Terms of Service

These Terms of Service ("Terms") govern your access to and use of CoiLoop(the "Service") operated at coiloop.com. By creating an account or using the Service, you agree to these Terms.

1. What CoiLoop does

CoiLoop is software that helps general contractors and their teams collect Certificates of Insurance, W-9s, and related documents from subcontractors; review uploads against checklists; track policy expiration dates; and send renewal reminders.

CoiLoop organizes documents and reminders. It does not provide insurance advice or certify coverage. Your team approves each certificate. Consult your broker or attorney for contract compliance.

We do not verify subcontractor licenses against state databases, confirm coverage with insurers, or guarantee that any document satisfies a contract, owner requirement, or legal obligation.

2. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract. You are responsible for maintaining the security of your sign-in credentials and for all activity under your account. Provide accurate organization and contact information.

3. Subcontractor upload links

You may generate links that allow subcontractors to upload documents without a CoiLoopaccount. You are responsible for sending links only to intended recipients and for how you use documents once received. Subcontractors who upload through your links are not our customers unless they separately create an account.

4. Your responsibilities

• Review all insurance documents with qualified professionals (broker, attorney, risk manager) as needed
• Ensure your use of the Service complies with applicable law and your contracts
• Obtain any consents required before uploading personal information about third parties
• Maintain appropriate internal policies for document retention and site access
• Not rely on the Service as the sole basis for compliance, coverage decisions, or permitting subs on site

5. Subscriptions and billing

Paid plans, when offered, are billed in advance on a recurring basis through Stripe unless otherwise stated at purchase. Prices and plan limits are described on our pricing page. You authorize us and Stripe to charge your payment method for applicable fees. Fees are non-refundable except where required by law or explicitly stated. You may cancel a subscription through account settings or by contacting us; cancellation stops future charges but does not retroactively refund prior periods.

6. Acceptable use

You agree not to:

• Use the Service for unlawful purposes or to upload unlawful content
• Upload malware, attempt unauthorized access, or interfere with the Service
• Reverse engineer or scrape the Service except as permitted by law
• Misrepresent your identity, organization, or authority to use the Service
• Use the Service to send spam or unsolicited messages to subcontractors

We may suspend or terminate access for violations or risk to the Service or others.

7. Intellectual property

We own the Service, including software, branding, and documentation. We grant you a limited, non-exclusive, non-transferable right to use the Service for your internal business purposes during your subscription or free-tier access. You retain ownership of documents and business data you upload. You grant us a license to host, process, and display your content solely to operate and improve the Service.

8. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, OR THAT DOCUMENT REMINDERS OR STATUS INDICATORS WILL PREVENT COVERAGE LAPSES OR COMPLIANCE FAILURES.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CoiLoop AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

Some jurisdictions do not allow certain limitations; in those cases our liability is limited to the fullest extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless CoiLoopand its operators from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your content, your violation of these Terms, or your violation of any law or third-party rights.

11. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or if we discontinue the Service. Upon termination, your right to use the Service ends. Provisions that by nature should survive (including disclaimers, limitations of liability, and indemnity) will survive.

12. Changes to the Service and Terms

We may modify the Service or these Terms. We will post updated Terms on this page and update the "Last updated" date. Continued use after changes become effective constitutes acceptance. If you do not agree, stop using the Service.

13. Governing law

These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles. Exclusive venue for disputes arising from these Terms or the Service lies in the state or federal courts located in San Francisco County, California, and you consent to personal jurisdiction there.

14. Contact

Questions about these Terms: help@coiloop.com.