A short, plain contract for software brokerages can defend.

These Terms govern your access to and use of the AI Broker platform and the Aoibhe agent (together, the “Service”), operated by SUD TECH LIMITED, trading as AI Broker (“AI Broker”, “we”, “our”, or “us”), a company registered in the Republic of Ireland.

The Service is sold to authorised insurance brokerages (“Brokerage”) for use by their staff. End clients of a Brokerage may interact with the Service via the surfaces the Brokerage has enabled (chat widget, email, WhatsApp, etc.) but their relationship is with the Brokerage, not with us. These Terms do not create a contract between AI Broker and an end client.

By creating an account, accepting an invitation, or using the Service, you confirm that you have authority to bind your Brokerage to these Terms, and that you are at least 18 years old.

AI Broker is a software platform for regulated insurance brokerages. It triages multi-channel client conversations, drafts policy work, cites the brokerage’s own knowledge base, and routes urgent issues to a human broker. Aoibhe is the agent that runs inside the platform.

The Service is software-as-a-service. We host it; you log in. We do not provide a copy of the source code, do not offer on-premise deployment, and do not promise a particular subset of features at any given moment — features evolve and roll out by tenant.

We are not an authorised insurance intermediary. We do not advise on cover, do not bind cover, do not handle premium, and do not act on the Brokerage’s behalf with insurers. Authorised activities remain the Brokerage’s responsibility under its own regulatory permissions (Central Bank of Ireland in Ireland, FCA in the UK, equivalents elsewhere).

The Brokerage is the data controller for end-client personal data flowing through the Service. The Brokerage is responsible for the lawful basis of processing, for the consent or other notice given to its end clients, and for the accuracy of the data uploaded into its tenant.

The Brokerage will not: upload content the Brokerage does not have the right to upload; use the Service to send unsolicited marketing in violation of e-Privacy / GDPR Art. 21; attempt to reverse-engineer the agent or extract another tenant’s data; submit content designed to manipulate the agent (prompt injection, jailbreak strings); or use the Service in any way that breaches insurance regulation in the jurisdictions in which the Brokerage operates.

The Brokerage will keep its account credentials secure, will use the staff-role permissions correctly, and will notify us promptly at support@aibroker.ie if it suspects an account has been compromised.

Where the Brokerage connects a third-party channel (Meta WhatsApp, Gmail, Microsoft 365 / Outlook), the Brokerage is responsible for keeping that connection authorised and for revoking it if the underlying account is closed.

Aoibhe identifies herself as an AI on the first turn of a client-facing conversation, in line with EU AI Act Article 50. Every reply is logged with the prompt, model, retrieved documents, classifier label, verifier score, and per-sentence citation status, and is reconstructable for audit.

Aoibhe does not advise on cover, confirm an insurer’s decision, recommend a specific product, or handle a vulnerable consumer without escalation. These categories are enforced server-side by a verifier model. When the verifier blocks a reply, the conversation routes to a human broker.

The agent is non-deterministic. We make no guarantee that any particular question will produce a particular answer. The agent cites the Brokerage’s own knowledge base where it can; the Brokerage is responsible for the accuracy and licensing of the documents it uploads.

Where the agent produces a draft (an email, a task summary, a renewal note), the Brokerage is responsible for reviewing it before it is acted on. We do not warrant that drafts are fit for purpose without human review.

Personal data flowing through the Service is governed by the Privacy Notice and by the Data Processing Agreement (DPA) we execute with each Brokerage. The DPA is incorporated into these Terms by reference. To request the current version, email support@aibroker.ie.

AI Broker stores Brokerage data in the EU (Supabase, Frankfurt) with onward transfers to audited US sub-processors under EU Standard Contractual Clauses. Client data is never used to train any third-party foundation model. The full sub-processor list is in the Privacy Notice.

On termination of the Brokerage’s account, we retain the Brokerage’s tenant data for 30 days for restoration purposes, then delete it. Conversation transcripts and audit records that the Brokerage is required by law (CICA 2019, IDD record-keeping, EU AI Act Art. 12 logging) to keep for longer can be exported to the Brokerage on request before the 30-day window closes.

