Terms of Service

Last updated: March 2026

1. Service Description

CertVault ("the Service") is a document management and compliance tracking tool operated by CertVault LLC ("we," "us," or "our"). The Service enables general contractors to collect, store, and monitor Certificates of Insurance (COIs) and other compliance documents from subcontractors.

2. Important Disclaimers

CertVault is a document management tool. It is not a substitute for professional insurance advice, legal counsel, or regulatory compliance verification.

Specifically, the Service does NOT:

  • Verify the authenticity or validity of any insurance policy or certificate
  • Guarantee that any subcontractor maintains active, valid insurance coverage
  • Provide legal advice regarding insurance requirements or compliance obligations
  • Replace the need for professional insurance brokers, attorneys, or compliance officers
  • Certify or warrant compliance with any federal, state, or local regulation

The AI-powered document parsing feature uses automated text extraction and may contain errors. Users are responsible for verifying the accuracy of all parsed data. We strongly recommend reviewing all extracted information against the original documents.

CertVault LLC is not an insurance agent, broker, consultant, or adjuster. CertVault does not engage in the business of insurance as defined by any federal, state, or local law. All compliance status determinations are automated comparisons of AI-extracted document data against user-specified thresholds and do not constitute verification of insurance coverage or advice regarding insurance adequacy.

3. Accounts and Access

General contractors ("GC Users") create accounts to manage their subcontractor compliance tracking. Subcontractors ("Sub Users") may upload documents via tokenized links without creating an account. GC Users are responsible for the accuracy of information they provide and for maintaining the security of their account credentials.

4. Acceptable Use

You agree not to:

  • Upload fraudulent, forged, or misleading documents
  • Use the Service to misrepresent insurance coverage status
  • Share upload links with unauthorized parties
  • Attempt to access documents or data belonging to other users
  • Use the Service for any purpose that violates applicable law

5. Data and Privacy

We collect and store documents and personal information necessary to provide the Service. Our handling of your data is described in our Privacy Policy. You retain ownership of all documents you upload. We do not sell your data to third parties.

6. Billing and Cancellation

Paid subscriptions are billed monthly via Stripe. You may cancel at any time through the billing portal. Upon cancellation, your account remains accessible through the end of the current billing period. After that, your data is retained for 30 days before permanent deletion, unless you request immediate deletion.

All charges are non-refundable. No partial or prorated refunds will be issued for any reason, including early cancellation, downgrade, or unused portions of a billing period.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CERTVAULT LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

You acknowledge that CertVault does not guarantee the accuracy of AI-parsed document data, the validity of any insurance policy, or compliance with any regulatory requirement. You agree that reliance on the Service for compliance decisions is at your own risk.

8. Indemnification

You agree to indemnify and hold harmless CertVault LLC from any claims, damages, or expenses arising from your use of the Service, including but not limited to claims resulting from reliance on AI-parsed data, lapsed insurance coverage, or compliance failures.

9. Changes to Terms

We may update these terms from time to time. Material changes will be communicated via email to active account holders. Continued use of the Service after changes constitutes acceptance of the updated terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions.

11. Dispute Resolution

Any dispute arising from these Terms or your use of the Service shall be resolved by binding arbitration administered under the rules of the American Arbitration Association, with the arbitration conducted in the State of Wyoming. Either party may seek injunctive relief in any court of competent jurisdiction. Claims eligible for small claims court may be brought there instead of arbitration.

12. Contact

For questions about these terms, contact us at support@certvault.com.