Terms of Service

These Terms of Service ("Agreement") constitute a legally binding contract between you ("Subscriber," "You," or "Your") and Zenjuries, LLC, a South Carolina limited liability company ("Zenjuries," "We," "Us," or "Our"), governing Your access to and use of the Zenjuries platform, software, APIs, and related services (collectively, the "Service").

By accessing or using the Service, or by authorizing any Agent or End User to do so, You acknowledge that You have read, understood, and agree to be bound by this Agreement, Our Privacy Policy, and any applicable Order Forms or Supplemental Terms. If You are entering into this Agreement on behalf of a company or other legal entity, You represent and warrant that You have the authority to bind that entity and its affiliates to these terms. If You do not have such authority, or if You do not agree with any provision of this Agreement, You must not access or use the Service.

1. Definitions

The following capitalized terms have the meanings set forth below. Additional terms may be defined elsewhere in this Agreement.

2. Access to and Use of the Service

2.1 License Grant

Subject to Your compliance with this Agreement and payment of applicable Subscription Charges, Zenjuries grants You a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the Service during the Subscription Term solely for Your internal business purposes and consistent with the applicable Service Plan.

2.2 API Access

Your right to access and use the API is subject to the additional restrictions and policies implemented by Zenjuries from time to time, as set forth in the Documentation or otherwise communicated to You in writing.

2.3 Technical Requirements

A high-speed Internet connection is required for proper use of the Service. You are responsible for procuring and maintaining all network connections, browser software, and related infrastructure necessary to access the Service, including support for SSL/TLS protocols. Zenjuries is not responsible for notifying You of upgrades to third-party software or for any compromise of data transmitted across networks not owned, operated, or controlled by Zenjuries.

2.4 Acceptable Use

You agree not to, and agree not to permit others to:

• (a)License, sublicense, sell, resell, rent, lease, transfer, assign, distribute, or otherwise commercially exploit the Service to any third party, other than authorized Agents and End Users in furtherance of Your internal business purposes;
• (b)Use the Service to process data on behalf of any third party other than Agents or End Users;
• (c)Modify, adapt, or attempt to gain unauthorized access to the Service or related systems or networks;
• (d)Falsely imply any sponsorship or association with Zenjuries;
• (e)Use the Service in any unlawful manner, including violation of any person's privacy rights;
• (f)Use the Service to send unsolicited or unauthorized junk mail, spam, pyramid schemes, or other duplicative or unsolicited messages;
• (g)Use the Service to store or transmit content that infringes any person's intellectual property rights;
• (h)Interfere with or disrupt the integrity or performance of the Service;
• (i)Copy, decipher, decompile, reverse engineer, disassemble, or otherwise attempt to derive the source code of any software comprising the Service;
• (j)Store or transmit any 'protected health information' as defined in 45 C.F.R. § 160.103 without a fully executed Business Associate Agreement with Zenjuries;
• (k)Knowingly post, transmit, upload, link to, send, or store any viruses, malware, Trojan horses, time bombs, or other harmful software ('Malicious Software'); or
• (l)Otherwise use the Service in violation of this Agreement.

2.5 Subscriber Responsibilities

You are responsible for compliance with this Agreement by all Agents and End Users, and for all activities that occur under Your Account. You are solely responsible for ensuring that Your use of the Service to store and transmit Your Data complies with all applicable laws and regulations. You also maintain sole responsibility for determining whether the Service or information generated thereby is accurate or sufficient for Your purposes.

2.6 Login Credentials

Each Agent must be identified by a unique username and password. Agent logins may not be shared among multiple individuals. You and Your Agents are responsible for maintaining the confidentiality of all login credentials. You must notify Zenjuries promptly at [email protected] if You become aware of any unauthorized use of or access to Your Account.

2.7 Suspension

Zenjuries reserves the right to temporarily suspend Your access to the Service: (a) during planned downtime for upgrades and maintenance, of which Zenjuries will use commercially reasonable efforts to provide advance notice; (b) during unavailability caused by circumstances beyond Zenjuries's reasonable control, including acts of God, government action, civil unrest, technical failures, or distributed denial-of-service attacks; or (c) if Zenjuries suspects or detects Malicious Software connected to Your Account.

3. Data Privacy, Security, and Confidentiality

3.1 Confidentiality Obligations

Each party agrees to protect the other's Confidential Information using at least the same degree of care it uses to protect its own Confidential Information, but in no event less than reasonable care. Each party may use the other's Confidential Information solely to exercise its rights and perform its obligations under this Agreement, and may disclose such information only to employees, representatives, and agents who have a need to know and are bound by confidentiality obligations at least as protective as those set forth herein.

