Terms of Use

The rules of the road.

Last updated: April 22, 2026

These terms govern your use of upfrontrisk.io, the RiskWritr upload portal, and any related beta tools. Using the site means you agree to them. If you don't, don't use the site — simple as that.

1. Who you're dealing with

The site is operated by UpFront Risk Solutions, LLC, a Pennsylvania LLC. Throughout these terms, "UpFront Risk," "RiskWritr," "I," and "me" mean the same thing.

2. Not insurance advice, not a policy, not a binder

Read this twice. Nothing on this site or produced by RiskWritr is a quote, a binder, a certificate, or a promise of coverage. No communication here creates an agent/broker relationship, a fiduciary duty, or a carrier appointment unless you and I have a signed written agreement that says otherwise.

RiskWritr is an intake, enrichment, narrative, and proposal tool for licensed insurance professionals. Decisions about coverage, limits, carrier selection, and placement stay with licensed humans — the producing agent, the wholesaler, and the carrier underwriter. Any AI-generated content is a draft, not a determination.

3. Beta status

RiskWritr is in limited beta. Features move. Things occasionally break. I ship fast and fix fast. By using the beta, you accept that:

  • Functionality may change without notice.
  • Uptime is best-effort, not guaranteed.
  • Outputs require human review before being used with a client or carrier.

4. Your account and submissions

You're responsible for the accuracy of what you submit. You confirm that:

  • You have the legal right to share any documents you upload.
  • You have obtained any consents required from third parties (insureds, employees, drivers, etc.).
  • You aren't uploading malware, ransomware, or content that violates the law.
  • You aren't impersonating someone else.

5. Acceptable use

Don't:

  • Try to break, probe, or reverse-engineer the platform.
  • Scrape or bulk-extract content without permission.
  • Upload unlawful, infringing, defamatory, or sanctions-restricted content.
  • Use the platform to harass anyone.
  • Resell, sublicense, or white-label the platform without a written agreement.

If I think you're violating any of this, I can suspend or terminate access without notice. If it's an honest misunderstanding, I'll email first and ask.

6. Intellectual property

Mine

The RiskWritr platform, the UpFront Risk Operating Cycle, the A.G.E.N.T. framework, the site design, copy, code, and underlying models are owned by UpFront Risk Solutions, LLC or its licensors. You get a limited, revocable, non-exclusive license to use the platform as intended. Nothing more.

Yours

You keep ownership of everything you submit — your documents, your client data, your notes. You grant me a license to use that content solely to deliver what you asked for (demo, risk review, quote, proposal), to operate the platform (backups, security, audit logs), and to improve the product in de-identified / aggregated form only. Your raw client data is never used to train models in an identified way.

7. Third-party services

The platform relies on third parties (Supabase, Vercel, Copper, email providers, AI model providers). Their terms apply to the parts of the service they deliver. I vet them and minimize what I share with them — see the Security and Privacy pages.

8. Fees

The beta is currently free. If I launch paid plans, I'll notify you and you'll have a chance to opt in. I will never charge you for something you didn't actively agree to.

9. Warranty disclaimer

The platform is provided "as is" and "as available."To the fullest extent allowed by law, I disclaim all warranties — express, implied, or statutory — including fitness for a particular purpose, merchantability, non-infringement, and any warranty arising from course of dealing. I don't warrant that the platform will be uninterrupted, error-free, or secure against every possible threat.

10. Limitation of liability

To the fullest extent allowed by law, UpFront Risk Solutions, LLC's total aggregate liability for any claim arising out of or related to the platform is capped at the greater of (a) fees you paid me in the 12 months before the claim or (b) one hundred US dollars ($100).

I'm not liable for indirect, incidental, consequential, special, exemplary, or punitive damages; lost profits or revenue; lost data; or business interruption — even if I was told they were possible.

Some jurisdictions don't allow these limits. If that's you, some of the above may not apply — but the rest stands.

11. Indemnity

You agree to defend, indemnify, and hold harmless UpFront Risk Solutions, LLC from any claim arising out of your content, your misuse of the platform, or your violation of these terms.

12. Termination

You can stop using the platform at any time. I can suspend or terminate access at any time for breach, abuse, legal reasons, or if I sunset the product. On termination, rights in sections 6, 9, 10, 11, 13, and 14 survive.

13. Governing law

These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-laws rules. Exclusive venue for any dispute is the state or federal courts located in Pennsylvania, and you consent to that jurisdiction.

14. Changes

If I change these terms materially, I'll update the "Last updated" date and post a note on the Legal hub. Continued use after a change means you accept the update.

15. Contact

Questions? scott@upfrontrisk.io.