Terms of Service

Introduction

Welcome to Policy Angel (also known as "My Policy Angel") – a platform for homeowners and skilled trade professionals. By accessing or using Policy Angel's website, mobile app, and related services (collectively, the "Services"), you agree to these Terms & Conditions ("Terms"). If you do not agree with these Terms, you must not use the Services.

These Terms form a binding legal agreement between you ("you" or "User") and Policy Angel ("Policy Angel," "we," "us," or "our"). Your use of the Services is also subject to our Privacy Policy, which explains how we collect and handle your information.

Article 1. Definitions and Interpretation

Section 1.1 Definitions

For purposes of these Terms of Service ("Terms"), the following defined terms apply:

(a) "Policy Angel," "Company," "we," "us," or "our"

means Policy Angel, LLC, a Florida limited liability company, together with its parents, affiliates, subsidiaries, employees, officers, directors, agents, successors, and assigns.

(b) "User," "you," or "your"

means any individual accessing or using the Services, including Consumer Users and household-level subscribers.

(c) "Consumer User"

means a User utilizing the Services for personal, family, or household purposes, including homeowners, tenants, and property occupants.

(d) "Services"

means the Policy Angel mobile application, website, widgets, dashboards, AI-driven features, risk analysis tools, pre-claim documentation systems, policy evaluation modules, grant discovery tools, contractor referral tools, maintenance reminders, digital document storage, and all related services, software, data, alerts, analytics, or content provided by the Company.

(e) "User Content"

means all documents, images, videos, data, information, insurance policies, notes, communications, or materials uploaded, submitted, stored, transmitted, or generated by the User through the Services.

(f) "AI Systems"

means all proprietary artificial intelligence, machine learning models, data extraction tools, scoring engines, weather intelligence modules, and automated analytics integrated into the Services.

Article 2. Acceptance of Terms

Section 2.1 Binding Agreement

By creating an Account, accessing the Services, or selecting "I Agree," you enter into a legally binding agreement with Policy Angel consisting of these Terms and the Privacy Policy.

Section 2.2 Applicability

These Terms apply to all Users in all 50 U.S. states and Puerto Rico, regardless of the device or platform used to access the Services.

Section 2.3 Updates to Terms

Policy Angel reserves the right to update or modify these Terms. Material changes will be communicated through the Services, via email, or by posting an updated version with a new Effective Date. Continued use of the Services after changes take effect constitutes acceptance.

Article 3. Eligibility and Account Registration

Section 3.1 Eligibility Requirements

You must:

• be at least eighteen (18) years old (or the age of majority in your state);
• have the legal capacity to enter into binding agreements; and
• not be prohibited from using the Services under Applicable Law.

Section 3.2 Account Creation

Users agree to provide accurate and complete information, maintain only one Account unless authorized, and update all information as necessary.

Section 3.3 Account Security

The User is solely responsible for safeguarding login credentials, restricting access to their device and account, and all activity occurring under their credentials. Unauthorized use must be reported immediately.

Article 4. User Responsibilities and Acceptable Use

Section 4.1 Accurate Information

Your experience relies on the accuracy of the information you provide. You agree to maintain complete and truthful data relating to your property, insurance policies, maintenance history, and uploaded documents.

Section 4.2 Prohibited Conduct

You shall not:

• upload illegal, fraudulent, harmful, or offensive content;
• harass or defraud any User or Third-Party Provider;
• introduce malware or attempt to access restricted systems;
• reverse engineer or attempt to copy the platform;
• use bots, scrapers, or automated tools (unless expressly provided by Policy Angel);
• gather information for competitive analysis or platform replication.

Article 5. Scope of Services

Section 5.1 General Description

Policy Angel provides digital tools and resources for property information management, risk awareness, insurance policy understanding, and maintenance oversight. The Services include:

• Interactive Dashboards & Widgets - Personalized user interfaces for organizing property, insurance, and maintenance information.
• Pre-Claim Documentation Systems - Tools for recording photos, videos, inventories, and property condition details.
• Risk & Weather Intelligence - Automated alerts and risk assessments based on geographic factors and third-party weather data.
• Grant & Relief Program Discovery - Identification of federal, state, and private assistance programs relevant to the User.
• Policy Review & Data Extraction - Automated analysis of insurance policy documents.
• Contractor & Professional Referral Services - Connections to vetted third-party contractors, public adjusters, or brokers.
• Secure Document Storage - Encrypted vault for storing User Content.

