Legal
Terms of Use
Last updated
December 27, 2025
These Terms of Use (Terms) govern access to and use of the Vantel website, applications, and related services (the Service). The Service is provided by Vantel Inc., C Corporation, registered at 1111B S Governors Ave, #26232, Dover, DE 19904. By using the Service or signing an order form, you agree to these Terms on behalf of yourself and, if applicable, the organization you represent (Customer, you).
Agreement and eligibility
You must be legally able to enter into a binding contract. If you use the Service for an organization, you confirm you have authority to bind that organization. You may not use the Service if prohibited by applicable laws, regulations, or sanctions.
The Service and accounts
The Service helps insurance professionals and related teams analyze, extract, compare, and summarize information from documents and data sources, and produce outputs such as comparisons, notes, and reports. You must provide accurate account information, keep it updated, and protect your credentials. You are responsible for all activity under your accounts and for your users’ compliance with these Terms. Administrators may manage users, permissions, and settings within your workspace.
Orders, fees, and payment
If you purchase a subscription, the applicable order form, statement of work, or online checkout (Order) will specify plan, term, fees, usage limits, and support. The Order is incorporated into these Terms. If there is a conflict, the Order controls for that purchase. Fees are non refundable except as required by law or expressly stated in the Order. Fees exclude taxes, which you are responsible for unless we are required to collect them. We may suspend access for non payment after notice. Trials may be offered as is and may be ended at any time.
Acceptable use
You may use the Service only for your internal business purposes and in compliance with applicable law, professional obligations, and client confidentiality duties. You will not: attempt to access the Service in an unauthorized way; bypass usage limits or security controls; reverse engineer or attempt to derive source code or underlying models except where prohibited by law; copy, modify, resell, or create derivative works of the Service; use the Service to build or train competing products using non public aspects of the Service; introduce malware or disrupt the Service; or submit data you do not have the right to process. You will not use the Service for high risk decisions where errors could reasonably cause death, bodily harm, or severe physical or environmental damage.
Customer Data and privacy
Customer Data means content you or your users upload or make available to the Service, plus configuration and workspace usage data generated through use of the Service. As between the parties, you retain ownership of Customer Data. You grant Vantel a limited license to host, copy, process, transmit, and display Customer Data only as necessary to provide, secure, maintain, and improve the Service, support users, prevent abuse, and comply with law, and as further described in any data processing agreement (DPA) if applicable. You are responsible for the legality of Customer Data and for obtaining any required notices and permissions. Retention, export, and deletion are handled according to your plan, the Order, and any DPA.
AI features and Outputs
The Service may generate results based on Customer Data and user inputs (Outputs). Outputs are provided for informational purposes only and do not constitute legal, regulatory, underwriting, actuarial, or insurance advice. AI systems may produce incorrect, incomplete, or misleading information. You must independently review and validate Outputs before relying on them, especially for coverage advice, exclusions, limits, endorsements, compliance, or procurement submissions. Source documents remain the authoritative reference if Outputs conflict with them.
Security and confidentiality
Each party may receive non public information from the other (Confidential Information), including Customer Data, pricing, and security information. Each party will protect the other’s Confidential Information using reasonable measures and use it only to perform under these Terms. Confidential Information excludes information that is publicly available without breach, independently developed, or rightfully received without restriction. We maintain a security program designed to protect Customer Data against unauthorized access, disclosure, alteration, or destruction. You are responsible for your internal access controls, device security, and handling of exported documents and Outputs. If disclosure is required by law, the receiving party will provide notice when legally permitted and cooperate to limit disclosure.
Intellectual property and feedback
Vantel and its licensors own the Service, including software, workflows, models, and all related intellectual property rights. These Terms grant you a limited, non exclusive, non transferable right to use the Service during the applicable term. If you provide feedback or suggestions, you grant Vantel a worldwide, perpetual, irrevocable, royalty free license to use and incorporate them without restriction. We may use aggregated or deidentified usage data for analytics, security, and improving the Service, and we will not use it to identify you or your clients.
Third party services
The Service may integrate with third party services (Third Party Services). Your use of Third Party Services is governed by their terms and privacy policies. Vantel is not responsible for Third Party Services, including their availability, security, or data handling, except to the extent we process data on your behalf as part of an integration you enable and as set out in a DPA if applicable.
Warranties and disclaimers
We warrant that we will provide the Service in a professional and workmanlike manner consistent with generally accepted industry standards. Except as expressly stated, the Service and Outputs are provided as is and as available. To the maximum extent permitted by law, we disclaim all other warranties, including implied warranties of merchantability, fitness for a particular purpose, and non infringement. We do not warrant that Outputs will be accurate, complete, or suitable for any particular use.
Liability and indemnities
To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or goodwill arising from or related to these Terms. Each party’s total liability arising out of or related to the Service will not exceed the amounts paid or payable by Customer to Vantel for the Service in the twelve months immediately preceding the event giving rise to the claim. These limitations do not apply to Customer’s payment obligations, Customer’s breach of Section 4, or liability that cannot be limited under applicable law. Customer will indemnify and hold harmless Vantel from claims arising out of Customer Data or Customer’s use of the Service in violation of these Terms or applicable law. Vantel will indemnify Customer against third party claims alleging the Service infringes intellectual property rights, provided Customer promptly notifies Vantel, cooperates, and allows Vantel to control the defense. If needed, Vantel may modify the Service or terminate the affected portion and refund prepaid unused fees as its sole obligation.
Term, termination, and general terms
These Terms start when you first use the Service and continue until terminated. Subscription terms are defined in the Order. Either party may terminate for material breach after notice and a reasonable opportunity to cure, unless cure is not possible. We may suspend or terminate access for non payment, security risk, or where continued provision would violate law. Upon termination, your right to use the Service ends and you remain responsible for fees owed through the end of the term unless otherwise stated in the Order. Provisions that by their nature should survive will survive, including confidentiality, intellectual property, disclaimers, liability, and indemnities.
Governing law and venue are as stated in the Order, or if not stated, the laws of [Jurisdiction] apply and courts in [City] have exclusive jurisdiction, excluding conflict of law rules. We may update these Terms from time to time; if changes materially reduce your rights, we will provide reasonable notice. Notices may be sent to the addresses in the Order and legal notices to legal@vantel.com