Acceptable Use Policy

1. Purpose

This Acceptable Use Policy (“AUP”) defines the permitted and prohibited uses of PolisAgent. This AUP supplements our Terms of Service and applies to all users of the Platform.

2. Permitted Uses

• Submission preparation and data entry automation for commercial insurance applications
• Policy document comparison and verification against bound specifications
• Certificate of Insurance generation from verified policy data
• Renewal timeline tracking and workflow management
• Carrier appetite data review (with agent-driven carrier selection)
• AI-assisted research and analysis with licensed agent verification
• E&O documentation and compliance record-keeping

3. Prohibited Uses

The following activities are strictly prohibited:

3.1 Insurance Regulatory Violations

• Automated binding: Using the Platform to bind coverage without a licensed agent's independent review and approval
• Direct coverage recommendations to insureds: Presenting AI-generated outputs as professional insurance advice to policyholders or applicants
• Unlicensed solicitation: Using the Platform to solicit, negotiate, or sell insurance without proper licensure
• Bypassing human-in-the-loop: Circumventing or automating around agent review and approval mechanisms

3.2 Data and Security Violations

• Data scraping: Systematically extracting data from the Platform by automated means
• Reverse engineering: Attempting to derive source code, algorithms, or underlying AI models
• Credential sharing: Sharing login credentials with unauthorized individuals
• Data exfiltration: Unauthorized bulk export or transfer of customer or NPI data
• Security testing: Conducting unauthorized penetration testing, vulnerability scanning, or load testing

3.3 AI Misuse

• Prompt injection: Attempting to override AI safety controls, system prompts, or compliance guardrails
• Misrepresentation: Presenting AI-generated content as human-authored professional advice
• Discriminatory use: Using AI features to discriminate in insurance underwriting, pricing, or claims handling

4. Enforcement

Violations of this AUP may result in:

• Warning and request for corrective action
• Temporary suspension of Platform access
• Permanent termination of account
• Reporting to applicable regulatory authorities

5. Reporting Violations

To report a suspected AUP violation, contact compliance@polisagent.com.