--- title: Terms of Service description: Qualified Intelligence Terms of Service lastUpdated: June 14, 2026 --- # Terms of Service Welcome, and thank you for your interest in Underflow, Inc. ("Underflow," "we," or "us"), dba Qualified Intelligence. These Terms of Service ("Terms") govern your access to and use of Qualified Intelligence's website, insurance program, and related services, including qualifiedintelligence.com (collectively, the "Service"). By using the Service, you agree to these Terms. Please also read our [Privacy Policy](/privacy), which explains how we collect, use, disclose, and process personal data. ## 1. Access and use ### 1.1 Provision of Access Qualified Intelligence provides an insurance program for organizations that use AI in business workflows. We underwrite coverage for documented costs of fixing work done with AI, based on information about AI usage, business context, workflow criticality, controls, and prior incidents. We do not certify that a model is fair, correct, or suitable for any particular use. Subject to your compliance with these Terms, Underflow grants you a limited, non-exclusive, non-transferable right to access and use the Service. ### 1.2 Program participation The Service may support applications, risk assessments, coverage terms, deductibles, renewals, claims correspondence, and related program administration. You are responsible for providing accurate information and for using the Service consistently with your legal obligations and any policy documents that govern your coverage. ### 1.3 Model Training **Underflow will not use your Content to train, or allow any third party to train, any general-purpose AI models, unless you have explicitly agreed to such use.** ## 2. Customer content and integrations ### 2.1 Inputs and Outputs You may provide inputs to the Service ("Inputs"), including AI usage information, control documentation, underwriting questionnaires, incident records, correspondence, and related records. The Service generates outputs based on your Inputs ("Outputs"), including risk assessments, recommendations, program correspondence, and related underwriting materials. Inputs and Outputs are collectively "Content." ### 2.2 Ownership As between you and Underflow, you retain ownership of your Inputs. Subject to your compliance with these Terms, Underflow assigns to you all right, title, and interest in Outputs generated specifically for you. ### 2.3 License to Underflow By submitting Inputs to the Service, you grant Underflow a limited license to use, process, and store your Content solely to provide the Service to you, comply with applicable law, enforce our terms and policies, and keep the Service safe. ### 2.4 Your Responsibility You represent and warrant that you have all rights, licenses, notices, consents, and permissions necessary for Underflow to process your Inputs under these Terms, including any personal information, sensitive personal information, regulated data, third-party content, or AI usage materials contained in your Content. ## 3. AI, insurance, and professional limitations You acknowledge that Outputs may be generated or assisted by artificial intelligence and machine learning technology. AI has inherent limitations, including: - Outputs may contain errors, omissions, or inaccuracies - Underwriting assessments and related materials may require business, legal, or insurance review - Generated correspondence, summaries, and records may require review before use - The Service may not identify every legal obligation that applies to your business You are responsible for reviewing and verifying all Outputs before relying on them. Qualified Intelligence is not legal advice, insurance advice, or a substitute for professional judgment. You are solely responsible for your AI usage, controls, coverage decisions, and regulatory obligations. Any insurance coverage made available through the Service is subject to separate policy documents, underwriting criteria, eligibility requirements, exclusions, and carrier terms. The availability, scope, and pricing of insurance coverage are determined independently and are not guaranteed by these Terms or by use of the Service. No assessment, communication, or other material from Qualified Intelligence constitutes a binder, offer of insurance, or commitment to pay a claim. ## 4. Use restrictions Except to the extent such restriction is prohibited by applicable law, you may not: - Reverse engineer, disassemble, decompile, or attempt to derive the source code of the Service - Reproduce, modify, or create derivative works of the Service - Rent, lease, lend, sell, or sublicense the Service - Remove any proprietary notices from the Service - Use the Service to develop or train a competing product - Probe, scan, or attempt to penetrate the Service's security - Harvest, scrape, or extract data from the Service except as intended - Use the Service in any manner that violates applicable laws or third-party rights - Use the Service to process HIPAA-regulated protected health information unless a Business Associate Agreement (BAA) is in place, payment card data subject to PCI DSS, or other specially regulated data categories unless expressly permitted in writing. - Knowingly permit any third party to do any of the foregoing ## 5. Eligibility You must be at least 18 years old or the age of majority in your jurisdiction, whichever is higher, to use the Service. By agreeing to these Terms, you represent and warrant that: - You are at least 18 years old or the age of majority in your jurisdiction - You have not previously been suspended or removed from the Service - Your use of the Service complies with all applicable laws - If entering these Terms on behalf of an organization, you have the legal authority to bind that organization ## 6. Accounts To access the Service, you must register for an account. You agree to provide accurate, complete, and current information and to keep it updated. