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Terms of Service

Last Updated: February 28, 2026

⚠️ Important — Please Read Carefully

These Terms of Service ("Terms") govern your access to and use of ComplyAtlas during the beta period. By accessing or using the Service, you agree to these Terms. If you disagree with any part of these Terms, you may not access the Service.

1. Service Description

ComplyAtlas provides informational monitoring of publicly available contractor-related records (such as license status) and tracks Certificate of Insurance (COI) expiry dates from documents uploaded by the user.

What ComplyAtlas Does NOT Provide

  • Legal advice or legal opinions
  • Certification, verification, or approval of contractors
  • Verification of insurance coverage with insurers — we do not contact insurance carriers, brokers, or agents
  • Confirmation that insurance policies are active, in force, or sufficient
  • Guarantees of accuracy, completeness, or timeliness of any data including extracted COI information
  • Real-time monitoring or instant updates
  • Hiring recommendations or contractor endorsements
  • Replacement for official state licensing boards or direct insurer verification

The Service is designed to provide informational awareness only and does not constitute verification, certification, or approval of any individual, entity, license, or insurance status.

1.1 Data Coverage Scope (Beta)

During the beta period, ComplyAtlas may surface the following based on publicly available records:

⚠️ COI Document Tracking Limitations

  • COI tracking is based solely on documents you upload — ComplyAtlas does not independently obtain or update COI documents
  • We extract expiry dates automatically; extraction may contain errors due to document quality or formatting
  • We do not contact insurance carriers, brokers, or agents to verify that policies are active, in force, or sufficient
  • A COI showing a future expiry date does not mean the underlying policy is currently active — policies can be cancelled or non-renewed at any time without notice to ComplyAtlas
  • You are solely responsible for the accuracy and authenticity of documents you upload
  • COI tracking is an "informational convenience" — not insurance verification, compliance confirmation, or professional advice

Not monitored during beta:

2. Beta Status

The Service is provided as a limited beta:

3. No Reliance / Independent Verification

You acknowledge and agree that:

Important: Always confirm critical details directly with official state licensing boards, issuing authorities, and insurance carriers before making any decisions.

3.1 User-Uploaded Documents

When uploading COI documents or other files to ComplyAtlas, you represent and agree that:

3.2 Data and Document Storage

4. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts. Both homeowners and contractors may use the Service, but responsibilities and risks remain the same for all users.

5. Subscription, Billing, Cancellation, and Usage

5.1 Subscription Term

ComplyAtlas subscriptions are billed on a monthly, prepaid basis. All subscription plans include both license monitoring (for supported states) and COI expiry tracking (for all U.S. states). Each billing period begins on the subscription date and renews automatically each month unless canceled before the next billing date.

5.2 Charges

5.3 Cancellation

5.4 No Rollover of Unused Monitoring

Important Billing Notice

  • Monitoring access, checks, or usage not utilized during a billing month do not roll over to subsequent months
  • Unused monitoring capacity expires at the end of each billing period, regardless of account activity or non-use
  • ComplyAtlas does not offer usage banking, carry-forward credits, or retroactive application of unused services

Failure to submit, activate, or use monitoring during a billing period does not entitle you to refunds, credits, extensions, or rollover benefits.

6. Refunds and Credits

Refunds or credits are discretionary, not automatic. Any refund or credit, if provided, is granted solely at ComplyAtlas's discretion and is not guaranteed, including where information provided through the Service is outdated, incomplete, delayed, or incorrect.

The Service is informational only, and inaccuracies in public or third-party records do not, by themselves, constitute a service failure or create any obligation to issue a refund.

6.1 Standard Refunds (General Cases)

In general cases, any refund or credit, if approved, shall be limited to the subscription fees actually paid for the specific billing period during which the alleged issue occurred.

Refund eligibility requires submission of specific, verifiable evidence, including:

General allegations of loss, reliance, dissatisfaction, or outcome are insufficient.

6.2 Exceptional Circumstances

In rare and exceptional circumstances involving formal dispute resolution, arbitration, or extraordinary verified service failures solely attributable to ComplyAtlas, ComplyAtlas may, at its sole discretion, offer a goodwill payment exceeding the applicable billing-period fees.

Any such payment:

6.3 Exclusions

What Does NOT Qualify for Refunds or Increased Liability

Alleged losses, consequential damages, indirect impacts, project delays, insurance changes, funding issues, or downstream effects — regardless of magnitude — do not increase refund eligibility or liability limits.

7. Limitation of Liability (Critical)

To the maximum extent permitted by law, ComplyAtlas shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to:

Liability Cap

In all cases, ComplyAtlas's total cumulative liability arising from or related to the Service shall not exceed the lesser of:

  1. The amount paid for the specific billing month in which the event giving rise to the claim occurred; or
  2. USD $200, as an absolute maximum cap

This limitation applies regardless of the legal theory asserted and constitutes the user's exclusive remedy.

8. No Warranty

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

Public records, third-party data sources, and user-uploaded documents may contain errors, delays, or omissions that are beyond ComplyAtlas's control. Insurance policies may be cancelled, non-renewed, or modified without notice to ComplyAtlas.

9. Indemnification

You agree to indemnify, defend, and hold harmless ComplyAtlas, Homenids LLC, and their officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Upon termination:

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware and the United States, without regard to conflict-of-law principles.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive any right to participate in class action lawsuits or class-wide arbitration.

12. Changes to Terms

We may update these Terms at any time during the beta period. Continued use of the Service after changes constitutes acceptance of the updated Terms. Material changes will be communicated via email or through the Service.

13. Contact

For support, privacy, billing, or beta-related questions:

support@complyatlas.com

Notice: Messages sent to this address are reviewed for routing purposes, but submission does not create any legal obligation, liability admission, or response guarantee. Requests do not guarantee eligibility for refunds, credits, or compensation and will be evaluated at ComplyAtlas's sole discretion.

14. Company Information

Homenids, LLC
A Delaware Limited Liability Company