3.2 Compelled Disclosure

Either party may disclose Confidential Information to the extent legally required by law, regulation, or court order; provided, however, that the disclosing party will, to the extent permitted by law, provide advance written notice to the other party and cooperate with any efforts to seek a protective order or other appropriate relief.

3.3 Equitable Relief

Each party acknowledges that unauthorized disclosure of Confidential Information would cause substantial harm for which monetary damages alone would be an insufficient remedy, and that the non-disclosing party may be entitled to seek equitable relief, including injunction and specific performance, in addition to all other remedies available at law or in equity.

3.4 Security Safeguards

Zenjuries will maintain commercially reasonable administrative, physical, and technical safeguards designed to protect the security, confidentiality, and integrity of Your Data, including encryption of Your Data in transmission using SSL/TLS or equivalent technologies. Zenjuries will notify You without undue delay upon becoming aware of any confirmed security breach that affects Your Data, in accordance with applicable law.

3.5 Data Processing

Zenjuries and its authorized service providers may access Your Account and use, modify, reproduce, distribute, display, and disclose Your Data solely to the extent necessary to provide the Service, including in response to Your support requests. Third-party service providers will only be given access to Your Account and Your Data as reasonably necessary and will be subject to confidentiality obligations. Zenjuries may also access or disclose information about Your Account in order to: (a) comply with applicable law or respond to lawful legal process; (b) protect the rights or property of Zenjuries or its customers; or (c) act on a good-faith belief that disclosure is necessary to protect personal safety or prevent violation of applicable law.

3.6 Privacy Policy

Zenjuries collects, uses, and protects information about You, Agents, and End Users as described in the Zenjuries Privacy Policy, available at www.zenjuries.com/privacy, which is incorporated into this Agreement by reference.

3.7 Data Controller and Processor Roles

To the extent Zenjuries processes Personal Data on Your behalf in connection with the Service, You shall be deemed the data controller and Zenjuries shall be deemed the data processor, as those terms are understood under applicable data protection law. By using the Service, You consent, on behalf of yourself and Your Agents and End Users (and represent that You have authority to provide such consent), to the processing of Your Data within the Zenjuries Group and by authorized service providers in accordance with this Agreement and the Privacy Policy.

3.8 Usage Data

Notwithstanding anything to the contrary, Zenjuries shall have the right, where permitted by law, to collect, aggregate, and analyze anonymized or de-identified Usage Data relating to use of the Service. Zenjuries may use Usage Data to analyze, support, develop, operate, and improve the Service and for other lawful business purposes, including generating industry benchmarks or best practice guidance. Usage Data will not identify You or Your End Users individually.

4. Intellectual Property

4.1 Zenjuries Ownership

The Service, including all software, algorithms, interfaces, documentation, and related intellectual property rights, is and shall remain the exclusive property of Zenjuries. No ownership right in the Service is conveyed to Subscriber or End Users. All improvements, enhancements, modifications, and derivative works of the Service developed by or on behalf of Zenjuries are owned exclusively by Zenjuries. Zenjuries trademarks, service marks, and logos may only be used by Subscriber to identify itself as a Subscriber; Subscriber may not claim any rights in such marks, degrade their distinctiveness, or use them to disparage Zenjuries.

4.2 Subscriber Ownership of Your Data

As between Subscriber and Zenjuries, Subscriber owns all intellectual property rights in and to Your Data. Subscriber grants Zenjuries a worldwide, non-exclusive, non-sublicensable, non-transferable (except to a permitted Zenjuries assignee), limited license to access, use, copy, reproduce, process, adapt, distribute, publish, transmit, export, and display Your Data solely as reasonably necessary to: (a) provide, maintain, and update the Service; (b) prevent or address service, security, support, and technical issues; and (c) as otherwise expressly permitted by this Agreement or by Subscriber in writing.

4.3 Feedback License

Zenjuries shall have a royalty-free, worldwide, transferable, sublicensable, irrevocable, and perpetual license to incorporate into the Service or otherwise use any suggestions, enhancement requests, recommendations, or other feedback received from You, Agents, or End Users, without any obligation or compensation to Subscriber.

