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Terms & Conditions

Effective 9 June 2026 · Last updated 21 June 2026

Effective date: 9 June 2026 Last updated: 21 June 2026

In plain language: InsuredIn is software that helps insurance brokers manage and share policy documents with their clients. It is provided by IVS Digital Limited. We are a technology company only — we are not an insurance broker or financial adviser, we don't give insurance or financial advice, and the information you see in a portal comes from your own broker, not from us. By using InsuredIn, you agree to these Terms.

1. About these Terms

1.1 These Terms & Conditions ("Terms") are a legal agreement between you and IVS Digital Limited (NZBN 9429052933127), a New Zealand company ("IVS Digital", "we", "us" or "our"), and govern your access to and use of the InsuredIn software platform and portals (the "Platform" or "InsuredIn").

1.2 InsuredIn is hosted across the following sites: our marketing site at insuredin.app; the broker application at portal.insuredin.app; and a white-label client portal provided to each Broker at {slug}.insuredin.app.

1.3 By accessing or using InsuredIn — including by registering an account, accepting an invitation, forwarding documents to an InsuredIn email address, or logging in to a portal — you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

1.4 If you are agreeing to these Terms on behalf of a company, firm or other organisation (for example, as an employee or authorised representative of a Broker), you confirm that you have authority to bind that organisation, and "you" and "your" include that organisation.

1.5 Your use of the Platform is also governed by our Privacy Policy, which explains how we and your Broker handle Personal Information. The Privacy Policy is incorporated into these Terms by reference.

2. Definitions

In these Terms, capitalised words have the meanings given below. Other capitalised words are defined where they first appear.

  • "Broker" means a business that subscribes to the Platform — an insurance broker or brokerage.
  • "Client" (also referred to as an "Authorised User") means an individual whom a Broker invites to access that Broker's client portal — typically a policyholder of that Broker.
  • "DPA" means our Data Processing Agreement (referred to in clause 8.5), which governs our processing of Client Personal Information on a Broker's behalf and forms part of these Terms for Brokers.
  • "InsuredIn" or the "Platform" means the InsuredIn software platform and portals provided by IVS Digital, including the marketing site, the broker application and each white-label client portal.
  • "IVS Digital", "we", "us" or "our" means IVS Digital Limited.
  • "Personal Information" means personal information as defined in the New Zealand Privacy Act 2020, and (for individuals in Australia) "personal information" as defined under the Australian Privacy Principles in the Privacy Act 1988 (Cth).
  • "Privacy Policy" means our privacy policy published at insuredin.app, as updated from time to time.
  • "you" or "your" means the person agreeing to these Terms — a Broker or a Client, as the context requires.

In these Terms, "including" and "for example" are not words of limitation.

3. What InsuredIn is — and what it is not

This section is important. Please read it carefully.

3.1 InsuredIn is software only. IVS Digital provides InsuredIn as a software and technology platform. We supply tools that help Brokers receive, organise, review and share insurance documents and policy information with their Clients.

3.2 We are not a broker or a financial adviser. IVS Digital is not an insurance broker, not a financial adviser, and not a provider of regulated financial advice or any financial service. We do not provide insurance, arrange insurance, or handle insurance premiums or client funds.

3.3 Your Broker is the regulated party. Brokers are the regulated financial advice providers. Brokers are responsible for their own financial advice and conduct, and for their own compliance with all laws that apply to them — including New Zealand's financial markets and conduct laws (such as the conduct of financial institutions regime and the Financial Markets Conduct Act 2013) and oversight by the Financial Markets Authority. IVS Digital has no role in, and accepts no responsibility for, a Broker's financial advice, regulatory compliance, or relationships with its Clients.

3.4 Information in a portal comes from your Broker — not from us. Any information shown to a Client in a portal is provided, reviewed and verified by that Client's own Broker. It is not financial advice, insurance advice, or a recommendation from IVS Digital, and we are not responsible for its accuracy or for any reliance placed on it. Clients should direct any questions about their policies, cover, premiums or claims to their Broker.

3.5 AI extraction may contain errors. InsuredIn uses artificial intelligence to assist with reading and extracting data from insurance documents (see section 6). This process may contain errors, omissions or inaccuracies. We do not warrant the accuracy, completeness or currency of any extracted or displayed content. The Broker is responsible for reviewing and verifying all extracted data before it is made visible to Clients.

