The terms, written plainly.

Barkrow reconciles commercial-insurance documents against the contract: extraction, cross-reference, an audit ledger, and the tools built on top. It is an instrument for a licensed professional, not a substitute for one, and it is not legal or insurance advice. The broker remains responsible for the bind and for every coverage decision. Our AI Acceptable Use Policy sets out responsible, human-in-the-loop use in more detail.

You must be able to form a binding contract and be acting in a professional, commercial capacity. The platform is built for licensed commercial-insurance brokers and their staff. It is not directed at consumers and not intended for anyone under 18. Don’t use the service if a law or sanction applies to you that would make your use unlawful.

Use the platform on documents you are authorized to handle, for legitimate commercial-insurance compliance work, within the seats and scope of your agreement. Do not attempt to defeat the PII boundary, recover raw identifiers from tokenized data, reverse-engineer or scrape the service, or resell access without a written agreement. The full list of permitted and prohibited conduct lives in the Acceptable Use Policy and the AI Acceptable Use Policy, both incorporated here by reference.

Keep your credentials secure. WorkOS is the identity provider behind the sign-in, password, recovery, multi-factor, social, and SSO flows Barkrow enables for your workspace. Paid team plans add workspace controls, roles, and entitled identity features. You are responsible for all activity under your seats, including the acts of anyone you invite. Tell us promptly at security@barkrowsystems.com if you suspect unauthorized access.

Anyone may create an account. A new workspace stays pending until billing activates it, so product access starts only after checkout completes. Creating an account is not an order and does not, by itself, give you use of the platform.

Your documents and your ledger are yours. As between us, you retain all right, title, and interest in your customer data; we receive only the limited license needed to process it and provide the service, under the Data Processing Addendum. We process customer documents only to provide Barkrow, and we claim no right to train models on your data, ever. Quality monitoring and de-identified product improvement are separate, are on by default, and can be turned off for your organization; both are described in the Privacy Policy.

You are responsible for having the rights and notices needed to submit the documents you upload. Do not submit protected health information regulated by HIPAA, payment card numbers, or government identification numbers unless a coverage review genuinely requires them and your agreement permits it.

Output. As between us, the extractions, comparisons, and reports the service produces from your documents belong to you, and you may use them in your business. AI output can be similar for other customers working on similar documents, and no output is legal, coverage, or insurance advice. Review each output against its cited page before you rely on it or send it to a client or carrier.

Usage data. We collect data about how the service runs and is used (performance, errors, feature use, security events) to operate, secure, support, and improve it. Usage data does not include the content of your documents, and we never sell it.

Feedback. If you send us suggestions, we may use them freely without obligation to you.

Confidential information is non-public information one party shares with the other that is marked confidential or should reasonably be understood to be confidential, including your customer data and our non-public product, pricing, and security information. The recipient will use it only to perform under these terms, will protect it with at least the care it uses for its own and never less than reasonable care, and will share it only with people and providers who need it and are bound to protect it.

It does not cover information that is or becomes public through no fault of the recipient, that the recipient already knew or independently developed, or that it lawfully received from someone else without a duty of confidence. A recipient may disclose confidential information where law requires, after giving the other party notice where the law allows, so it can seek protection.

Barkrow replaces detected sensitive identifiers with tokens and applies additional privacy checks before sending document text for AI processing. These automated controls do not detect every name or identifier, so some identifying information may remain. Other service providers receive only the data needed for the purposes disclosed in our Privacy Policy and Subprocessors page. Details are on the Security page.

Paid plans are billed as stated on your order or the plans page in effect when you subscribe. Unless your agreement says otherwise, fees are in US dollars, are stated exclusive of taxes, are billed in advance through Stripe, and are non-refundable except where required by law or expressly provided in your agreement. Self-serve subscriptions renew for the same period until cancelled, and you can cancel or update payment details in the billing portal. We may change standard pricing prospectively; changes do not affect the current paid term you’ve already committed to.

Taxes. You are responsible for sales, use, value-added, and similar taxes on the fees, other than taxes on our income. Where we are required to collect a tax, it appears on your invoice. If you dispute a charge in good faith, tell us before its due date and we will work it out with you.

We may suspend access, in whole or in part, to address a security risk to the service or to other customers, a violation of the Acceptable Use Policies, a legal requirement, or an undisputed amount more than 30 days overdue. We limit a suspension to what the problem requires, give notice where we reasonably can, and restore access once the cause is resolved.

We target high availability and publish material incidents. For paid plans, our uptime commitment and service credits are set out in the Service Level Agreement, which is incorporated here by reference. The SLA credits are your sole and exclusive remedy for availability shortfalls.

