Terms of Service

1. Acceptance of Terms

These Terms of Service (the “Agreement”) constitute a binding legal contract between you (“User”, “Client User”, “Contractor”, or “you”) and Skyfury LLC (“Company”, “Skyfury”, “we”, or “us”). By accessing or using the COI Hound website (coihound.com), software platform, mobile web portals, APIs, or related administrative services (collectively, the “Services”), you agree to be bound by all terms, conditions, and disclaimers set forth herein.

If you are entering into this Agreement on behalf of a company, general contractor, partnership, or other legal entity, you represent and warrant that you have full legal authority to bind such entity to this Agreement. If you do not have such authority, or if you do not agree with these terms, you must not access or use the Services.

2. Nature of the Services & Scope of Use

COI Hound is a software-as-a-service (SaaS) platform designed to assist General Contractors and commercial builders with the administrative organization, tracking, and collection of standard insurance documentation, including standard ACORD 25 Certificates of Insurance provided by trade subcontractors and vendors.

The Services include:

• Generating passwordless magic upload links for trade subcontractors;
• Automated document text extraction and OCR (optical character recognition) parsing using artificial intelligence;
• Administrative dashboard comparison of extracted figures against contractor-selected threshold parameters;
• Automated expiration notifications and renewal reminder email drafting; and
• Exporting audit log summaries for internal recordkeeping.

3. Express Insurance & Professional Disclaimers

4. Subcontractor Upload Portal & Magic Links

When a Client User creates a subcontractor entry, COI Hound generates a unique, passwordless URL (“Magic Link”) enabling the designated subcontractor or broker to upload insurance documents directly to the platform.

• Client User Warranty: Client User represents that it has an active commercial or contractual relationship with any subcontractor invited to the platform, and has obtained all necessary rights and consents to provide the subcontractor’s contact information and request documentation.
• Vendor / Subcontractor User Warranty: Any party uploading a document through a Magic Link represents and warrants that: (a) it has lawful authority to provide the document; (b) the document is an authentic copy of an issued Certificate of Insurance; and (c) the uploaded file does not contain viruses, malware, or unlawful content.
• Link Confidentiality: While Magic Links are generated using cryptographic random tokens, Client User acknowledges that anyone in possession of the link can access the upload interface for that specific subcontractor profile. Client User is responsible for maintaining the confidentiality of links distributed to its vendors.

5. Communications, TCPA & CAN-SPAM Compliance

The Services include features that allow Client Users to dispatch renewal notifications, deficiency alerts, and emails to subcontractors and insurance brokers (“Hounding Notifications”).

Client User covenants that:

• All communications triggered through or drafted by the Services relate directly to ongoing contractual, job-site, or business relationships between Client User and the recipient;
• Client User shall not use the Services for unauthorized marketing, unsolicited commercial email, or spam in violation of the federal CAN-SPAM Act; and
• If Client User transmits SMS or text message links, Client User has obtained all necessary prior express consents required under the Telephone Consumer Protection Act (TCPA) and applicable state telemarketing laws, and shall immediately honor any opt-out or unsubscribe requests.

6. Intellectual Property & ACORD® Trademark Notice

Company Ownership: As between the parties, Skyfury LLC owns all right, title, and interest in and to the COI Hound platform, software, user interfaces, logos, graphics, and algorithms. Nothing in this Agreement grants you any ownership rights in our software.

Customer Data: Client User retains ownership of all proprietary data, subcontractor lists, and documents uploaded to the platform (“Customer Data”). Client User grants Skyfury LLC a non-exclusive, worldwide, royalty-free license to store, process, transmit, and display Customer Data solely to provide and maintain the Services.

Third-Party Trademarks: ACORD® is a registered trademark of the Association for Cooperative Operations Research and Development. COI Hound and Skyfury LLC are not affiliated with, sponsored by, or endorsed by ACORD. QuickBooks® is a registered trademark of Intuit Inc. myCOI® is a registered trademark of illumend. Procore® is a registered trademark of Procore Technologies, Inc. Any references to third-party marks on the Services are solely for nominative descriptive comparison.

7. Fees, Subscriptions & Cancellation

Subscription Tiers: Access to paid tiers of COI Hound (Builder Pro, Commercial GC, Unlimited Fleet) is billed on a recurring monthly or annual basis as specified during checkout or account activation.

Payment Processing: Payment processing is handled by third-party payment providers (e.g., Stripe). You agree to provide current, complete, and accurate billing information. Subscriptions automatically renew at the end of each billing cycle unless cancelled prior to renewal.

Cancellation & Refunds: You may cancel your subscription at any time through the dashboard or by emailing support@coihound.com. Cancellation takes effect at the conclusion of your then-current billing period. Fees paid are non-refundable except where required by applicable law.

9. Indemnification by User

You agree to defend, indemnify, and hold harmless Skyfury LLC, its affiliates, members, officers, employees, and agents from and against any and all third-party claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to:

1. Your use or misuse of the Services;
2. Any construction incident, bodily injury, property damage, or contractual dispute arising on or in connection with any job site, project, or contractor-subcontractor relationship;
3. The failure of any subcontractor or third party to maintain active, valid, or sufficient insurance, bonds, or endorsements;
4. Any decision by you to permit a subcontractor on a job site based in whole or in part on information displayed on the Services;
5. Any insurance audit penalty, fine, or premium adjustment levied against you; or
6. Your breach of any provision of this Agreement or violation of applicable laws.

10. Warranty Disclaimer — “AS IS”

THE SERVICES, INCLUDING ALL SOFTWARE, DOCUMENTATION, OCR PARSING OUTPUTS, BADGES, COMPLIANCE STATUSES, AND AI-GENERATED EMAIL TEXT, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. SKYFURY LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUSES OR DEFECTS.

11. Governing Law & Mandatory Binding Arbitration

Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law principles.

Arbitration: Any dispute, controversy, or claim arising out of or relating to this Agreement or the Services shall be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. Arbitration shall take place in Milwaukee County, Wisconsin, or remotely via videoconference.

Class Action Waiver: YOU AGREE THAT ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

12. Miscellaneous Provisions

• Entire Agreement: This Agreement, together with our Privacy Policy and Insurance Disclaimer, constitutes the entire and exclusive agreement between the parties concerning the Services.
• Severability: If any provision of this Agreement is held to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and all remaining provisions shall remain in full force and effect.
• Force Majeure: Skyfury LLC will not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, cloud provider outages, labor disputes, internet failures, or governmental orders.
• Modifications: We may revise these Terms from time to time. We will indicate the date of the latest revision at the top of this page. Your continued use of the Services following the posting of changes constitutes acceptance of those changes.