The deal between us.

These Terms govern your use of CarrierRecon. They're written in plain language because we'd rather you actually read them. If anything is unclear, email hello@carrierrecon.ca before you sign up.

1. Agreement

By creating an account, submitting an audit request, uploading statements, or otherwise using CarrierRecon, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the service.

These Terms are a contract between CircuitVista Inc. ("CircuitVista", "CarrierRecon", "we", "us") — the company that operates the CarrierRecon service — and the brokerage or person agreeing to them ("you", "your brokerage"). If you're agreeing on behalf of a brokerage, you represent that you have the authority to bind that brokerage.

2. What CarrierRecon does (and doesn't)

CarrierRecon:

• Parses carrier commission statements (PDFs) you upload, extracting structured policy + commission data
• Reconciles those statements against the book of business you provide, identifying underpayments, missing renewals, wrong rates, and other discrepancies
• Generates recovery letters and audit reports based on the reconciliation results

CarrierRecon is not a licensed insurance brokerage, agent, broker-of-record, MGA, or carrier. We do not quote, bind, sell, renew, endorse, or service insurance policies. We do not provide insurance advice. We do not enter into any relationship with your insureds or your carriers.

We are a data-analysis service for licensed brokerages. You remain solely responsible for the insurance services you provide to your insureds and for your relationships with your carriers.

3. Your account

To use the dashboard portion of the service, you create an account using a work email and confirm sign-in via a magic link sent to that address. You are responsible for:

• Maintaining the confidentiality of your email account
• All activity that occurs under your account, whether or not authorized by you
• Promptly notifying us if you suspect unauthorized access by emailing hello@carrierrecon.ca
• Ensuring that anyone you allow to access your CarrierRecon account is authorized to view your brokerage's commission and policy data

4. Acceptable use

You agree not to:

• Use CarrierRecon for any unlawful purpose
• Reverse-engineer, decompile, or attempt to extract the source code of the service
• Probe, scan, or test the vulnerability of any system or network beyond what's necessary to use the service as intended (you may report security issues to us in good faith — see hello@carrierrecon.ca)
• Upload content that's not yours to upload, or that infringes any third party's rights
• Upload malware, viruses, or files designed to interfere with the service
• Use the service to send unsolicited communications (spam) — including via the recovery-letter generation feature
• Attempt to access another customer's account or data
• Resell the service, white-label it, or offer it as a service to third parties without a separate written agreement with us

We may suspend or terminate your access immediately if we reasonably believe you're violating these terms or putting the service or other customers at risk. Where possible we'll give you notice and an opportunity to cure first.

5. Your responsibilities as a brokerage

You are responsible for:

• Accuracy of the book of business you upload. Reconciliation results are only as good as the data you give us. If your CSV says a policy's expected commission rate is 12.5% and the actual rate per your carrier contract is 10%, CarrierRecon will flag a discrepancy that isn't there.
• Your relationships with your carriers. CarrierRecon does not replace your carrier contracts, your broker-of-record arrangements, or your ongoing commercial relationship with each carrier. Discrepancy findings are informational; how (or whether) you raise them with a carrier is entirely your call.
• Verifying discrepancies before acting on them. Our reconciliation logic is good but not infallible. A discrepancy flagged by CarrierRecon is a candidate for further investigation, not a definitive finding. Before sending a recovery letter to a carrier, verify the underlying facts.
• Your own privacy and regulatory obligations to your insureds. The book of business you upload likely contains your insureds' personal information. You remain the data controller under PIPEDA; we act as your service provider. Your own privacy commitments to your insureds are your responsibility.
• Compliance with applicable insurance regulations. You're responsible for complying with the regulatory regime in your province (e.g. RIBO in Ontario, AMF in Quebec).

6. Our responsibilities

We commit to:

• Provide CarrierRecon substantially as described on our website and in these Terms
• Maintain reasonable security safeguards proportionate to the sensitivity of the data we process (see Privacy Policy section 8)
• Notify you of material service changes that affect how the product works for you
• Notify you of a security incident affecting your data without unreasonable delay, consistent with applicable breach-notification law
• Respond to your support requests in a reasonable time frame given our scale and current stage

7. Data ownership and license

You own your data. Your book of business, your carrier statements, your reconciliation results, and any audit reports we generate from your data remain your property.

You grant us a limited, non-exclusive, royalty-free license to host, process, and analyze that data solely to provide the service to you, to improve our parsers and reconciliation logic, and to maintain operational security. This license terminates when you delete your account or your data — at which point we delete it from active systems per the schedule in Privacy Policy section 7.