4. Eligibility, accounts and security

4.1 Eligibility. To use InsuredIn you must be at least 18 years old and able to form a legally binding contract. Brokers must be a lawfully operating insurance broker or brokerage. Clients must have been invited by a Broker.

4.2 Broker registration. A Broker registers for an account by subscribing to the Platform. Each Broker account is a single tenant: one Broker per account. The Broker is allocated a white-label client portal at a subdomain in the form {slug}.insuredin.app. You may not register or operate more than one tenant under a single subscription except as we expressly permit.

4.3 Client invitation. Clients do not register independently. A Client gains access only when invited by a Broker to that Broker's client portal, and can access only the information that Broker makes available to them.

4.4 Account security. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. You must notify us promptly at legal@insuredin.app if you become aware of any unauthorised access to or use of your account. We are not liable for any loss arising from your failure to keep your credentials secure.

4.5 Accurate information. You must provide accurate, current and complete information when registering or using the Platform, and keep it up to date.

4.6 Suspension for security. We may suspend or restrict access to an account where we reasonably believe it is necessary to protect the security or integrity of the Platform or other users.

4.7 Authorised users (Broker teams). A Broker may authorise one or more individuals (its employees or representatives) to access the Platform under the Broker's account, subject to any user limits in the Broker's plan and to the access roles we make available (for example, full or read-only access). The Broker is responsible for managing its users, for ensuring each is authorised, and for all acts and omissions of its users as if they were the Broker's own. The Broker must promptly remove access for any user who should no longer have it.

5. Broker subscriptions, fees and billing

This section applies to Brokers only. Clients are never charged by IVS Digital for access to a portal.

5.1 Subscription plans. Brokers subscribe to the Platform on a recurring basis under one of our tiered plans. The fees, features and limits for your plan are those set out at sign-up or on our pricing page at the time you subscribe.

5.2 Payment via Stripe. Subscription fees and card payments are processed by our payment provider, Stripe. By subscribing, you authorise us (through Stripe) to charge your nominated payment method for all fees due. You must keep your payment details current.

5.3 GST. Fees are stated exclusive of GST unless otherwise indicated. New Zealand GST is charged in addition to the fees where applicable, and we will issue a GST invoice or receipt.

5.4 Billing cycle and auto-renewal. Subscriptions are billed in advance for each billing period (for example, monthly or annually, as selected). Your subscription renews automatically at the end of each billing period at the then-current fees, until cancelled in accordance with these Terms.

5.5 Price changes. We may change our fees or plans. We will give you reasonable notice before a price change takes effect, and the change will apply from your next billing period after the notice period. If you do not accept a price change, you may cancel before it takes effect.

5.6 Cancellation. You may cancel your subscription at any time, with effect from the end of your current billing period. Unless required by law, fees already paid are non-refundable and you will retain access until the end of the period you have paid for.

5.7 Non-payment, suspension and termination. If a payment fails or fees remain unpaid, we may suspend or terminate your access to the Platform after giving you reasonable notice and an opportunity to pay. Suspension does not relieve you of your obligation to pay outstanding fees.

5.8 Taxes generally. You are responsible for any taxes, duties or levies imposed on your use of the Platform, other than taxes on our income.

5.9 Service, support and availability. We will use commercially reasonable efforts to keep the Platform available and to provide support to Brokers through the channels we make available (such as legal@insuredin.app or in-Platform support). We do not commit to any specific uptime, availability or support-response level unless we have separately agreed one with you in writing. We may carry out maintenance and may suspend access temporarily where reasonably necessary for maintenance, security, or to protect the Platform or its users; where practicable we will give Brokers advance notice of planned maintenance likely to cause material disruption.

5.10 Plan limits and fair use. Each plan may include usage limits (for example, on the number of users, Clients, documents or AI-assisted extractions). We may meter usage. Where a Broker exceeds the limits of its plan, we may ask the Broker to upgrade, apply additional charges notified to the Broker in advance, or apply reasonable rate or volume limits. We will not apply additional usage charges without prior notice.

