Version 1.1 — Effective July 3, 2026. Please read carefully. You must agree to these Terms — including the Informational-Purposes-Only provision in Section 2, the data-use consent in Section 5, and the Release & Hold Harmless in Section 6 — before creating an account or uploading any document.
These Terms & Conditions (the “Terms”) are a binding agreement between you and the owner and operator of this website and the 1776 Insurance Policy Analyst service (the “Company,” reachable at marcos@316roofingtx.com). By checking the agreement boxes, creating an account, or uploading any document, you accept these Terms in full. You must be at least 18 years old and located in the United States to use the service (the “Service”). If you do not agree, do not use the Service.
The Service uses artificial intelligence to produce educational analysis of property-insurance policy documents you upload: plain-language summaries, page-cited policy language, illustrative settlement math, and evidence-conditioned coverage discussion.
The Service is NOT legal, tax, or insurance advice. It is not a law firm, a licensed public adjuster, a licensed insurance adjuster, an insurance agent, or an underwriter, and no output creates any attorney-client, adjuster-client, or other professional relationship. AI-generated analysis can be wrong: it may misread policy language, miss provisions, or produce inaccurate numbers. Every conclusion depends on your actual policy wording, the true facts of your loss, your state's current law, and your policy edition. Final responsibility to confirm any coverage conclusion or other information rests with you and, as applicable, the insured, policyholder, licensed insurance agent, licensed public adjuster, and licensed insurance adjuster. For any active claim or dispute, consult a licensed public adjuster and/or attorney in your state and your insurance carrier.
INFORMATIONAL PURPOSES ONLY — NO RELIANCE. Any information obtained from this website, the Service, or their sources is provided for informational purposes only and does not constitute facts, statements or interpretations of policy terms, coverage or coverage determinations, claim decisions, valuations, or advice of any kind. Outputs are generated by artificial intelligence and may be incomplete, outdated, or wrong. Verifying all information — and every decision or action taken in reliance on it — is your sole responsibility. Rely only on your actual policy as issued by your carrier, the true facts of your loss, current law, and the guidance of licensed professionals.
Access requires an account with your true, current name, email, phone number, and property state. You are responsible for keeping your password confidential and for all activity under your account. The Company may suspend or terminate accounts that provide false information or misuse the Service.
You may use the Service only to understand your own policy and to pursue coverage you are legitimately entitled to under your policy's actual language and the true facts of your loss. You agree not to use the Service to misstate the cause, date, or extent of any loss; to fabricate, stage, or exaggerate damage; to conceal material facts; or to prepare any misrepresentation to an insurance carrier. The Service is designed to refuse such requests. Insurance fraud is a crime.
What we collect: your registration information (name, email, phone, property address, city, state, ZIP), your consent records (timestamp, IP address, browser), the documents you upload and the text extracted from them (which may include names, addresses, policy numbers, claim details, and other personal information), your questions, and the analyses generated for you.
How we use it: to operate the Service and generate your analyses; to maintain your account and history; to contact you — including by phone, text message, and email — about your analysis, your property, and products or services that may be relevant to you (message/data rates may apply; you can opt out of marketing contact at any time by replying STOP to texts or emailing us); and to share with the Company's affiliated companies (companies under common ownership or control with the Company, and service partners working on the Company's behalf) for the same purposes. We do not sell your personal information to unrelated third-party data brokers.
AI processing: to generate your analysis, the text of your uploaded documents and your questions are transmitted to a third-party AI provider (currently Anthropic). Do not upload documents you are not authorized to share.
Storage, retention, and deletion: your information is stored in a database over encrypted (HTTPS/TLS) connections and retained while your account is active. You may request deletion of your account and uploaded data at any time by emailing marcos@316roofingtx.com; we will delete your stored documents, extracted text, and reports within a reasonable period, except records we must keep for legal or audit purposes (such as consent records).
READ THIS SECTION CAREFULLY — IT LIMITS YOUR LEGAL RIGHTS. To the maximum extent permitted by applicable law, you — for yourself and your heirs, assigns, and representatives — completely release, waive, discharge, and agree to hold harmless this website, the 1776 Insurance Policy Analyst program, the Company that owns and operates them, all of the Company's affiliated companies, the artificial-intelligence systems, large language models, and AI agents used to provide the Service and their developers and providers, all other resources, data sources, and tools used to provide the Service, and each of their respective owners, officers, directors, employees, contractors, agents, licensors, and service providers (together, the “Released Parties”) from any and all claims, demands, damages, losses, costs, and causes of action of every kind arising out of or related to: (a) your use of or inability to use the Service; (b) any analysis, report, number, or draft language the Service generates, including any error, omission, or misreading; (c) any decision you make or action you take (or do not take) in reliance on the Service, including claim decisions, deadlines, and communications with any insurance carrier; and (d) the collection, use, storage, and sharing of your information as described in Section 5. Some jurisdictions do not allow certain waivers or limitations; in those jurisdictions, this section applies to the fullest extent the law allows.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT ANY ANALYSIS IS CORRECT, THAT ANY COVERAGE EXISTS, OR THAT ANY CARRIER WILL PAY ANY AMOUNT.
To the maximum extent permitted by law, the Released Parties' total aggregate liability to you for any and all claims arising out of the Service shall not exceed the greater of one hundred U.S. dollars ($100) or the amount you paid to use the Service in the twelve months before the claim arose, and in no event shall the Released Parties be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost coverage, denied claims, or missed deadlines.
You agree to indemnify and hold the Released Parties harmless from any claim, demand, or expense (including reasonable attorneys' fees) arising from your violation of these Terms, your violation of law (including any insurance-fraud statute), your uploads (including uploading documents you lack the right to share), or your communications with any insurance carrier or third party.
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. Any dispute shall be brought exclusively in the state or federal courts located in Texas, and you consent to their jurisdiction. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force.
The Company may update these Terms and this Privacy Notice; the current version and its effective date will always be posted on this page, and continued use after changes constitutes acceptance. Questions: marcos@316roofingtx.com.