COVU OS Lite Terms of Service
These Terms of Service (these "Terms") are a binding agreement between COVU, Inc., a Delaware corporation ("COVU," "we," "us"), and the insurance agency identified at account creation (the "Agency"), covering the Agency's and its users' access to COVU OS Lite, the OS Lite Companion browser extension, and related services we enable for the Agency (together, "OS Lite"). Each person who uses OS Lite (a "User") also agrees to the User obligations in these Terms.
OS Lite is a business tool for U.S. insurance agencies. It is not offered to consumers. By accepting these Terms you represent that you are at least 18 years old, are acting for an Agency, and — if you accept for the Agency — that you are authorized to bind it.
1. The Agreement and Who Is Bound
1.1 Two acceptance scopes. Every User accepts the individual obligations in these Terms (account security, acceptable use, AI-review duties, electronic communications) and acknowledges the OS Lite Privacy Notice. An owner or administrator additionally accepts these Terms, the Data Processing Addendum ("DPA"), and the Security Exhibit on behalf of the Agency.
1.2 Incorporated documents. The Privacy Notice, DPA, Security Exhibit, Subprocessor List, and Messaging Terms are part of these Terms. If they conflict, the DPA controls for Agency Customer Data, and the Security Exhibit controls for security commitments.
1.3 Signed agreements control. If the Agency and COVU have signed a master services agreement, order, data addendum, or other written agreement covering OS Lite, that signed agreement controls over these Terms — in its entirety where it says so, and otherwise for its subject matter.
2. Accounts, Agencies, and Authorized Users
2.1 The Agency designates owners/administrators, provisions and deprovisions its Users, and is responsible for their acts and omissions in OS Lite. Users may include the Agency's employees and contractors, including contractors located outside the United States in countries the Agency authorizes; all Users receive only the rights of these Terms, act under the Agency's authorization and least-privilege direction, and remain subject to confidentiality, security, and export/sanctions restrictions and any Agency-specific location limits.
2.2 Each User must keep credentials confidential, use only their own account, and promptly report suspected compromise. The Agency must promptly remove access for departed personnel.
3. License and Ownership
3.1 Your license. COVU grants the Agency a limited, non-exclusive, non-transferable right during the term to use OS Lite features enabled for the Agency, for the Agency's internal business.
3.2 COVU technology. COVU and its licensors own OS Lite and all software, models, prompts, methods, interfaces, documentation, and generalized improvements. No rights are granted except those stated.
3.3 Agency Data. The Agency owns the data and materials submitted to OS Lite by or for the Agency, including its customer, policyholder, policy, communication, and workflow data ("Agency Data"). COVU may use identifiable Agency Data only to provide, secure, support, administer, and improve OS Lite for the Agency, follow the Agency's instructions, and comply with law.
3.4 De-identified data. COVU may use aggregated or properly de-identified information for analytics, benchmarking, security, and product improvement, and will not attempt to re-identify it.
3.5 No cross-customer AI training. COVU will not use identifiable Agency Data or Agency confidential content to train a general or cross-customer AI model without the Agency's separate written opt-in.
3.6 Feedback. Feedback is voluntary and COVU may use it without restriction, without identifying the Agency.
4. Free Service; Paid Features
4.1 OS Lite's current entry tier is provided without a subscription fee. COVU may apply reasonable usage, security, support, and product-readiness limits, and may improve, modify, or discontinue free features with reasonable notice and a reasonable export opportunity.
4.2 No charge without approval. A charge exists only when an authorized Agency user takes an affirmative action after the applicable service, price or pricing unit, estimate or maximum, and material limits are displayed. Silence, continued use of free features, a preselected option, or an update to these Terms never creates a payment obligation. A changed price applies only after it is displayed and affirmatively approved.
4.3 Optional Service Network work, paid modules, custom development, committed service levels, and regulated insurance activity require separate authorization as described in Section 4.2 or a separately signed agreement, whichever those offerings specify.
5. Agency Responsibilities and Warranties
The Agency represents and warrants that it: (a) has the rights, notices, consents, and permissions required for the Agency Data it submits and the systems it connects (including email, agency-management, and carrier systems, whose own terms govern them); (b) will give lawful instructions; (c) will obtain and retain any communications consents required for messages sent through OS Lite (see the Messaging Terms); and (d) will comply with laws applicable to its business, including insurance and privacy laws.
6. Browser Companion and Connected Systems
6.1 The OS Lite Companion accesses only the systems and data reasonably necessary for its user-facing features, with permission-based, just-in-time disclosures before it begins capturing from a new system or materially new data category. Capture can be paused by the User.
6.2 Users must not submit credentials for storage outside approved authentication flows, must not circumvent third-party security, and must connect only systems the Agency is authorized to connect.
7. AI Features and Insurance Boundaries
7.1 AI-assisted outputs (summaries, drafts, suggestions) may be incomplete or inaccurate. A qualified human must review AI-assisted output before it is used for coverage advice, underwriting, binding, cancellation, claims handling, regulatory communications, or any other consequential insurance decision. OS Lite must not be used to make a fully automated consequential insurance decision where human review is required by law.
7.2 The Agency retains its customer relationships, book of business, carrier relationships, and insurance decisions. These Terms do not authorize COVU to bind coverage, give insurance advice, underwrite, adjust claims, cancel policies, or perform any other act requiring an insurance license, and do not make COVU the Agency's producer, broker, or fiduciary. Any licensed activity requires a separate lawful written arrangement with appropriate authority and licensing.