6. AI-assisted document processing

6.1 How it works. Brokers forward or BCC policy documents to an InsuredIn email address. The Platform uses an AI service to extract metadata and structured information from those documents (for example, policy details, names and contact details, risk items, invoices, excesses, cover sections and claims information). The Broker then reviews the extracted information, and only documents the Broker approves become visible to the relevant Client in their portal.

6.2 Extraction may be wrong. AI extraction is probabilistic and may produce errors, omissions or inaccuracies. We do not warrant that any extracted or displayed information is accurate, complete or current.

6.3 Broker must review and verify. The Broker is solely responsible for reviewing and verifying all extracted data before it is shown to any Client. By approving a document or its extracted data, the Broker confirms it has carried out that review. IVS Digital is not responsible for any extracted or displayed content, or for any decision made or action taken in reliance on it.

6.4 Sub-processing. AI extraction and certain other functions are carried out by third-party service providers — some located in New Zealand or Australia, and some in the United States — under contractual safeguards. Details of how Personal Information is handled and a list of our sub-processors are set out in our Privacy Policy.

7. Acceptable use

7.1 You must not, and must not permit any other person to:

(a) use the Platform for any unlawful, fraudulent, harmful or infringing purpose, or to store or transmit unlawful, defamatory, infringing or malicious content;

(b) upload, forward or process any information (including any Personal Information of a Client or other individual) without the authority and consent required to do so;

(c) attempt to access, interfere with, or compromise the multi-tenant isolation of the Platform, or access data belonging to another Broker or its Clients;

(d) probe, scan, circumvent or test the vulnerability of the Platform or its security, or breach or bypass any authentication or access controls;

(e) copy, scrape, harvest or extract data from the Platform other than data you are authorised to access, or use any automated means to do so beyond functionality we provide;

(f) reverse engineer, decompile or disassemble any part of the Platform, or attempt to derive its source code, except to the extent this restriction is prohibited by law;

(g) resell, sublicense or make the Platform available to any third party except as expressly permitted (a Broker providing portal access to its own Clients is permitted); or

(h) introduce any virus, malware or harmful code, or use the Platform in a way that damages, disables, overburdens or impairs it.

7.2 We may investigate suspected breaches of this section and may suspend or terminate access where we reasonably consider it necessary.

8. Broker obligations, data ownership and indemnity

8.1 Authority and consent. The Broker warrants that it has all necessary authority, rights and consents to collect, upload, forward and process the Client information it puts into the Platform, and to make that information available to its Clients through their portals.

8.2 The Broker is the agency. As between the Broker and IVS Digital, the Broker is the agency (and "controller") of the Client Personal Information it holds in the Platform. IVS Digital holds and processes that information on the Broker's behalf as the Broker's service provider, in accordance with these Terms and our Privacy Policy. The Broker is responsible for the lawfulness of its collection and use of that information and for meeting its own privacy and notification obligations to its Clients.

8.3 Broker responsible for its own advice and compliance. The Broker is solely responsible for its own financial advice, conduct, disclosures and regulatory compliance, and for the accuracy and verification of the information it makes available to Clients (see sections 3 and 6).

8.4 Indemnity. The Broker indemnifies IVS Digital, and its directors, employees and agents, against all loss, liability, cost and expense (including reasonable legal costs) arising out of or in connection with:

(a) the Client information or other content the Broker uploads, forwards or processes through the Platform;

(b) the Broker's financial advice, conduct or regulatory non-compliance;

(c) the Broker's breach of these Terms or of any law (including privacy law); or

(d) any claim by a Client or other third party relating to the matters in (a) to (c).

This indemnity survives termination of these Terms.

8.5 Data Processing Agreement. Because IVS Digital processes Client Personal Information on the Broker's behalf (clause 8.2), that processing is also governed by our Data Processing Agreement ("DPA"), which forms part of these Terms for Brokers and is incorporated by reference. The DPA sets out, among other things, the scope, nature and purpose of our processing; the security measures we apply; our use of sub-processors and how we notify the Broker of changes to them; how we assist the Broker with individuals' access and correction requests; how we notify the Broker of any Personal Information breach affecting that Broker's Clients; and how Client Personal Information is returned or deleted at the end of the Broker's subscription. The current DPA is published at insuredin.app/dpa and is also available on request from legal@insuredin.app. To the extent of any inconsistency between the DPA and the rest of these Terms in relation to the processing of Client Personal Information, the DPA prevails.

