Terms of Service

Nexture AI, Inc.

Effective Date: February 15, 2026

This document was last reviewed and updated on the effective date above.

These Terms of Service (the "Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Nexture AI, Inc., a Delaware corporation, located at 1521 Alton Rd. PMB 106, Miami Beach, FL 33139, United States ("Company," "we," "us," or "our"), governing your access to and use of the Nexture AI platform and related services (the "Service" or "Platform").

By creating an account, clicking "I Agree," or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Security Statement. If you do not agree to these Terms, you may not access or use the Service.

1. Eligibility & Account Creation

1.1. Age Restriction: The Service is intended for use by individuals who are at least 18 years of age. By using the Service, you represent and warrant that you are at least 18 years old.

1.2. Accurate Information: You agree to provide accurate, current, and complete information during the registration process and to keep your account information updated.

1.3. Account Security: You are solely responsible for maintaining the confidentiality of your login credentials (username and password) and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 1.3.

1.4. Email Verification: Account verification is conducted via email confirmation. You acknowledge that the security of your account is dependent on the security of your associated email account.

1.5. Broker Due Diligence: If you are an insurance broker, agent, or firm ("Broker User"), you acknowledge and agree that you are solely responsible for verifying the identity and authorization of any staff, employees, or other individuals you allow to access the Platform under your account. The Company does not perform background checks or professional license verification on Broker Users or their authorized staff.

2. Platform Services & Our Role

2.1. Service Description: The Service is a platform designed to provide AI-powered tools for insurance brokers and buyers (both individual and commercial). These tools include smart storing and sorting of insurance documents (e.g., policies, binders, endorsements), creation of automatic deliverables (e.g., summaries of insurance, proposals, comparisons of quotes/policies), and access to a chatbot for document inquiries and general insurance questions.

2.2. Our Role as a Tool/Enabler: You understand and agree that Nexture AI provides the Service as a technological "tool" or "enabler" to assist you in your insurance-related activities.

2.3. No Professional Advice: Nexture AI, the Platform, and its AI tools do NOT provide legal, financial, tax, or professional insurance advice. You understand and agree that the Service is not a substitute for the independent judgment of a licensed insurance professional, attorney, financial advisor, or other qualified expert.

2.4. No Fiduciary Duty: Nexture AI does not assume any fiduciary duty, broker-client relationship, or other professional obligations to you, your clients, or any third party. Your relationship with your clients remains solely your responsibility.

3. User Responsibilities & Conduct

3.1. Lawful Use: You agree to use the Service only for lawful purposes and in accordance with these Terms and all applicable federal, state, and local laws and regulations.

3.2. Prohibited Activities: You agree not to:

• Use the Service in any manner that violates any applicable federal, state, local, or international law or regulation.
• Use the Service to engage in any fraudulent, abusive, or unlawful activity.
• Impersonate or attempt to impersonate Nexture AI, a Nexture AI employee, another user, or any other person or entity.
• Interfere with or disrupt the integrity or performance of the Service or the data contained therein.
• Attempt to gain unauthorized access to the Service or its related systems or networks.
• Upload or transmit any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which, as determined by us, may harm Nexture AI or users of the Service or expose them to liability.

3.3. Prohibition of Highly Sensitive Data: You expressly agree not to upload, post, or transmit any User Content (as defined below) that contains highly sensitive personal information, including but not limited to Social Security Numbers (SSNs), beyond what is strictly necessary and explicitly provided for in standard Property & Casualty insurance documentation. You are solely responsible for ensuring that any User Content you upload does not contain SSNs. If, despite this prohibition, you upload User Content containing SSNs, you do so at your own risk, and Nexture AI, Inc. expressly disclaims all liability, damages, and responsibilities for the security, protection, or any unauthorized access, use, or disclosure of such SSNs. We are not obligated to monitor for the presence of SSNs in User Content, and we reserve the right to remove any content found to contain SSNs and/or suspend or terminate your account without notice.

3.4. Broker User's Compliance: If you are a Broker User, you acknowledge and agree that you are solely responsible for:

• Complying with all applicable federal, state, and local laws, regulations, and ethical standards governing your profession, including but not limited to the Gramm-Leach-Bliley Act (GLBA) and state-specific insurance regulations regarding record-keeping, client data privacy, and professional conduct.
• Obtaining all necessary legal bases, consents, authorizations, and rights from your clients to upload, process, and use their data (including Nonpublic Personal Information, or NPI) on the Platform.
• Ensuring that any advice, recommendations, or information you provide to your clients, which may be informed or assisted by the Service, complies with all professional obligations and applicable laws.
• Independently reviewing, verifying, and confirming the accuracy, completeness, and applicability of all AI-generated outputs before acting on them, relying on them, or sharing them with your clients.
• Maintaining your own official records and meeting all record-keeping requirements independent of the Platform. Deleting data from the Platform does not absolve you of your own legal or regulatory record-keeping duties.

