Pre-licence disclosure
Clara is currently building its licensed brokerage and market-access pathway. Insurance placement is not yet available through Clara. The current service organizes company-provided operating context, supports an expert risk review, and maintains a risk record; it is not insurance, legal, or regulatory advice.
Users of this service are account holders, not insurance clients, until a licensed pathway exists. A human reviewer — today, Lucas Barnes — reads the submitted snapshot and the named company website plus directly linked first-party public material before a reviewed risk record is released. A portable RISK.md export may also be made available.
Eligibility
You must be at least 18 and have authority to provide information about the company you describe. Do not create an account for a company you are not authorized to represent.
The service
Clara provides a persistent account and a structured risk intake. Account creation may be open, while release of a reviewed risk record is gated until a reviewer acts. There is no quote, binder, or placement through the current service.
Acceptable use
You may not use Clara to store malware, to upload other people’s confidential information without authority, or to attempt to bypass review, tenant isolation, rate limits, or authentication. You may not probe another account’s data. You may not present Clara outputs as a policy, quote, or coverage opinion.
Connected agents
If you connect a desktop agent, you direct Clara to disclose that company’s draft and, where granted, to accept draft updates from that application. The application may send retrieved information to its model provider. Connecting an agent does not attest, submit a review, or create an insurance client relationship. You are responsible for revoking access you no longer want. Clara may disable new connections without deleting the account.
Intellectual property
You own your inputs and the exports generated from them. Clara owns the interview, renderer, user interface, schemas, and the Clara name and design. You grant Clara a limited licence to store, process, and display your inputs in order to provide the service, including human review of submitted snapshots.
No professional advice
Outputs list facts you supplied and questions that remain open. They do not state whether coverage would respond, whether you are adequately insured, or what you should buy. They are not legal, tax, or licensed insurance advice.
Human review
Submitting a risk review queues a snapshot. Nothing is emailed or shown as released until a reviewer reads it. The reviewer may release the risk record, ask for more information, or reject it. Reviewer edits are still bounded by Clara’s prohibited-claim rules.
Availability
Clara is provided as-is. There is no service-level agreement in this version. We may pause new generation, change the interview, or take the service offline for maintenance or security.
Closing access
You may close online access in the product by typing CLOSE. Clara then disables that sign-in, revokes connected agents, and emails the address on the membership. Closing access does not cancel insurance coverage and does not erase the company record. A request to access, correct, or delete information can be sent to hello@clarainsure.com. Clara may suspend an account that violates these terms.
Limitation of liability
To the extent permitted by law, Lucas Barnes and Clara are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or business, arising from the service or from reliance on generated files. Aggregate liability for claims relating to the service is limited to one hundred Canadian dollars. Nothing here limits liability that cannot be limited under Ontario law.
Changes
We may update these terms. The current version is published at clarainsure.com/legal/terms. Continued use after a change constitutes acceptance. Material changes will be dated on this page.
Governing law
These terms are governed by the laws of Ontario, Canada, and the federal laws of Canada applicable there. English is the governing language.
Contact
Operator: Lucas Barnes. Email: hello@clarainsure.com. Site: clarainsure.com.