9. Intellectual property

9.1 Our IP. The Platform, and all intellectual property rights in it — including its software, design, structure, branding, and the InsuredIn name and logos — are owned by IVS Digital or our licensors. Nothing in these Terms transfers any of those rights to you.

9.2 Licence to you. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for its intended purpose for the duration of your subscription (for Brokers) or invitation (for Clients).

9.3 Your data. As between you and us, you (or, for Client information, the relevant Broker and its Clients) retain ownership of the data you put into or generate through the Platform ("Your Data"). You grant us a non-exclusive licence to host, process, transmit and display Your Data to the extent necessary to provide, secure, maintain and support the Platform and to comply with our legal obligations. We will not use Your Data to train artificial intelligence or machine-learning models, except on data that has been de-identified or aggregated so it no longer identifies any individual, or where you have given consent.

9.4 Feedback. If you give us suggestions or feedback about the Platform, you grant us a perpetual, irrevocable, royalty-free licence to use it without restriction or obligation to you.

9.5 Attribution ("Powered by InsuredIn"). The client portal is white-labelled with each Broker's branding. Despite that, IVS Digital may include a discreet "Powered by InsuredIn" credit (which may link to insuredin.app, where these Terms and our Privacy Policy are published) and the InsuredIn logo in the client portal and in Client-facing communications (including emails), and may identify InsuredIn in Broker-facing communications. You must not remove, obscure or alter that attribution without our prior written consent.

9.6 Customer reference. We may identify a Broker as a customer of InsuredIn (including by name and logo) in our marketing and on our website, unless the Broker tells us in writing at legal@insuredin.app that it does not consent, in which case we will stop using the Broker's name and logo for that purpose within a reasonable time. This clause does not permit either party to disclose the other's Confidential Information except as allowed under section 9A.

9A. Confidentiality

9A.1 Confidential Information. "Confidential Information" means non-public information disclosed by one party (the "discloser") to the other (the "recipient") that is identified as confidential or that a reasonable person would understand to be confidential — including the Platform's non-public features and pricing, a Broker's non-public business information, and (as between the parties) Your Data. Client Personal Information is also Confidential Information and is additionally governed by clause 8.2, our Privacy Policy and the DPA.

9A.2 Obligations. The recipient must keep the discloser's Confidential Information confidential, use it only to exercise its rights and perform its obligations under these Terms, and disclose it only to its personnel, contractors or advisers who need it and who are bound by confidentiality obligations at least as protective as these. Each party must protect the other's Confidential Information using at least reasonable care.

9A.3 Exclusions. Confidential Information does not include information that is or becomes public through no breach of these Terms; was lawfully known to the recipient without obligation before disclosure; is lawfully received from a third party without restriction; or is independently developed without use of the discloser's Confidential Information.

9A.4 Compelled disclosure. The recipient may disclose Confidential Information to the extent required by law, a court or a regulator, provided that (where lawful and practicable) it first gives the discloser reasonable notice so the discloser can seek protective measures.

9A.5 Survival. This section survives termination of these Terms.

10. Disclaimers and limitation of liability

10.1 Platform provided "as is". To the maximum extent permitted by law, and subject to clause 10.4, the Platform is provided on an "as is" and "as available" basis. We do not warrant that it will be uninterrupted, error-free or secure, or that any extracted or displayed content is accurate, complete or current. We exclude all warranties, terms and conditions not expressly set out in these Terms to the extent permitted by law.

10.2 Exclusion of certain loss. To the maximum extent permitted by law, we are not liable for any indirect, consequential, special or incidental loss, or for any loss of profits, revenue, goodwill or data, however arising and whether or not foreseeable, in connection with the Platform or these Terms.

10.3 Liability cap. Subject to clauses 10.4 and 10.4A, our total aggregate liability arising out of or in connection with the Platform and these Terms (whether in contract, tort (including negligence), under statute or otherwise) is limited to the greater of:

(a) the total subscription fees paid by the relevant Broker to IVS Digital in the 12 months before the event giving rise to the claim; or

(b) NZ$100.

