Terms of Service

1. Acceptance of Terms

By accessing and using oyyo.ai (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use the Service.

2. Description of Service

oyyo.ai provides an insurance underwriting platform that helps streamline submission tracking, document management, and policy processing. The Service includes AI-powered data extraction, unified submission tracking, and workflow automation tools.

3. User Accounts

To access certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security of your password and account
• Notify us immediately of any unauthorized use of your account or any other breach of security
• Accept responsibility for all activities that occur under your account

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Upload or transmit viruses, malware, or other malicious code
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or servers
• Use the Service for any fraudulent or unlawful purpose

5. Intellectual Property

The Service and its original content, features, and functionality are owned by oyyo.ai and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your information.

7. Termination

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

8. Limitation of Liability

To the maximum extent permitted by law, oyyo.ai shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

9. Disclaimer of Warranties

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, or non-infringement.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the new Terms of Service on this page and updating the "Last updated" date.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which oyyo.ai operates, without regard to its conflict of law provisions.

12. Contact Information

If you have any questions about these Terms of Service, please contact us at andriy@oyyo.ai.