Terms and conditions

1. The service

Coberturia is a management tool for insurance intermediaries: clients, policies, documents, meetings, sales pipeline, tasks and messages, with artificial intelligence features.

Coberturia does not sell insurance, is not an insurer or an intermediary, does not collect premiums and does not handle your clients’ money.

2. Accounts and registration

You must register truthful data and keep it up to date. We verify your email and phone, and validate your ID or tax number according to your country.

A person may only have one free account: an ID, an email and a phone cannot repeat across free accounts. Your credentials are personal; you are responsible for what happens in your account and must tell us right away if you suspect unauthorized use.

3. Organizations and teams

Every account belongs to an organization. In a broker, clients and policies belong to the organization, not to the agent who loaded them: if an agent leaves the broker, the book stays and can be reassigned.

The organization owner invites users, assigns their roles and decides which insurers each agent may use.

4. Plans, prices and payments

We offer a free plan with limits and monthly paid plans at the price published for your country on the pricing page. During launch, a paid plan is activated manually once the payment is confirmed.

Discount coupons apply according to their conditions (percentage, duration and expiry). We will notify any price change at least 30 days in advance. Prices do not include the taxes that apply in your country.

5. Usage limits

Each plan has limits per resource: policies, clients, pages read with AI, transcribed audio minutes, assistant messages and storage. We let you know when you reach 80 % of a limit.

At 100 %, that feature pauses until the next period or until you upgrade your plan. We never delete your data because you reached a limit.

6. Use of artificial intelligence

The AI proposes and you confirm. Document extractions, transcripts, summaries and drafts may contain errors: review them before saving or sending. Nothing is sent to your clients or changed in a policy without your confirmation, except automations you turn on.

We only use AI providers on paid plans that do not train their models with your data.

7. WhatsApp and communications

Coberturia opens WhatsApp with links and suggested messages; it does not automate your WhatsApp account. You are responsible for the content you send and for having your clients’ permission to contact them.

8. Meeting recordings

Before recording a meeting you must inform the participants and obtain their consent. Coberturia reminds you before every recording, but obtaining it is your responsibility.

9. Acceptable use

You may not use Coberturia to send unsolicited messages, load personal data without a legal basis, try to access other organizations’ data, overload or breach the platform, reverse engineer it, or resell the service without a written agreement with SolvyX.

10. Your data and your clients’ data

The data you load is yours and you can export it. Regarding your clients’ data, you are the controller and SolvyX acts as processor, under the Data processing document, which is part of these terms.

11. Availability and support

Our target is 99.5 % monthly availability, with daily backups. We will announce scheduled maintenance in advance. We do not guarantee an uninterrupted or error-free service.

12. Liability

The service is provided as available. SolvyX is not liable for business decisions made on information you did not review, nor for the content you load or send.

To the extent permitted by law, SolvyX’s total liability is limited to the amount you paid for the service in the 12 months before the event that gives rise to it. [Cap pending legal review].

13. Suspension and account closure

You can close your account at any time. We may suspend it if you breach these terms, if we detect fraud (for example, duplicate free accounts) or for non-payment.

When an account is closed or suspended, you have 30 days to export your data; after that we delete it, except what we must keep by law.

14. Changes to these terms

If we change these terms, we will notify you by email and inside the app at least 15 days in advance. If you disagree, you can close your account before the change takes effect.

15. Governing law

These terms are governed by the laws of the Republic of Ecuador. Disputes will first be submitted to mediation; failing that, the courts of [city pending] will have jurisdiction.

16. Contact

For any question about these terms, write to us from the contact page or at [legal email pending].