Terms of Use

You have to be an adult acting for a business, and using Coily means you accept these terms.

These Terms of Use (the "Terms") are a contract between you and Coily ("Coily," "we," "us") governing the trycoily.com website, the Coily web application, the Coily API, and the Coily add-ins for Microsoft Outlook and Gmail (together, the "Service"). By creating an account, clicking to accept, or using the Service, you agree to these Terms and to the Privacy Policy. You must be at least 18 years old. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" includes it. The current Terms are always at trycoily.com/terms.

Coily reads certificate requests, checks them against policy data, and helps your agency issue ACORD 25 certificates of insurance. We work hard to keep it up, but we don't promise 100% uptime.

Coily is a software tool that uses artificial intelligence to read certificate-of-insurance requests, compare them against the policy records your agency maintains in the Service, draft and issue certificates, and keep related records such as verification reports and audit logs. We provide the Service on a commercially reasonable efforts basis; we do not guarantee that it will be uninterrupted, error-free, or available at any particular time. Features marked as beta, preview, or early access may change or be withdrawn at any time.

Keep your sign-in and add-in keys secret. What happens under your account is on you. Tell us immediately if something's compromised.

You agree to provide accurate account information and keep it current. You are responsible for safeguarding your credentials, including passwords, multi-factor devices, and personal add-in keys, and for all activity under your account. Do not share accounts. Notify us at hello@trycoily.com immediately if you suspect unauthorized access. We may suspend or terminate accounts that violate these Terms, create risk for the Service or other customers, or are used unlawfully.

Your data is yours. We only use it to run the Service for you — never to train AI models, never to sell.

"Customer Content" means the data your organization submits to the Service: clients and insureds, policies, holders, requests, issued certificates, and email content you send to the add-ins for extraction. You own your Customer Content. You grant Coily a limited license to host, process, transmit, and display it solely to provide and secure the Service and as described in the Privacy Policy. We do not sell Customer Content and we do not use it to train AI models. You are responsible for your Customer Content — including having the right to submit it and for its accuracy. Coily's output can only be as accurate as the policy data your agency maintains in the Service.

Use Coily for legitimate insurance work. Don't break it, don't abuse it, don't use it to deceive anyone.

You agree not to: (a) use the Service for any unlawful purpose, including issuing a certificate you know to be false or misleading; (b) probe, breach, or circumvent security or authentication measures; (c) access another organization's data or attempt to; (d) interfere with the Service, including overloading, scraping at scale, or introducing malicious code; (e) reverse engineer or copy the Service to build a competing product; (f) resell or provide the Service to third parties as a service bureau without our written agreement; (g) misrepresent AI-generated output as independently verified where it is not; or (h) use the Service to violate the rights of any third party.

Coily is a tool in the hands of your licensed team. It does not replace professional judgment, and a certificate never grants coverage.

You acknowledge and agree that:

• Coily is not an insurance agency, broker, producer, or advisor, is not licensed to transact insurance, and provides no insurance, legal, or professional advice.
• The Service's output — including AI extractions, verification results, drafted and issued certificates, verification reports, and audit logs (together, "Output") — is generated by software, including probabilistic AI models, and may contain errors, omissions, or inaccuracies.
• Your organization and its licensed professionals are solely responsible for reviewing Output before relying on it and for every certificate issued through the Service, including its accuracy and its compliance with law, carrier requirements, and contractual obligations.
• A certificate of insurance is evidence of coverage, not a grant of coverage; nothing in the Service creates, modifies, or extends any insurance coverage.

Paid plans bill per seat, monthly, through Stripe (or by invoice for Enterprise). Subscriptions renew automatically until you cancel. Cancel anytime; you keep access through the period you paid for.

Paid plans are billed per seat in advance on a monthly basis, by card through our payment processor (Stripe) or by invoice for Enterprise agreements. Subscriptions renew automatically each billing period until canceled. You can cancel at any time, effective at the end of the current billing period; except where the law requires otherwise, fees are non-refundable and we do not give prorated refunds for partial periods. We may change prices with at least 30 days' notice, effective at your next renewal. You are responsible for applicable taxes, other than taxes on our income. If a payment fails, we may suspend the Service after notice.

API keys and add-in keys are credentials. Guard them; we can revoke them to protect the Service.