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities under your account. If you believe your account has been compromised, notify us immediately at [security@useunderflow.com](mailto:security@useunderflow.com). ## 7. Payment ### 7.1 Fees Certain features of the Service require payment. Before paying any fees, you will have an opportunity to review and accept the applicable fees. All fees are in U.S. Dollars and are non-refundable except as required by law or as otherwise specified. ### 7.2 Billing If you purchase a subscription, you authorize Underflow to charge your payment method on a recurring basis until you cancel. You are responsible for keeping your payment information current. ### 7.3 Price Changes Underflow reserves the right to change pricing. We will provide reasonable notice of price changes before they take effect. ## 8. Intellectual property The Service, including all software, algorithms, models, designs, and documentation, is owned by Underflow and protected by intellectual property laws. These Terms do not grant you any rights to Underflow's or Qualified Intelligence's trademarks, logos, or branding. You may provide feedback, suggestions, or ideas about the Service ("Feedback"). You grant Underflow a perpetual, irrevocable, royalty-free license to use Feedback for any purpose without obligation to you. ## 9. Termination ### 9.1 By You You may terminate your account at any time by contacting us or using the account settings. Termination does not entitle you to a refund of any prepaid fees. ### 9.2 By Underflow Underflow may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. We may terminate for cause if you breach these Terms, fail to pay fees, or engage in conduct that harms Underflow, Qualified Intelligence, or other users. ### 9.3 Effect of Termination Upon termination, your right to use the Service ends. We may delete your Content after termination unless legally required to retain it. Sections that by their nature should survive termination will survive, including ownership, disclaimers, limitations of liability, and dispute resolution. ## 10. Disclaimers **THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.** Qualified Intelligence does not warrant that the Service will be uninterrupted, error-free, or secure, that defects will be corrected, or that the Service or servers are free of viruses or harmful components. Qualified Intelligence does not provide legal, insurance, or professional advice. The Service supports underwriting and insurance program administration for the cost of fixing work done with AI; it is not a substitute for professional judgment. You are solely responsible for your AI usage, controls, and regulatory obligations. Any insurance coverage made available through the Service is subject to separate policy documents, underwriting criteria, eligibility requirements, exclusions, and carrier terms. The availability, scope, and pricing of insurance coverage are determined independently and are not guaranteed by these Terms or by use of the Service. ## 11. Limitation of liability **TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDERFLOW SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY.** **UNDERFLOW'S TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO UNDERFLOW IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).** ## 12. Indemnification You agree to indemnify, defend, and hold harmless Underflow and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service, (b) your Content, (c) your violation of these Terms, or (d) your violation of any third-party rights. ## 13. Disputes ### 13.1 Governing Law These Terms are governed by the laws of the State of California, without regard to conflict of law principles. ### 13.2 Informal Resolution Before filing any formal dispute, you agree to contact us at [legal@useunderflow.com](mailto:legal@useunderflow.com) and attempt to resolve the dispute informally for at least 60 days. ### 13.3 Jurisdiction Any disputes not resolved informally shall be brought exclusively in the federal or state courts located in San Francisco, California. You consent to personal jurisdiction in these courts. ## 14. Miscellaneous ### 14.1 Entire Agreement These Terms, including the Privacy Policy, constitute the entire agreement between you and Underflow regarding the Service and supersede all prior agreements. ### 14.2 Assignment You may not assign these Terms without Underflow's prior written consent. Underflow may assign these Terms at any time without notice. ### 14.3 Severability If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect. ### 14.4 No Waiver Underflow's failure to enforce any provision of these Terms is not a waiver of its right to enforce that provision later. ### 14.5 Changes to Terms Underflow may modify these Terms at any time. We will provide notice of material changes by posting the updated Terms or by email. Your continued use of the Service after changes take effect constitutes acceptance of the modified Terms. ### 14.6 Contact For questions about these Terms, contact us at [legal@useunderflow.com](mailto:legal@useunderflow.com).