Terms and Conditions

1. Acceptance of Terms

By accessing or using IBNR.net (the “Service”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to all of these Terms, you may not use the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

IBNR.net provides actuarial calculation tools for computing Incurred But Not Reported (IBNR) loss reserves and related health insurance analytics, including data management, projection modeling, AI-assisted analysis, collaborative team features, documentation, and reporting. The Service is designed exclusively for health insurance reserving and is not intended for property & casualty, life, or other lines of business. The Service is intended for use by qualified actuaries, analysts, and other insurance professionals. Results produced by the Service are intended to support, not replace, professional actuarial judgment.

3. Health Data and Protected Health Information (PHI)

Standard actuarial triangle data processed by the Service is typically aggregated and does not constitute Protected Health Information (PHI) under the Health Insurance Portability and Accountability Act (HIPAA). However, users who upload raw columnar data may inadvertently include PHI.

If you are a HIPAA Covered Entity or Business Associate and believe that your use of the Service requires a Business Associate Agreement (BAA), please contact us at support@ibnr.net before uploading any PHI. We will work with you to execute an appropriate BAA prior to your use of the Service with PHI. Uploading PHI without a signed BAA in place is a violation of these Terms.

Regardless of whether a BAA is in place, you remain solely responsible for ensuring that your use of the Service complies with all applicable HIPAA obligations. For more information on how we handle health data, see our Data Privacy Policy.

4. Accounts and Registration

You must create an account to access certain features of the Service. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate. You are responsible for safeguarding your account credentials and for all activity that occurs under your account.

5. Subscriptions and Billing

Certain features of the Service are available only on a paid subscription basis. By subscribing, you authorize us to charge your payment method on a recurring basis at the applicable plan rate. All fees are non-refundable except as expressly stated in these Terms or required by applicable law. We reserve the right to change pricing with reasonable advance notice.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulations, including actuarial standards of practice.
• Attempt to gain unauthorized access to any part of the Service or its related systems.
• Reverse-engineer, decompile, or disassemble any portion of the Service.
• Upload or transmit malicious code, viruses, or other harmful content.
• Resell, sublicense, or otherwise commercialize the Service without our prior written consent.
• Use automated means (bots, scrapers) to access the Service beyond what is expressly permitted by the API.

7. Data and Confidentiality

You retain ownership of all data you upload to the Service (“Your Data”). By uploading Your Data, you grant us a limited license to process it solely for the purpose of providing the Service. We will handle Your Data in accordance with our Data Privacy Policy. You are responsible for ensuring that Your Data does not contain personally identifiable information beyond what is necessary for the actuarial analysis.

8. AI-Assisted Features

The Service includes optional AI-assisted features. By using these features, you acknowledge and agree that:

• AI-generated outputs are provided for informational and productivity purposes only and do not constitute professional actuarial advice or opinion.
• You are responsible for reviewing and validating any AI-generated content before relying on it.

We will handle any AI-generated content in accordance with our Data Privacy Policy.

9. Group and Team Features

The Service allows you to share actuarial data with other users through groups. By using group features, you acknowledge and agree that:

• Users added to a group will have access to the data within that group according to their assigned role (viewer or editor).
• All member actions within a group, including data modifications, note additions, and setting changes, are recorded in an activity log visible to all group members.
• Group administrators (owners) can add, remove, and modify the roles of other group members, and can see member activity within the group.
• Email addresses of group members may be visible to other members within the same group.
• You are responsible for ensuring that any data shared within a group complies with applicable confidentiality and privacy obligations as outlined in our Data Privacy Policy.

10. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of IBNR.net and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. Nothing in these Terms grants you any right, title, or interest in the Service except for the limited right to use it as set forth herein.

11. Disclaimer of Warranties

The service is provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or free of harmful components. Actuarial outputs produced by the service are provided for informational purposes only and do not constitute professional actuarial advice.

12. Limitation of Liability

To the fullest extent permitted by applicable law, IBNR.net and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, arising out of your access to or use of (or inability to access or use) the service.

13. Indemnification

You agree to indemnify, defend, and hold harmless IBNR.net and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any third-party rights.

14. Termination

We may suspend or terminate your access to the Service at any time and for any reason, including but not limited to a breach of these Terms. Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the “Last updated” date. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

16. Contact Us

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