Terms of Service
Last updated: April 1, 2026
These Terms of Service (“Terms”) govern your access to and use of COIPulse, Inc.'s (“COIPulse,” “we,” “us,” “our”) software platform and related services (collectively, the “Service”), available at coipulse.com.
By creating an account or using the Service, you agree to be bound by these Terms. If you are using the Service on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.
Important notice:
COIPulse compliance scores and extracted data are informational tools to assist your review process. They do not constitute legal or insurance advice. You remain responsible for verifying vendor coverage adequacy and consulting qualified insurance or legal professionals for specific compliance requirements.
1. Service Description
COIPulse is a software-as-a-service (SaaS) platform that helps property managers, general contractors, facility managers, and other businesses collect, extract, and manage vendor Certificates of Insurance (COIs). The Service includes:
- •AI-powered extraction of data from COI documents
- •Automated compliance scoring against configurable requirements
- •Vendor self-service upload portal
- •Expiration tracking and automated alerts
- •Compliance reporting and audit history
- •State-specific and trade-specific compliance templates
2. Account Registration and Security
To use COIPulse, you must create an account with accurate, complete, and current information. You are responsible for:
- •Maintaining the confidentiality of your account credentials
- •All activity that occurs under your account
- •Notifying us immediately of unauthorized access at security@coipulse.com
- •Ensuring that all users in your organization comply with these Terms
You may not share login credentials among multiple individuals. Each user must have their own account. Organization accounts on paid plans may add team members up to the limits of their plan.
3. Acceptable Use
You agree to use COIPulse only for lawful purposes and in accordance with these Terms. You must not:
- •Upload fraudulent, forged, or altered insurance documents
- •Use the Service to engage in insurance fraud or any unlawful activity
- •Reverse engineer, decompile, or attempt to extract the source code of the Service
- •Resell, sublicense, or provide access to the Service to third parties without our written consent
- •Scrape, crawl, or use automated methods to access the Service beyond normal API usage
- •Introduce malware, viruses, or other malicious code
- •Interfere with or disrupt the integrity or performance of the Service
We reserve the right to suspend or terminate accounts that violate these requirements without prior notice.
4. Intellectual Property
4.1 COIPulse intellectual property
COIPulse and its licensors own all intellectual property rights in the Service, including the software, AI models, compliance templates, algorithms, interfaces, logos, and documentation. These Terms do not grant you any ownership rights — only a limited, non-exclusive, non-transferable license to use the Service during your subscription.
4.2 Your content
You retain ownership of the documents, vendor data, and configurations you upload to COIPulse. By using the Service, you grant COIPulse a limited license to process, store, and display your content solely to provide the Service to you. We do not claim ownership of your data.
4.3 Feedback
If you provide feedback, suggestions, or ideas about COIPulse, you grant us a perpetual, irrevocable, royalty-free license to use that feedback to improve the Service without any obligation to you.
5. Billing and Payments
COIPulse offers a free tier and paid subscription plans. For paid plans:
- •Subscriptions are billed monthly or annually as selected at sign-up
- •Payment is due at the start of each billing period
- •All prices are in US dollars and exclusive of applicable taxes
- •We reserve the right to change pricing with 30 days notice; changes will not apply mid-subscription period
- •Failed payments may result in service suspension after a 5-day grace period
- •All payments are processed by Stripe; we do not store payment card data
Free trial
Paid plans include a 14-day free trial. No credit card is required to start a trial. At the end of the trial, you must provide payment information to continue using paid features. If you do not provide payment, your account will automatically downgrade to the free tier.
6. Cancellation and Refunds
You may cancel your subscription at any time from your account settings. Upon cancellation:
- •Your paid access continues until the end of the current billing period
- •We do not provide prorated refunds for partial subscription periods
- •Annual plan refunds: if you cancel within 30 days of initial purchase, we will refund the unused portion pro-rated by month
- •Your data is retained for 90 days post-cancellation and then permanently deleted
For refund requests outside these policies, contact billing@coipulse.com. We handle refund requests on a case-by-case basis.
7. Disclaimer of Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. COIPULSE DISCLAIMS ALL WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
COIPulse does not warrant that: (a) the Service will be uninterrupted or error-free; (b) defects will be corrected; (c) the Service is free of viruses or other harmful components; or (d) the results of using the Service will meet your requirements.
Compliance scores are informational, not legal advice
COIPulse compliance scores and extracted COI data are informational tools designed to assist your review process. They are not a substitute for legal advice, insurance counsel, or professional risk management. Coverage adequacy depends on jurisdiction-specific requirements, your specific contractual obligations, and other factors that automated scoring cannot fully evaluate. Always verify critical compliance determinations with qualified professionals.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COIPULSE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.
IN NO EVENT SHALL COIPULSE'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO COIPULSE IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
9. Data Processing
Our collection and use of your data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using COIPulse, you consent to the processing of your data as described in the Privacy Policy.
For enterprise customers requiring a Data Processing Agreement (DPA) for GDPR compliance, please contact privacy@coipulse.com.
10. Service Availability and Modifications
We strive to maintain 99.5% uptime for the COIPulse platform. We may temporarily suspend access for scheduled maintenance, which we will announce in advance when possible. Planned maintenance windows will be communicated via email or in-app notification at least 24 hours in advance.
We reserve the right to modify, add, or discontinue features of the Service at any time. For material reductions in functionality, we will provide at least 30 days notice and, where appropriate, offer plan credits or refund options.
11. Modifications to Terms
We may revise these Terms from time to time. We will post the updated Terms on this page and update the “Last updated” date. For material changes, we will also notify you by email at least 30 days before the changes take effect.
Your continued use of the Service after the effective date of revised Terms constitutes your acceptance. If you do not agree to the updated Terms, you must stop using the Service and may cancel your account.
12. Governing Law and Disputes
These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law provisions.
Any dispute arising from or relating to these Terms or your use of the Service shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in Delaware. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent infringement of intellectual property rights.
13. Termination
Either party may terminate these Terms at any time. You may terminate by cancelling your account. We may terminate your access immediately if you violate these Terms, engage in fraudulent activity, or for any other reason with 30 days notice.
Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination — including Intellectual Property, Disclaimer of Warranties, Limitation of Liability, and Governing Law — will survive.
14. Contact Us
If you have questions about these Terms, please contact us: