Last Updated: October 27, 2026
Welcome to Adventus, Inc. ("Adventus," "we," "us," "our"). Adventus, Inc. is a Delaware corporation. These Terms of Use ("Terms") govern your access to and use of the Adventus application (the "App"). The App helps insurance professionals research property and assemble property data — including statements of values, building and permit summaries, property characteristics, imagery, and exports — to support insurance submissions. To do this, it gathers and analyzes data about commercial and residential buildings ("Property Data") from public records (such as county assessor and permit records), licensed third-party property data providers, satellite and street-level imagery, AI-assisted research and analysis (including AI-assisted web research), and information you provide. By downloading, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you may not use the App.
1. Acceptance of Terms
By using the App, you accept these Terms and our Privacy Policy. These Terms apply to everyone who uses the App, including during a free trial or evaluation. You represent and warrant that you have the legal capacity to enter into a binding agreement and that you will comply with all applicable laws.
Signed Agreements Control
If you or your organization have signed an Order Form that references the Adventus Customer Agreement, the Order Form and the Customer Agreement also govern your use of the App and the related services, and they control over these Terms to the extent of any conflict. The order of precedence is: (1) the Order Form, (2) the Customer Agreement, and (3) these Terms.
2. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction). If you use the App on behalf of an organization, you represent that you have authority to bind that entity.
3. Account Registration and Security
Account Creation
You agree to provide accurate and current information.
Security
You are responsible for safeguarding your login credentials and for activity under your account. Your account is for you alone. Do not share your login, and do not let anyone else use your account. If your organization has signed an Order Form, only its employees and individual contractors who work for it may use the App, and never anyone who works for a competitor.
Unauthorized Use
Adventus, Inc. is not liable for losses arising from compromised accounts or from your own systems.
4. License and Use of the App
We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your internal business purposes: researching property, gathering Property Data, and preparing insurance submissions for your own clients.
Output
"Output" means the reports, statements of values, structured data, summaries, exports, and other results the App produces for you. You may use Output for your internal business purposes, and you may keep using Output you created after your access ends, subject to Sections 4 through 6. You may share Output with the insured it relates to and with insurers, carriers, wholesalers, managing general agents, premium finance companies, and your auditors and regulators in the ordinary course of placing and servicing that insured's insurance. Those uses count as your own internal business use.
Sharing Output
When you share Output with an insured, insurer, carrier, wholesaler, managing general agent, or anyone else, it is your own submission or communication, made on your own responsibility. You will not represent to any recipient that Adventus verified the Output or that an estimated or inferred value was sourced. Adventus owes no duty to anyone who receives Output from you.
Prohibited Uses
You agree not to:
- Reverse engineer, disassemble, or attempt to extract source code or underlying methods
- Copy, modify, or create derivative works of the App without written consent
- Use the App for unlawful purposes or in violation of third-party rights
- Interfere with or disrupt the App's operation or servers, or circumvent usage, security, or access controls
- Scrape, harvest, resell, redistribute, sublicense, or commercially exploit the App, Property Data, or Output, except for your own internal business use
- Use the App, Property Data, or Output to build, train, or populate a competing product, dataset, or service, or to create a standing database of property data outside the App
- Extract or retain Property Data beyond what you need for your internal business use, recognizing that some data is provided under third-party restrictions that flow down to you
- Share your login, or allow anyone else to access the App through your account
- Give a competitor access to the App, or demonstrate, screen-share, record, or describe the non-public features or workings of the App to a competitor, or to anyone for the purpose of evaluating, replicating, or building a competing product or service. A competitor is a person or entity that offers, or is developing, software, data, or services for property data research, statements of values, or the preparation of insurance submissions
- Publish or disclose benchmarks, performance results, or comparative evaluations of the App
- Use bots, crawlers, scripts, or AI agents to access the App or extract data from it
- Use the App, Property Data, or Output to train, fine-tune, or improve any artificial-intelligence or machine-learning model
- Remove or obscure proprietary notices
5. User Data and Content
Definition
"User Data" means the addresses, property lists, statements of values, files, field values, and other data you or your users upload or enter into the App, or send to us (excluding Property Data).
Ownership
You retain all rights in your User Data.
License to Adventus, Inc.
You grant us a worldwide, non-exclusive, royalty-free license to host, process, transmit, and use your User Data to provide and support the App, and to create aggregated or de-identified data that does not identify you, any individual, or any of your clients ("Aggregated Data").
Property Data and Aggregated Data
We may collect, retain, use, combine, and commercialize Property Data we obtain from public records and third-party sources, and Aggregated Data — including to operate, develop, and improve the App and to create and offer data products and insights to third parties — provided that we (a) do not disclose your identifiable User Data, and (b) comply with our data providers' restrictions.
Separation Between Customers
We keep your User Data separate from other customers' accounts and from any Adventus data product. We will not share data you have entered with another customer in a form that identifies you.