5. Third-Party Services

If You enable, access, or use Other Services in connection with the Service, Your access and use of those Other Services is governed solely by the terms and conditions of those Other Services. Zenjuries does not endorse, and is not responsible or liable for, any aspect of Other Services, including their content, data handling practices, or security. You irrevocably waive any claim against Zenjuries arising from Your use of Other Services. By enabling any Other Service, You expressly permit Zenjuries to disclose Your login credentials and Your Data as necessary to facilitate such integration.

6. Fees, Billing, and Payment

6.1 Subscription Charges

Unless otherwise indicated in an Order Form, all Subscription Charges are due in full upon commencement of the Subscription Term. Subscription Charges are non-refundable except as expressly provided in this Agreement.

6.2 Automatic Renewal and Payment Authorization

Unless otherwise agreed in writing, subscriptions automatically renew for successive Subscription Terms of the same duration. By providing payment information, You authorize Zenjuries to automatically charge Your selected payment method on or after the start of each renewal Subscription Term. Zenjuries may choose to bill through invoice, in which case full payment is due within thirty (30) days of the invoice date.

6.3 Delinquent Payments

If You fail to pay Subscription Charges within five (5) business days of Zenjuries's notice that payment is due or delinquent, or if You fail to update payment information upon Zenjuries's request, Zenjuries may, in addition to its other remedies, suspend or terminate access to the Service.

6.4 Billing Disputes

If You believe Zenjuries has billed You incorrectly, You must contact Zenjuries no later than thirty (30) days after the closing date on the first billing statement in which the error appeared. Inquiries should be directed to [email protected].

6.5 Upgrades and Downgrades

If You upgrade Your Service Plan or increase the number of authorized Agents during a Subscription Term, incremental Subscription Charges will be prorated over the remaining period of the then-current Subscription Term and due upon implementation of the upgrade. No refunds or credits will be provided for downgrades. Downgrading Your Service Plan may result in loss of content, features, or capacity, and Zenjuries accepts no liability for such loss.

6.6 Taxes

Subscription Charges do not include taxes, levies, duties, or similar governmental assessments, including value-added, sales, use, or withholding taxes ("Taxes"). You are responsible for paying all applicable Taxes, except those assessed against Zenjuries based on its net income. Zenjuries will invoice You for Taxes where it has a legal obligation to do so.

7. Term and Termination

7.1 Term

This Agreement commences on the date You first access or use the Service and continues for the initial Subscription Term, automatically renewing for successive terms of the same duration unless terminated in accordance with this Section.

7.2 Termination for Convenience

Either party may elect not to renew by providing written notice at least thirty (30) days prior to the end of the then-current Subscription Term.

7.3 Termination for Cause

Either party may terminate this Agreement if the other party fails to cure any material breach within thirty (30) days after written notice describing the breach. Zenjuries may immediately terminate this Agreement if You, Agents, or End Users: (a) violate Section 2.4 (Acceptable Use); (b) engage in fraudulent, abusive, or illegal activity; or (c) fail to pay undisputed Subscription Charges when due. You may terminate this Agreement if You cease business operations or become subject to insolvency proceedings not dismissed within sixty (60) days.

7.4 Effect of Termination

Upon termination or expiration of this Agreement: (a) all licenses granted to You shall immediately terminate; (b) You must immediately pay any unpaid Subscription Charges for the remainder of the then-current Subscription Term, except where You terminate due to Zenjuries's uncured material breach; (c) Zenjuries will make Your Data available for electronic retrieval for thirty (30) days following termination, after which Zenjuries shall delete Your Data in accordance with its data deletion policy; and (d) Zenjuries reserves the right to delete all Your Data in the normal course of operations after the retrieval period. Your Data cannot be recovered once deleted.

8. Warranties

8.1 Zenjuries Warranty

Zenjuries warrants that during the applicable Subscription Term, the Service will perform materially in accordance with the Documentation. Zenjuries's sole liability, and Your sole and exclusive remedy, for any breach of this warranty will be, at no charge to You, for Zenjuries to use commercially reasonable efforts to correct the reported non-conformity. If Zenjuries determines such correction to be impracticable, either party may terminate this Agreement and You will receive a pro-rata refund of any pre-paid, unused Subscription Charges for the terminated portion of the Subscription Term.

8.2 Subscriber Warranties

You warrant that: (a) You are entitled to submit Your Data to the Service and to grant Zenjuries the rights set forth in this Agreement; (b) Your Data and Your use of the Service comply with all applicable laws and regulations; and (c) You have obtained all necessary consents from End Users for the processing of their Personal Data in connection with the Service.

