Terms of use

1. Who operates the service and who may use it

The Commika service is operated by [[להשלמה: שם הישות המשפטית]] (number [[להשלמה: מספר חברה או עוסק מורשה]]), [[להשלמה: כתובת]]. Hereinafter: “we”.

The service is intended for insurance agents and agencies. To use it you must be at least 18 years old. If you use the service on behalf of an agency, you represent that you are authorized to bind it to these terms.

2. Description of the service

The service includes, or will include once launched:

• A desktop app that recognizes the monthly commission reports you downloaded from insurers’ websites, compares each report with the previous month’s report and finds gaps: commissions that disappeared, dropped, changed rate or were clawed back;
• AI that suggests how to match the columns of the reports (and you confirm), explains each gap and marks its priority, and a second checker, also AI, that re-checks each finding;
• Draft letters to insurers;
• A phone app that shows results, notifications and a calendar;
• A free web demo.

Some of the features are still in development and are marked on the site as “coming soon”. We may add, change or discontinue features, as detailed in the section on availability and changes.

3. Findings are gaps to check, not proof of an error

The service shows gaps between commission reports of consecutive months. A gap is a reason to check, and not a determination that the insurer made a mistake or that it owes you money. Many gaps have a legitimate explanation, for example a cancelled policy, a change in the agreement or the rate, a justified clawback, or a difference in the reporting period.

• We do not promise that the service will find all the gaps, nor that a gap that is found is an error.
• We do not promise that you will receive any money as a result of using the service.
• The explanations and checks are made by AI, which can make mistakes, even when there is a second checker.
• Amounts, differences and thresholds are calculated in code, but they too are based on the reports you uploaded, and if the reports are wrong or partial, the results will be too.

The service is not legal, insurance, pension or accounting advice.

4. Account and sign-in

• You sign in to the service with your Google, Apple or Microsoft account. There are no passwords. You are responsible for the security of the account with the provider and for every action taken through it.
• Do not let others use your account. If you suspect unauthorized use, notify us immediately.
• The details you provide must be correct and up to date.
• In an agency, owners and managers have broader permissions than agents. The owner is responsible for the permissions they grant.
• You can delete the account at any time, directly from the app.

5. User responsibility

• You are responsible for checking each finding against the insurer’s data before you act on it or contact the insurer.
• You decide what to send. Every letter is sent at your discretion and on your responsibility, and even if it was drafted with the help of the service, you must read it and edit it as needed.
• You represent that you have the right to use the reports you upload or process, and that using them in the service does not breach an agreement with an insurer, a portal’s terms of use or the law.
• You are responsible for your clients and for the information about them, including the obligations under the Privacy Protection Law (see the privacy policy). Do not enter identifying details of clients into free-text fields.
• You are responsible for the security of your computer and devices, for updates, and for backups of the data stored with you.
• You are responsible for complying with the legal and regulatory requirements that apply to your work as an insurance agent.

6. Permitted and prohibited use

It is prohibited to:

• use the service for an unlawful purpose or to harm others;
• try to bypass the privacy protection mechanisms, for example in order to send clients’ identifying information to the server;
• upload to the service files that are not commission reports of your own agency;
• decompile, reverse engineer or copy the software, except to the extent that the law expressly permits it;
• try to break into the service, test its security without written permission, or load it in a way that disturbs others;
• sell, rent or transfer access to the service to another person;
• use the service to build a competing service.

A breach of this section allows us to suspend or block access, as detailed in the section on termination of use.

7. License and intellectual property

• We grant you a personal, limited, non-exclusive, non-transferable and revocable license to install the apps and use the service under these terms, for your own business work.
• The software, design, name and content of the service belong to us or to those who authorized us to use them. No ownership of them is transferred to you.
• Your reports and data remain yours. You give us permission to process the coded data only in order to provide you with the service, including through sub-processors such as the AI provider.
• We may use comments and suggestions you send us to improve the service, without payment.

