Disclaimer
IDA is a brand of ScalarRatio LLC. This Disclaimer applies to the IDA app, the IDA website and all content on it, including our articles and guides. It forms part of our Terms of Service.
1. Information, not advice
IDA helps you understand your insurance documents. Everything IDA shows you, including summaries, answers, explanations, articles and guides, is general information only. It is not insurance, legal, financial or tax advice, and it is not a recommendation to buy, change, keep or cancel any insurance.
Your insurance contract and your insurer's decisions are what count. Before you make an important decision, such as switching insurer, making a claim or relying on your coverage, check with your insurer or a qualified, licensed adviser.
2. AI can make mistakes
IDA's answers are generated by artificial intelligence. When you use the IDA assistant, you are interacting with an AI system, not a person. AI can misread a document, miss important details or give an answer that is incomplete, outdated or wrong. IDA can only work with the documents you upload. It does not know about changes, endorsements or other documents it has not seen. Always check important points against the original document.
3. IDA is not an insurer, agent or broker
IDA is not an insurance company, insurance agent, broker or intermediary, and does not hold an insurance licence. IDA does not sell, arrange or negotiate insurance, and does not handle claims.
4. Insurance comparison
If you choose to compare insurance, IDA hands you over to an independent, licensed comparison partner. Quotes, advice and insurance contracts come from that partner or from insurers, not from IDA. The partner's own terms and privacy policy apply. We do not control and are not responsible for the partner's services, quotes or the products offered.
IDA does not receive any payment from the partner for referrals. If this changes, we will update this page before it takes effect.
5. Website content
Our articles and guides are written to help people understand insurance in general. They may not apply to your situation, your country or your policy, and rules and products change over time. We take care to keep content accurate, but we do not guarantee that it is complete or up to date.
6. Links to other websites
IDA may link to websites or services of third parties. We are not responsible for their content, services or privacy practices.
7. Questions
If you spot a mistake or have a question, please contact us.