8.3 Mutual Warranties

Each party represents and warrants that: (a) this Agreement has been duly executed and constitutes a valid and binding obligation; (b) no third-party authorization is required in connection with execution or performance of this Agreement; and (c) execution and performance of this Agreement does not violate any other agreement to which it is a party.

8.4 Disclaimer of Warranties

EXCEPT AS EXPRESSLY PROVIDED IN SECTION 8.1, AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL RELATED COMPONENTS AND INFORMATION ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. ZENJURIES EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ZENJURIES DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER MALICIOUS SOFTWARE. NO INFORMATION OR ADVICE OBTAINED FROM ZENJURIES OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

9. Indemnification

9.1 Zenjuries Indemnification

Zenjuries will defend You from and against any third-party claim alleging that Your use of the Service as permitted under this Agreement infringes or misappropriates a third party's valid patent, copyright, trademark, or trade secret (an "IP Claim"), and will indemnify You for damages finally awarded against You in connection with such IP Claim, including reasonable attorneys' fees. Zenjuries's obligations are conditioned upon: (a) You promptly notifying Zenjuries of the IP Claim; (b) Zenjuries having sole and exclusive control over the defense and settlement; and (c) Your full cooperation. Zenjuries will have no obligation under this Section with respect to any IP Claim arising from: (i) compliance with Your designs, data, instructions, or specifications; (ii) modification of the Service by anyone other than Zenjuries; or (iii) combination of the Service with hardware or software not provided by Zenjuries where the Service alone would not be infringing.

9.2 Potential Infringement Remedies

If the Service becomes, or in Zenjuries's reasonable opinion is likely to become, the subject of an IP Claim, Zenjuries may, at its option and expense: (a) procure for You the right to continue using the Service; (b) replace or modify the Service to make it non-infringing while retaining substantially similar functionality; or (c) if neither (a) nor (b) is commercially practicable, terminate Your subscription and provide a pro-rated refund of prepaid, unused Subscription Charges. Section 9.1 states Zenjuries's sole liability and Your exclusive remedy with respect to IP Claims.

9.3 Subscriber Indemnification

You will defend Zenjuries and its affiliates, officers, directors, employees, and agents from and against any third-party claim arising from or related to: (a) Your or an End User's use of the Service in breach of this Agreement; (b) Your Data, including any claim that Your Data infringes or violates any third-party rights or applicable law; or (c) Your violation of any applicable law or regulation. You will indemnify Zenjuries for damages finally awarded in connection with such claims, including reasonable attorneys' fees.

9.4 Indemnification Process

The party seeking indemnification must: (a) provide prompt written notice of the claim to the indemnifying party; (b) grant the indemnifying party sole control over the defense and settlement; and (c) provide reasonable cooperation and assistance. No settlement requiring the indemnified party to admit liability or make any financial payment shall be entered into without the indemnified party's prior written consent, not to be unreasonably withheld.

10. Limitation of Liability

10.1 Exclusion of Consequential Damages

UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (WHETHER IN CONTRACT, TORT, NEGLIGENCE, OR OTHERWISE) WILL EITHER PARTY, OR THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS, BE LIABLE TO THE OTHER PARTY OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, PUNITIVE, OR OTHER SIMILAR DAMAGES, INCLUDING LOST PROFITS, LOST SALES OR BUSINESS, LOST DATA, BUSINESS INTERRUPTION, LOSS OF GOODWILL, OR COSTS OF COVER OR REPLACEMENT, REGARDLESS OF WHETHER SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2 Aggregate Liability Cap

NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, ZENJURIES'S AGGREGATE LIABILITY TO YOU OR ANY THIRD PARTY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE SERVICE SHALL IN NO EVENT EXCEED THE TOTAL SUBSCRIPTION CHARGES PAID BY YOU DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE FIRST EVENT OR OCCURRENCE GIVING RISE TO SUCH LIABILITY.

10.3 Exceptions

The limitations in Sections 10.1 and 10.2 shall not apply to: (a) either party's indemnification obligations under Section 9; (b) Subscriber's non-payment of undisputed fees due and payable; or (c) either party's fraud, willful misconduct, or gross negligence.

10.4 Jurisdictional Variations

Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, Zenjuries's liability will be limited to the greatest extent permitted by applicable law.

11. Insurance-Specific Provisions

11.1 No Insurance Advice

The Service is a technology platform designed to facilitate claims management, coverage analysis, and agency performance intelligence. Nothing in the Service or its outputs constitutes insurance advice, legal advice, financial advice, or a recommendation to purchase, modify, or cancel any insurance policy or coverage. Subscriber is solely responsible for all insurance-related decisions made in connection with use of the Service.

