1. Introduction
iPurveyAssure is an embedded protection infrastructure platform powered by iPurvey (THE DIGITAL PURVEYOR PARTNERING INSURTECH LIMITED). The platform enables insurers, financial institutions, digital platforms, governments, and ecosystem partners to launch, distribute, and operate protection products through APIs, dashboards, workflows, and automated decision infrastructure.
By accessing or using the website, platform, APIs, partner portals, or related services, you agree to these Terms of Service.
If you do not agree to these terms, please do not use the platform.
2. About iPurveyAssure
iPurveyAssure provides technology infrastructure for protection products and operational workflows.
Unless explicitly stated otherwise:
- iPurveyAssure is not an insurance company.
- iPurveyAssure is not an insurance broker.
- iPurveyAssure does not act as a risk carrier.
- Insurance products remain under the ownership, governance, and regulatory responsibility of licensed insurers and authorised partners.
3. Eligibility
You may use the platform only if:
- You are legally permitted to enter into binding agreements.
- You comply with applicable laws and regulations.
- You use the platform for lawful business purposes.
Additional onboarding, due diligence, compliance, or approval requirements may apply for partners.
4. Platform Services
Services may include:
- Embedded protection infrastructure
- API services
- Eligibility and decision automation
- Event monitoring
- Claims orchestration
- Payout workflows
- Reporting and audit services
- Partner administration portals
- Operational intelligence services
Services may evolve over time as the platform expands.
5. Partner Responsibilities
Partners remain responsible for:
- Product governance
- Regulatory compliance
- Customer disclosures
- Product terms and conditions
- Pricing and underwriting decisions
- Claims obligations where applicable
- Data accuracy provided to the platform
iPurveyAssure acts as a technology infrastructure provider unless otherwise agreed in writing.
6. Account Security
Users are responsible for:
- Maintaining the confidentiality of login credentials
- Restricting unauthorised access to accounts
- Promptly notifying us of suspected security incidents
We reserve the right to suspend accounts where security, compliance, or operational concerns arise.
7. Acceptable Use
You agree not to:
- Misuse the platform
- Attempt unauthorised access
- Circumvent security controls
- Interfere with platform operations
- Upload malicious software
- Use services for unlawful activity
- Misrepresent your authority or identity
Violation of these requirements may result in suspension or termination.
8. Intellectual Property
All platform technology, software, workflows, content, trademarks, documentation, and related materials remain the property of iPurvey or its licensors.
These Terms do not grant ownership rights to users or partners.
Partners retain ownership of their own data, products, branding, and intellectual property.
9. Data Protection
The collection and use of information is governed by our Privacy Policy.
Users and partners remain responsible for ensuring they have appropriate rights, permissions, and lawful bases for any data submitted to the platform.
10. Availability of Services
We aim to provide reliable and secure services but do not guarantee uninterrupted availability.
We may:
- Update services
- Improve functionality
- Apply maintenance windows
- Modify features
- Suspend services for security or compliance reasons
Reasonable efforts will be made to minimise disruption.
11. Third-Party Services
The platform may integrate with third-party providers including:
- Insurers
- Banks
- Payment providers
- Mobile operators
- Government systems
- Data providers
- Cloud infrastructure providers
We are not responsible for services operated independently by third parties.
12. Limitation of Liability
To the maximum extent permitted by law:
iPurveyAssure shall not be liable for:
- Indirect or consequential losses
- Loss of profits
- Loss of business opportunities
- Loss of data
- Business interruption
- Third-party service failures
Our total liability relating to the platform shall be limited to the amount paid by the relevant customer for the affected services during the preceding twelve months.
13. Indemnity
You agree to indemnify and hold harmless iPurvey, iPurveyAssure, employees, officers, and affiliates from claims arising from:
- Breach of these Terms
- Misuse of the platform
- Violation of applicable laws
- Infringement of third-party rights
14. Suspension and Termination
We may suspend or terminate access where:
- These Terms are violated
- Regulatory concerns arise
- Security risks are identified
- Fraudulent activity is suspected
- Continued access creates operational risk
Termination does not affect obligations that survive termination by law or contract.
15. Regulatory Compliance
Where protection products are distributed through licensed insurers or regulated entities:
- Regulatory responsibility remains with the applicable regulated institution.
- iPurveyAssure provides supporting technology infrastructure and operational workflows.
- Product ownership, underwriting, risk assumption, and policy obligations remain with the authorised insurer or regulated entity.
16. Changes to These Terms
We may update these Terms periodically.
Updated versions will be published on this website and become effective upon publication unless stated otherwise.
17. Governing Law
These Terms shall be governed by the laws applicable to the contracting iPurvey entity and the jurisdiction specified in any applicable partner agreement.
18. Contact Us
For questions regarding these Terms:
iPurveyAssure
Powered by iPurvey
Email: legal@ipurvey.com
General Enquiries: info@ipurvey.com
For partnership enquiries, please contact us through the website or request a discussion with our team.