Terms of Service — ProductBuilder

1. Acceptance of Terms

By accessing, browsing, or using the ProductBuilder platform ("Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, as well as our Privacy Policy, which is incorporated herein by reference.

If you are using the Service on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms, and references to "you" or "your" shall include that organisation.

If you do not agree to these Terms, you must not access or use the Service.

2. Description of Service

ProductBuilder is a software-as-a-service ("SaaS") platform provided by DevEire Ltd that enables insurers, managing general agents (MGAs), brokers, and other insurance professionals to:

Design and configure insurance product quote forms
Build underwriting rules and pricing logic
Create and manage multi-dimensional rate tables
Upload and manage reference data sets
Deploy customer-facing quote portals
Manage policies, renewals, and payments
Generate bordereaux reports and analytics

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with reasonable notice where practicable. We will endeavour to notify you of material changes that affect your use of the Service.

3. Account Registration and Responsibilities

To access the Service, you must create an account by providing accurate, current, and complete information. You agree to:

Maintain the accuracy of your account information at all times
Keep your login credentials confidential and secure
Immediately notify us of any unauthorised access to or use of your account
Accept responsibility for all activities that occur under your account
Not share your account credentials with any unauthorised third party

You must be at least 18 years of age to create an account. DevEire Ltd reserves the right to suspend or terminate any account that we reasonably believe has been compromised or is being used in violation of these Terms.

4. Subscription and Billing

The Service is provided on a subscription basis. Specific pricing, plan details, and billing terms will be set out in a separate order form or subscription agreement between you and DevEire Ltd.

Pricing: For current pricing information, please visit our Pricing page or contact us at hello@productbuilder360.com.
Payment: Subscription fees are payable in advance in accordance with the billing cycle agreed in your subscription agreement. All fees are quoted exclusive of applicable taxes unless stated otherwise.
Late Payment: If payment is not received within 14 days of the due date, we reserve the right to suspend access to the Service until the outstanding balance is settled.
Refunds: Subscription fees are non-refundable except as expressly set out in your subscription agreement or as required by applicable law.
Changes to Pricing: We may update our pricing from time to time. Any changes to your subscription fees will be communicated with at least 30 days' notice before the start of your next billing cycle.

5. Permitted Use and Acceptable Use Policy

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Service in accordance with these Terms and your subscription agreement. You agree not to:

Use the Service for any unlawful purpose or in violation of any applicable laws or regulations, including insurance regulations
Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service
Copy, modify, distribute, sell, or lease any part of the Service
Interfere with or disrupt the integrity or performance of the Service or its infrastructure
Attempt to gain unauthorised access to the Service, other accounts, or related systems and networks
Upload or transmit viruses, malware, or any other malicious code
Use the Service to create insurance products that are fraudulent, misleading, or non-compliant with applicable regulatory requirements
Use automated tools to scrape, crawl, or extract data from the Service without our prior written consent
Sublicense, resell, or otherwise make the Service available to third parties except as expressly permitted

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account.

6. Intellectual Property

Platform IP: The Service, including all software, algorithms, user interfaces, designs, text, graphics, logos, trademarks, and all other intellectual property embodied in or associated with the ProductBuilder platform, is and shall remain the exclusive property of DevEire Ltd and its licensors. These Terms do not grant you any right, title, or interest in the Service except for the limited licence to use it as described herein.

Feedback: If you provide us with any suggestions, feedback, or ideas regarding the Service ("Feedback"), you grant DevEire Ltd a perpetual, irrevocable, royalty-free, worldwide licence to use, modify, and incorporate such Feedback into the Service without any obligation to you.

7. Customer Data and Insurance Data Ownership

Your Data: You retain all right, title, and interest in and to the data you upload, create, or input into the Service ("Customer Data"), including but not limited to:

Insurance product configurations, forms, and rules you design
Rate tables, reference data sets, and pricing models
Quote submissions, policy records, and customer information
Bordereaux data and reporting outputs

Licence to Us: You grant DevEire Ltd a limited, non-exclusive licence to process, store, and transmit your Customer Data solely to the extent necessary to provide and improve the Service.

Data Portability: Upon termination of your subscription, you may request an export of your Customer Data within 30 days. We will provide your data in a standard, machine-readable format. After 30 days, we reserve the right to delete your Customer Data in accordance with our data retention policies.

