Terms of service

The public website and any approved implementation are intended exclusively for licensed insurance companies, licensed insurance broker organizations, licensed insurance agents acting in documented professional workflows, and their authorized professional personnel. They are not offered to an individual seeking insurance, a quote, coverage, policy service, claim service, payment, payout, or settlement.

A person submitting an enquiry represents that they are acting in a documented professional capacity for an eligible licensed organization and are authorized to provide the submitted business contact information.

Captive Feasibility provides B2B software, workflow configuration, implementation, training, support, data migration, and approved custom development. The platform may organize actuarial methods, assumptions, review stages, reporting, and audit records for the licensed organization’s authorized users.

Public self-service study creation, public software Checkout, and public account access are not available. Any organization access, scope, pricing, invoice, and payment path must be approved under a separate business agreement or proposal.

Captive Feasibility does not recommend or sell insurance and does not offer, quote, solicit, negotiate, place, underwrite, bind, issue, service, cancel, adjust, or settle insurance. It does not collect insurance premium, premium tax, claims funds, or settlement funds. A technology invoice never creates or changes insurance coverage.

The platform does not provide a signed actuarial opinion. No credentialed actuary reviews, certifies, or signs an automated output merely because the software produced it. It is not legal advice, tax advice, or a substitute for a regulator’s review.

The licensed organization controls its insurance products, decisions, transactions, permissions, data, review obligations, regulatory filings, and use of any analytical output. It must provide accurate and lawfully obtained data and use qualified actuaries, counsel, tax professionals, compliance personnel, and other reviewers where required.

The software cannot make a captive-formation or insurance decision. Analytical output is evidence for authorized human review, never the decision itself.

Fees may be planned privately in a Software Implementation Proposal or written agreement. The public website publishes no price or self-service purchase path. Staff-created Stripe invoices and customer-specific hosted invoice URLs remain inactive until the mandatory commercialization release gate passes and Rich approves the named customer class, exact price, technology-only line items, refund and cancellation terms, contract basis, and invoice workflow in writing.

Technology charges may update software billing or approved account administration only. They do not constitute insurance premium and cannot bind, issue, service, cancel, adjust, or settle insurance.

The complete operating boundary, customer duties, data treatment, AI review rule, and no-premium rule are stated on the Insurance Technology Platform — We Do Not Sell Insurance page. These Terms and any organization-specific agreement must be read consistently with that disclosure.

Captive Feasibility takes no captive-formation fee, captive-management contract, insurance commission, insurance premium, or domicile-office revenue. There is no arrangement under which the software provider earns more because a licensed organization chooses to form a captive.

To the maximum extent permitted by law, aggregate liability arising from an approved organization’s use of the technology is limited as stated in the applicable written agreement. Captive Feasibility is not liable for indirect, incidental, consequential, or lost-profit damages to the extent such a limitation is enforceable.

This limitation does not excuse the obligation to implement and support the agreed technology with reasonable care. It recognizes that the licensed organization and its qualified professionals control insurance and capital decisions the software provider does not make.

We aim to keep approved services available and documented but do not guarantee uninterrupted availability. Material public-term changes will be reflected in the date above; organization-specific terms are governed by the applicable written agreement.

These public terms are governed by the laws of the State of Iowa, without regard to conflict-of-laws principles, and the state and federal courts sitting in Polk County, Iowa are the stated venue for disputes arising from them, subject to any superseding written organization agreement.