Terms of Use
Effective: 1st March 2025
These Terms of Use (“Terms”) apply to your use of Life & Provide Limited’s (“Life & Provide”) services which consists of Life & Provide’s consumer mobile app that allows consumers use AI tools to interact, organize and search their insurance documents in order to generate a Response Output (defined below) together with any associated software applications, technology and websites (“Services”), including personal, non-commercial use of our Services by you. You form a contract with us when you confirm that you accept these Terms or when you otherwise use the Services.
By using the Services you acknowledge and agree to the disclaimers and the Terms set out below. If you do not agree to the Terms, you should not use the Services. We may change, modify, add or remove portions of the Terms at any time. You should check the Terms periodically for changes as by using the Services you are agreeing to accept any changes made prior to the use of the Services, whether or not you have reviewed such changes.
Our Privacy Policy explains how we collect and use personal information. Although it does not form part of these Terms, it is an important document that you should read.
Who we are
Life & Provide is an Irish registered company (company registration number: 688587).
Registration and access
Registration. You must provide accurate and complete information to register for an account to use our Services. You may not share your account credentials or make your account available to anyone else and are responsible for all activities that occur under your account. If you create an account or use the Services on behalf of another person or entity, you must have the authority to accept these Terms on their behalf.
Using our Services
What you can do. Subject to your compliance with these Terms, you may access and use our Services. In using our Services, you must comply with all applicable laws.
What you cannot do. You may not use our Services for any illegal, harmful, or abusive activity. For example, you are prohibited from:
Using our Services in a way that infringes, misappropriates or violates anyone’s rights;
Modifying, copying, leasing, selling or distributing any of our Services;
Attempting to or assisting anyone to reverse engineer, decompile or discover the source code or underlying components of our Services, including our models, algorithms, or systems (except to the extent this restriction is prohibited by applicable law);
Automatically or programmatically extracting data or Response Output (defined below);
Representing that Response Output was human-generated when it was not;
Interfering with or disrupting our Services, including circumventing any rate limits or restrictions or bypassing any protective measures or safety mitigations we put on our Services; and / or
Using Response Output to develop models that compete with the Services.
Software. Our Services may allow you to download software, such as mobile applications, which may update automatically to ensure you’re using the latest version. Our software may include open source software that is governed by its own licences that we’ve made available to you.
Third party Services. Our Services may include third party software, products, or services, (“Third Party Services”) and some parts of our Services, like our browse feature, may include output from those services (“Third Party Output”). Third Party Services and Third Party Output are subject to their own terms, and we are not responsible for them.
Feedback. We appreciate your feedback about our Services, but you agree that we may use it to provide, maintain, develop, and improve our Services, without compensation to you.
Data
Your data. You may provide input to the Services (“User Input”), and receive output from the Services based on the User Input (“Response Output”). User Input and Response Output are collectively “Data”. You are responsible for Data, including ensuring that it does not violate any applicable law or these Terms. You represent and warrant that you have all rights, licences, and permissions needed to provide User Input to our Services.
Ownership of data. As between you and Life & Provide, and to the extent permitted by applicable law, you (a) retain your ownership rights in User Input; and (b) hold a revocable license to use the Response Output. You hereby assign to Life & Provide all our right, title, and interest, if any, in and to Response Output.
Similarity of data. Due to the nature of our Services and artificial intelligence generally, Response Output may not be unique and other users may receive similar output from our Services. Our license above does not extend to other users’ output or any Third Party Output.
Our use of data. We can use your data worldwide to provide, maintain, develop, and improve our Services, comply with applicable law, enforce our terms and policies and keep our Services safe.
Accuracy. When you use our Services you agree:
Response Output may not always be accurate. You should not rely on Response Output from our Services as a sole source of truth or factual information, or as a substitute for professional advice.
You must evaluate Response Output for accuracy and appropriateness for your use case, including using human review as appropriate, before using Response Output from the Services.
Our Services may provide incomplete, incorrect, or offensive Response Output that does not represent Life & Provide’s views. If Response Output references any third party products or services, it doesn’t mean the third party endorses or is affiliated with Life & Provide.
Intellectual Property Rights
Life & Provide owns all rights, title, and interest in and to the Services. Software designed by Life & Provide along with the created text, templates, scripts, graphics, interactive features and any trademarks, service marks and logos contained therein, are owned by or licensed to Life & Provide, subject to copyright and other intellectual property rights under applicable laws and international conventions. Life & Provide reserves all rights not expressly granted in and to the Services.
