Your use of this site and of the portal constitutes your agreement to these
terms, whether or not you hold an account. Please read them before you continue.
Updated 14 September 2026
These Terms of Service ("Terms") govern access to and use of the website at medireader.com and the MediReader underwriting portal, together with all related applications, reports, calculators, data and services (the "Service"). The Service is provided by MediReader.com, an Alpha Ventures Holdings company ("MediReader", "we", "us" or "our").
1. Acceptance of these Terms
By accessing, browsing or using any part of the Service, by creating an account, or by submitting any information or document to the Service, you accept these Terms and agree to be bound by them. Use of the site and the portal constitutes agreement to these Terms whether or not you register an account and whether or not you tick a box recording your acceptance. If you do not agree, do not use the Service.
If you use the Service on behalf of a company, fund, trust, partnership or other entity, you represent that you are authorised to bind that entity, and "you" means both you and that entity.
We may revise these Terms at any time. A revision takes effect when it is posted on the Service, and your continued use after it is posted is your acceptance of it.
2. Eligibility and accounts
You must be at least 18 years old and legally capable of entering into a contract. You agree to give accurate registration information and to keep it current. An account is issued to a named individual and may not be shared. You are responsible for everything done under your account or with your credentials, including anything done by a person you allow to use your seat, and you must tell us promptly at the address in section 15 if you believe your account has been compromised.
We may suspend or terminate an account at any time, with or without notice, for any reason, including suspected misuse, non-payment, or conduct we consider harmful to the Service, to other users or to us.
3. What the Service is, and what it is not
The Service produces medical summaries, life expectancy estimates, mortality output, document extractions, policy data, pricing models and other analysis from the records and inputs supplied to it (the "Output"). All Output is informational and is generated by automated systems, including artificial intelligence models, statistical methods and third party data sources.
Output is not medical advice, not a medical diagnosis, not underwriting by a licensed insurer, not an appraisal, not a valuation opinion, not accounting or tax advice, not legal advice and not investment advice. Nothing on the Service is an offer or a solicitation to buy or sell any security, insurance policy, or interest in any fund or programme. Neither these Terms nor your use of the Service creates any fiduciary, advisory, brokerage or agency relationship between you and us.
Life expectancy estimates are probabilistic. Any individual outcome may differ materially from any estimate, and many will. Output may contain errors, omissions, or misreadings of a source document, and automated analysis of medical records is inherently imperfect. You are solely responsible for checking Output against the underlying records and for every decision you take. You agree that you will not treat the Service as the sole basis for acquiring, pricing, holding or disposing of any policy or other asset, and that you will obtain your own independent professional review before you do so.
4. Your content and your obligations
"Your Content" means the medical records, policy documents, illustrations, case data, notes, assumptions and any other material that you or your seats upload to or enter into the Service. You keep ownership of Your Content.
You represent and warrant that you hold every authorisation, consent and legal right needed to collect Your Content, to disclose it to us, and to have it processed by the Service, including each authorisation required under the Health Insurance Portability and Accountability Act, under state privacy and insurance statutes, and under any other applicable data protection law. You are solely responsible for the lawfulness of Your Content and for the accuracy and completeness of what you submit, and you will not upload material you are not entitled to disclose.
You grant us a limited licence to host, copy, transmit, display and process Your Content in order to operate the Service, provide support, produce Output for you, meet a legal obligation, and maintain the security and integrity of the platform. We do not sell Your Content, and we do not use it to market to the individuals identified in it.
You will not use the Service in breach of any law; attempt to identify an individual from de-identified data; reverse engineer, scrape or copy the Service or the Output in order to build a competing product; probe or interfere with the security of the platform; upload malicious code; or resell, sublicense or redistribute Output other than as part of your own internal or client work on the transaction for which it was produced.
5. Confidentiality, security and consumer interests
We treat Your Content and the contents of your portal as confidential. We will not disclose Your Content, or your case, portfolio or pricing information, to any third party, except: (a) to the service providers and subcontractors that host or operate parts of the platform, who are bound by confidentiality obligations and receive only what is needed to run the Service; (b) to a person you designate or invite, including a seat on your account, a group you join, and a counterparty you contact through a marketplace or messaging feature; (c) where you have published or listed the information yourself; (d) where a law, subpoena, court order or regulatory demand requires it, or where it is necessary to enforce these Terms or to protect rights or safety; and (e) in connection with a merger, financing or sale of assets, subject to confidentiality.
We will use commercially reasonable best efforts to safeguard Your Content. Those efforts include encryption in transit and at rest, access controls, strong authentication, activity logging, and administrative and physical safeguards appropriate to the sensitivity of the data. We act in good faith to protect the interests of the consumers whose records pass through the platform, and we will cooperate with you in answering any privacy enquiry that concerns them.
You acknowledge that no system is perfectly secure. We do not warrant that Your Content cannot be lost, accessed, altered, intercepted or disclosed as a result of a criminal act, a flaw in software or hardware we do not control, an act of a third party, or a failure at a hosting, network or other supplier. Except in the case of our own wilful misconduct we are not liable for such an event, and sections 7, 8 and 9 govern any claim arising out of one.
Features that disclose information by design, including listing a case for sale, sharing a case with a group, and messaging a counterparty, disclose what you choose to disclose through them. You are responsible for what you publish and send.
6. Fees and billing
Fees, subscription charges, per case charges and trial terms are as described on the Service at the time of purchase. Charges are billed in advance through our payment processor, are non-refundable except where a law requires otherwise, and are exclusive of tax. A subscription renews automatically for successive periods unless it is cancelled before the renewal date. We may change pricing on notice, taking effect from your next billing period. Unused credits, trial days and unlock entitlements have no cash value and lapse on termination. You authorise us to charge the payment method on file for all amounts due.
