Terms of Service

Effective Date: April 12, 2026

Acceptance of Terms

Welcome to AIPX3 (the "Website" and "Service"). These Terms of Service ("Terms") govern your access to and use of the AIPX3 website, email communications, and any services offered by AIPX3 Inc. ("Company," "we," "us," or "our"). By accessing the Website and/or providing your information to us, you agree to be bound by these Terms. If you do not agree with any provision of these Terms, please do not use the Website or Services.

Description of Service

AIPX3 provides an AI-powered insurance reserve management platform designed to assist insurance professionals in optimizing reserve calculations and management. The Website currently serves as an informational and signup resource as we continue development. The Service is intended for use by insurance industry professionals and authorized users only.

Use License

Subject to your compliance with these Terms, AIPX3 grants you a limited, non-exclusive, non-transferable, and revocable license to:

• Access and view the content on the Website for lawful purposes;
• Sign up for email communications and future product access;
• Use the Services in accordance with the Company's policies and applicable law.

Except as expressly granted, you may not modify, reproduce, distribute, transmit, display, or create derivative works of any content without prior written permission from AIPX3.

User Accounts

When the Service becomes fully operational, you may be required to create an account with accurate and current information. You are responsible for maintaining the confidentiality of your account credentials and all activity under your account. You agree to notify us immediately of any unauthorized access or use of your account. The Company is not responsible for any loss or damage arising from your failure to protect your account information.

Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, and software, is the proprietary property of AIPX3 Inc. or its licensors and is protected by international copyright and intellectual property laws. The AIPX3 name, logo, and all related marks are trademarks of AIPX3 Inc. You may not use any AIPX3 intellectual property without explicit written consent.

Disclaimer of Warranties

The Website and Services are provided on an "as-is" and "as-available" basis. AIPX3 makes no representations or warranties of any kind, express or implied, regarding the Website or Services, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Services will be error-free, uninterrupted, or free from harmful components.

The Company does not warrant the accuracy, completeness, or reliability of any content on the Website. Any reliance on such content is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, AIPX3 Inc., its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising from or related to your use of the Website or Services, including but not limited to damages for lost profits, lost data, business interruption, or loss of goodwill, even if AIPX3 has been advised of the possibility of such damages.

In no event shall AIPX3's total liability to you exceed the amount you have paid to AIPX3 in the preceding twelve months, or one hundred dollars, whichever is less.

Indemnification

You agree to indemnify, defend, and hold harmless AIPX3 Inc. and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, or expenses (including reasonable attorneys' fees) arising from or related to:

• Your breach of these Terms;
• Your use of the Website or Services in violation of applicable law;
• Your violation of any third-party rights, including intellectual property rights;
• Any content you submit or upload to the Website or Services.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflicts of law principles. You agree that any legal action or proceeding arising under or relating to these Terms shall be brought exclusively in the state or federal courts located in Washington State, and you hereby consent to the personal jurisdiction of such courts.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if such modification is not possible, the provision shall be severed. The remaining provisions shall continue in full force and effect.

Changes to Terms

AIPX3 reserves the right to modify these Terms at any time, in its sole discretion. Changes will be effective immediately upon posting to the Website. Your continued use of the Website or Services following the posting of revised Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically to stay informed of any updates.

Contact Information

Last Updated: April 12, 2026