8. Acceptable Use
Users and the Agency must not: use OS Lite unlawfully; interfere with security, availability, or usage controls; introduce malicious code; reverse engineer OS Lite except where the restriction is prohibited by law; access another tenant's data; misuse or share accounts; scrape or resell OS Lite; or use OS Lite to send communications without required consent. COVU may suspend affected access to address a material security threat, unlawful activity, unauthorized insurance act, harm to a customer, or a third-party platform requirement, limited to what is reasonably necessary.
9. Privacy, Confidentiality, and Security
9.1 The Privacy Notice describes OS Lite's processing of personal information. Each party will protect the other's non-public information with at least reasonable care and use it only for purposes of these Terms.
9.2 COVU maintains the security program described in the Security Exhibit and will notify the Agency without undue delay after confirming a security incident affecting Agency Data, as detailed in the DPA.
9.3 The DPA applies automatically when the Agency accepts these Terms and supplies Agency Customer Data.
10. Term, Suspension, Termination, and Data
10.1 These Terms apply from acceptance until the Agency's account is closed or these Terms are terminated. Either party may terminate at any time; COVU will provide reasonable notice for termination without cause.
10.2 On termination, Users must stop using OS Lite. COVU will provide a reasonable period for the Agency to export available Agency Data through available functionality and will then delete Agency Data from active systems within sixty (60) days, subject to legal retention, dispute preservation, security records, and protected backups that expire through ordinary rotation.
10.3 Sections that by their nature survive do survive, including ownership, payment for approved charges, confidentiality, data disposition, disclaimers, liability limits, and dispute terms.
11. Beta and Early-Access Features
Features identified as beta, preview, or early access are provided for evaluation, may change or end at any time, and are excluded from any performance commitment.
12. Warranty Disclaimer
Except as expressly stated, OS Lite, its free features, beta features, and AI outputs are provided "as is" and "as available." To the maximum extent permitted by law, COVU disclaims implied warranties of merchantability, fitness for a particular purpose, and non-infringement, and does not warrant uninterrupted or error-free operation, the accuracy of AI output, or any insurance, regulatory, revenue, or business outcome.
13. Indemnity
13.1 The Agency will defend and indemnify COVU against third-party claims to the extent caused by Agency Data that infringes another's rights, the Agency's unlawful instructions or violation of law, or use of OS Lite in breach of these Terms.
13.2 For paid services, COVU will defend the Agency against third-party claims that the Agency's authorized use of the paid service infringes a U.S. patent, copyright, or trademark or misappropriates a trade secret, and pay resulting court-awarded damages or COVU-approved settlements, subject to customary exclusions (Agency materials, modifications, combinations, continued use after a replacement is offered). COVU may modify, replace, or terminate the affected service and refund prepaid unused fees.
13.3 The indemnified party must give prompt notice, defense control, and reasonable cooperation; no settlement may admit fault for, or impose non-monetary obligations on, the indemnified party without its consent.
14. Liability Limits
To the maximum extent permitted by law: (a) neither party is liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits, revenue, goodwill, or business opportunity; and (b) each party's total aggregate liability arising out of or relating to these Terms is limited to the greater of one hundred dollars ($100) or the amounts the Agency paid COVU for OS Lite in the twelve (12) months before the event giving rise to the claim. These limits do not apply to a party's fraud or willful misconduct, the Agency's payment obligations, or liability that cannot lawfully be limited. A signed agreement's liability terms replace this section where it so provides.
15. Governing Law; Arbitration; Class Waiver; Opt-Out
15.1 These Terms are governed by California law, without regard to conflict-of-laws rules.
15.2 Arbitration. Any dispute arising out of or relating to these Terms or OS Lite that is not resolved informally will be finally resolved by confidential, individual, binding arbitration in San Francisco, California, administered by JAMS under its Comprehensive Arbitration Rules. Judgment on the award may be entered in any court of competent jurisdiction. Either party may instead bring an eligible claim in small-claims court, and either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its confidential information, data, or intellectual property.
15.3 Class and jury waivers. Disputes will be arbitrated only on an individual basis. Each party waives any right to a jury trial and to participate in a class, collective, or representative action, to the extent permitted by law.
15.4 30-day opt-out. The Agency or a User may opt out of this arbitration provision by emailing hello@covu.com within thirty (30) days after first accepting these Terms, identifying the accepting account and stating the intent to opt out. If arbitration is opted out or held unenforceable, disputes will be resolved exclusively in the state or federal courts located in San Francisco County, California, and the parties consent to that venue.
16. Changes to These Terms
Material changes — including changes affecting data use, pricing, or dispute resolution — take effect for the Agency only after notice and renewed acceptance through the OS Lite acceptance flow before continued use of protected features. Non-material clarifications may update the displayed text with a revised version and date. Each accepted version is retained and available in Account settings.
17. General
The parties are independent contractors. Neither party may use the other's name or marks publicly without prior written consent. Neither party may assign these Terms without the other's consent, except to an affiliate or in connection with a merger, reorganization, financing, or sale of substantially all relevant assets where the assignee assumes them. Notices to COVU go to hello@covu.com; notices to the Agency go to its administrator email of record, effective on confirmed delivery. If any provision is unenforceable it will be adjusted only as needed and the rest remains effective; a waiver must be in writing. These Terms may be accepted electronically; authenticated in-product acceptance records are valid electronic records. Export/sanctions: Users may not use OS Lite in violation of U.S. export controls or sanctions and may not be located in embargoed jurisdictions.
Change log
- v0.9-draft (July 16, 2026) — initial complete draft per the approved OS Lite Legal and Compliance Design (2026-07-15); pending counsel review.
- v1.0 (July 16, 2026) — published to production pending counsel validation; content unchanged from v0.9-draft.