DRAFT. NOT REVIEWED BY A LAWYER. Requires legal review before publication. Placeholders are shown as [BRACKETS].

Terms of Service

Effective [DATE]. These terms are between you and [LEGAL ENTITY NAME], 3104 N Armenia Ave, Ste 2, Tampa, FL 33607.

1. Not insurance or legal advice

The service compares data you provide against requirements you set. It is informational only. It is not insurance, legal, or risk-management advice, and it is not a substitute for reviewing the policies and endorsements themselves. A certificate of insurance, including a ticked “additional insured” box, does not prove that coverage or an endorsement exists, and it does not amend, extend or alter any policy. Verify coverage with the issuing agent or carrier.

2. Your responsibilities

You are responsible for your contractual insurance requirements, compliance decisions, and the accuracy of the data you enter. Only upload data you are authorized to share.

3. Founding pre-order, billing and refunds

3.1 Charges. When you pre-order, your payment method is charged $49.00 USD immediately and then $49.00 every month on the same day, through Stripe, until you cancel. The founding price is available to anyone who pre-orders before the Launch Date (defined in 3.2), with no limit on the number of founding customers, and it stays the same for as long as your subscription is continuously active. [SALES TAX, IF APPLICABLE, TO BE CONFIRMED BY COUNSEL.]

3.2 Launch commitment. The service is in development. We intend to make the core service (subcontractor upload links, certificate review and the expiration dashboard) available to founding customers by January 31, 2027 (the "Launch Date"). "Launch" means founding customers can log in and use those core features.

3.3 Refund if not launched. If we have not launched by the Launch Date, we will refund all charges you have paid, in full and without you having to ask, within 10 business days after the Launch Date. We will stop all further charges.

3.4 Refunds before launch on request. At any time before launch, you may request a full refund of all charges paid by emailing carlos@getcoisweep.com from the email address used at checkout (or by replying to your Stripe receipt). We will issue the refund to the original payment method within 5 business days of your request and cancel your subscription. Your bank may take additional days to post it.

3.5 Cancel anytime. You may cancel at any time by emailing carlos@getcoisweep.com or by using the billing link in your receipt [Stripe customer portal, TO BE ENABLED]. Cancellation stops future charges immediately. After launch, charges already paid for the current month are [not refundable / prorated, TO BE DECIDED], except as required by law.

3.6 Changes. If the Launch Date changes, we will email you before the original date and offer an immediate full refund. A delay never takes away your refund right under 3.3 unless you expressly agree to the new date.

4. No warranty; limitation of liability

THE SERVICE IS PROVIDED “AS IS”. [LIMITATION OF LIABILITY CLAUSE, e.g. capped at fees paid in the prior 12 months, TO BE DRAFTED BY COUNSEL.]

5. Acceptable use

No abuse, scraping, or attempts to overload the service (requests are rate limited).

6. Governing law

[STATE], [VENUE].

7. Contact

carlos@getcoisweep.com