Section 5.3 Important Legal Disclaimers

Technology Platform Only: Policy Angel is not an insurance company, agent, adjuster, broker, attorney, engineer, or financial institution.

No Professional Advice: All insights, persona scores, comparisons, and analyses are informational only.

Article 6. Subscriptions, Fees, and Billing

Section 6.1 Overview

Certain features of the Services may require payment of subscription fees, one-time purchases, or enterprise-level service costs. All fees, billing cycles, and charges will be disclosed at the point of purchase.

Section 6.2 Subscription Plans

Policy Angel may offer free, standard, premium, or advanced tiers. Access to features varies based on subscription type. Subscriptions may be billed on a monthly or annual basis and renew automatically unless cancelled.

Section 6.5 Cancellation and Refunds

You may cancel at any time through your Account settings. Cancellation stops future charges but does not entitle you to a refund for the current billing period. Except where required by law, fees are non-refundable.

Article 7. User Content and Data Rights

Section 7.1 Ownership of User Content

Users retain ownership of all User Content uploaded or submitted through the Services. Policy Angel does not claim ownership over your documents, images, or other materials.

Section 7.2 License Grant to Policy Angel

To provide the Services, you grant Policy Angel a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, process, display, analyze, transmit, and create derivative works from your User Content solely to operate, maintain, and improve the Services. We do not sell User Content.

Article 8. Third-Party Services and Providers

Section 8.1 Independence of Third-Party Providers

Contractors, adjusters, brokers, insurers, and any Third-Party Provider are independent, are not employees of Policy Angel, operate under their own licenses and obligations, and are solely responsible for their work.

Section 8.2 No Endorsement or Guarantee

Policy Angel does not guarantee workmanship quality, timeliness, pricing, licensure, outcomes of claims, estimates, safety, or responsiveness.

Article 9. Artificial Intelligence and Automated Tools

Section 9.1 Overview

Policy Angel uses AI Systems to analyze documents, provide risk insights, organize property information, detect policy attributes, and recommend actions.

Section 9.2 Informational Nature of AI Outputs

AI-generated outputs are informational only, do not constitute legal, financial, or insurance advice, and should not be relied on without professional consultation.

Section 9.3 Limitations

AI Systems may misinterpret documents, misread poor-quality images, generate incomplete guidance, fail to account for unique circumstances, or rely on third-party data that may be inaccurate.

Article 10. Disclaimers

Section 10.1 General Disclaimer

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED.

Section 10.2 No Professional Advice

Policy Angel does not provide legal advice, insurance advice, adjusting services, engineering evaluations, construction assessments, or financial planning.

Section 10.3 No Guarantee of Outcomes

Policy Angel does not guarantee insurance claim outcomes, grant availability, financial savings, maintenance results, weather accuracy, or risk scoring accuracy.

Article 11. Limitation of Liability

Section 11.1 Maximum Liability

To the fullest extent permitted by law, Policy Angel's total liability to any User is limited to the greater of (a) fees paid by the User in the preceding 12 months, or (b) one hundred dollars ($100).

Section 11.2 Excluded Damages

Policy Angel is not liable for lost profits, lost data, emotional distress, property damage, reliance on AI outputs, third-party actions, personal injury, service outages, corruption of files, inaccurate policy interpretations, or missed alerts.

Article 12. Indemnification

Users agree to indemnify, defend, and hold harmless Policy Angel from claims arising out of misuse of the Services, violation of laws, User Content issues, infringement of third-party rights, or false information submitted. This obligation survives account termination.

Article 13. Termination

Section 13.1 User Termination

Users may delete their Account at any time.

Section 13.2 Company Termination

Policy Angel may suspend or terminate accounts for violations of these Terms, illegal activity, data misuse, platform disruption, abuse of trial periods, or chargeback abuse.

Section 13.3 Effects of Termination

Upon termination, access immediately ceases, data may be removed or archived, and licenses granted to Policy Angel survive only as needed for legal compliance.

Article 14. Dispute Resolution and Arbitration

Section 14.1 Governing Law

These Terms are governed by Florida law.

Section 14.2 Mandatory Arbitration

Except where prohibited, disputes must be resolved through binding arbitration under the FAA.

Section 14.3 Class Action Waiver

Users waive class actions, collective actions, and representative actions.

Section 14.4 Opt-Out Rights

Users may opt out of arbitration within 30 days of accepting these Terms.

Article 17. Contact Information

Policy Angel, LLC
111 E. Washington St.
Orlando, FL 32801
support@policyangel.app