8. AI and letters

• Every output of the AI, an explanation, a priority rating or a draft letter, is a suggestion for you to review and not a decision.
• You can switch the AI off in the agency settings. Then no request is sent to it, and the columns are chosen manually.
• We are not a party to your correspondence with insurers, and we will not send anything to them on your behalf without an action by you.
• Real policy numbers are filled into the letter on your device. You must make sure the final letter is correct before sending it.
• The names of the insurers that appear in the service belong to them. We have no commercial relationship with them, unless expressly stated otherwise.

9. Prices, billing and benefits

As of the time the draft was written, there is no payment option on the site. Joining the waitlist is not a purchase, not a charge and not a commitment to buy.

The plans

Prices are per month, and VAT is added to all of them as required by law:

• Basic, ₪99 per month: up to 3 insurers, monthly comparison, notifications and letters, without AI analysis.
• Professional, ₪199 per month: all insurers, AI explanations and a second checker, letters, a phone app and a calendar.
• Success-based, ₪49 per month plus 10% of the commissions recovered thanks to Commika. The calculation is made on gaps confirmed by the insurer. How reporting and calculation work: [[להשלמה: אופן הדיווח והחישוב של דמי ההצלחה]]

The content of the plans is as shown on the site at the time of sign-up. The web demo is free.

Benefit for waitlist sign-ups

Whoever joins the waitlist gets the first 2 months free. Terms of the benefit: [[להשלמה: תנאי הטבת החודשים החינם לנרשמים לרשימת ההמתנה (תוקף ואופן מימוש)]]

Billing, payment provider and cancellation

• Payment provider: [[להשלמה: פרטי ספק התשלומים]]
• Billing and cancellation terms: [[להשלמה: תנאי חיוב וביטול]]
• We will give advance notice of a change in prices.

10. Availability and changes to the service

• The service is provided “as is”. We make a reasonable effort to keep it available and working, but we do not promise that it will not be interrupted or that it will be free of faults.
• The service relies on external providers, such as hosting, AI and sign-in services. A fault on their side may affect the service.
• We may update, change or discontinue features, and suspend the service for maintenance. We will try to give advance notice of a material change.
• The free demo is provided for demonstration only, and we may change or discontinue it at any time.

11. The free demo

• Access to the demo is given through a personal link. Do not pass it on to others. We may block a link at any time.
• Do not upload to the demo files that are not commission reports of your own agency.
• The demo shows gaps to check and does not determine that a mistake was made. Some gaps have a legitimate explanation.
• The responsibility to check the findings against the insurer, and to decide what to send, is the user’s.

12. Limitation of liability

To the maximum extent permitted by law:

• We are not liable for indirect or consequential damage, for loss of profits or commissions, for loss of data or for harm to reputation, nor for decisions you made or actions you took on the basis of the findings, explanations or letters.
• We are not liable for the content of the insurers’ reports, for their accuracy or availability, nor for the actions of insurers, sub-processors or other parties that are beyond our control.
• Our total liability to you for any cause of action related to the service is limited to the following amount: [[להשלמה: תקרת האחריות]].

Nothing in these terms limits liability that cannot be limited under the law, or harms rights that the law grants you and that cannot be waived by agreement.

13. Termination of use and suspension

• You may stop using the service and delete the account at any time.
• We may suspend or block access, immediately and without prior notice, if these terms were breached or if there is a concern of harm to security or to others.
• When use ends, your license ends. Sections that by their nature are meant to continue to apply, such as the limitation of liability and the governing law, will continue to apply.

14. Privacy and cookies

The use of your information is governed by the privacy policy, and the storage on the site is governed by the cookie policy. Both are part of these terms.

15. Changes to the terms

We may update the terms. We will give advance notice of a material change in the app or by email, and will update the date at the top of the page. Continued use of the service after the change takes effect is agreement to the updated terms. If you do not agree, you may stop using the service and delete the account.

16. Governing law and jurisdiction

These terms and the use of the service are governed solely by the laws of the State of Israel. The competent courts in the city of [[להשלמה: עיר]] will have exclusive jurisdiction over any matter relating to them.

17. Contact

• Email: [[להשלמה: דוא״ל ליצירת קשר]]
• Phone: [[להשלמה: טלפון]]
• Address: [[להשלמה: כתובת]]