Terms & Conditions

Article 1: PurposeThe use of Corma’s SaaS services, including the insurance pricing service and all related features (the "Service"), is subject to these General Terms and Conditions of Use (the "Contract" or "Terms"). By accessing or using the Service, you ("User" or "Client") acknowledge that you have read, understood, and unreservedly accept these Terms. If you do not accept these Terms, you must immediately cease all use of the Service.
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Article 2: Definitions
‍For the purposes of this Contract, the following definitions apply:
‍User/Client: Any person or entity using the Service or accessing the Site, whether by signing a SaaS Agreement, accepting an order quote, or signing up for the Freemium version.
‍User Content: Any data, text, images, or other materials transmitted or uploaded by the User to the Site or Service.
‍Partner: A company with which Corma has a contractual agreement to collaborate in providing services to Users, in compliance with applicable competition laws.
‍Service: All services, features, and functionalities provided by Corma via the Site, including but not limited to software, dashboards, analytics, and integrations.
‍Member: A User who has registered and identified themselves on the Site.
‍Site: The website corma.io, the application app.corma.io and any related subdomains or applications.
‍Contract: These General Terms and Conditions of Use.
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Article 3: Access to Services
3.1 Scope of Access
‍The Site allows Users to:Access information about Corma’s software and services.Use a secure customer area (for registered Members).Contact Corma via chat or other designated channels.
‍3.2 Eligibility and RestrictionsThe Site is accessible free of charge to any User with internet access. All costs related to accessing the Service (e.g., hardware, software, internet connection) are the User’s responsibility.Non-Corma customers do not have access to services reserved for Corma customers.Corma customers may identify themselves using their email address as a login identifier.
‍3.3 Service Availability
‍Corma strives to ensure continuous, high-quality access to the Service but does not guarantee uninterrupted or error-free access.Corma shall not be liable for any force majeure events (as defined in Article 15) or third-party actions that result in network or server malfunctions.Access to the Service may be interrupted, suspended, or modified at any time without prior notice for maintenance, updates, or other operational reasons. Users waive any right to compensation for such interruptions.
‍3.4 User Obligations
‍Users agree to:Use the Service only for lawful purposes and in compliance with these Terms.Not engage in any of the following prohibited activities:Reverse engineering, decompiling, or disassembling the Service or its underlying technology.Scraping, crawling, or extracting data from the Service without Corma’s prior written consent.Uploading, transmitting, or sharing malicious content (e.g., viruses, malware) or illegal materials.Impersonating any person or entity or misrepresenting their affiliation with Corma.Interfering with or disrupting the Service, its servers, or networks.Harvesting or collecting information about other Users without consent.Using the Service to spam, harass, or defame any person or entity.Violating any applicable local, national, or international laws or regulations.

Article 4: Intellectual Property
4.1 Corma’s Intellectual Property
‍Corma retains all intellectual property rights (including copyrights, trademarks, and patents) in the Site, Service, and all related materials, including but not limited to:Text, images, logos, graphics, and design elements.Software, source code, and APIs.Databases, documentation, and user interfaces.The Site and its contents are protected under French and international intellectual property laws, including Articles L. 111-1 et seq. of the French Intellectual Property Code.
‍4.2 Permitted Use
‍Users may reproduce portions of the Site or Service solely for personal, non-commercial use, provided:Such use complies with Article L. 122-5 of the French Intellectual Property Code.No modifications are made to the content.Corma’s ownership and copyright notices are preserved.Prohibited Uses: Users may not copy, reproduce, republish, download, translate, adapt, modify, incorporate, broadcast, or transmit the Site or its contents (in whole or in part) for commercial, advertising, or informational purposes without Corma’s prior written consent.
‍4.3 User Content
‍Users retain all rights, title, and interest in their User Content.By uploading or submitting User Content, Users grant Corma a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to:Host, store, and display the User Content solely for the purpose of providing and improving the Service.Use User Content in aggregated, anonymized form for analytics, marketing, or promotional purposes (e.g., case studies, testimonials).Users warrant that:They own or have the necessary licenses to share the User Content.The User Content does not violate any third-party rights (e.g., copyright, privacy, trademark).The User Content does not contain illegal, defamatory, or harmful materials.

Article 5: Testimonials and Personality Rights
5.1 Testimonials
‍Clients may provide testimonials regarding their use of the Service.By submitting a testimonial, the Client irrevocably authorizes Corma to:
‍Disseminate the testimonial free of charge on the Site, social media, marketing materials, and third-party platforms.
‍Translate, modify, or adapt the testimonial (e.g., for formatting, technical constraints, or clarity).Use the testimonial worldwide and in perpetuity for promotional purposes.
‍5.2 Use of Personality Rights
‍Clients authorize Corma to use, free of charge:Their name, logo, and image (e.g., profile pictures, company branding) associated with their Client account.This authorization applies globally and for the duration of the Client’s subscription to the Service, unless revoked in writing. Clients warrant that they have obtained all necessary consents and authorizations from any third parties (e.g., employees, contractors) whose names, images, or voices appear in testimonials.

