Terms of Service

1. Introduction

Welcome to Azunos ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website located at azunos.com and our AI-powered risk assessment platform (collectively, the "Service") operated by Azunos.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Service Description

Azunos provides an AI-powered risk assessment platform that:

• Analyzes business risks for small and medium enterprises (SMEs)
• Connects SMEs with appropriate insurance brokers
• Provides personalized insurance recommendations
• Facilitates communication between businesses and insurance professionals

Our Service is a technology platform and does not constitute insurance brokerage services. We are not an insurance company or licensed insurance broker.

3. Eligibility and Account Registration

You must be at least 18 years old and legally capable of entering into binding contracts to use our Service. By using our Service, you represent and warrant that you meet these requirements.

When creating an account, you must provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. User Responsibilities

You agree to:

• Provide accurate and truthful information about your business
• Use the Service only for lawful purposes
• Comply with all applicable laws and regulations
• Not interfere with or disrupt the Service or servers
• Not attempt to gain unauthorized access to any part of the Service
• Not use the Service to transmit harmful, offensive, or illegal content

5. AI Risk Assessment Disclaimer

Our AI-powered risk assessment is provided for informational purposes only. While we strive for accuracy, the assessment:

• May not identify all potential risks to your business
• Should not be considered as professional insurance advice
• Does not guarantee insurance coverage or approval
• Should be supplemented with professional consultation

You should always consult with qualified insurance professionals before making insurance decisions.

6. Data Collection and Privacy

We collect and process your personal and business information to provide our Service. This includes:

• Business information for risk assessment
• Contact details for broker connections
• Usage data to improve our Service
• Communications between you and insurance brokers

Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Third-Party Insurance Brokers

Our Service connects you with independent insurance brokers. We do not:

• Control or direct the actions of insurance brokers
• Guarantee the quality of broker services
• Assume responsibility for broker recommendations
• Guarantee successful insurance placement

Your relationship with insurance brokers is independent of Azunos, and you should evaluate brokers based on your own criteria.

8. Limitations of Liability

To the maximum extent permitted by law, Azunos shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or business opportunities
• Business interruption or system downtime
• Inaccurate risk assessments or recommendations
• Actions or omissions of third-party insurance brokers
• Failure to obtain insurance coverage

Our total liability for any claims arising from your use of the Service shall not exceed $100 or the amount you paid us in the 12 months preceding the claim, whichever is greater.

9. Intellectual Property

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

You may not reproduce, distribute, modify, or create derivative works of our content without explicit written permission.

10. Service Availability

We strive to maintain high availability of our Service but do not guarantee uninterrupted access. We may suspend or modify the Service for maintenance, updates, or other operational reasons with reasonable notice when possible.

11. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, if you breach these Terms or engage in conduct that we determine to be harmful to the Service or other users.

You may terminate your account at any time by contacting us. Upon termination, your right to use the Service will cease immediately.

12. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email or through the Service at least 30 days before the changes take effect.

Your continued use of the Service after the changes take effect constitutes acceptance of the new Terms.

13. Governing Law

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

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of Singapore International Arbitration Centre.

14. Contact Information

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