Terms of Service.

The website describes Insured OS and provides educational resources and tools for US life and annuity insurance agents. Use the information to evaluate the product and support your own research. The website does not sell or issue insurance, provide individualized professional advice, or create an agent-client relationship. Insured OS is software. It does not provide insurance, legal, tax or compliance advice. Licensed agents are responsible for their recommendations, applications and communications.

Insured OS Core is in a paid pilot by invitation. Joining an interest list does not guarantee pilot admission, a release date or a particular price. Growth, Studio, Recruit, HQ, All Access and the website builder are coming soon. Done-for-you services are waitlist only. Pricing coming soon. This website does not currently accept online payments. Descriptions of planned features and offer structures may change as the products are developed. Any purchase or paid pilot should be governed by the price, scope and terms you receive before agreeing to pay.

Do not attempt to interfere with the website, bypass security, send malicious code, misrepresent who you are, or use the website to violate someone else's privacy or rights. Do not send sensitive client information through this website or its contact email. You remain responsible for checking official sources, your license requirements, your carrier's rules, consent and recording requirements, and the suitability of any software or workflow for your business. Insured OS does not guarantee compliance, income, sales, rankings, carrier approval, rates or returns.

AI can produce incorrect, incomplete or outdated information. Review drafts and verify facts before you use them. Insured OS prepares work for your review and does not replace your professional judgment. The needs calculator is a rough DIME-method estimate from the numbers you enter. It is a conversation starter, not a recommendation, quote or underwriting decision. Its limitations are shown with the results. Do not rely on it as the sole basis for a coverage decision.

A paid Claude plan and a computer are needed for the full Insured OS setup. Claude, CRMs, calendars and other linked services are provided by separate companies under their own terms. Their availability, plans and prices can change. Your use of those services is governed by your agreements with them. Insured OS works inside Claude, the AI assistant made by Anthropic. Insured OS is a product of Cascaide LLC and is not affiliated with or endorsed by Anthropic.

Website materials are provided for your information. You may use free worksheets and tools for their stated purpose in your own work. Do not claim that Insured OS's brand, product or original website materials are yours. Third-party names belong to their owners and do not imply endorsement. We work to keep the website useful and accurate, but do not promise uninterrupted availability or that every page will be free of errors. We may correct or update content and features. These terms do not remove rights or remedies that applicable law does not allow to be excluded.

Contact Cascaide LLC, doing business as Insured OS, at [email protected]. If we update these website terms, we will publish the changed terms here with a revised date. Product purchase terms, when available, will be provided separately before payment.