Barkrow runs on a short, audited list of subprocessors for cloud hosting and compute, document storage, the database, edge delivery, authentication, billing, model inference on document text after privacy checks, text embeddings, transactional email, support intake, and map and address features. The current list lives on the Subprocessors page. We give notice before adding or replacing a subprocessor so you may object, as described in the DPA. Use of Barkrow Maps is also subject to the Google Maps Platform Terms and Google Privacy Policy. Services you connect yourself are governed by your own terms with that provider.

The platform, the Barkrow name and marks, the software, and everything we create around them are owned by Barkrow Systems, LLC and its licensors. These terms grant you a limited, non-exclusive, non-transferable, revocable right to use the service during your term, and nothing more. You keep ownership of your customer data and of the outputs as applied to your documents; we keep ownership of the underlying models, software, and any improvements that don’t incorporate your data. Use of our marks is governed by the Trademark & Brand Guidelines.

We will not use your name or logo to identify you as a customer without your written permission, and you can withdraw that permission at any time for future use.

Each party confirms it has the authority to enter into these terms. You confirm you have the rights needed to submit your customer data. We provide the service with reasonable skill and care, and we stand behind the security commitments on the Security page and in the DPA. Beyond those, and except as your signed agreement states, the service is provided “as is” and “as available,” without warranties of any kind, express, implied, or statutory, including merchantability, fitness for a particular purpose, and non-infringement. AI can be wrong or incomplete; outputs may miss an endorsement or misread a form edition. Verify every output against its cited source.

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data, arising out of or relating to the service, even if advised of the possibility. Except for the carve-outs below, each party’s total aggregate liability is capped at the fees you paid or owed in the twelve months before the event giving rise to the claim. The cap and the exclusion of damages do not apply to: your payment obligations; either party’s indemnification obligations; a party’s breach of its confidentiality obligations; or liability that cannot be limited by law.

You will defend and indemnify Barkrow against third-party claims arising from your customer data, your use of the service in violation of these terms or law, or your infringement of a third party’s rights. We will defend and indemnify you against third-party claims that the service, used as permitted, infringes that party’s intellectual-property rights, and we may modify or replace the service, or refund unused fees, to resolve such a claim. Our obligation does not cover claims caused by your customer data, by combining the service with something we did not provide, by changes we did not make, or by use in breach of these terms.

The party seeking protection must tell the other promptly, give it control of the defense and settlement (no settlement may admit fault for the protected party without its consent), and provide reasonable help at the defending party’s cost. This section states each party’s exclusive remedy for the claims it covers.

These terms apply while you use the service. Paid terms run as stated on your order. You may cancel a self-serve subscription at any time, effective at the end of the paid period. Either party may terminate for a material breach not cured within 30 days of notice. On termination, your right to use the service ends and we delete or return customer data as the DPA specifies, except for records we are legally required to retain. Sections that by their nature should survive (ownership, confidentiality, liability, indemnity, disclaimers, and fees owed) survive termination.

The content on barkrowsystems.com, including articles, the newsletter, and product examples, is general information about Barkrow and the industry. It is provided “as is,” may be out of date, and is not legal, insurance, tax, or other professional advice. Reading it, writing to us, or using the site does not create an attorney-client, broker, or other professional relationship. Links to other sites are for convenience; we do not control and are not responsible for them. We may change, suspend, or remove any part of the site at any time.

We may update these terms. Material changes are dated here and, for customers, communicated in advance through the account or by email. Continued use after a change takes effect means you accept it. If you don’t agree to a material change, stop using the service before it takes effect.

These terms are governed by the laws of the State of California, without regard to conflict-of-law rules, and the parties submit to the courts located there, unless your signed agreement specifies otherwise.

We send notices to the email address on your account or through the product. Send notices to us at legal@barkrowsystems.com. A notice is received when delivered, unless the sender learns it was not.

Neither party is liable for a delay or failure caused by events beyond its reasonable control, such as natural disasters, war, civil unrest, labor actions, government action, or failures of the public internet or a provider outside our reasonable control, if it took reasonable steps to limit the effect. This does not excuse payment obligations.

You will not use, export, or give access to the service in violation of US export-control or sanctions law, including from an embargoed country or by a person on a US restricted-party list.

These terms, together with the policies they incorporate and any order or signed agreement, are the entire agreement between us on this subject and supersede earlier discussions about it. If a provision is held unenforceable, the rest stays in effect. Our failure to enforce a provision isn’t a waiver. You may not assign these terms without our consent; we may assign them to an affiliate or in connection with a merger, reorganization, or sale of the business, with notice to you. The parties are independent contractors, and nothing here creates a partnership, agency, or employment relationship. There are no third-party beneficiaries.