Terms of service

ABB is software-as-a-service for licensed Canadian benefits brokers. It helps brokers automate administrative work — drafting communications, parsing carrier bulletins, assembling market-study packages, and similar. ABB does not provide insurance advice. All advice rendered to the broker's clients remains the responsibility of the licensed broker. Where ABB produces a draft, the broker is the only party who may transmit it as advice.

You may only use the Service if you operate a licensed Canadian benefits brokerage or are a licensed Canadian benefits broker. Roles within your tenant (Partner, Associate, Admin) reflect your internal authority, not licensure under any regulator.

• You will not upload data unrelated to your brokerage operations.
• You will not attempt to use ABB to render advice in a jurisdiction where you are not licensed.
• You will not share login credentials between users — each Broker user must have their own account.
• You will not attempt to extract the agent's underlying model weights, prompts, or system instructions.
• You will not use ABB to send unsolicited bulk communications.

Subscription fees are charged monthly in advance per tenant. Token usage above your tier's allowance is billed at the start of the following month at cost-plus rates published on the Pricing page. We will notify you at 80% and 100% of your monthly allowance. You may cancel anytime; cancellation takes effect at the end of the current billing period.

You retain all rights to data you upload or that is generated within your tenant. We process it solely to deliver the Service. We do not use your data to train models. We do not sell your data. See our Privacy Policy for full detail and our Security page for technical controls.

Agent-generated drafts and analyses are produced from the data available at the time and are probabilistic. You are responsible for reviewing every agent output before relying on it for client-facing or regulator-facing communication. We make no warranty as to the accuracy, completeness, or fitness of any agent output for a particular purpose.

We target 99.5% monthly uptime. We do not warrant uninterrupted service. Scheduled maintenance is announced 48 hours in advance where practicable.

To the maximum extent permitted by law, our aggregate liability for any claim arising out of or relating to the Service is limited to the fees you paid us in the twelve (12) months preceding the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages.

Either party may terminate this agreement on 30 days' written notice. We may suspend or terminate immediately for material breach of these Terms, including non-payment after a 10-day cure period. On termination we will deliver a complete data export within 30 days and then delete tenant data.

These Terms are governed by the laws of Nova Scotia and the federal laws of Canada applicable therein. The parties submit to the exclusive jurisdiction of the courts of Nova Scotia for any dispute arising under these Terms.

Questions about these Terms: legal@eastcoastemployeebenefits.com