Terms of Service

By accessing and using CovioIQ ("the Service", "Platform", or "Software"), you accept and agree to be bound by the terms and provisions of this agreement. These Terms constitute a legally binding agreement between you (the "User", "Broker", or "Customer") and Brainfy AI Inc. ("Company", "we", "us", or "our").

If you do not agree to these terms, you must immediately discontinue use of the Service and may not access or use any part of the Platform.

CovioIQ is a cloud-based Customer Relationship Management (CRM) platform specifically designed for Canadian insurance brokers. The Service provides:

• Contact and client management tools
• Policy tracking and renewal management
• AI-powered features including churn prediction, lead scoring, and email categorization
• Sales pipeline and opportunity tracking
• Analytics and reporting capabilities
• Task and workflow management
• Email integration and communication tools

3.1 Account Creation: To use the Service, you must create an account by providing accurate, current, and complete information including your name, email address, phone number, and agency information.

3.2 Account Security: You are responsible for maintaining the confidentiality of your account credentials (username and password). You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3.3 Account Eligibility: You must be at least 18 years old and legally able to enter into contracts. You represent that all information you provide is truthful and accurate.

3.4 Account Suspension: We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activity.

4.1 Plans: We offer multiple subscription tiers (Solo, Team, Agency) with varying features and pricing. Current pricing is available on our website and may be updated with 30 days' notice.

4.2 Billing: Subscription fees are billed monthly or annually in advance. Payment is due upon subscription renewal unless you cancel before the renewal date.

4.3 Free Trial: New users may receive a 14-day free trial. No credit card is required during the trial period. At the end of the trial, you must subscribe to a paid plan to continue using the Service.

4.4 Refunds: We offer a 30-day money-back guarantee for annual subscriptions. Monthly subscriptions are non-refundable except as required by applicable law.

4.5 Price Changes: We reserve the right to modify pricing with 30 days' written notice. Price changes will not affect your current billing cycle.

You agree NOT to use the Service to:

• Violate any laws, regulations, or third-party rights
• Upload or transmit viruses, malware, or malicious code
• Engage in any form of harassment, abuse, or harmful conduct
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any systems or networks
• Use automated systems (bots, scrapers) without written permission
• Resell, sublicense, or redistribute the Service without authorization
• Remove, obscure, or alter any proprietary notices or branding
• Use the Service for any illegal insurance practices or fraud

6.1 Data Ownership: You retain all ownership rights to the data you upload or create in the Service ("Customer Data"). We do not claim any ownership over your Customer Data.

6.2 Data Use: We may use Customer Data to provide, maintain, and improve the Service. We will not sell, rent, or share your Customer Data with third parties except as described in our Privacy Policy.

6.3 Data Security: We implement industry-standard security measures to protect your data. However, no system is 100% secure, and we cannot guarantee absolute security.

6.4 Data Backup: While we regularly backup data, you are responsible for maintaining your own backups of critical information.

6.5 PIPEDA Compliance: We comply with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and store data in Canadian data centers.

7.1 Our IP: The Service, including all software, algorithms, designs, trademarks, logos, and content, is owned by Brainfy AI Inc. and protected by copyright, trademark, and other intellectual property laws.

7.2 License Grant: Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your business purposes.

7.3 Restrictions: You may not copy, modify, distribute, sell, or lease any part of the Service, nor may you reverse engineer or attempt to extract the source code.

7.4 Feedback: If you provide us with feedback, suggestions, or ideas, we may use them without any obligation to compensate you.

8.1 AI Predictions: The Service uses artificial intelligence for features like churn prediction, lead scoring, and email categorization. While we strive for accuracy, AI predictions are probabilistic and should not be the sole basis for business decisions.

8.2 No Guarantees: We do not guarantee the accuracy, completeness, or reliability of AI-generated insights. You should use your professional judgment and verify AI recommendations.

8.3 Human Review: Important business decisions should always involve human review and should not rely solely on automated AI recommendations.

9.1 Uptime: We strive to maintain 99.9% uptime but do not guarantee uninterrupted access. Scheduled maintenance will be announced in advance when possible.

9.2 Support: Support is provided based on your subscription tier. Solo plans receive email support, Team plans receive priority email support, and Agency plans receive dedicated support with phone access.

9.3 Service Modifications: We reserve the right to modify, suspend, or discontinue any part of the Service with reasonable notice.

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED
• WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM
• WE ARE NOT RESPONSIBLE FOR ANY BUSINESS LOSSES, LOST PROFITS, OR LOST DATA

You agree to indemnify, defend, and hold harmless Brainfy AI Inc., its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Your Customer Data or content

12.1 By You: You may cancel your subscription at any time through your account settings. Cancellation will be effective at the end of your current billing period.

12.2 By Us: We may suspend or terminate your account immediately if you violate these Terms or engage in prohibited conduct.

12.3 Data Export: Upon termination, you have 30 days to export your Customer Data. After this period, your data may be permanently deleted.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Ontario.

The Service is intended for use by Canadian insurance brokers and complies with Canadian insurance regulations and PIPEDA.

We reserve the right to modify these Terms at any time. We will provide notice of material changes via email or through the Service at least 30 days before the changes take effect. Your continued use of the Service after changes constitutes acceptance of the new Terms.

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

• Email: admin@covioiq.com
• Mail: Brainfy AI Inc., Edmonton, Alberta, Canada