Terms of Service

These Terms of Service govern your access to and use of the websites, software, products, services, data tools, integrations, and related offerings provided by Insight LLC, including Decision Cloud and related Insight services. By accessing or using our services, you agree to these Terms.

If you are using the services on behalf of a company or other organization, you represent that you have authority to bind that organization, and references to “you” include that organization.

Insight provides cloud-based underwriting, analytics, fraud detection, data integration, reporting, and workflow tools for private money lenders and related businesses. The services may include access to third-party data sources, models, scores, verification tools, and integrations.

Our services are intended to support business decisioning workflows. They do not replace your independent judgment, underwriting policies, compliance obligations, or legal review.

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information and to promptly notify us of unauthorized access or security concerns.

We may suspend or restrict access if we believe an account is being used unlawfully, insecurely, in violation of these Terms, or in a way that may harm Insight, our customers, our vendors, or the services.

You are responsible for the accuracy, legality, quality, and permissibility of any data you submit, upload, transmit, or make available through the services. You represent that you have all rights, consents, notices, and authorizations required to provide that data to Insight and to permit Insight to process it for the services.

You are responsible for complying with laws that apply to your business and your use of data, including consumer reporting, privacy, data security, lending, marketing, and anti-discrimination laws where applicable.

Insight may provide tools, data, analytics, fraud signals, scores, reports, and workflow automation, but you remain responsible for your own decisions and compliance obligations. You are responsible for determining whether and how the services may be used in your jurisdiction, industry, and business process.

Unless expressly agreed in a written agreement signed by Insight, the services are not legal advice, compliance advice, financial advice, credit approval advice, or a guarantee of any result.

The services may connect with or incorporate third-party data, platforms, vendors, APIs, software, or services. Third-party services may be subject to their own terms, restrictions, availability, and pricing.

Insight is not responsible for the accuracy, completeness, availability, timeliness, or legality of third-party data or services except to the extent expressly required by a written agreement with you.

You agree not to misuse the services. Prohibited activity includes attempting to access systems without authorization, interfering with service operations, reverse engineering the services except where legally permitted, uploading malicious code, violating applicable law, infringing others’ rights, or using the services to make unlawful, discriminatory, deceptive, or abusive decisions.

You may not resell, sublicense, or make the services available to third parties except as allowed in a written agreement with Insight.

Insight and its licensors own all rights, title, and interest in the services, software, website, designs, workflows, models, documentation, content, and related technology, excluding Customer Data. No rights are granted except as expressly stated in these Terms or a written agreement.

If you provide feedback or suggestions, you grant Insight a perpetual, irrevocable, worldwide, royalty-free right to use that feedback without restriction or obligation to you.

Each party may receive confidential or proprietary information from the other. The receiving party will use reasonable care to protect confidential information and will use it only for purposes related to the services, except as permitted by law or written agreement.

Fees, billing terms, usage limits, and payment obligations are set out in the applicable order form, subscription agreement, statement of work, invoice, or other written agreement. Unless otherwise stated, fees are non-refundable to the fullest extent permitted by law.

We work to provide reliable services, but we do not guarantee uninterrupted or error-free operation. We may modify, update, suspend, or discontinue portions of the services, including features and integrations, subject to any written agreement that applies to you.

To the fullest extent permitted by law, the services are provided “as is” and “as available.” Insight disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation.

Insight does not warrant that any score, model, data source, fraud signal, report, integration, or recommendation will be accurate, complete, timely, compliant for your specific use, or suitable for any particular decision.

To the fullest extent permitted by law, Insight will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, loss of goodwill, business interruption, or substitute services.

To the fullest extent permitted by law, Insight’s total liability for all claims related to the services will not exceed the amounts paid by you to Insight for the services giving rise to the claim during the twelve months before the event giving rise to liability, or one hundred dollars if no amounts were paid.

You agree to defend, indemnify, and hold harmless Insight, its affiliates, officers, directors, employees, contractors, and agents from claims, damages, liabilities, losses, and expenses arising from your data, your use of the services, your decisions or actions based on the services, your violation of these Terms, or your violation of law or third-party rights.

You may stop using the services at any time. We may suspend or terminate access if you violate these Terms, fail to pay amounts due, create security or legal risk, or if required by law or vendor restrictions. Provisions that by their nature should survive termination will survive.

These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules. To the extent permitted by law, disputes will be resolved in the state or federal courts located in Sonoma County, California or the nearest appropriate federal district, unless a separate written agreement requires another forum.

We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date. Continued use of the services after changes become effective means you accept the updated Terms.

Questions about these Terms may be sent to Insight LLC, 3775 Brickway Blvd, Suite 210, Santa Rosa, CA 95403, or by email at support@insight.tm.