Terms of Service

By using KnowYourHomePolicy ("the service"), you agree to these terms. If you don't agree, please don't use the service.

What this service is

KnowYourHomePolicy is an educational tool that uses AI to summarize homeowners insurance documents in plain English. It is not legal, claims, insurance, or financial advice. It is not a substitute for talking to your insurer, agent, broker, or a licensed professional.

Do not rely on the service to make decisions about a claim, coverage, dispute, or any other matter that affects your finances or rights. Always verify information against your original policy document and consult a licensed professional for advice on your situation.

Acceptable use

• Only upload documents you have the right to upload.
• Don't upload documents containing other people's personal information without their permission.
• Don't try to abuse the service (rate-limit evasion, scraping, attempting to extract the underlying model, etc.).
• Don't use the service for unlawful purposes.

Intellectual property

You retain all rights to the documents you upload. The site itself — including its design, copy, and code — is © KnowYourHomePolicy. By using the service you grant us a temporary, limited license to process your uploaded text solely to produce your summary and answer your chat questions.

AI output

Summaries and chat answers are generated by an AI model. AI output can be incomplete, mistaken, or out of date. Always cross-check anything important against the source document.

No warranty

The service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Limitation of liability

To the maximum extent permitted by law, KnowYourHomePolicy and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, arising from your use of (or inability to use) the service. Where liability cannot be excluded, our total liability is limited to USD $100.

Changes

We may update these terms from time to time. Continued use of the service after changes are posted means you accept the updated terms.

Governing law

These terms are governed by the laws of the United States and the State of [your state], without regard to its conflict-of-law principles.

Contact

Questions? Email support@knowyourhomepolicy.com. See also our Privacy Policy.