Terms of Service

These terms and conditions govern your use of our AI-driven insurance solutions and services.

1. Acceptance of Terms

By accessing or using the services provided by Vault Data Solutions, Inc. ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services.

2. Description of Services

Vault Data Solutions provides AI-driven insurance technology solutions, including but not limited to:

  • Insurance carrier aggregation services
  • Master data indexing for insurance question libraries
  • Dynamic form builder for runtime form management
  • Document generation services
  • Zero-entry browser plugin solutions
  • AI-powered unstructured to structured data conversion
  • Data indexing services for various domains

3. User Accounts and Registration

3.1 Account Creation

To access certain services, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your account information
  • Maintain the security of your account credentials
  • Accept responsibility for all activities under your account

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Acceptable Use

4.1 Permitted Uses

You may use our services only for lawful purposes and in accordance with these Terms. You agree to use our services in compliance with all applicable laws and regulations.

4.2 Prohibited Uses

You agree not to use our services to:

  • Violate any applicable laws or regulations
  • Infringe upon the rights of others
  • Transmit harmful or malicious code
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of our services
  • Use our services for fraudulent or deceptive purposes
  • Reverse engineer or attempt to extract source code

5. Intellectual Property Rights

5.1 Our Intellectual Property

All content, features, and functionality of our services, including but not limited to text, graphics, logos, images, and software, are owned by Vault Data Solutions and are protected by copyright, trademark, and other intellectual property laws.

5.2 Your Content

You retain ownership of any content you submit to our services. By submitting content, you grant us a non-exclusive, royalty-free license to use, modify, and distribute such content as necessary to provide our services.

6. Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Service Availability

We strive to maintain high service availability, but we do not guarantee that our services will be uninterrupted or error-free. We reserve the right to modify, suspend, or discontinue any part of our services at any time.

8. Payment Terms

8.1 Fees and Billing

Certain services may require payment of fees. All fees are non-refundable unless otherwise specified. We reserve the right to change our fees at any time with reasonable notice.

8.2 Payment Methods

We accept various payment methods as specified during the registration or purchase process. You agree to provide accurate payment information and authorize us to charge your payment method for all applicable fees.

9. Disclaimers and Limitations of Liability

9.1 Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VAULT DATA SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO YOUR USE OF OUR SERVICES.

10. Indemnification

You agree to indemnify and hold harmless Vault Data Solutions, its officers, directors, employees, and agents from any claims, damages, or expenses arising out of your use of our services or violation of these Terms.

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting us or using the account termination features in our services.

11.2 Termination by Us

We may terminate or suspend your account and access to our services immediately, without prior notice, for any reason, including if you breach these Terms.

11.3 Effect of Termination

Upon termination, your right to use our services will cease immediately. We may delete your account and data in accordance with our data retention policies.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law principles.

12.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Vault Data Solutions regarding your use of our services.

16. Contact Information

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

  • Email: support@vault-data-solutions.com
  • Address: Vault Data Solutions, Inc, 5720 Oak Crest Drive, Philadelphia, PA 18902, United States

Last Updated: September 1, 2025