Terms of Service
These Terms of Service ("Terms") apply to your use of the IDA app and website (together, "IDA"). IDA is a brand of ScalarRatio LLC, 75 E 3rd St, Sheridan, WY 82801, United States ("we", "us", "our"). By creating an account or using IDA, you agree to these Terms. If you do not agree, please do not use IDA.
If you have a question about these Terms, please contact us.
1. What IDA does
IDA is an AI assistant that helps you understand your insurance documents. You upload a document, and IDA summarises it and answers your questions about it. IDA can also refer you to an independent, licensed insurance comparison partner if you choose.
IDA provides information, not advice. IDA is not an insurer, insurance agent or broker, and does not give insurance, legal or financial advice. AI-generated answers can be incomplete or wrong. Always check important points with your insurer or a qualified adviser before you make a decision. Our Disclaimer forms part of these Terms.
2. Who can use IDA
You must be at least 18 years old and able to enter into a binding contract. You may use IDA for personal, non-commercial purposes only.
3. Your account
Provide accurate information and keep your login details secure.
You are responsible for activity in your account.
Tell us straight away through our contact page if you think someone else has access to your account.
4. Your documents and content
You keep all rights to the documents you upload and the questions you ask ("Your Content"). You give us a limited licence to store and process Your Content only to provide IDA to you, as described in our Privacy Policy.
By uploading a document, you confirm that you are allowed to share it. This means it is your own document, or you have permission from the policyholder or the people named in it.
5. Acceptable use
You agree not to:
upload anything unlawful, or documents you have no right to use;
use IDA to harm, deceive or defraud anyone, including insurers;
try to access other users' data, or disrupt, overload or reverse engineer IDA;
use bots, scrapers or other automated means to access IDA;
resell IDA or use it to build a competing service.
We may suspend or close accounts that break these rules.
6. Subscriptions and payment
Plans
Some features of IDA require a paid subscription. The current plans, prices and what they include are shown in the app before you buy.
Buying through the App Store or Google Play
Subscriptions are sold through the Apple App Store or Google Play (the "App Store"). Payment is charged to your App Store account when you confirm your purchase. The App Store's own terms also apply to your payment.
Automatic renewal
Your subscription renews automatically at the end of each period (for example monthly or yearly) at the price then in effect, unless you cancel at least 24 hours before the end of the current period. Your App Store account will be charged for renewal within 24 hours before the end of the current period.
Free trials
If a free trial is offered, it turns into a paid subscription at the end of the trial unless you cancel at least 24 hours before the trial ends.
How to cancel
You can cancel at any time in your App Store account settings. On iPhone: Settings > your name > Subscriptions. On Android: Google Play > Profile > Payments & subscriptions > Subscriptions. Deleting the app or your IDA account does not cancel your subscription. After you cancel, you keep access until the end of the period you have paid for.
Price changes
If we change the price of your subscription, you will be informed in advance by us or by the App Store. If you do not agree, you can cancel before the new price takes effect.
Refunds
Refunds are handled by Apple or Google under their refund policies. We cannot issue refunds for purchases made through the App Store.
Right of withdrawal (EU and UK consumers)
If you live in the EU or UK, you normally have 14 days to withdraw from an online purchase. Because IDA is digital content that is available immediately, when you buy a subscription you agree that it starts straight away and acknowledge that you lose your right of withdrawal once it has started. This does not affect your right to cancel future renewals or any refund rights the App Store offers.
7. Insurance comparison partner
If you use the comparison feature, you are handed over to an independent, licensed third party. Any quote, advice or insurance contract comes from that partner or an insurer, not from us. The partner's own terms and privacy policy apply. We are not responsible for the partner's services, quotes or insurance products.
8. Our intellectual property
IDA, including its software, design, texts and brand, belongs to us or our licensors. We give you a personal, non-exclusive, non-transferable right to use IDA in line with these Terms. You may use and keep the answers IDA gives you for your own personal purposes.
9. Availability and changes
We work to keep IDA available and accurate, but we cannot promise it will always be uninterrupted or error-free. We may change, add or remove features. If we make a change that significantly reduces what your paid subscription includes, we will tell you in advance, and you may cancel.
10. Liability
IDA is provided "as is" and "as available". To the extent the law allows:
we are not liable for decisions you make based on IDA's answers, including decisions about taking out, changing, cancelling or claiming on insurance;
we are not liable for indirect or consequential loss, such as loss of profit, loss of data or an uninsured loss;
our total liability to you is limited to the amount you paid for IDA in the 12 months before the claim, or 50 US dollars (or euros), whichever is higher.
Nothing in these Terms limits liability that cannot be limited by law, such as liability for intent or gross negligence, or your statutory rights as a consumer.
11. Ending your use of IDA
You can stop using IDA and delete your account at any time (see Delete your account). We may suspend or end your access if you seriously or repeatedly break these Terms, or if the law requires it. Where reasonable, we will tell you why in advance.
12. Apple App Store users
If you downloaded IDA from the Apple App Store, the following also applies:
These Terms are between you and us, not Apple. Apple is not responsible for IDA or its content.
Apple has no obligation to provide maintenance or support for IDA.
If IDA fails to meet any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). Apple has no other warranty obligation for IDA.
Apple is not responsible for any claims relating to IDA, including product liability, legal or regulatory compliance, consumer protection or intellectual property claims.
You confirm that you are not located in a country subject to a US government embargo and are not on any US government list of prohibited or restricted parties.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
13. Governing law and disputes
These Terms are governed by the laws of the State of Wyoming, United States, and disputes will be handled by the competent courts in Wyoming. If you are a consumer living in the EU or UK, you also keep the protection of the mandatory laws of your country, and you may bring a claim in the courts where you live.
Before starting any formal procedure, please contact us first so we can try to solve the issue together.
14. Changes to these Terms
We may update these Terms as IDA evolves. We will change the "Last updated" date and, for significant changes, notify you in the app or by email before they take effect. If you keep using IDA after that, the updated Terms apply. If you do not agree, you can cancel your subscription and delete your account.
15. Other
If any part of these Terms is found invalid, the rest remains in force. If we do not enforce a right straight away, we do not waive it. You may not transfer your rights under these Terms without our consent. These Terms are written in English. If they are translated, the English version prevails in case of any difference.
16. Contact
Questions about these Terms? Please use our contact page.