4. User Content & Intellectual Property

4.1. User Content Ownership: You retain all intellectual property rights in and to the content (including documents, data, notes, and templates) that you upload, submit, post, or otherwise make available on or through the Platform ("User Content").

4.2. License to User Content for Platform Operation: By uploading User Content, you grant Nexture AI a worldwide, non-exclusive, royalty-free, sublicensable (to our authorized third-party service providers, as described in our Privacy Policy), and transferable license to host, store, copy, display (to you and other authorized users within your account), reproduce, transmit, process, analyze, and perform derivative works (e.g., summaries, comparisons) of your User Content. This license is granted solely for the purpose of operating, providing, securing, and improving the Platform's services to you, including storing your documents, enabling AI processing, generating outputs for your use, and creating backups.

4.3. License to Anonymized/Pseudonymized User Content for AI Improvement: Additionally, solely to improve and develop the Platform's AI models and features, you grant Nexture AI a limited, non-exclusive, royalty-free, worldwide license to use, reproduce, and adapt anonymized or pseudonymized versions of your User Content and your interactions with the Platform. This license explicitly excludes any use that would re-identify you or make your personal data publicly available. You may opt out of this specific use of your anonymized/pseudonymized data as described in our Privacy Policy.

4.4. AI Output Ownership: Any specific outputs generated by the Platform's AI tools (such as summaries, comparisons, or proposals) that are derived from your uploaded User Content shall be considered your intellectual property, provided that they are solely based on your input and generated for your internal use or for use with your clients in the ordinary course of your business. You acknowledge that this ownership is subject to the disclaimers regarding AI accuracy and Nexture AI's IP rights in the underlying algorithms.

5. Nexture AI Intellectual Property

5.1. Company IP Ownership: The Platform, including all of its software, algorithms, AI models, user interface, design, trademarks, service marks, logos, trade names, and all other proprietary content and materials (excluding User Content), are the exclusive property of Nexture AI, Inc. and its licensors. All rights in and to the Platform not expressly granted to you are reserved by Nexture AI, Inc.

5.2. Restrictions: You agree not to, and will not permit any third party to:

• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, or algorithms of the Platform or any software, documentation, or data related to the Platform.
• Modify, translate, or create derivative works based on the Platform or any software (except to the extent expressly permitted by Nexture AI, Inc. or authorized within the Platform's intended functionality).
• Circumvent or attempt to circumvent any technical protection measures in the Platform.
• Use any robot, spider, or other automatic device, process, or means to access the Platform for any purpose, including monitoring or copying any of the material on the Platform, without our prior express written consent.
• Attempt to gain unauthorized access to any portion or feature of the Platform, or any other systems or networks connected to the Platform or to any of our servers, by hacking, password "mining," or any other illegitimate means.
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Platform, use of the Platform, or access to the Platform for any commercial purposes (other than your legitimate internal business use as an authorized user of the Platform), without our express written permission.

5.3. Enforcement: You acknowledge that any unauthorized use or infringement of our intellectual property rights would cause irreparable harm to Nexture AI, Inc. for which monetary damages alone would be inadequate. Accordingly, you agree that in the event of any such unauthorized use or infringement, we will be entitled to seek injunctive relief in addition to any other remedies available at law or in equity.

5.4. Trademarks: All trademarks, service marks, logos, and trade names used on the Platform are proprietary to Nexture AI, Inc. or their respective owners. You may not use any of our trademarks without our prior written permission.

6. AI Disclaimers & Accuracy

6.1. Informational Purposes Only: The AI-generated outputs (including but not limited to summaries, comparisons, proposals, and chatbot responses) are provided for informational purposes and as an aid to your workflow only. They are not intended to be, and should not be relied upon as, comprehensive, definitive, or error-free.

6.2. Not Professional Advice: The Platform and its AI tools do not provide legal, financial, tax, or professional insurance advice. You understand and agree that you are solely responsible for obtaining qualified professional advice concerning any decisions or actions you take based on information from the Platform.

6.3. No Guarantee of Accuracy, Completeness, or Timeliness: We do not warrant the accuracy, completeness, reliability, timeliness, or suitability of any AI-generated content. You acknowledge that AI models, including Large Language Models (LLMs), can make errors, misinterpret context, or "hallucinate" information, producing content that is inaccurate, incomplete, or out-of-date.

6.4. User's Sole Responsibility & Verification: You are solely responsible for reviewing, verifying, and confirming the accuracy, completeness, and applicability of all AI-generated outputs before acting or relying on them, or using them with your clients. Any reliance on the AI-generated content is at your own risk. For Broker Users, this includes ensuring all information complies with your professional obligations and all applicable state and federal insurance laws and regulations.

