PolicyAI – Important Legal Disclaimer

All information, responses, explanations or summaries provided by PolicyAI are general in nature and are not financial advice, insurance advice, legal advice or any other form of professional advice.

PolicyAI does not consider your personal objectives, financial situation or needs. Before making any decisions regarding insurance products, you should:

• read the full Product Disclosure Statement (PDS) and policy wording,
• seek independent professional advice where appropriate, and
• verify all information directly with the insurer or a licensed insurance professional.

You must not rely solely on PolicyAI to make decisions about purchasing, renewing, cancelling or altering an insurance policy.

PolicyAI uses artificial intelligence and may occasionally generate:

• inaccurate, incomplete, outdated or unclear information,
• misunderstandings of policy clauses,
• incorrect interpretations of product features, exclusions or limits.

Although we take reasonable steps to improve accuracy, we do not warrant or guarantee that information provided will always be correct, up-to-date or suitable for your intended use.

You are responsible for verifying all information independently.

PolicyAI extracts and analyses information from:

• publicly available insurer documents (e.g., PDS, policy wordings, brochures),
• insurer websites, and
• other freely accessible information sources.

While we aim to update our data regularly, insurers may update their PDS, underwriting guidelines or policy information without notice, and PolicyAI may not always immediately reflect these changes.

InsurAI does not guarantee completeness, accuracy or currency of any sourced material.

PolicyAI and InsurAI are not affiliated with, endorsed by, sponsored by or associated with any insurance company unless explicitly stated.

Insurer names, product names and policy documents are used solely for informational and comparative purposes.

To the maximum extent permitted under Australian law:

InsurAI, its founders, developers, contractors and partners disclaim all liability for any loss, damage, cost or claim (including direct, indirect or consequential loss) arising from or connected with the use of PolicyAI.

You use PolicyAI at your own risk.

We are not responsible for any decisions, actions or omissions you take based on information generated by the system.

Nothing in this disclaimer seeks to exclude any consumer guarantees that cannot be excluded under the Australian Consumer Law (ACL), but our liability is limited to the extent permitted by law.

PolicyAI is provided "as is" and "as available."

We do not guarantee:

• uninterrupted or error-free service,
• that data will be accurate or current,
• or that the tool will meet your requirements.

We may update, modify or discontinue the service at any time without notice.

You agree that:

• You are solely responsible for verifying all information before relying on it.
• You will not treat PolicyAI outputs as a substitute for reading insurer documents.
• You understand the inherent limitations of artificial intelligence technology.

If you notice an error, discrepancy, outdated policy wording or incomplete information, we encourage you to notify us at support@insurai.com so we can update the system.

This Disclaimer is governed by the laws of Australia.

By using PolicyAI, you submit to the exclusive jurisdiction of the courts of Australia.