7. Disclaimer of warranties
THE SERVICE, THE OUTPUT AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND QUIET ENJOYMENT, AND ANY WARRANTY ARISING FROM A COURSE OF DEALING OR A USAGE OF TRADE.
We do not warrant that the Service will be uninterrupted, timely or error free, that a defect will be corrected, that Output will be accurate, complete, current or fit for any purpose, that any life expectancy estimate will prove correct, or that the Service will be free of harmful components. No advice or information you obtain from us or through the Service creates any warranty that is not expressly stated in these Terms.
8. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER WE NOR OUR PARENT, AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, LICENSORS OR SUPPLIERS WILL HAVE ANY LIABILITY FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFIT, LOST REVENUE, LOST OR CORRUPTED DATA, LOST OR MISSED BUSINESS OR INVESTMENT OPPORTUNITY, DIMINUTION IN VALUE, TRADING OR PORTFOLIO LOSS, COST OF A SUBSTITUTE SERVICE, BUSINESS INTERRUPTION OR REPUTATIONAL HARM, ARISING OUT OF OR RELATING TO THE SERVICE, THE OUTPUT OR THESE TERMS, WHETHER THE CLAIM IS FRAMED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE OR ANY OTHER THEORY, AND WHETHER OR NOT WE WERE ADVISED THAT SUCH DAMAGES WERE POSSIBLE.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU ACTUALLY PAID US FOR THE SERVICE IN THE THREE MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED UNITED STATES DOLLARS.
These limits apply to every claim, including a claim founded on an error in Output, an inaccurate life expectancy estimate, a misread or omitted record, a pricing or calculator result, the loss or destruction of data, unavailability of the Service, unauthorised access to Your Content, or a decision that you or anyone else took in reliance on the Service. They apply even if a limited remedy is found to have failed of its essential purpose, and they allocate risk between us in exchange for the fees charged. Where a jurisdiction does not allow one of these exclusions, our liability there is limited to the smallest amount the law permits.
9. Events beyond our control
We are not liable for any delay, failure, interruption, loss of data or damage caused directly or indirectly by an event beyond our reasonable control. Such events include an act of God, fire, flood, hurricane, earthquake, severe weather or other natural disaster; war, invasion, hostilities, terrorism, insurrection, civil disorder, riot or sabotage; epidemic, pandemic or public health emergency; strike, labour dispute or shortage of materials or personnel; an act of government, embargo, sanction, change of law, court order or regulatory action; the failure, outage, degradation or breach of any utility, telecommunications carrier, internet backbone, cloud hosting provider, payment processor, artificial intelligence provider, data supplier or other third party service on which the Service depends; a cyberattack, ransomware, denial of service attack or other criminal act of a third party; and a defect in software or hardware we did not create. An obligation affected by such an event is suspended for as long as the event continues.
10. Indemnity
You will indemnify, defend and hold harmless MediReader, our parent and affiliates, and their officers, directors, members, employees and agents, against every claim, demand, action, proceeding, loss, liability, damage, judgment, settlement, fine, penalty, cost and expense, including reasonable legal fees, arising out of or relating to Your Content; your use of the Service or of the Output; any decision taken by you or by a person to whom you gave Output; your breach of these Terms or of a representation in them; your breach of any law or of the rights of a third party, including a privacy, publicity or intellectual property right; and any claim by an insured, policy owner, beneficiary, carrier, regulator or counterparty concerning records or information you submitted or a transaction you conducted. We may take over the defence of a matter subject to this indemnity at your expense, and you will not settle a matter in a way that imposes any obligation on us without our written consent.
11. Intellectual property
The Service, including its software, models, rulebooks, mortality methodologies, interfaces, text, design and trade marks, belongs to us or to our licensors and is protected by intellectual property law. Subject to these Terms and to payment of the applicable fees, we grant you a limited, revocable, non-exclusive and non-transferable licence to access the Service and to use Output for your own internal business purposes and for the transactions to which it relates. All other rights are reserved. Feedback and suggestions you send us may be used without restriction and without compensation.
12. Term, termination and what survives
These Terms apply for as long as you use the Service. You may stop using the Service at any time, and may cancel a subscription as described in the portal. On termination your licence ends immediately, we may disable access to your account, and after a reasonable period we may delete Your Content and any Output. You are responsible for exporting anything you wish to keep before termination. We are under no obligation to retain data after termination and have no liability for its deletion. Sections 3, 4, 5, 7, 8, 9, 10, 11, 13 and 14 survive termination.
13. Governing law, venue and claims
These Terms, and any dispute arising out of or relating to them or to the Service, are governed by the law of either the State of Delaware or the State of Florida, as we elect in our sole discretion, without regard to its conflict of laws rules. You consent to the jurisdiction and venue of the state and federal courts sitting in the state we elect, and you waive any objection to that venue or to personal jurisdiction in those courts, including any objection based on forum non conveniens. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
A claim must be brought within one year after it arises, and a claim not brought within that period is permanently barred. Each party waives any right to trial by jury. You may bring a claim only on your own behalf, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding, and claims may not be consolidated without our written consent.
14. General
These Terms, together with the order or plan terms shown to you at purchase, are the entire agreement between us on this subject and replace all earlier discussions. If a provision is held unenforceable it will be enforced to the greatest extent permissible and the rest of these Terms will remain in force. A failure to enforce a provision is not a waiver of it. You may not assign these Terms without our written consent, and we may assign them freely, including to an affiliate or to an acquirer. There are no third party beneficiaries. Nothing here creates a partnership, joint venture, employment or franchise relationship. A notice to you may be sent to the email address on your account and is effective when sent.
15. Contact
Questions about these Terms may be sent to mike@medireader.com.