6.5. Not a Substitute for Human Review: The AI tools are intended to augment, not replace, human expertise and professional judgment. Always conduct thorough human review and due diligence.

7. Third-Party Services

7.1. Third-Party Providers: You acknowledge that we utilize various third-party service providers to operate the Platform, including cloud hosting providers (e.g., AWS), third-party OCR companies (to convert documents to text), third-party Large Language Model (LLM) providers (to power AI features), and payment gateways.

7.2. Contractual Safeguards: We have contractual agreements in place with these service providers that require them to maintain the confidentiality and security of your data and prohibit them from using your data for their own independent purposes, including for training their models, except as described in our Privacy Policy.

7.3. Payment Processor: If you make payments through the Service, your payment information will be collected and processed by a third-party payment processor. We do not store your full payment card details on our servers. Your use of the payment processor's services is subject to their terms and privacy policies.

7.4. No Liability for Third-Party Terms: Your interactions with any third-party services linked to or integrated with the Platform are solely between you and the third-party service. We are not responsible for the privacy practices or the content of these third-party services.

8. Fees & Payment Terms

8.1. Subscription Model: Access to certain features of the Service is provided on a subscription basis (e.g., monthly or annual). By subscribing, you agree to pay the applicable fees.

8.2. Billing & Auto-Renewal: You authorize us (via our third-party payment processor) to charge your payment method on a recurring basis for your subscription. Subscriptions will automatically renew at the then-current rates unless you cancel before the renewal date. To cancel your subscription, you may do so through your account settings or by contacting us at admin@nextureai.com prior to your next billing cycle.

8.3. Refund Policy: All fees are non-refundable, except as expressly provided in these Terms or as required by applicable law. If we terminate your account for reasons other than your breach of these Terms, we will provide a pro-rata refund of any prepaid but unused subscription fees.

8.4. Changes to Fees: We reserve the right to change our subscription fees upon reasonable notice.

9. Termination

9.1. Your Right to Terminate: You may terminate your account at any time by contacting our support team at admin@nextureai.com.

9.2. Our Right to Terminate: We may suspend or terminate your account and access to the Service at our sole discretion, without prior notice, if you breach these Terms, engage in illegal activity, or for any other reason we deem appropriate.

9.3. Effect of Termination: Upon termination, your right to use the Service will immediately cease. Your User Content may be deleted or retained according to our Data Retention Policy described in our Privacy Policy. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Disclaimers of Warranties

10.1. "AS IS" / "AS AVAILABLE": THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

10.2. NO GUARANTEE OF UPTIME/PERFORMANCE: WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE.

10.3. NO GUARANTEE OF COMPLIANCE: WE DO NOT WARRANT OR GUARANTEE THAT YOUR USE OF THE PLATFORM WILL ENSURE YOUR COMPLIANCE WITH ANY LEGAL OR REGULATORY OBLIGATIONS (INCLUDING, WITHOUT LIMITATION, GLBA OR STATE INSURANCE REGULATIONS). YOU ARE SOLELY RESPONSIBLE FOR SUCH COMPLIANCE.

11. Limitation of Liability

11.1. EXCLUSION OF CONSEQUENTIAL DAMAGES: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NEXTURE AI, INC., ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICE OR ANY AI-GENERATED OUTPUTS.

11.2. NO RESPONSIBILITY FOR CERTAIN DAMAGES: UNDER NO CIRCUMSTANCES WILL NEXTURE AI, INC. BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN. THIS INCLUDES, BUT IS NOT LIMITED TO, ANY LOSS OR DAMAGE ARISING FROM YOUR UPLOAD OF SSNs IN VIOLATION OF THESE TERMS.

11.3. CAP ON DIRECT DAMAGES: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEXTURE AI, INC.'S AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO NEXTURE AI, INC. FOR THE SERVICE IN THE TWELVE (12) MONTHS PRIOR TO THE DATE THE CLAIM AROSE OR ONE HUNDRED DOLLARS ($100.00), WHICHEVER IS GREATER.

11.4. EXCLUSIONS: THESE LIMITATIONS OF LIABILITY SHALL NOT APPLY TO LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD ON THE PART OF NEXTURE AI, INC., TO THE EXTENT SUCH LIABILITY CANNOT BE LIMITED BY APPLICABLE LAW.

12. Indemnification

You agree to defend, indemnify, and hold harmless Nexture AI, Inc. and its affiliates, agents, officers, employees, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your User Content or your misuse of the Service, including any AI-generated output.
• Any violation by you of any term of these Terms, including without limitation your breach of any of the representations and warranties herein (e.g., unauthorized upload of SSNs, failure to obtain client consent).
• Your violation of any third-party right, including without limitation any privacy or intellectual property right.
• Your violation of any applicable law, rule, or regulation, including your GLBA obligations or state insurance regulations.
• Any claim that your content caused damage to a third-party, particularly claims brought by your clients related to your use of the Platform.
• Any other party's access and use of the Service with your unique username, password, or other appropriate security code.