Sensitive Personal Information
"Sensitive personal information" means Social Security numbers; driver's license numbers; passport numbers; bank, card, or other financial account numbers; health or medical information; race or ethnicity; religion; biometric data; and precise geolocation tracking of a person. Do not upload it to the App or send it to us. The App is not designed to process it. If a document you upload contains it, we may delete or redact it, and we are not responsible for its having been included; you are. Ordinary insurance and property documents, such as offering memorandums, rent rolls, declarations pages, policies, loss runs, applications, and statements of values, are fine to upload even when they name the insured or contain business information.
Responsibility
You are responsible for the legality, accuracy, and permissions related to any User Data, and for information you provide to insurers. You represent that you have the right to share everything you upload or send to us (for example, with the insured's permission).
How We Process Documents
We process documents you upload only to provide the App (to extract property data, build statements of values and property reports, and flag discrepancies) and to create Aggregated Data as described above. Our AI providers process them on our behalf as described in Section 11. We do not sell personal information.
Security
We use reasonable administrative, technical, and physical safeguards designed to protect User Data, but cannot guarantee absolute security.
Deletion
You may delete User Data, though temporary backups may persist.
6. Property Data
Nature of Property Data
The App gathers, infers, and analyzes data using:
- Public records, such as county assessor and permit records
- Licensed third-party property data providers
- Satellite and street-level imagery
- AI-assisted research and analysis, including AI-assisted web research
- Information you provide
Some properties also receive manual review when our system flags them as needing it. Not every property is manually reviewed, and manual review does not mean the data has been verified.
Some Property Data consists of estimates or inferences, not verified facts. Property Data from third parties and public records is provided as received. Confidence indicators (if shown) are estimates, not guarantees.
Verification
You are solely responsible for independently verifying all Property Data and Output before relying on it for underwriting, quoting, valuation, placement, binding, or any communication with insurers, carriers, or clients, whether or not a field is marked as estimated or inferred. Before submitting values or property characteristics from the App to any insurer or carrier, you will obtain the insured's review and confirmation of them, consistent with standard agency practice.
User Contributions
User-added data is not verified by Adventus, Inc.
7. In-App and Report Disclaimers
The App may display disclaimers, confidence indicators, or notices reflecting uncertainty or estimation in Property Data. These disclaimers apply to all data delivered by the App and may be included in exported reports.
Not Insurance or Professional Advice
Adventus, Inc. is not an insurance agent, broker, producer, underwriter, or appraiser, and does not provide legal, financial, or other professional advice. The App, Property Data, and Output are decision-support tools only and do not constitute insurance, underwriting, valuation, or appraisal advice, a recommendation, or a determination of insurability or value. All insurance, underwriting, and placement decisions are yours alone.
AI-Assisted Output
Parts of the App use artificial intelligence and automated methods. Output may contain errors, omissions, or inaccuracies, and may be incomplete or out of date. You will not rely on the App or Output as a substitute for your own professional judgment and verification.
8. User Obligations
You agree to:
- Verify Property Data and obtain the insured's confirmation as described in Section 6 before using it in insurance workflows
- Comply with all applicable insurance, privacy, and data-protection laws
- Not impersonate others or misrepresent your identity or affiliation
9. Intellectual Property
As between you and us, Adventus, Inc. or its licensors own the App and all its content, code, and functionality; Property Data as compiled and processed by Adventus; and Aggregated Data. This does not include your User Data or the underlying public records. "Adventus," "Adventus AI," and related marks are trademarks of Adventus, Inc. and may not be used without written permission. No rights are granted except as expressly stated in these Terms.
The App's non-public features, screens, workflows, user interface, documentation, roadmap, and performance, and anything else you learn about the App by using it, are our confidential information, whether or not marked. You will not disclose them to anyone else, and you will not use them to develop, or help another person develop, a competing product or service.
10. Feedback
If you provide ideas, suggestions, or feedback, you grant us a perpetual, royalty-free license to use them for any purpose.
11. Third-Party Services and AI Providers
Third-Party Data and Services
We rely on third parties, including public-record sources, licensed property data providers, imagery providers, and hosting and infrastructure providers. Adventus, Inc. does not warrant the accuracy, availability, or legality of third-party data and is not responsible for external sites or services.
AI Providers
The App uses third-party AI providers to power AI-assisted features, including AI-assisted web research, processing of documents and data, and an in-app AI assistant that helps you research, question, filter, and organize your property submissions and statements of values. To provide these features, relevant User Data (such as addresses, named insureds, values, and schedule details) and Property Data may be transmitted to and processed by these providers on our behalf, limited to what is needed to perform the requested feature. We use these providers under commercial terms that do not allow them to train their models on customer data, and data is sent to them over encrypted connections.
Subprocessors
We require the third parties that process customer data on our behalf ("subprocessors") to use it only to provide services to us and to maintain appropriate safeguards. A current list of our subprocessors is available on request; contact privacy@adventusai.com. See our Privacy Policy for more detail.
Our People
We may use employees and supervised contractors, including outside the United States, to provide the App. They are bound by written confidentiality obligations, and we remain responsible for their compliance with these Terms.
