By accessing or using the Refactor AI website and services, operated by Latent Insurance, Inc. (“we,” “our,” or “us”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
Refactor AI builds and runs Agent systems that do insurance work: core system delivery for carriers, and intake, document retrieval and form completion for brokers and MGAs. Engagements are delivered under a separate written agreement that sets out scope, fees, data handling and acceptance. Where these Terms and an engagement agreement conflict, the engagement agreement governs.
Refactor AI is a technology and delivery service. It does not sell insurance. Insurance services are sold by Latent Insurance Services, LLC (CA License #6018932), a separate, licensed entity, and are subject to its own terms.
When using our website or services, you agree to:
Our Agents draft, build and propose. Nothing they produce is released into your systems, sent to a third party or bound without approval by a person on your side, unless you have expressly configured otherwise in writing. You remain responsible for the decisions you approve.
Information on our website is for general informational purposes only and is not insurance, legal, financial or engineering advice. Consult qualified professionals for advice about your specific situation.
To the maximum extent permitted by law, Latent Insurance, Inc. shall not be liable for any indirect, incidental, special, consequential or punitive damages arising out of or relating to your use of our website or services. Our total liability shall not exceed the fees paid to us for the services in question.
All content on our website, including text, graphics, logos and software, is the property of Latent Insurance, Inc. or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute or create derivative works without our prior written consent. Ownership of work product delivered under an engagement is set out in the engagement agreement. Company names and logos shown on this site are trademarks of their respective owners.
Our website may contain links to third-party websites. We are not responsible for the content, privacy policies or practices of those sites.
We may modify these Terms of Service at any time. Changes take effect when posted on this page. Your continued use of our website or services after changes are posted constitutes acceptance of the modified terms.
We may terminate or suspend your access to our website or services at any time, without prior notice, for conduct we believe violates these Terms of Service or is harmful to other users, to us or to third parties.
These Terms of Service are governed by and construed in accordance with the laws of the State of California and the United States, without regard to conflict of law principles.
If you have questions about these Terms of Service, please schedule a call with us. Latent Insurance, Inc., San Francisco, CA.