Terms of Service

These terms are an agreement between Forgette Estates (“we”, “us”) and the business using the service (“you”).

Docs on File collects, stores, and tracks certificates of insurance and related documents that your vendors provide. It records the information shown on those documents, compares recorded coverage limits against minimum amounts you configure yourself, tracks expiration dates, and sends reminders to your vendors on a schedule.

Documents may be read by an automated system to pre-fill fields for you. Every document requires a person at your organisation to review and approve it. No document is ever marked approved by the software alone.

This section is important, and it limits what you may rely on the service for.

We do not assess whether any vendor’s insurance coverage is adequate, sufficient, or appropriate for any purpose. The service records what a document states and compares it against numbers you entered. It does not evaluate risk, interpret policy language, confirm that a policy is in force, or verify anything with an insurer or broker.

We do not provide insurance, brokerage, or legal advice, and nothing in the service is a substitute for advice from a licensed insurance professional or lawyer.

Automated reading of documents can be wrong. Fields may be missed, misread, or transcribed incorrectly, particularly from photographs and scans. You are responsible for checking recorded information against the underlying document before relying on it.

Status labels describe paperwork, not coverage. A status such as “Current” means a document meeting the conditions you configured was on file and reviewed as of a date shown. It is not a statement that a vendor is insured, that a policy remains in force, or that any loss would be covered.

We do not monitor policies continuously. Information reflects documents you have been given, as of the dates shown. A policy can be cancelled or changed without the service knowing.

Deciding whether to let a vendor work for you or on your premises remains entirely your decision and your responsibility.

The service is currently provided free of charge while it is in early access. Features may change, and the service may be less stable than a mature product.

We may introduce fees in future. If we do, we will give you notice before any charge applies to your account, and you may stop using the service instead of paying. We will not charge you for a period you have already used for free.

You are responsible for keeping your login credentials secure and for everything done through your account. Tell us promptly if you believe your account has been accessed by someone else.

You must give accurate information when you sign up and keep it current.

The service works by contacting your vendors on your behalf, using contact details you provide. Your vendors do not create accounts and are not our customers.

You confirm that you have a legitimate business relationship with each vendor you add and a proper basis for providing their contact details to us, and that they can reasonably expect to be contacted about insurance documentation for the work they do for you. You are responsible for the accuracy of those details.

If a vendor asks you to stop contacting them, you are responsible for acting on that request in the service.

Documents and information you or your vendors upload remain yours. You grant us only the permissions needed to run the service: to store the documents, process them so their contents can be recorded, display them back to you, and send the messages the service is designed to send.

You are responsible for having the right to upload what is uploaded to your account.

You agree not to:

• use the service to send unsolicited bulk messages;
• upload malicious files, or attempt to disrupt or overload the service;
• attempt to access another customer’s data, or probe the service’s security without our written permission;
• present output from the service as a professional opinion about insurance coverage;
• use the service in a way that breaks the law.

We aim to keep the service running and to send reminders on schedule, but we do not guarantee any level of availability, and we do not guarantee that every message will be delivered. Email delivery depends on systems outside our control, and messages can be delayed, filtered, or rejected.

The service is provided “as is” and “as available”, without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to your use of the service, whether based in contract, tort, or any other theory, even if we have been advised of the possibility of such damages.

In particular, we are not liable for any loss, damage, injury, claim, or expense arising from a vendor being uninsured or underinsured, from insurance that does not respond to a claim, from information recorded incorrectly from a document, or from a reminder that was not delivered or not acted upon.

Our total aggregate liability arising out of or relating to the service will not exceed the greater of the total amount you paid us in the twelve months before the event giving rise to the claim, or one hundred US dollars ($100). Where the service is provided free of charge, this cap is one hundred US dollars.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing here limits liability that cannot lawfully be limited.

You agree to indemnify and hold us harmless from claims, damages, and reasonable costs arising from your use of the service, from information you provided about your vendors, or from your breach of these terms.

You may stop using the service at any time. We may suspend or end an account that breaches these terms, that puts the service or other customers at risk, or where we are required to do so by law.

If your account ends, we will make your data available for a reasonable period so you can export it, then delete it in line with our Privacy Policy.

Sections 3, 7, 9, 10, and 11 survive the end of this agreement.

We may update these terms. If a change materially affects your rights, we will give notice — by email or in the product — before it takes effect. Continuing to use the service after that means you accept the updated terms.

These terms are governed by the laws of the State of Connecticut, without regard to its conflict of laws rules. The state and federal courts located in Connecticut will have exclusive jurisdiction over any dispute.

Questions about these terms can go to support@docsonfile.com.