Terms of Service — Rexford AI

1. Parties and Acceptance

Corporate Structure: Rexford AI is owned, operated, and a proprietary product of Rexford Insurance Solutions LLC ("Company," "We," "Us," or "Our").
Agreement: This Contract is between Rexford Insurance Solutions LLC and the user or legal entity ("Customer," "You," or "Your") utilizing the Rexford AI platform.
Acceptance: Accessing, registering for, or using the platform constitutes binding acceptance of these Terms.
Authority: If you accept on behalf of a company, you warrant you have legal authority to bind that entity.

Trial Period: Accessible for fourteen (14) consecutive days starting from your account registration date.
Conversion: Converts automatically to a paid subscription (monthly or annual, based on your selection at registration) unless canceled before the 14th day.
Data Loss: Inputted configurations or data may be permanently deleted if you do not upgrade or convert.
Liability: The trial is provided strictly "as-is" without any express or implied warranties, performance guarantees, or platform SLAs.

License Grant: Rexford Insurance Solutions LLC grants you a non-exclusive, non-transferable, revocable, limited license to access Rexford AI.
Restrictions: You shall not reverse-engineer, scrape, copy, resell, or build a competing risk-prediction product using our workflows or layouts.
Availability: Enterprise uptime commitments are governed strictly by separate, executed Service Level Agreements.

Nature of Output: The platform provides artificial intelligence-generated predictive insights, automated risk models, and operational forecasts.
Not Professional Advice: Platform outputs do not constitute real estate, financial, legal, insurance underwriting, structural engineering, or architectural advice.
Operational Risk: The Customer retains sole responsibility for operational decisions, structural validations, and human-in-the-loop oversight.
Model Evolution: AI models evolve; predictions are probabilistic, based on historical datasets, and are never guaranteed for absolute accuracy.

Customer Data: The Customer retains all intellectual property rights to uploaded operational and proprietary real estate data.
Usage License: Customer grants Rexford Insurance Solutions LLC a license to host, process, cache, and analyze data to deliver the SaaS service.
Anonymized Aggregation: The Company may use de-identified, aggregated operational data to train, refine, and optimize its core AI algorithms.
California Privacy: The Company acts as a "Service Provider" under the California Consumer Privacy Act (CCPA/CPRA) and will not sell or share customer personal information.

Billing Options: Subscriptions are offered on either a recurring monthly or fixed annual basis.
Monthly Subscriptions: Billed in advance every month and auto-renew until canceled by the Customer before the next billing cycle.
Annual Subscriptions: Billed in advance for a twelve (12) month term. Annual subscriptions do not auto-renew; they expire automatically at the year-end unless manually renewed by the Customer.
Late Payments: Overdue balances incur late fee interest charges or trigger automated service and account suspension.
True-Up: Overage fees apply if usage exceeds your tier's constraints (e.g., API call limits, property volume, or data ingestion limits).

Annual Subscriptions: Annual payments are 100% non-refundable. If a Customer elects to cancel or terminate their annual subscription mid-year, no pro-rated refunds or credits will be issued for the remaining months of the term.
Access Upon Mid-Year Cancellation: Upon mid-year cancellation of an annual plan, the Customer will retain platform access until the scheduled year-end expiration date, at which point access will terminate.
Monthly Subscriptions: Monthly payments are non-refundable for the active billing month; cancellations take effect at the start of the next billing cycle.

Liability Cap: Restricted to the total amount paid by the Customer to Rexford Insurance Solutions LLC in the twelve (12) months preceding the claim.
Exclusion of Damages: The Company is not liable for indirect, incidental, consequential, special, or punitive damages.
High-Risk Waiver: The Company disclaims all liability for property damage, construction delays, operational failures, financial losses, or un-underwritten insurance claims.

By Customer: Customer indemnifies Company against third-party claims arising from uploaded data, regulatory violations, or operational decisions.
By Company: Company indemnifies Customer against third-party claims asserting that the SaaS platform infringes valid intellectual property rights.

Termination for Convenience (Monthly): Standard monthly users may cancel at any time via the billing dashboard, effective at the current billing cycle end.
Year-End Expiration (Annual): Annual subscriptions expire automatically at the end of the 12-month term without penalty.
Termination for Cause: Immediate termination rights apply for material breach, non-payment, or intellectual property violations.
Data Retrieval: The Customer has thirty (30) days post-termination or annual expiration to export raw data before permanent deletion.

Jurisdiction: Governed by the laws of the State of California, without regard to conflict of law principles.
Dispute Venue: Mandatory binding arbitration in Los Angeles, California, waiving the right to class-action lawsuits.