We may use aggregated, de-identified metrics from your usage (e.g. average discrepancies per statement, parser success rates per carrier) to improve the service. We will not share identifiable data about your brokerage with other customers or with third parties for marketing.

8. Fees and billing

CarrierRecon is currently in a launch-cohort phase. The first 20 Canadian brokerages receive a free commission audit. There are no paid tiers active and no fees being charged at this time.

Pricing tiers shown on our website (Starter, Professional, Brokerage Group) are preliminary and indicative only. They do not represent a binding offer.

How fees will work when paid tiers go live:

• You won't be auto-charged. We will never bill you for a paid tier without your explicit action — specifically, clicking "Subscribe" and entering payment details. Receiving a free audit, creating an account, or continuing to use the dashboard never counts as opting into a paid subscription.
• New signups see the price at signup. When paid tiers are active, anyone signing up for one consents to the published fee at that moment.
• Existing paid customers get 30 days' notice before any price increase on the tier they're already on. We won't quietly raise your bill mid-subscription.
• When paid tiers ship, these Terms will be updated with concrete fees, billing cadence (monthly / annual), currency, and a real billing-and-refund section. The general 30-day notice in Section 14 below applies to that update.

Customers may cancel their account at any time. Until paid tiers are active, there are no fees to refund and no cancellation penalties.

9. Disclaimers

CarrierRecon is provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Specifically:

• Reconciliation results are based on the data you provide and the accuracy of our parsers. We don't guarantee that any specific discrepancy is actionable or that you'll recover any specific dollar amount.
• Audit reports and recovery letters are informational. They are not legal advice and don't substitute for review by legal counsel or for direct communication with your carriers.
• We don't guarantee uninterrupted service. We try hard to maintain availability but use shared infrastructure (Vercel, Supabase, Anthropic) that can have outages.
• We don't guarantee that the service will catch every commission error in your statements. We do guarantee that we'll keep improving the parsers.

10. Limitation of liability

To the maximum extent permitted by applicable law:

• Our aggregate liability to you for any claims arising out of or relating to your use of CarrierRecon will not exceed the greater of (a) the total fees you paid us in the 12 months preceding the event giving rise to the claim, or (b) CAD $100
• We are not liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of business, loss of data, or loss of goodwill, even if we've been advised of the possibility of such damages
• These limitations apply whether the claim is based on contract, tort, statute, or any other legal theory

Some jurisdictions don't allow certain liability limitations; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless CarrierRecon and our officers, directors, employees, and agents from any claim, loss, or expense (including reasonable legal fees) arising out of:

• Your use of CarrierRecon in violation of these Terms
• Your violation of any third party's rights (including your insureds' privacy rights or your carriers' contractual rights)
• Your use of CarrierRecon's findings to communicate with your carriers, insureds, or any third party (we provide the analysis; you decide what to do with it)
• Inaccurate data you provided to the service

12. Termination

By you

You can cancel your account at any time from /dashboard/settings. Cancellation takes effect at the end of your current billing period (if paid). You can also permanently delete your account and all associated data — see the "Data & privacy" section of settings. Deletion is irreversible.

By us

We may suspend or terminate your access if:

• You materially breach these Terms and don't cure within 30 days of written notice (or immediately, if cure isn't feasible — e.g. security incident)
• Once paid tiers are active, you fail to pay fees when due and don't cure within 14 days of notice
• Required by law or court order
• We discontinue the service. If we do, we'll give all customers at least 90 days' notice and provide a way to export your data before shutdown.

13. Governing law and disputes

These Terms are governed by the laws of Ontario, Canada, without regard to conflict-of-laws principles. Any disputes that can't be resolved through good-faith discussion within 60 days of written notice will be resolved in the courts of Toronto, Ontario.

Both parties agree to attempt informal resolution before escalating. Email hello@carrierrecon.ca if you have a dispute and we'll work with you in good faith.

14. Changes to these terms

We may update these Terms as the service evolves. For material changes we'll notify you by email at least 30 days before the change takes effect. For non-material changes (typo fixes, clarifications) we may update without notice but will revise the "Last updated" date at the top of this page. Continued use after the effective date constitutes acceptance.

15. Contact

For any question about these Terms, email hello@carrierrecon.ca. A postal mailing address is available on written request to that email (for formal service of legal notice).