Termination and suspension
Your rights. You can stop using our Services and end your relationship with Life & Provide at any time by simply closing your account and stopping your use of the Services.
Life & Provide rights. We may take action to suspend or terminate your access to our Services or close your account if we determine, acting reasonably and objectively:
You breached these Terms;
We must do so to comply with the law;
Your use of our Services could cause risk or harm to Life & Provide, our users or anyone else;
Your account has been inactive for over a year.
Notice. If we terminate your account, we will make reasonable efforts to notify you in advance so you can export your data from the Services, unless it is not appropriate for us to do so, we reasonably believe that continued access to your account will cause damage to us or anyone else, or we are legally prohibited from doing so.
Appeals. If you believe we have suspended or terminated your account in error, you can file an appeal with us by contacting support@lifeandprovide.com .
Life & Provide’s Liability
Representations and Warranties. The Services are to be used, and are offered, "AS-IS", including any bugs, errors or other issues whether technical or otherwise. You acknowledge and agree that by using the Services you may not obtain the service and / or product you are searching for. We expressly disclaim all warranties whether expressed or implied. In the event of any problem with the Services, you agree that your only remedy is to discontinue using the Services.
Limitation of Liability. Please note that in no circumstances will we or our officers, directors, employees or agents be liable to you for any direct, indirect, special, incidental, punitive or consequences damages or losses howsoever arising from: (i) your use or inability to use the Services; (ii) any personal injury or property damage to and use of the Services or any error, mistake or inaccuracies that may arise due to use or inability to use the Services; (iii) any interruption, misinformation, incomplete information or cessation of transmission to or from software to you; (iv) any bugs, viruses, trojan horses or similar code or software, which may be transmitted to or through the Services by any third party; (iv) any failure of any third party information, including any failures or disruptions whether intentional or unintentional; or (vi) any errors or omissions in the Services for any loss or damage of any kind incurred as a result of the use of the Services. The foregoing limitation of liability will apply to the fullest extent permitted by law.
General terms
Assignment. You may not assign or transfer any rights or obligations under these Terms. We may assign or transfer our rights or obligations under these Terms to any affiliate or subsidiary or any successor in interest of any business associated with our Services. If we do, any rights you have as a consumer will not be affected. If you are not satisfied, you have the right to terminate your relationship with us and stop using our Services at any time.
Changes to these Terms or our Services. We may update these Terms or our Services accordingly from time to time. For example, we may make changes to these Terms or the Services due to:
Changes to the law or regulatory requirements;
Security or safety reasons;
Circumstances beyond our reasonable control;
Changes we make in the usual course of developing our Services; and / or
To adapt to new technologies.
We will give you at least 30 days advance notice of changes that materially adversely impact you and the date that they will come into force either via email or an in-product notification. Any changes will only apply to our relationship going forward. If you do not agree to the changes, you must stop using our Services.
Severability. In the event that a provision of these Terms is found to be unlawful, conflicting with another provision of any other terms and conditions, or otherwise unenforceable, these Terms will remain in force as though they had been entered into without that unenforceable provision being included in it. If two or more provisions of these Terms are deemed to conflict with each other’s operation, we will have the sole right to elect which provision remains in force.
Non-Waiver. We reserve all rights permitted to us under these Terms as well as under the provisions of any applicable law. Our non-enforcement of any particular provision or provisions of these Terms or any applicable law should not be construed as our waiver of the right to enforce that same provision under the same or different circumstances at any time in the future.
Entire Agreement. These Terms and any document expressly referred to in it constitutes the whole agreement between you and supersedes and replaces any previous arrangement, understanding or agreement between you and us relating to the subject matter of these Terms.
Governing Law and Jurisdiction. All matters relating to the Services and the Terms and any dispute or claim arising under or relating to the Services or the Terms, shall be governed by and construed in accordance with the laws of Ireland and shall be subject to the exclusive jurisdiction of the Irish courts except if you are resident in the UK. If you are a UK resident all matters relating to the Services and the Terms and any dispute or claim arising under or relating to the Services or the Terms, shall be governed by and construed in accordance with the laws of England and Wales and shall be subject to the exclusive jurisdiction of the English courts.