Anonymised Data: We may use anonymised and aggregated data derived from your use of the Service for analytics, benchmarking, and Service improvement purposes, provided such data does not identify you or any individual.

8. Data Processing

We process personal data in accordance with our Privacy Policy and applicable data protection legislation, including the General Data Protection Regulation (EU) 2016/679 ("GDPR") and the Irish Data Protection Act 2018.

Where you are a data controller and we process personal data on your behalf, we act as a data processor. The specific terms of such processing, including the subject matter, duration, nature, and purpose, shall be set out in a Data Processing Agreement ("DPA") to be entered into separately.

For further information on how we handle personal data, please refer to our Privacy Policy and GDPR compliance page.

9. Service Availability and SLA

DevEire Ltd will use commercially reasonable efforts to make the Service available 99.9% of the time, measured on a monthly basis, excluding scheduled maintenance windows.

Scheduled Maintenance: We will provide at least 48 hours' notice of planned maintenance that may affect Service availability. Where possible, maintenance will be performed during off-peak hours.
Unscheduled Downtime: In the event of unexpected outages, we will work diligently to restore the Service and communicate status updates to affected customers.
Exclusions: Service availability commitments do not apply to downtime caused by force majeure events, your equipment or third-party services, or your misuse of the Service.

Specific service level commitments, including any remedies for failure to meet uptime targets, may be set out in your subscription agreement.

10. Limitation of Liability

To the maximum extent permitted by applicable law:

No Indirect Damages: DevEire Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, business opportunities, or goodwill, arising out of or in connection with your use of the Service.
Liability Cap: DevEire Ltd's total aggregate liability under these Terms shall not exceed the total fees paid by you to DevEire Ltd during the twelve (12) months immediately preceding the event giving rise to the claim.
Insurance Decisions: The Service is a tool to assist in the creation and management of insurance products. DevEire Ltd is not an insurer, insurance broker, or insurance intermediary, and does not provide insurance advice. You are solely responsible for ensuring that insurance products created using the Service comply with applicable laws and regulations.

Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

11. Indemnification

You agree to indemnify, defend, and hold harmless DevEire Ltd, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:

Your use of the Service or any activity carried out under your account
Your breach of these Terms or any applicable law or regulation
Insurance products you create, distribute, or manage using the Service
Any claim by a third party relating to your Customer Data or your use of the Service
Your violation of any rights of a third party

12. Termination

By You: You may terminate your account at any time by providing written notice to DevEire Ltd at hello@productbuilder360.com. Termination will be effective at the end of your current billing cycle.

By Us: DevEire Ltd may suspend or terminate your access to the Service immediately if:

You breach any material provision of these Terms
You fail to pay applicable fees within 30 days of the due date
You engage in activity that poses a security risk to the Service or other users
We are required to do so by law or regulation
We cease to offer the Service (with reasonable notice)

Effect of Termination: Upon termination, your right to access the Service will cease immediately. Sections of these Terms that by their nature should survive termination (including Intellectual Property, Limitation of Liability, Indemnification, and Governing Law) shall continue to apply.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ireland, without regard to its conflict of laws principles. The courts of Ireland shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms.

14. Dispute Resolution

In the event of any dispute arising out of or relating to these Terms or the Service, the parties agree to first attempt to resolve the matter through good-faith negotiation. Either party may initiate this process by sending written notice to the other party describing the dispute.

If the dispute is not resolved within 30 days of such notice, either party may refer the matter to mediation administered under the rules of the Mediators' Institute of Ireland. If mediation does not resolve the dispute within a further 60 days, either party may commence legal proceedings in the courts of Ireland as set out in Section 13.

Nothing in this section shall prevent either party from seeking interim or injunctive relief from a court of competent jurisdiction where necessary to protect its rights.

15. Changes to Terms

DevEire Ltd reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Service and updating the "Last Updated" date at the top of this page.

For material changes that affect your rights or obligations, we will provide at least 30 days' notice via email to the address associated with your account. Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of those changes.

If you do not agree with the revised Terms, you may terminate your account as set out in Section 12.

16. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

17. Entire Agreement

These Terms, together with the Privacy Policy, any applicable subscription agreement, and any Data Processing Agreement, constitute the entire agreement between you and DevEire Ltd with respect to the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

18. Contact Information

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

DevEire Ltd
National Technology Park, Limerick, Ireland
Email: hello@productbuilder360.com