Article 6: Data Protection and Privacy
6.1 Compliance with Applicable Laws
‍Corma processes User Data (as defined in Corma’s Privacy Policy) in compliance with:The General Data Protection Regulation (GDPR) (EU 2016/679).The French Data Protection Act (Loi Informatique et Libertés).Other applicable data protection laws in the User’s jurisdiction.
‍6.2 User Rights
‍Users have the following rights regarding their personal data:Right to Access: Request a copy of their personal data held by Corma.Right to Rectification: Request corrections to inaccurate or incomplete data.Right to Erasure: Request deletion of their personal data, subject to legal retention requirements.Right to Restrict Processing: Request limitations on how their data is processed.Right to Data Portability: Request their data in a machine-readable format.Right to Object: Object to processing for direct marketing or legitimate interest purposes.To exercise these rights, Users may contact Corma at privacy@corma.io.
‍6.3 Data Retention and Deletion
‍User Data is retained only for as long as necessary to provide the Service or as required by law.Upon termination of the User’s account or withdrawal of consent, User Data will be deleted or anonymized within 30 days, unless legal obligations require longer retention.
‍6.4 Security
‍Corma implements industry-standard security measures (e.g., encryption, access controls) to protect User Data.Users are responsible for:Maintaining the confidentiality of their login credentials.Ensuring their devices and networks are secure when accessing the Service.Corma disclaims all liability for breaches caused by User negligence (e.g., sharing passwords, using unsecured networks).

Article 7: Liability and Disclaimers
7.1 Disclaimer of WarrantiesThe Service is provided "AS IS" and "AS AVAILABLE" without any warranties, express or implied, including but not limited to:Merchantability or fitness for a particular purpose.Non-infringement of third-party rights.Accuracy, reliability, or completeness of the Service or its content.Corma does not warrant that the Service will be error-free, uninterrupted, or secure.
‍7.2 Limitation of LiabilityTo the fullest extent permitted by law, Corma’s total liability arising out of or related to these Terms or the Service shall not exceed the total fees paid by the User to Corma in the 12 (twelve) months preceding the claim.Corma shall not be liable for any:Indirect, incidental, special, consequential, or punitive damages, including but not limited to:Loss of profits, revenue, data, or business opportunities.Business interruption or reputational harm.Costs of substitute services or products.Force majeure events (as defined in Article 15).Third-party actions or content, including but not limited to:Links to external websites (see Article 8).Integrations with third-party services or APIs.
‍7.3 Indemnification
‍Users agree to indemnify, defend, and hold harmless Corma, its affiliates, directors, officers, employees, and agents from and against any third-party claims, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from:User’s breach of these Terms.User’s misuse of the Service.User’s violation of applicable laws or regulations.User’s infringement of third-party rights (e.g., intellectual property, privacy).User’s User Content or conduct.

Article 8: Hypertext Links
‍The Site may contain hypertext links to third-party websites or resources.Corma does not control and is not responsible for:The content, accuracy, or legality of linked websites.The privacy practices or security of third-party sites.Users access third-party links at their own risk and acknowledge that Corma disclaims all liability related to such links.

Article 9: Service Modifications
‍Corma reserves the right to:Modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice.Add, remove, or change features, functionalities, or content.Corma will notify Users of material changes via:Email (to the address associated with the User’s account).Website announcements (e.g., banners, blog posts).Continued use of the Service after such notice constitutes acceptance of the changes.

Article 10: Payment Terms
10.1 Fees and Billing
‍Some features of the Service may require payment of fees (e.g., premium subscriptions, add-ons).Fees are billed in advance and are non-refundable, unless otherwise stated in a separate agreement.Users are responsible for all applicable taxes (e.g., VAT) in addition to the listed fees.
‍10.2 Payment Methods
‍Users may pay via credit/debit card, bank transfer, or other methods accepted by Corma.Users authorize Corma to charge their payment method for all applicable fees.
‍10.3 Price Changes
‍Corma reserves the right to modify pricing at any time.Users will be notified of price changes at least 30 days in advance.Continued use of the Service after the effective date of a price change constitutes acceptance of the new pricing.
‍10.4 Non-Payment
‍If a User fails to pay fees when due, Corma may:
‍Suspend or terminate the User’s access to the Service.
‍Charge late fees (e.g., 1.5% per month or the maximum allowed by law).
‍Pursue legal action to recover unpaid amounts.

Article 11:
Termination11.1 Termination by Corma
‍Corma may terminate or suspend a User’s access to the Service immediately and without notice for:Breach of these Terms (e.g., prohibited activities, non-payment).Inactivity (e.g., no login for 12 consecutive months).Fraudulent or abusive conduct.Legal or regulatory requirements.
‍11.2 Termination by User
‍Users may terminate their account at any time by providing written notice to Corma at least 30 days prior to the renewal date. Otherwise, the contract will automatically renew for the same term.Termination requests must be submitted via:Email to support@corma.io.Account settings (if applicable).Termination is effective at the end of the current billing period unless otherwise specified.
‍11.3 Effects of TerminationUpon termination:User’s access to the Service will be revoked.User Content may be deleted or anonymized within 30 days, unless legal obligations require retention.Surviving Clauses: The following articles remain in effect:Article 4 (Intellectual Property)Article 6 (Data Protection)Article 7 (Liability and Indemnification)Article 12 (Confidentiality)Article 14 (Governing Law and Dispute Resolution)
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Article 12: Confidentiality
Corma’s Confidential Information: Includes non-public business, technical, or financial information related to Corma’s operations, products, or strategies.
‍User’s Confidential Information: Includes non-public data or materials provided by the User to Corma.Both parties agree to:
‍Maintain the confidentiality of the other party’s Confidential Information.Not disclose Confidential Information to third parties without prior written consent.Use Confidential Information solely for the purpose of performing obligations under these Terms.Confidentiality obligations survive termination of these Terms.