13. IP Indemnification by Nexture AI

Subject to the limitations set forth in these Terms, Nexture AI, Inc. will defend you against any third-party claim brought against you alleging that the Platform's core technology, as provided by Nexture AI, Inc. and used in accordance with these Terms, directly infringes a U.S. patent, copyright, or trade secret of such third party (an "IP Claim"). We will also indemnify you for any damages, attorney's fees, and costs finally awarded against you or for settlement amounts approved by us in writing arising from such IP Claim.

Nexture AI, Inc.'s obligations under this Section 13 are contingent upon: (a) you providing us with prompt written notice of the IP Claim; (b) you granting us sole control over the defense and settlement of the IP Claim; and (c) your cooperation in the defense of the IP Claim.

We shall have no liability or obligation under this Section 13 for any IP Claim that arises from: (i) your unauthorized use of the Platform; (ii) your combination of the Platform with any other products, services, or content not provided by us; (iii) any modifications to the Platform not made by us; (iv) your failure to use updated or modified versions of the Platform provided by us; or (v) claims related to content you upload or any outputs generated from your content.

THIS SECTION 13 STATES NEXTURE AI, INC.'S SOLE AND EXCLUSIVE LIABILITY, AND YOUR SOLE AND EXCLUSIVE REMEDY, FOR ANY IP CLAIMS. OUR AGGREGATE LIABILITY UNDER THIS SECTION SHALL BE LIMITED BY SECTION 11 ('LIMITATION OF LIABILITY') OF THESE TERMS.

14. Dispute Resolution

14.1. Binding Arbitration; Class Action Waiver: You and Nexture AI, Inc. agree that, except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Service (collectively, "Disputes") will be settled by binding arbitration on an individual basis, rather than in court. The arbitration will be administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules (or Consumer Arbitration Rules if applicable to you as an individual) and the Supplementary Procedures for Consumer-Related Disputes (if applicable) then in effect. The arbitration shall be conducted by a single, neutral arbitrator.

14.2. Exceptions: This Arbitration Agreement does not require arbitration of the following claims: (i) individual claims brought in small claims court; and (ii) claims seeking injunctive or equitable relief for the alleged unlawful use of copyrights, trademarks, trade names, logos, trade secrets, or patents.

14.3. Class Action Waiver: You and Nexture AI, Inc. agree that each party may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class, representative, or private attorney general proceeding. Unless both you and Nexture AI, Inc. agree, no arbitrator or judge may consolidate more than one person's claims or otherwise preside over any form of a representative or class proceeding.

14.4. Opt-Out Right (for individual users): If you are an individual (not an entity), you have the right to opt out of the arbitration provision by sending written notice of your decision to opt out to admin@nextureai.com within thirty (30) days of first accepting these Terms. Your opt-out notice must include your name and address, your Nexture AI, Inc. username (if any), and an unequivocal statement that you want to opt out of this arbitration agreement. If you opt out, all parts of this Arbitration Agreement will not apply to you, but the remainder of these Terms will continue to apply.

14.5. Governing Law for Arbitration: The Federal Arbitration Act will govern the interpretation and enforcement of this Section 14.

15. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. You agree that any legal action or proceeding arising under these Terms that is not subject to arbitration shall be brought exclusively in the state or federal courts located in the State of Delaware, and you hereby consent to the personal jurisdiction and venue therein.

16. General Provisions

16.1. Severability: If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

16.2. Entire Agreement: These Terms, together with our Privacy Policy, Security Statement, and any other legal notices published by us on the Service, constitute the entire agreement between you and Nexture AI, Inc. concerning the Service.

16.3. Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms at any time without notice to you.

16.4. Force Majeure: We will not be liable for any delay or failure to perform resulting from causes outside our reasonable control.

16.5. No Waiver: No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

16.6. Notices: We may provide notices to you by posting them on the Service, by email to the address associated with your account, or by other means.

16.7. Electronic Communications: By using the Service, you consent to receive communications from us electronically, including via email and in-app notifications. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing, in accordance with the Electronic Signatures in Global and National Commerce Act (ESIGN Act) and applicable state laws.

17. Service Modifications

We reserve the right to modify, update, or discontinue any part of the Service at any time. For material changes that significantly reduce the functionality you are paying for, we will provide at least thirty (30) days' prior notice via email or in-app notification. If you do not agree with such changes, you may terminate your account and receive a pro-rata refund of any prepaid fees for the affected period.

18. Contact Information

If you have any questions about these Terms, please contact us at: