1. Agreement and eligibility
These Terms of Service (“Terms”) are an agreement between you and Ansa Benefits (“Ansa,” “we,” “us,” or “our”). They govern your use of the Ansa website, application, APIs, and related services (collectively, the “Services”). By accessing or using the Services, you agree to these Terms. If you use the Services for an organization, you represent that you have authority to accept these Terms for that organization, and “you” includes that organization.
You must be legally able to enter into this agreement. The Services are intended for business and professional use, not for personal medical care or emergency services.
2. The Services
Ansa provides software that helps benefits brokers and benefits teams organize information, understand plan materials, manage benefits workflows, and respond to requests. Features may include mailbox and calendar connections, document processing, search, summaries, recommendations, drafts, and other AI-assisted workflow tools.
We may change, improve, suspend, or discontinue features. Some features may be subject to additional terms, usage limits, product documentation, or customer-specific configuration.
3. Accounts and connected services
You are responsible for keeping account information accurate, safeguarding credentials, and promptly notifying us of suspected unauthorized access. You are also responsible for the actions of users you invite or authorize.
If you connect Google, Microsoft, Nylas, or another third-party service, you authorize Ansa to access and use the data and permissions you approve to provide the requested functionality. Third-party services remain subject to their own terms and privacy policies. You can disconnect a mailbox from Ansa or revoke the applicable grant through the provider, subject to any information already processed under your agreement with Ansa.
4. Customer content
“Customer Content” means information, documents, messages, attachments, prompts, and other material submitted to the Services by or for you. As between you and Ansa, you retain your rights in Customer Content. You grant Ansa a limited, non-exclusive license to host, copy, transmit, analyze, modify as technically necessary, and otherwise process Customer Content as needed to provide, secure, support, and improve the Services, as permitted by your agreement and applicable law.
You represent that you have the rights, permissions, and lawful basis needed to submit Customer Content and direct Ansa to process it. You are responsible for its accuracy, legality, and appropriateness, and for reviewing outputs before relying on them.
5. AI-assisted features and outputs
The Services may generate or assist with classifications, summaries, extracted facts, drafts, suggested actions, and other outputs (“Outputs”). Outputs are provided as workflow assistance, may be wrong or incomplete, and are not a substitute for review by a qualified benefits professional, attorney, tax adviser, clinician, or other appropriate expert.
You must independently verify plan terms, eligibility, rates, deadlines, legal requirements, employee communications, and any other material fact before acting. Ansa does not make medical, legal, tax, insurance, fiduciary, or employment decisions for you. You remain responsible for decisions and communications made using the Services.
6. HIPAA and protected health information
If you are a HIPAA covered entity or business associate, you may use the Services to create, receive, maintain, or transmit protected health information (“PHI”) only when the applicable Ansa product and written agreement expressly permit that use and the parties have entered into a Business Associate Agreement (“BAA”) when required by HIPAA.
Unless expressly authorized in writing, you must not submit PHI to the Services. A BAA does not make every Ansa feature, third party integration, model, or configuration eligible for PHI. You must follow the applicable BAA, product documentation, security requirements, and instructions, including any restrictions on subprocessors, retention, access, or data residency.
You are responsible for determining whether HIPAA or another privacy law applies, providing required notices, obtaining required permissions, using the minimum necessary information, configuring user access, and training your workforce. Ansa does not provide legal or compliance advice, and these Terms are not a BAA.
7. Acceptable use
You may not use the Services to:
- break the law or violate another person’s rights;
- access, disclose, or process information without the required authorization;
- send spam, phishing messages, malware, or other harmful or deceptive material;
- interfere with the Services, bypass access controls, probe or scan systems, or attempt to extract source code or model components;
- use Outputs as the sole basis for medical diagnosis, treatment, employment, insurance eligibility, or other high-impact decisions; or
- resell, sublicense, or make the Services available to others except as permitted by your agreement with Ansa.
8. Fees and orders
Fees, billing frequency, usage limits, renewal, and termination terms are stated in the applicable order form or other written commercial agreement. Unless that agreement says otherwise, fees are non-refundable except where required by law. You are responsible for applicable taxes other than taxes on Ansa’s net income.
9. Ownership and feedback
Ansa and its licensors own the Services, software, documentation, designs, and related intellectual property. Except for the limited rights expressly granted in these Terms or a written agreement, no rights are transferred to you. Ansa names, logos, and product marks are owned by Ansa or its licensors.
If you provide suggestions or feedback, you allow Ansa to use it without restriction or payment, provided that Ansa does not use your confidential information or identify you as the source without permission.
10. Confidentiality and security
Each party will protect the other party’s non-public information using reasonable care and will use it only to perform or receive the Services, comply with law, or exercise rights under the parties’ agreement. This does not apply to information that is public without breach, already known without a duty of confidentiality, independently developed, or lawfully received from another source.
Ansa maintains administrative, technical, and organizational safeguards designed for the Services. You are responsible for your own devices, accounts, configurations, connected services, and user permissions.
11. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” ANSA DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. ANSA DOES NOT WARRANT THAT THE SERVICES WILL MEET EVERY REQUIREMENT, PRESERVE EVERY CUSTOMER RECORD, OR PRODUCE ACCURATE OR COMPLETE OUTPUTS.
The Services are not emergency, medical, legal, tax, insurance, or financial advice. You must maintain appropriate human review and independent records for important decisions.
12. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANSA WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, BUSINESS OPPORTUNITY, OR DATA, ARISING FROM OR RELATED TO THE SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANSA’S TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICES WILL NOT EXCEED THE FEES PAID OR PAYABLE TO ANSA FOR THE SERVICES DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. This section does not limit liability that cannot lawfully be limited or any different limit stated in a signed agreement.
13. Suspension and termination
We may suspend or limit access when reasonably necessary to protect the Services, users, or information; address a security incident; comply with law; or address a material breach. You may stop using the Services at any time, subject to payment and other obligations in your commercial agreement. On termination, access ends and Customer Content is handled according to the applicable agreement, instructions, and legal requirements.
14. General terms
Neither party may assign these Terms except to an affiliate or in connection with a merger, reorganization, or sale of substantially all assets. Neither party is liable for delay caused by events beyond reasonable control. If a provision is unenforceable, the remaining provisions remain in effect. These Terms and the applicable written commercial agreement are the entire agreement about the Services and supersede conflicting prior discussions. Ansa may update these Terms by posting a revised version and updating the effective date; material changes will be notified as appropriate.
Questions about these Terms can be sent to hello@ansa.health or by mail to Ansa Benefits, 1860 Jackson St, San Francisco, CA.