12. Disclaimer of Warranties
The App, Property Data, and Output are provided "as is" and "as available." To the fullest extent permitted by law, Adventus, Inc. disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty that the App or any data is accurate, complete, current, error-free, or uninterrupted.
You acknowledge the inherent limitations of:
- AI outputs
- Third-party and public-record data
- Imagery-based interpretation
- Estimates and inferences
13. Limitation of Liability
To the fullest extent permitted by law:
Property Data accuracy
Adventus, Inc. is not responsible for inaccuracies or omissions in any Property Data or Output. You rely on it only after your own verification under Section 6.
No indirect damages
Neither you nor Adventus, Inc. is liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost revenue, lost or inaccurate data, or business interruption — including any insured loss, coverage gap, denied or underpaid claim, or errors-and-omissions exposure arising from Property Data or Output — even if advised of the possibility.
Maximum liability
Each party's total liability arising out of or related to these Terms or the App will not exceed the greater of (a) the fees you paid to Adventus, Inc. in the 12 months before the event giving rise to the claim, or (b) $100 USD.
How these limits apply
These limits apply to all claims however arising, whether in contract, tort (including negligence), strict liability, or otherwise, and even if a limited remedy fails of its essential purpose. They do not limit your payment obligations, your breach of the Prohibited Uses in Section 4 or misuse of our intellectual property, or your obligations under Section 14. They also protect Adventus, Inc.'s directors, officers, employees, and agents. These limits are a reasonable allocation of risk and are reflected in our pricing.
14. Indemnification
You agree to defend and indemnify Adventus, Inc. and its affiliates, directors, officers, employees, and agents against third-party claims to the extent arising from:
- Your User Data, or your lack of the rights needed to provide it
- Your violation of these Terms or any law
- Information you provide to, and statements you make to, insurers, carriers, insureds, or others, including any sharing of Output in breach of Section 4
- Your reliance on Property Data or Output without the verification required by Section 6
Your obligation for reliance without verification applies even if the claim alleges that Adventus, Inc. was negligent in producing the Output, because verification is your responsibility under Section 6. You have no obligation under this Section 14 for a claim to the extent it arises from Adventus, Inc.'s gross negligence, fraud, or willful misconduct, or its breach of its commitments in Section 5 to keep your User Data secure and confidential.
We will give you prompt notice of a claim, reasonable cooperation, and control of the defense. You will not settle a claim in a way that imposes liability on us without our consent.
15. Termination
You may stop using the App at any time. We may suspend or terminate your access at any time, including immediately if we reasonably believe you have broken Section 3 or Section 4 or the App is at risk. We may monitor sign-in and access logs to enforce these Terms. Upon termination, you must stop using the App. Sections that by their nature should survive termination survive, including the Output, Sharing Output, and Prohibited Uses parts of Section 4, and Sections 5, 6, 7, 9, 10, 12, 13, 14, 16, and 18.
16. Governing Law and Dispute Resolution
Governing Law
These Terms are governed by the laws of the State of Delaware, excluding conflict-of-law principles.
Informal Resolution
Before filing any claim, you agree to contact us and attempt to resolve the dispute informally for sixty (60) days.
Binding Arbitration
Any dispute not resolved informally will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Delaware. Judgment on the award may be entered in any court of competent jurisdiction.
Class and Jury Waiver
You and Adventus, Inc. each waive any right to a trial by jury and any right to participate in a class, collective, or representative proceeding. Claims must be brought individually.
Fees
The prevailing party may recover its reasonable attorneys' fees and costs.
Court Carve-Out
Either party may seek injunctive or other equitable relief in court to protect its confidential information, intellectual property, or proprietary rights (including to stop scraping or misuse of data), without waiving arbitration. You acknowledge that a breach of the Prohibited Uses in Section 4 or of the confidentiality paragraph in Section 9 would cause us irreparable harm, and we may seek an injunction without posting a bond.
17. Changes to These Terms
We may revise these Terms by posting a revised version and notifying you by email or in the App. Changes take effect 30 days after notice (or when posted, for anyone who starts using the App after that date), and your continued use after that is acceptance. If you or your organization have a signed Order Form, updates to these Terms apply to that Order Form only as its own terms allow, including the Customer Agreement's rules on changes.
18. Miscellaneous
Severability
Invalid provisions do not affect the remaining Terms.
Entire Agreement
These Terms and our Privacy Policy form the complete agreement between you and Adventus, Inc. about the App, except that any signed Order Form and the Customer Agreement also apply and control as described in Section 1.
No Third-Party Beneficiaries
There are no third-party beneficiaries of these Terms, except that the persons protected by Sections 13 and 14 may rely on them.
Force Majeure
Neither party is liable for delay or failure caused by events beyond its reasonable control, including natural disasters, government action, and failures of internet, cloud, or telecommunications providers.
No Waiver
Failure to enforce rights is not a waiver.
Assignment
You may not assign these Terms without consent. Adventus, Inc. may assign them to affiliates, successors, or acquirers.
19. Contact Us
Email: paul@adventusai.com
By using the App, you agree to these Terms.
Previous versions: October 17, 2026 · July 13, 2026