFECTIVE DATE]

1. Acceptance and assumption of risk

By downloading or using the app you accept these terms and enter into a binding agreement. If you do not accept them, do not use the app. You must be at least 13 years old to use the app. You must be the age of majority in your jurisdiction to rely on any information in the app for a financial decision. You acknowledge and agree that you use the app entirely at your own risk and on your own responsibility.

2. Licence

We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use the app for personal, non-commercial purposes only. All other rights are reserved.

3. Not professional advice

Cacy does not provide insurance, financial, legal, tax or actuarial advice. Using the app creates no fiduciary, advisory, brokerage or agency relationship. Nothing in the app is a recommendation to buy, keep, cancel or change any policy. You must consult a licensed insurance producer or another qualified professional before acting.

4. Estimates are not quotes

All figures in the app are benchmarks derived from published data and modelling. They are not offers, are not binding, and are not guaranteed to be available to you. Your actual premium depends on underwriting factors that Cacy does not see. You must confirm all coverage and pricing directly with the insurer before buying.

5. Third-party data

Data in the app comes from government bodies, industry filings and third-party publishers, including NAIC statutory filings, the CMS Marketplace API and CMS open enrolment files, the FEMA National Risk Index, KFF survey data, AM Best ratings, S&P Global, Quadrant Information Services, and published Canadian outlooks from MoneyGeek, MyChoice, PolicyAdvisor and PolicyMe. It is provided as received. It may be delayed, incomplete or superseded. The operator does not independently verify it and is not responsible for errors in it.

Canadian per-insurer rates are not published openly because GISA data is licensed, so Canadian figures are provincial averages and estimates.

6. AI output

KAI answers are generated by a large language model and can be wrong, outdated or incomplete. KAI is not a substitute for professional advice and must not be relied on as the sole basis for any decision. You must not enter sensitive personal, medical or financial identifiers into it.

7. No warranty

The app and all content are provided "AS IS" and "AS AVAILABLE", with all faults. To the maximum extent permitted by applicable law, the operator expressly disclaims all warranties, whether express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, currency, non-infringement, and uninterrupted or error-free operation.

8. Assumption of risk

You use the app entirely at your own risk and on your own responsibility. You are solely responsible for every insurance decision you make, every figure you rely on, and every action you take based on the app. You must always verify any information, coverage, pricing, or recommendation with a licensed insurer or qualified professional before acting. We are not responsible for any loss, damage, harm, or decision that results from your use of the app or your reliance on any content in it.

9. Limitation of liability

To the maximum extent permitted by applicable law, Cacy App, its owners, operators, affiliates, officers, directors, employees, agents, suppliers and licensors are not liable for any direct, indirect, incidental, special, consequential, exemplary, punitive or any other damages, nor for any loss of profits, savings, revenue, premiums, coverage, data, goodwill, opportunity or anticipated savings, nor for any uninsured or underinsured loss, denied claim, coverage gap, lapse, misclassification, overpaid or underpaid premium, or other financial or personal harm, arising from use of or inability to use the app, or from any reliance on any information, figure, estimate, or AI output in the app, whether in contract, tort, negligence, strict liability or otherwise, even if we have been advised of the possibility of such damages.

Total aggregate liability for all claims relating to the app is limited to the greater of the amount you paid for the app, which is zero, or ten US dollars. Nothing in this section is intended to exclude liability that cannot lawfully be excluded under the law that applies to you.

10. Jurisdictional carve-out

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above may not apply to you. In those cases liability is limited to the least amount permitted by law. Nothing in these terms excludes liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded, including under Canadian consumer protection legislation.

11. Indemnification

You indemnify and hold the operator harmless from claims, damages, losses and reasonable legal fees arising from your use of the app, your breach of these terms, or your violation of any law or third-party right.

12. Acceptable use

You must not:

• reverse engineer the app;
• scrape, bulk extract or redistribute the data;
• resell the app or its content;
• redistribute it commercially;
• use it to build a competing dataset;
• access it by automated means.

13. Intellectual property

The app, its design, text and compilations are owned by the operator. Underlying source data remains the property of its respective publishers.

14. Availability

The operator may modify, suspend or discontinue the app or any feature at any time without notice and without liability.

15. Changes to these terms

We may update these terms. Continued use of the app after an update constitutes acceptance of the updated terms.

16. Governing law and venue

These terms are governed by [GOVERNING LAW AND VENUE], which is also the exclusive venue for any dispute, without regard to conflict of law rules.

17. Apple

These terms are between you and the operator only, not Apple. Apple is not responsible for the app or its content. Apple has no obligation to provide maintenance or support for the app, and no warranty obligation.

In the event of any failure of the app to conform to a warranty, you may notify Apple, and Apple will refund the purchase price, which is zero. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the app.

Apple is not responsible for addressing any claim relating to the app, including product liability claims, claims of legal or regulatory non-compliance, and consumer protection claims. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

18. General

Severability: if any provision is found unenforceable, the rest of these terms remain in effect. No waiver: a failure to enforce a provision is not a waiver of it. Entire agreement: these terms, with the privacy policy and disclaimer, are the entire agreement between you and the operator about the app. Assignment: you may not assign these terms; the operator may assign them.

Contact

Cacy App. Email info@neuraledgesolutions.com.