10.4 Consumer law — New Zealand. Nothing in these Terms limits or excludes any right or remedy you may have under the Consumer Guarantees Act 1993 ("CGA") or the Fair Trading Act 1986 ("FTA") that cannot lawfully be limited or excluded. The limitations and exclusions in clauses 10.1 to 10.3 apply only to the extent permitted by those Acts.

10.4A Consumer law — Australia. If you are a consumer in Australia, nothing in these Terms excludes, restricts or modifies any consumer guarantee, right or remedy under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) that cannot lawfully be excluded, restricted or modified.

10.5 Business use — contracting out. Where a Broker acquires or uses the Platform for the purposes of a business, the parties agree that:

(a) the CGA does not apply (contracting out under section 43 of the CGA); and

(b) sections 9, 12A, 13 and 14(1) of the FTA do not apply (contracting out under section 5D of the FTA),

and the parties acknowledge that it is fair and reasonable that they be bound by this clause, given the commercial nature of the agreement and the parties' ability to assess and manage their own risks. This clause 10.5 does not apply to a Client who is a consumer.

11. Suspension, termination and exit

11.1 Termination by you. A Broker may terminate by cancelling its subscription (see section 5). A Client's access ends when their Broker removes their access or when the Broker's account ends.

11.2 Termination or suspension by us. We may suspend or terminate your access to the Platform, on notice where practicable, if you materially breach these Terms (including non-payment or breach of section 7), if required by law, or if continuing to provide the Platform to you would expose us or other users to material risk.

11.3 Effect of termination. On termination, your licence to use the Platform ends and you must stop using it. Termination does not affect any rights or obligations that accrued before it, including any unpaid fees and the indemnity in section 8.

11.4 Data export. Before or within a reasonable period after termination, a Broker may request an export of Your Data in a commonly used format, and we will provide it on reasonable terms, provided the Broker's account is in good standing.

11.5 Deletion and retention. Following termination, we will retain, de-identify or delete Personal Information in accordance with our Privacy Policy and applicable law. After the retention period and any export window, we may permanently delete Your Data.

12. Changes to these Terms

12.1 We may update these Terms from time to time. If we make a material change, we will give you reasonable notice — for example, by email or through the Platform — before it takes effect. The "Last updated" date at the top shows when these Terms were last changed.

12.2 Your continued use of the Platform after a change takes effect means you accept the updated Terms. If you do not accept a change, you must stop using the Platform and (for Brokers) may cancel your subscription before the change takes effect.

13. General

13.1 Governing law. These Terms are governed by the laws of New Zealand.

13.2 Jurisdiction. The New Zealand courts have non-exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Platform. This does not prevent either party from seeking urgent interim relief in any court of competent jurisdiction.

13.3 Privacy. We and your Broker handle Personal Information in accordance with the New Zealand Privacy Act 2020 and, for individuals in Australia, the Australian Privacy Principles under the Privacy Act 1988 (Cth). Some processing is carried out by US-based sub-processors under contractual safeguards. Full details are in our Privacy Policy.

13.4 Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer ours, including to a successor in connection with a sale or reorganisation of our business, on notice to you.

13.5 Severability. If any provision of these Terms is held to be invalid or unenforceable, it will be modified to the minimum extent necessary to make it valid and enforceable, or, if it cannot be, severed; the remaining provisions will continue in full force.

13.6 Entire agreement. These Terms, together with the Privacy Policy and any plan details agreed at sign-up, are the entire agreement between you and us about the Platform, and supersede any prior understanding on that subject.

13.7 No waiver. A failure or delay by us in exercising any right under these Terms is not a waiver of that right, and no single or partial exercise prevents any further exercise.

13.8 Force majeure. Neither party is liable for any failure or delay in performing its obligations (other than an obligation to pay) caused by events beyond its reasonable control, including natural disasters, outages, failures of third-party services or infrastructure, and acts of government.

13.9 Notices. Notices to us under these Terms must be sent to legal@insuredin.app. We may give you notices by email to the address associated with your account or through the Platform.

13.10 Relationship. Nothing in these Terms creates a partnership, joint venture, agency (other than as described in clause 8.2) or employment relationship between the parties.

14. Contact

If you have any questions about these Terms, please contact us:

IVS Digital Limited NZBN 9429052933127 18B Manuka Road, Glenfield, Auckland, New Zealand Email: legal@insuredin.app