Fees, billing cadence, and any usage-based charges are set out in the Brokerage’s order form or pilot agreement. Where no such document exists, the Brokerage is on a pilot at no charge until a written agreement is executed.

Fees are exclusive of VAT and any other applicable tax. Late payments accrue interest at the rate set by the European Central Bank plus 8 percentage points, in line with the Late Payment in Commercial Transactions Regulations 2012 (S.I. 580/2012).

Third-party charges (Meta WhatsApp conversation fees, email-provider quotas, etc.) sit between the Brokerage and the third party. AI Broker is not a reseller of those services.

AI Broker (and its licensors) own the platform, the Aoibhe agent, the prompts, the audit pipeline, the embeddings infrastructure, and any improvement to any of the foregoing. Nothing in these Terms transfers ownership of the Service to the Brokerage.

The Brokerage owns its uploaded documents, its tenant configuration, and its end-client conversations. The Brokerage grants AI Broker a worldwide, non-exclusive licence to host, copy, transmit, and process that content for the sole purpose of providing the Service to the Brokerage.

The Brokerage may not use the AI Broker name, the Aoibhe name, or our logos in marketing without our prior written consent. We may identify the Brokerage as a customer in our marketing materials only with the Brokerage’s prior written consent.

Feedback the Brokerage gives us about the Service may be used by us to improve the Service without obligation or attribution.

Each party will protect the other’s non-public business information disclosed in connection with the Service with at least the same care it uses for its own confidential information, and will not use or disclose it except to perform under these Terms.

Confidentiality obligations survive termination for 5 years, except for trade secrets and personal data, which are protected for as long as they remain trade secrets or personal data.

We warrant that the Service will perform materially as described in our written documentation. If the Service materially fails to do so, our sole obligation is to use commercially reasonable efforts to correct the failure or, if we cannot, to refund pre-paid fees for the affected period.

Other than that warranty, the Service is provided “as is”. To the maximum extent permitted by law we disclaim all other warranties — implied, statutory, or otherwise — including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any AI-generated content will be accurate, complete, or fit for any particular use.

Neither party is liable to the other for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, or lost data, even if advised of the possibility.

Our total aggregate liability under these Terms in any 12-month period is capped at the fees paid by the Brokerage to us in the 12 months immediately preceding the event giving rise to the liability. For a Brokerage on a pilot at no charge, the cap is €1,000.

These caps do not apply to: liability for death or personal injury caused by negligence; fraud or fraudulent misrepresentation; willful misconduct; or any other liability that cannot be limited or excluded under Irish law.

Each party will indemnify the other against third-party claims arising from the indemnifying party’s breach of these Terms or its negligent or wilful acts. Indemnity claims are subject to the liability caps above except where the underlying claim falls into one of the unlimited categories.

These Terms apply for as long as the Brokerage uses the Service or owes fees to AI Broker.

Either party may terminate for material breach if the breach is not cured within 30 days of written notice. Either party may terminate immediately if the other becomes insolvent.

On termination, the Brokerage’s access to the Service ends. We retain the Brokerage’s tenant data for 30 days post-termination to allow export, then delete it, subject to backups expiring within a further 30 days.

Sections that by their nature should survive termination (intellectual property, confidentiality, liability, governing law) survive.

These Terms are governed by the laws of the Republic of Ireland. The courts of Ireland have exclusive jurisdiction over any dispute arising out of or in connection with these Terms, except that AI Broker may seek injunctive relief in any court of competent jurisdiction to protect its intellectual property.

Before commencing court proceedings, the parties will attempt good-faith escalation to senior management for at least 30 days, except for matters where injunctive relief is sought.

We may update these Terms from time to time. Material changes are notified to the Brokerage by email or in-app notice with at least 30 days’ notice before they take effect, except where shorter notice is required by law.

If a Brokerage objects to a material change, it may terminate before the change takes effect. Continued use after the change takes effect constitutes acceptance.

Last updated: 2026-05-10.