Legal Agreement

Terms of Service

Effective Date: March 1, 2026 • InsurChain AG

1. Acceptance of Terms

By accessing InsurChain websites, querying our REST/GraphQL APIs, mounting our cloud datashares, or connecting through our Model Context Protocol (MCP) servers, you agree to be bound by these Terms of Service. If you are entering into this agreement on behalf of an enterprise or entity, you represent that you have legal authority to bind said entity.

CRITICAL FINANCIAL & ACTUARIAL DISCLAIMER: InsurChain is strictly an analytics and quantitative research provider. InsurChain is not a regulated insurance carrier, underwriting syndicate, broker, or investment advisor. Solvency ratios, Capital Adequacy Ratios (CAR), and Value-at-Risk figures are mathematical projections derived from public onchain state transitions and should never be considered financial advice or guarantees of policy solvency.

2. API Access & Fair Usage Quotas

Users must not exceed the rate limits assigned to their tier. Automated scraping of front-end applications outside authorized API tokens or Snowflake shares is strictly prohibited. We reserve the right to suspend API tokens generating abnormal traffic patterns that threaten platform stability.

3. Commercial Data Licensing

Community / Free tier outputs may be cited in public research with mandatory attribution to "InsurChain (insurchain.io)". Commercial redistribution, sub-licensing, or inclusion of proprietary InsurChain Solvency indices in derivative financial products requires an active Institutional Enterprise contract.

4. Limitation of Liability & Jurisdiction

To the maximum extent permitted under Swiss law, InsurChain AG shall not be liable for indirect, incidental, or consequential damages resulting from oracle latency, smart contract failures, or protocol liquidations. This agreement is governed exclusively by the substantive laws of Switzerland, with jurisdiction in the Commercial Court of the Canton of Zürich (Handelsgericht Zürich).