Terms of Service

1. Acceptance of Terms

By accessing or using Protectix's AI-powered insurance advisory platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Service.

These Terms apply to all users of our platform, including insurance intermediaries, brokers, and authorized representatives using our Selectix product matching and Agentix policy assistance tools.

2. Description of Service

Protectix provides an AI-powered insurance advisory platform designed for UK insurance professionals, including:

• Selectix: AI-driven insurance product recommendation engine
• Agentix: Conversational AI assistant for policy questions and advisory support
• Underwriting Tools: Calculators and risk assessment utilities
• Analytics Dashboard: Performance insights and business intelligence
• Client Management: CRM and application tracking systems

3. Eligibility and Registration

3.1 Professional Requirements

Our Service is exclusively available to licensed insurance professionals, including:

• FCA-authorized insurance intermediaries
• Licensed insurance brokers and agents
• Authorized representatives of insurance firms
• Compliance officers and managers in insurance organizations

3.2 Account Responsibility

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use.

4. Acceptable Use

4.1 Permitted Uses

• Professional insurance advisory activities
• Client consultation and policy recommendations
• Risk assessment and underwriting support
• Compliance with FCA regulations and industry standards

4.2 Prohibited Uses

5. Professional Responsibility

6. Data and Privacy

6.1 Your Data Responsibilities

• Ensure you have proper consent to process client data
• Comply with GDPR and Data Protection Act 2018
• Maintain accurate and up-to-date information
• Report any suspected data breaches immediately

6.2 Our Data Processing

We process data as outlined in our Privacy Policy. We act as a data processor for client data you input into our systems.

7. Subscription and Payment

7.1 Subscription Plans

• Professional: Individual user access with full features
• Team: Multi-user access with collaboration tools
• Enterprise: Custom solutions with dedicated support

7.2 Payment Terms

• Subscriptions are billed monthly or annually in advance
• All fees are non-refundable except as required by law
• Price changes will be communicated 30 days in advance
• Late payments may result in service suspension

7.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. Access to the service will continue until the subscription expires.

8. Intellectual Property

8.1 Our IP Rights

• All AI algorithms, models, and software are our proprietary technology
• The Protectix brand, logos, and trademarks are our property
• Platform design, user interface, and documentation are protected by copyright

8.2 Your IP Rights

You retain ownership of all data you input into our platform. We do not claim ownership of your client information, business data, or any content you create using our tools.

9. Service Availability

9.1 Uptime Commitment

• We target 99.9% uptime for our platform
• Scheduled maintenance will be announced in advance
• Emergency maintenance may occur without notice

9.2 Service Modifications

We may modify, update, or discontinue features with reasonable notice. We will provide migration assistance for significant changes that affect your existing workflows.

10. Disclaimers and Limitations

11. Regulatory Compliance

11.1 FCA Compliance

Our platform is designed to support FCA compliance, but ultimate regulatory responsibility rests with you as the licensed professional.

11.2 Audit Support

We provide audit trails and documentation to support your regulatory requirements and compliance activities.

12. Termination

12.1 Termination by You

You may terminate your account at any time by cancelling your subscription.

12.2 Termination by Us

We may terminate or suspend your access for violations of these Terms, non-payment, or illegal activities. We will provide reasonable notice except in cases of severe violations.

12.3 Data Export

Upon termination, you have 30 days to export your data. After this period, data may be permanently deleted in accordance with our retention policies.

13. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes will be resolved in the courts of England and Wales.

14. Changes to Terms

We may update these Terms periodically. Material changes will be communicated via email and platform notifications. Continued use after changes constitutes acceptance of the updated Terms.

15. Contact Information