Welcome to COI Trackr (“COI Trackr,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, platform, and related services (collectively, the “Services”). By creating an account, accessing, or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use our Services.

1. Who We Are

COI Trackr is a cloud-based software platform that helps businesses manage, store, and track Certificates of Insurance (COIs) and other compliance documents. We are not an insurance company, broker, or agent and do not sell, solicit, or negotiate insurance policies.

2. Eligibility

You may use the Services only if:

• You are at least 18 years old.
• You have the legal authority to bind your company or organization (if applicable).
• You comply with these Terms and all applicable laws.

3. Your Account

You are responsible for keeping your account credentials confidential. You are responsible for all activity that occurs under your account. Notify us immediately at support@coitrackr.com if you suspect unauthorized use.

4. Acceptable Use

You agree not to:

• Upload, store, or share false, fraudulent, or misleading documents.
• Use the Services for any unlawful, harmful, or abusive purpose.
• Interfere with the operation of the Services (e.g., hacking, introducing malware).
• Reverse engineer or attempt to access the Services’ source code.

We reserve the right to suspend or terminate accounts that violate these rules.

5. User Content & Data

You retain ownership of the documents and data you upload (“User Content”). You grant COI Trackr a limited, non-exclusive, worldwide, royalty-free license to store, process, and display your User Content solely to operate the Services. You are solely responsible for the accuracy, legality, and compliance of your User Content.

6. Data Security & Privacy

We take commercially reasonable measures to protect your data. However, no system is 100% secure. You acknowledge that you upload and transmit data at your own risk. Our practices are explained in our Privacy Policy.

7. Third-Party Services

Some features may integrate with third-party tools or services. We are not responsible for the content, policies, or performance of these third parties.

8. Service Availability

We strive for 99.9% uptime but do not guarantee uninterrupted service. We may suspend or limit access for maintenance, updates, or security purposes.

9. Disclaimers

The Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied, including but not limited to:

• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of any compliance verification

We do not provide legal or insurance advice. Compliance determinations are for informational purposes only; you are responsible for confirming compliance with all applicable laws, regulations, and contracts.

10. Limitation of Liability

To the maximum extent permitted by law:

• COI Trackr and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages.
• Our total liability for any claim arising from or related to the Services will not exceed the greater of $500 or the amount you paid to us in the 6 months preceding the claim.

Some jurisdictions do not allow these limits - in those cases, they apply only to the extent allowed by law.

11. Indemnification

You agree to defend, indemnify, and hold harmless COI Trackr from any claims, damages, liabilities, or expenses arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any applicable law or third-party rights

12. Intellectual Property

All COI Trackr software, features, designs, logos, and content (excluding User Content) are the exclusive property of COI Trackr or its licensors. You may not copy, modify, distribute, sell, or lease any part of our Services without prior written consent.

13. Termination

We may suspend or terminate your account:

• For any violation of these Terms
• If required by law or a court order
• For inactivity exceeding 12 months

You may close your account at any time by contacting us. Sections 5–15 of these Terms will survive termination.

14. Changes to the Terms

We may update these Terms at any time. Changes will be effective when posted. If we make material changes, we will notify you via email or in-platform notice.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Israel, without regard to its conflict of law principles. For disputes involving U.S.-based customers, the parties agree to resolve the matter through binding arbitration in the State of Delaware, United States, before a single arbitrator, in accordance with the rules of the American Arbitration Association. The language of the proceedings shall be English. Each party shall bear its own costs, except as otherwise determined by the arbitrator.

16. Contact Us

For questions about these Terms, contact:

COI Trackr Legal
Email: support@coitrackr.com
Website: https://www.coitrackr.com

Plain-English Summary for Our Users

We built COI Trackr to make COI and compliance management easier. You own your data, we protect it, and we never sell it. We’re not your insurance company or lawyer, so double-check compliance requirements when it matters. If you play fair and use the platform as intended, you’ll have a smooth experience.