Article 13: Third-Party Services and Integrations
‍The Service may integrate or link to third-party services, APIs, or tools (e.g., payment processors, identity providers).Corma does not endorse, control, or assume responsibility for:
The availability, accuracy, or reliability of third-party services.The privacy practices or security of third-party providers.
Users acknowledge and agree that:Their use of third-party services is governed by the third party’s terms and policies.
Corma disclaims all liability for any issues arising from third-party services.

Article 14: Governing Law and Dispute Resolution
14.1 Governing Law
‍These Terms are governed by and construed in accordance with the laws of France, without regard to its conflict of law principles.
‍14.2 Dispute ResolutionInformal Negotiation: Parties agree to attempt to resolve disputes informally through good-faith negotiations.Binding Arbitration:Any unresolved disputes shall be resolved by binding arbitration in Paris, France, under the rules of the International Chamber of Commerce (ICC).Arbitration shall be conducted in French or English, at Corma’s discretion.The arbitrator’s decision shall be final and binding.Class Action Waiver:Users waive their right to participate in a class-action lawsuit or class-wide arbitration against Corma.All disputes shall be resolved individually.
‍14.3 JurisdictionNotwithstanding the above, Corma retains the right to seek injunctive relief in the courts of Paris, France, to prevent irreparable harm (e.g., intellectual property infringement, unauthorized access).

Article 15: Force Majeure
‍Corma shall not be liable for any failure to perform its obligations under these Terms due to force majeure events, including but not limited to:
‍Natural disasters (e.g., earthquakes, floods, fires).
‍Government actions (e.g., wars, embargoes, sanctions).Cyberattacks, hacking, or DDoS attacks.Strikes, labor disputes, or civil unrest.Pandemics or health crises.Internet or utility outages beyond Corma’s control.If a force majeure event persists for more than 30 days, either party may terminate these Terms without liability.

Article 16: Assignment
Corma’s Right to Assign: Corma may assign or transfer these Terms (or any rights or obligations hereunder) without User consent, including in connection with a merger, acquisition, or sale of assets.User’s Restriction: Users may not assign or transfer these Terms (or any rights or obligations hereunder) without Corma’s prior written consent.

Article 17: Severability
‍If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator, the remaining provisions shall remain in full force and effect.The parties agree to replace the invalid provision with a valid, enforceable provision that most closely reflects the original intent.

Article 18: Survival
‍The following articles shall survive termination of these Terms:Article 4 (Intellectual Property)Article 6 (Data Protection)Article 7 (Liability and Indemnification)Article 12 (Confidentiality)Article 14 (Governing Law and Dispute Resolution)

Article 19: Miscellaneous
19.1 Entire AgreementThese Terms (including any referenced policies, e.g., Privacy Policy) constitute the entire agreement between Corma and the User and supersede all prior agreements or understandings.
‍19.2 Amendments
‍Corma reserves the right to modify these Terms at any time.Users will be notified of changes via:Email (to the address associated with the User’s account).Website announcement (e.g., updated Terms page).Continued use of the Service after the effective date of changes constitutes acceptance of the modified Terms.
‍19.3 No Waiver
‍Corma’s failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
‍19.4 Headings
‍The headings in these Terms are for convenience only and do not affect their interpretation.
‍19.5 Contact Information
‍For questions or concerns regarding these Terms, Users may contact Corma at:
‍Email: contact@corma.io
‍Address: 90 Avenue Mozart, 75016 Paris.

Article 20: Anti-Spam and Marketing Communications
‍Users consent to receive communications from Corma, including:
‍Service-related announcements (e.g., updates, maintenance notices).
‍Marketing materials (e.g., newsletters, promotions).Users may opt out of marketing communications at any time by:
‍Unsubscribing via the link in Corma’s emails.
‍Contacting Corma at unsubscribe@corma.io.
Corma complies with all applicable anti-spam laws, including:GDPR (for EU Users) and CAN-SPAM Act (for U.S. Users).

Article 21: Jurisdiction-Specific Compliance
‍Users agree to comply with all local, national, and international laws applicable to their use of the Service, including but not limited to:Data protection laws (e.g., GDPR, CCPA).Export control laws (e.g., U.S. EAR, EU Dual-Use Regulation).Industry-specific regulations (e.g., financial services, healthcare).Users warrant that their use of the Service does not violate any such laws.

Article 22: Language
‍These Terms are drafted in English and French.In the event of any conflict between the English and French versions, the English version shall prevail.