Terms of service

1. What this is

WatchMyCover is software for tracking whether the certificates of insurance you hold for your vendors meet the requirements you have recorded. These terms are the agreement between you — the company whose workspace it is — and us, the provider.

Using the product means accepting them. If you are agreeing on behalf of a company, you are confirming you may bind that company.

2. What WatchMyCover is not

We are not an insurance broker, agent, adjuster or advisor, and nothing the product produces is insurance advice, legal advice, or a legal opinion about your contracts or anyone else’s policies.

A verdict in WatchMyCover is a comparison between values a person entered from a certificate and requirements a person entered from a contract. It does not read the certificate for you, it does not read the underlying policy, and it cannot tell you whether a policy will actually respond to a claim. It compares numbers and states the result, with the reasoning attached so you can check it.

You remain responsible for your own insurance requirements and for the decisions you make about your vendors. Compliant in this product means "meets what you recorded", not "adequately insured".

3. Your account

Keep your credentials to yourself, and tell us promptly if you think an account has been compromised. You are responsible for what the people you invite into your workspace do in it.

Do not use the product to break the law, to store material you have no right to hold, or to attack the service or anyone else through it.

4. Your data stays yours

Everything you put in — vendors, requirements, certificates, uploaded documents — remains yours. You grant us only the permission needed to run the service for you: storing it, processing it, and sending the emails you have asked the product to send on your behalf.

You can export the compliance register as CSV at any time, on any plan. What we do with the data and how long we keep it is set out in the privacy policy.

You are responsible for having the right to put third parties’ documents into the product, and for the accuracy of what is entered. We do not verify entered values against source documents.

5. Emails sent to your vendors

Renewal chases and upload requests go out under your organisation’s name, to addresses you provided, about a business relationship you have. You are responsible for those addresses being correct and for the relationship being real.

6. Payment

Plans are billed monthly in advance in US dollars, at the prices published on the pricing page. During early access, billing is by invoice and you cancel at any time by writing to us; access continues until the end of the period already paid for, and we do not refund part-months.

If a price changes we will tell you before it applies to you.

7. Availability

We aim to keep the service running and to give notice of planned maintenance, but we do not currently offer a contractual uptime guarantee. If you need one, talk to us before you buy rather than after.

8. Ending it

You can stop at any time. We may suspend or end an account that breaches these terms, or for non-payment, and we will tell you why. If we end your account without cause we will refund the unused part of the period you have paid for.

Export your data before you go. After the account is closed we delete the workspace within 30 days, other than anything we must keep by law.

9. Liability

The service is provided as it is. To the extent the law allows, we exclude implied warranties, and our total liability to you for any claim is limited to the fees you paid us in the twelve months before it arose.

We are not liable for uninsured losses, for a claim that is denied, or for a decision you took about a vendor. That is the honest position: this product costs tens of dollars a month and sits beside risks measured in millions, and no clause can move that risk onto us. It is a tool for the person doing the checking, not a substitute for the checking.

Nothing here excludes liability that cannot lawfully be excluded.

10. Changes to these terms

If we change them materially we will tell you in the product and by email before the change takes effect, rather than quietly replacing this page.

11. Governing law

To be completed on legal review, along with the governing jurisdiction and the dispute process. We would rather leave this visibly unfinished than guess at it.