1. Acceptance of Terms

By accessing or using the website, platform, applications, or services (collectively, the "Services") provided by Strala Group Inc. ("Strala," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Services. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Eligibility

You must be at least 18 years of age and capable of forming a binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements.

3. Description of Services

Strala provides AI-native claims processing, third-party administration, and related technology services for Property & Casualty insurers, as well as informational content through its website. The specific scope, features, and limitations of Services provided to business customers are governed by separate Customer Agreements, which control in the event of any conflict with these Terms.

4. Accounts

If you create an account, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You agree to provide accurate, current, and complete information and to notify us immediately of any unauthorized use. We reserve the right to suspend or terminate accounts that violate these Terms.

5. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable law or regulation.

• Interfere with, disrupt, or compromise the integrity or security of the Services or any related systems or networks.

• Attempt to gain unauthorized access to any part of the Services, other accounts, or systems.

• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of the Services.

• Use the Services to transmit malware, spam, or any harmful or deceptive content.

• Scrape, crawl, or use automated means to access the Services without our prior written consent.

• Remove, alter, or obscure any proprietary notices, labels, or marks on the Services.

• Use the Services to infringe upon or misappropriate the intellectual property or privacy rights of any third party.

• Resell, sublicense, or redistribute the Services without our prior written consent.

6. Intellectual Property

All content, software, technology, trademarks, logos, designs, and other materials associated with the Services are owned by or licensed to Strala and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Services or our intellectual property except the limited right to use the Services in accordance with these Terms. Any feedback, suggestions, or ideas you provide to us may be used by us without obligation or compensation to you.

7. User Content

You retain ownership of any content you submit through the Services ("User Content"). By submitting User Content, you grant Strala a non-exclusive, worldwide, royalty-free license to use, process, store, and display such content solely as necessary to provide and improve the Services. You represent that you have all rights necessary to grant this license and that your User Content does not violate any law or infringe any third-party rights.

8. Third-Party Links and Services

The Services may contain links to third-party websites or integrate with third-party services. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites or services. Your use of such third-party resources is at your own risk and subject to their respective terms.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. STRALA DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM STRALA OR THROUGH THE SERVICES CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

THE SERVICES MAY INCLUDE AI-ASSISTED FEATURES. AI OUTPUTS ARE PROVIDED FOR INFORMATIONAL AND OPERATIONAL SUPPORT PURPOSES AND SHOULD NOT BE RELIED UPON AS THE SOLE BASIS FOR DECISIONS WITH LEGAL, FINANCIAL, OR MEDICAL CONSEQUENCES WITHOUT APPROPRIATE HUMAN REVIEW.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL STRALA, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF STRALA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STRALA'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO STRALA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

11. Indemnification

You agree to indemnify, defend, and hold harmless Strala and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your User Content, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services ceases immediately. Sections of these Terms that by their nature should survive termination will survive, including but not limited to Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Services shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts. To the extent permitted by law, you waive any right to a jury trial and agree that any claim must be brought in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Material changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Services after any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any applicable Customer Agreement, constitute the entire agreement between you and Strala regarding the Services and supersede all prior agreements and understandings. In the event of a conflict between these Terms and a signed Customer Agreement, the Customer Agreement controls.