Effective Date: April 1, 2026 · Last Updated: April 1, 2026
These Terms of Use (“Terms”) govern your access to and use of the services provided by Exzeo USA, Inc., by and through its product WindForm Pro (collectively “Company,” “we,” “our”, or “us”). By using our Services, you agree to these Terms. These Terms apply solely to business entities accessing the Services in a commercial capacity and do not create rights for insureds, policyholders, or other third parties. Company may update or modify these Terms at any time. Any such changes are effective upon posting, and continued use of our Services constitutes acceptance of the revised Terms.
Company provides an artificial intelligence-driven platform designed to assist property and casualty insurance carriers (individually, “User” and collectively “Users”) comply with Florida Administrative Code Rule 690-170.0155. Our service utilizes Large Language Models (LLMs) to process User Inputs and generate Outputs (collectively, “Services”).
Users submitting Inputs (defined in Section 3) to Company act as the Data Controller, and Company acts as the Data Processor. The terms “Data Controller” and “Data Processor” are used solely to describe the parties’ roles for purposes of contractual allocation of responsibilities, and do not imply that any additional regulatory obligations are applicable to these Terms. Users determine the purposes of processing personal data, and Company processes such data solely on behalf of and at the direction of Users.
Users retain ownership of the data, text, documents, materials, content, or other information submitted to our Service (collectively, “Inputs”). By providing Inputs, you grant Company a non-exclusive, royalty-free, perpetual, and irrevocable license to use the Inputs for any lawful purpose, including but not limited to, hosting, storing, and processing the Inputs to:
Due to the use of third-party AI platforms to provide the Service, you expressly agree that the Inputs will automatically be treated as non-confidential and non-proprietary. The Company and its Affiliates shall have no obligations with respect to the Inputs.
User represents and warrants that it has obtained, and will maintain throughout the term of the use of our Services, all necessary rights, licenses, consents, and permission required by applicable law (including, but not limited to, the Florida Digital Bill of Rights and the Florida Information Protection Act, and the Gramm-Leach-Bliley Act) to provide Inputs to Company for the purposes of providing our Services.
User is solely responsible for the accuracy, quality, and legality of the Inputs and the means by which User acquired such data. User shall ensure that their privacy policy and any required consumer notices clearly and conspicuously disclose the sharing of Inputs with third-party processors for AI-driven analysis and model improvement.
Company acts solely as a data processor with respect to Inputs submitted by User. Unless caused by Company’s own security failures, Company shall have no liability, and User shall indemnify and hold Company, and its Affiliates1 harmless for any claims, damages, or legal actions that arise from:
1 “Affiliates” means any entity that directly or indirectly controls, is controlled by, or is under common control with Exzeo USA, Inc., including any company or companies holding a controlling interest in Exzeo USA, Inc.