11.2 Regulatory Compliance

Subscriber is solely responsible for ensuring that its use of the Service complies with all applicable insurance regulations, licensing requirements, and industry standards in each jurisdiction in which Subscriber operates, including but not limited to state insurance department requirements, workers' compensation regulations, and any applicable federal insurance laws.

11.3 Claims Data Accuracy

Zenjuries does not warrant the accuracy, completeness, or fitness for purpose of any claims data, coverage analysis, or financial intelligence generated by the Service. Subscriber is responsible for independently verifying all outputs before relying on them for claims decisions, coverage determinations, or financial reporting.

11.4 No PHI Processing Without BAA

The Service is not designed or intended to process "protected health information" as defined under HIPAA (45 C.F.R. § 160.103). Subscriber shall not use the Service to store, transmit, or process protected health information without a fully executed Business Associate Agreement with Zenjuries. Zenjuries shall not be liable for any HIPAA violations arising from Subscriber's unauthorized submission of protected health information to the Service.

12–20. General Provisions

12. Assignment; Entire Agreement; Amendments

You may not assign or transfer this Agreement or any of Your rights or obligations hereunder without Zenjuries's prior written consent, which will not be unreasonably withheld. Zenjuries may, without Your consent, assign this Agreement to any member of the Zenjuries Group or in connection with any merger, change of control, or sale of all or substantially all of Zenjuries's assets, provided that any successor agrees to fulfill all obligations under this Agreement. This Agreement, together with any Order Forms and incorporated policies, constitutes the entire agreement between the parties and supersedes all prior agreements, representations, and understandings. Zenjuries may amend this Agreement from time to time with not less than thirty (30) days' prior written notice of any material amendment. Your continued use of the Service following the effective date of any amendment constitutes Your acceptance of the amended terms.

13. Severability

If any provision of this Agreement is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of this Agreement shall continue in full force and effect.

14. Export Compliance

The Service and related software may be subject to U.S. export control and economic sanctions laws. You agree to comply with all applicable export laws and regulations. You shall not access or use the Service if You are located in any jurisdiction in which provision of the Service is prohibited under U.S. or other applicable law. You represent and warrant that You are not named on any U.S. government list of persons or entities prohibited from receiving U.S. exports, and that You will not permit Agents or End Users to access or use the Service in violation of any applicable export embargo, prohibition, or restriction.

15. Relationship of the Parties

The parties are independent contractors. This Agreement does not create a partnership, franchise, joint venture, agency, fiduciary, or employment relationship between the parties.

16. Survival

Sections 1, 2.4, 3, 4, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, and 19 shall survive any termination or expiration of this Agreement. Termination shall not limit either party's liability for obligations accrued prior to termination or for any breach of this Agreement.

17. Notices

All notices to be provided by Zenjuries to You under this Agreement may be delivered by nationally recognized overnight courier, U.S. mail, or email to the address provided for Your Account owner. Notices to Zenjuries must be sent in writing to:

All notices shall be deemed given immediately upon delivery by email, or if otherwise delivered, upon receipt or two (2) business days after deposit with a courier or the U.S. mail.

18. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of laws principles. Each party hereby consents to the exclusive personal jurisdiction and venue of the federal and state courts located in Greenville County, South Carolina for the resolution of any dispute arising out of or relating to this Agreement or the Service. Before initiating any formal legal proceeding, each party agrees to attempt to resolve any dispute informally by providing written notice to the other party and negotiating in good faith for a period of thirty (30) days. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY HEREBY IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE.

19. Federal Government End Use

If You are a U.S. federal government department or agency, or contracting on behalf of such department or agency, the Service is a "Commercial Item" as defined at 48 C.F.R. § 2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation" as those terms are used in 48 C.F.R. § 12.212 or 48 C.F.R. § 227.7202. Consistent with 48 C.F.R. § 12.212 or 48 C.F.R. § 227.7202-1 through 227.7202-4, as applicable, the Service is licensed to You with only those rights provided under this Agreement.

20. Accessibility

Zenjuries is committed to making the Service accessible to users with disabilities. If You experience accessibility barriers while using the Service, please contact us at [email protected] and we will work in good faith to address Your concerns.

This Agreement was last updated on April 7, 2026. Previous versions are available upon request by contacting [email protected].