Terms of Use

By accessing owl.co or using any Owl product, you agree to these Terms of Use and to our Privacy Policy. If you are agreeing on behalf of an organization, you represent that you have authority to bind it. If you do not agree, do not use the services.

• a.“Services” means owl.co, the Owl products (OwlVision, OwlSignal, OwlAssist and the Owl platform), and any related applications or APIs.
• b.“Customer Data” means the claim files and other content a customer submits to the Services for processing.
• c.“MSA” means a Master Subscription Agreement executed between Owl and a customer organization.

Owl grants you a limited, non-exclusive, non-transferable right to access the Services for their intended purpose: supporting the adjudication of insurance claims by qualified human reviewers. The Services support human decisions; they do not replace the licensed reviewer who issues a determination.

For enterprise use, scope, term, and permitted users are set by the applicable MSA and order form.

You are responsible for safeguarding credentials issued to you and for all activity under your account. Credentials may not be shared. Notify us immediately at security@owl.co of any unauthorized use. We may suspend access where we reasonably believe an account is compromised or being misused.

You agree not to:

• a.use the Services to make a fully automated adverse claim decision without licensed human review;
• b.reverse engineer, scrape, or attempt to extract model weights or training data;
• c.submit data you lack the right or authorization to submit, or upload malicious code;
• d.circumvent usage limits, security controls, or access permissions;
• e.use output in a way that violates applicable insurance, privacy, or anti-discrimination law.

As between the parties, customers own their Customer Data and the outputs Owl generates from it. Owl processes Customer Data solely to provide the Services, under the Privacy Policy and the applicable MSA. Owl claims no right to use Customer Data to train shared models.

The Services, including all software, models, benchmarks, designs and documentation, are owned by Owl and protected by intellectual-property law. Except for the limited access right granted here, no rights are transferred to you. “Owl,” “OwlVision,” “OwlSignal,” “OwlAssist” and the Owl mark are trademarks of Owl Technologies, Inc.

Each party may receive information that is confidential to the other. The receiving party will protect it with reasonable care, use it only to exercise rights and meet obligations under these terms, and not disclose it except to personnel and contractors bound by comparable confidentiality duties.

Access for enterprise customers is governed by the fees in the applicable order form. Unless stated otherwise, fees are non-refundable, exclusive of taxes, and due per the order form’s payment terms. The public website is provided free of charge.

The Services assist human reviewers; they do not provide legal, medical, or actuarial advice and do not issue claim determinations. Except as expressly stated in an MSA, the Services are provided “as is” and Owl disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, consequential or punitive damages, and each party’s aggregate liability arising out of the Services is limited as set out in the applicable MSA, or, absent an MSA, to USD $100. Nothing here limits liability that cannot be limited by law.

You will defend and indemnify Owl against third-party claims arising from your misuse of the Services, your violation of these terms, or Customer Data you were not authorized to submit. Enterprise indemnities are governed by the applicable MSA.

These terms apply for as long as you use the Services. We may suspend or terminate access for material breach, unlawful use, or as required by law. On termination, your right to access the Services ends and Customer Data is handled per the Privacy Policy and the applicable MSA. Provisions that by their nature should survive (confidentiality, IP, disclaimers, liability limits) survive termination.

These terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable there, without regard to conflict-of-law rules. The parties submit to the exclusive jurisdiction of the courts of Vancouver, British Columbia, except where an MSA specifies otherwise.

We may update these terms from time to time. Material changes are posted here with an updated date and, for customers, communicated through the product or by email. Continued use after changes take effect constitutes acceptance.