1. Acceptance of Terms
These Terms of Service ("Terms", version 2026-10-23) form a binding contract between you (and the organization you represent, "Customer") and EvidencePair LLC ("COIScreen", "we", "us") governing your access to and use of the COIScreen web application, vendor and broker portals, and related services at coiscreen.com (the "Service").
By ticking the "I agree to the Terms of Service and Privacy Policy" checkbox when creating an account, claiming an anonymous audit, or continuing past a Terms update prompt, you accept these Terms on behalf of yourself and your organization. When we publish a new version of these Terms, signed-in users are prompted to accept the updated version before continuing.
2. Nature of the Service (Administrative Document-Processing Utility)
COIScreen is strictly an administrative document-processing utility that reads uploaded PDFs and images using optical extraction and compares the extracted fields against criteria configured by the Customer.
COIScreen is NOT a licensed insurance producer, broker, agent, underwriter, or claims adjuster, and is NOT a law firm or legal advisor. COIScreen does not provide insurance advice or legal advice, does not interpret insurance policy coverage, and does not confirm or represent that any insurance policy is in force or covers any loss.
All extraction summaries and rule comparisons are automated outputs that can be incomplete or inaccurate. The Customer remains solely responsible for inspecting original certificates of insurance, policy declarations, and endorsement pages, and for every decision to engage, allow on site, or pay any vendor or contractor.
3. Customer Data and Outbound Messaging Instructions
You represent and warrant that you have the lawful right and authority to upload all certificates of insurance, W-9 forms, leases, contracts, and vendor and insurance producer contact details that you submit to the Service.
By adding vendor or broker contact details, enabling automatic renewal reminders, or clicking reminder or broker revision actions, you expressly instruct COIScreen to send transactional emails and (where the vendor has directly opted in via the portal) SMS text messages to your vendors and their insurance brokers on your organization’s behalf.
4. Acceptable Use
You agree not to: (a) upload forged, altered, or fraudulent insurance certificates or tax forms; (b) use COIScreen’s email or SMS messaging features to send spam, unsolicited marketing, or harassing communications; (c) reverse engineer, decompile, or attempt to extract the source code or prompts of the Service; or (d) use automated scripts, bots, or scrapers against the anonymous COI checker or any portal endpoint.
5. Subscriptions, Fees, and Cancellation
Paid plans (Pro at $99/month and Business at $249/month) are billed monthly in advance in US Dollars via Stripe and renew automatically each month until cancelled. Applicable taxes are calculated and added at checkout.
You may cancel or change your subscription at any time through the Stripe Billing Portal in Settings → Billing. Cancellation takes effect at the end of your current paid billing period, after which your organization reverts to Free plan limits without deleting existing vendor records. We do not provide refunds or credits for partial months. A $199 Done-For-You Bulk Import credit is a one-time purchase and is non-refundable once an import job using that credit has started.
6. Disclaimer of Warranties
THE SERVICE AND ALL AUTOMATED EXTRACTION SUMMARIES, TEMPLATES, AND GUIDES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.
7. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, EVIDENCEPAIR LLC’S AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE LESSER OF FIVE HUNDRED US DOLLARS ($500.00) OR THE TOTAL SUBSCRIPTION FEES PAID BY CUSTOMER TO COISCREEN IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
IN NO EVENT SHALL COISCREEN BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, LOST PROFITS, BUSINESS INTERRUPTION, OR ANY LOSSES, CLAIMS, OR LIABILITIES ARISING FROM UNINSURED, UNDERINSURED, OR LAPSED VENDORS OR CONTRACTORS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
8. Indemnification
You agree to defend, indemnify, and hold harmless EvidencePair LLC, its officers, directors, employees, and agents from and against any third-party claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) documents or contact details uploaded by your organization; (b) your decisions to engage, pay, or withhold payment from any vendor; or (c) messages sent to vendors or brokers at your instruction.
9. Term, Termination, and Data Retention
These Terms remain in effect until your organization is deleted or terminated. Organization owners may request organization deletion at any time in Settings → Organization. Deleting an organization cancels any active Stripe subscription immediately, blocks sign-in to the organization, and permanently purges all database rows and stored files 30 days later in accordance with our Privacy Policy.
10. SMS Program Terms ("COIScreen Insurance Reminders")
Program Name: COIScreen Insurance Reminders. Vendors who explicitly tick the optional SMS consent checkbox on their COIScreen upload portal agree to receive automated insurance certificate expiration reminder text messages on behalf of the requesting organization.
Message Frequency: Up to 3 messages per policy renewal cycle (sent at 7 days before expiration, on the date of expiration, and 3 days after expiration). Message and data rates may apply.
Opt-Out and Help: Reply STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message to opt out immediately. Reply HELP for assistance or contact the requesting organization shown on your portal page. For help, email support@coiscreen.com. Wireless carriers are not liable for delayed or undelivered messages.
11. Governing Law and Venue
These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles. Any dispute arising under or relating to these Terms shall be resolved exclusively in the state or federal courts located in Santa Barbara County, California, and both parties consent to personal jurisdiction and venue in those courts.
12. Changes to These Terms and Contact Information
We may update these Terms from time to time. When we make material changes, we update the version date at the top of this page and require signed-in users to accept the updated Terms via our re-acceptance gate on their next visit.
Questions regarding these Terms may be sent by signed-in customers through the COIScreen dashboard or by mail to EvidencePair LLC, 109 W Cota St, Santa Barbara, CA 93101.