Terms of service
These terms govern the use of Certova. Where an agency has signed an order form or a master agreement with us, that signed document governs and these terms fill the gaps it leaves. Nothing here is meant to be a surprise later: if a clause would only ever be read after a dispute has started, we would rather it be legible now.
Last updated August 25, 2026. We post the date every time the text changes, and we tell account owners by email before a change that narrows their rights takes effect.
What Certova is, and is not
The most expensive misunderstanding in this category is about who is responsible for the advice. So it goes first.
Software, not an agency
Certova is software. We are not an insurance agency, not a broker, not a carrier and not a producer of record, and nothing the product outputs is advice about coverage. The licensed agency using it remains responsible for what is placed, what is advised and what is issued under its licence.
A draft until a human approves it
Everything the AI produces is a draft. A certificate, an endorsement request, a client reply or a policy change reaches a record only after a licensed human approves it, and that boundary is enforced by the database rather than by a setting. There is no administrator mode, no integration and no API route that writes around it.
We check; you still review
Because the drafts are drafts, the agency reviews them. We build the checks that catch the known failure — wording that the policy does not support, a requirement the coverage does not meet — and we show our working. We do not thereby become the reviewer of last resort for an approval a person clicked through.
Your licences, your data rights
You are responsible for holding the licences and appointments your work requires, for the accuracy of what you load, and for having the right to load it — including consent for the contacts you message. We build the tooling that makes those obligations tractable; we do not assume them.
The commercial terms
The price is published rather than quoted. These are the mechanics behind it.
Fees and seats
A platform fee plus a price per licensed seat, billed monthly in advance. Seat changes take effect on the next period and are prorated. The price and what it includes are published on the pricing page rather than kept behind a sales call, and any charge that is not on that page is not a charge you will see.
If an invoice goes unpaid
An invoice that goes unpaid gets a sequence of notices before anything is restricted, and restriction means losing write access rather than losing sight of the book. We do not hold an agency's records hostage over an unpaid bill: the export stays available.
Leaving, and what follows
The agreement runs month to month. Either side can end it with thirty days' written notice, and there is no minimum term, no auto-renewing year and no early-termination fee — the same terms the pricing page publishes, stated here because a promise made in marketing and absent from the contract is not a promise. On termination you get the same complete export you could have taken at any point during the term, at no charge, and after the wind-down window we delete what no retention obligation requires us to keep.
Ownership stays with you
Your data is yours. We claim no ownership of the accounts, policies, documents or messages you load, and we acquire no licence to use them beyond running the service for you and meeting the obligations the law puts on us.
It does not train models
We do not use your data, or anything derived from it that could identify you or your clients, to train or fine-tune machine learning models — ours or a provider's — and we require the same of the model providers we route through. This is a term of the agreement, not a setting, so it does not change when a provider's default does.
Availability, changes and liability
We aim for the service to be there when you need it, and where an order form states a service level, that number is the commitment. Planned maintenance is announced in advance and scheduled away from the hours when an agency is issuing. We will not promise an availability figure on a marketing page that the contract does not also carry.
The product changes continuously. Features are added and improved without notice; a change that removes something you depend on, or that narrows your rights under these terms, is announced to account owners before it takes effect. Continuing to use the service after that notice is acceptance of the change.
Liability between us is limited as set out in the signed agreement, and neither side is liable for indirect or consequential loss. Nothing in these terms limits liability that the law does not permit to be limited — including for fraud. If a claim arises, the governing law and venue are those named in the signed agreement.
Questions before signing
- Is the data export really free, including when we leave?
- Yes. The export is free, complete and available on demand for the whole term, and the right to it is written into the agreement rather than granted as a courtesy — which is what makes it enforceable rather than a promise on a web page.
- Can we switch off the approval step to move faster?
- No. Approval is structural, not configurable. There is no plan, no setting and no integration that lets an agent write to a policy or issue a certificate without a licensed person approving it — which also means nobody can turn it off under deadline pressure.
- Who controls our clients' data — you or us?
- The agency does, and the agreement says so. We are the service provider executing your instructions, which is the arrangement your own clients and your E&O carrier expect to see described that way.