Access to the Coily API is an Enterprise feature governed by these Terms. API keys and personal add-in keys are confidential credentials: you are responsible for their use, must not embed them in public code, and must rotate them if exposed. We may impose rate limits and may revoke keys that create risk for the Service. The Outlook and Gmail add-ins run inside Microsoft's and Google's platforms and are also subject to those platforms' terms.

We own Coily; you own your data. If you send us feedback, we can use it.

Coily and its licensors own the Service, including its software, design, branding, and documentation. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal business purposes during your subscription. No rights are granted except as expressly stated. If you provide feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or obligation.

Coily is provided "as is." We do not warrant that any Output is correct.

THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, COILY DOES NOT WARRANT THAT ANY OUTPUT — INCLUDING EXTRACTIONS, VERIFICATION RESULTS, CERTIFICATES, VERIFICATION REPORTS, OR AUDIT LOGS — WILL BE ACCURATE, COMPLETE, OR ERROR-FREE, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR SECURE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

If something goes wrong, our responsibility is capped — and mistakes in Output are, by agreement, your team's to catch. That's the deal that makes a tool like this possible.

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Release for Output errors. YOU ASSUME FULL RESPONSIBILITY FOR REVIEWING AND USING OUTPUT. YOU AGREE THAT NEITHER COILY NOR ITS OFFICERS, EMPLOYEES, CONTRACTORS, VENDORS, SUPPLIERS, LICENSORS, OR SERVICE PROVIDERS (INCLUDING, WITHOUT LIMITATION, OUR HOSTING, DATABASE, AI-MODEL, PAYMENT, AND EMAIL PROVIDERS) SHALL BE LIABLE FOR ANY LOSS, CLAIM, OR DAMAGE ARISING FROM OR RELATING TO INCORRECT, INCOMPLETE, OR DELAYED OUTPUT — INCLUDING INCORRECT INFORMATION, INCORRECT OR IMPROPERLY ISSUED CERTIFICATES OF INSURANCE, OR INCORRECT AUDIT OR VERIFICATION RECORDS — AND YOU RELEASE COILY AND EACH OF THEM FROM ALL SUCH CLAIMS.
• No indirect damages. IN NO EVENT WILL COILY BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY.
• Cap. COILY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED US DOLLARS ($100).
• Exceptions. Nothing in these Terms limits liability that cannot be limited by law, and some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
• Force majeure. Coily is not liable for delay or failure caused by events beyond its reasonable control, including outages of third-party platforms, natural disasters, epidemics, government action, or internet failures.

If your use of Coily gets us sued — for example, over a certificate your agency issued — you cover us.

You will defend, indemnify, and hold harmless Coily and its officers, employees, and contractors from and against claims, damages, and expenses (including reasonable attorneys' fees) arising from: (a) your Customer Content; (b) certificates issued through your account and your use of Output; (c) your violation of these Terms or of law; or (d) your violation of any third party's rights. We may assume the defense of any matter subject to indemnification, and you agree to cooperate.

You can leave anytime. We can suspend accounts that break the rules. Export your data before your workspace is deleted.

These Terms apply while you use the Service. You may stop using the Service and cancel at any time. We may suspend or terminate your access for material breach, non-payment after notice, or risk to the Service or other customers — with notice where reasonable. Upon termination your license ends; you can export your Customer Content beforehand, and workspace deletion permanently removes it as described in the Privacy Policy. Sections that by their nature survive (including 6, and 9 through 16) survive termination.

When these Terms change materially, we'll tell you before it matters.

We may update these Terms. For material changes we will give at least 30 days' notice by email or in-product notice before they take effect; continued use after the effective date constitutes acceptance. The "Last updated" date above always reflects the current version.

Talk to us first — most issues resolve in an email. If not, Florida law and Florida courts.

Before filing any claim, you agree to contact us at legal@trycoily.com and give us 30 days to work toward an informal resolution. These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules. Any dispute not resolved informally will be brought exclusively in the state or federal courts located in Florida, and each party consents to their jurisdiction. Either party may bring qualifying claims in small-claims court.

The standard plumbing: this is the whole agreement, unenforceable parts get severed, and you can't transfer it without asking.

These Terms, together with the Privacy Policy and any ordering documents, are the entire agreement between you and Coily regarding the Service. If any provision is found unenforceable, the rest remain in effect. A failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates a partnership, agency, or employment relationship. You consent to receive notices electronically at your account email.

Questions about these Terms: legal@trycoily.com. Support: hello@trycoily.com.

These Terms were last updated on July 22, 2026 (v1.1).