Terms of Service

Last updated: October 8, 2026

1. Introduction

DRiCE is operated by Wentzel Investments LLC, a Florida limited liability company (“we”, “us”). These Terms of Service (“Terms”) govern your use of the DRiCE website, API and actuarial signal reports (together, the “Services”). By accessing or using the Services you agree to these Terms; if you do not agree, do not use the Services.

2. Eligibility and access

• You must be at least 18 years old and able to enter into a binding contract.
• Product access is currently limited to Wentzel staff. External tenant access will be offered only under a separate written agreement, which controls if it conflicts with these Terms.
• You are responsible for keeping your credentials and API keys confidential and for all activity under them, and must tell us promptly about any unauthorized access.

3. Acceptable use

You agree not to:

• use the Services for any unlawful purpose or in breach of applicable regulation;
• submit data you are not authorized to share with us;
• attempt to extract, reverse engineer or reconstruct our models, coefficients or scoring methods, including by systematic querying of the API;
• interfere with or disrupt the integrity, security or performance of the Services;
• access accounts, data or systems without authorization.

4. Reports are not advice

DRiCE reports are risk signals derived from the control telemetry and inputs you provide. They are informational only and are not an actuarial opinion, an insurance quote or binder, an audit or attestation, or legal, financial or compliance advice. You remain responsible for your own underwriting, compliance and business decisions.

5. Your data

• You retain ownership of the data you submit.
• You grant us a limited license to process that data to provide the Services.
• We may use aggregated, de-identified data to operate and improve the Services. See our Privacy notice for how we handle personal data.

6. Intellectual property

The Services, including the DRiCE name, models, coefficients, report formats and software, are owned by Wentzel Investments LLC or its licensors and protected by intellectual property law. You may not copy, modify or distribute them except as these Terms allow. We may use feedback you give us without obligation to you.

7. Availability and changes to the Services

We may update, suspend or discontinue any part of the Services. We aim for high availability but are not liable for temporary interruptions, including scheduled maintenance.

8. Termination

You may stop using the Services at any time. We may suspend or terminate access if you breach these Terms, giving reasonable notice where practical.

9. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WENTZEL INVESTMENTS LLC IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA OR USE, ARISING OUT OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICES IN THE 12 MONTHS BEFORE THE CLAIM.

11. Indemnification

You agree to indemnify and hold harmless Wentzel Investments LLC from claims, damages and expenses arising from your use of the Services, your breach of these Terms or applicable law, or your infringement of third-party rights.

12. Governing law and disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Disputes will be resolved by binding arbitration under the rules of the American Arbitration Association, seated in Florida. Actions to enforce an award or for injunctive relief will be brought exclusively in the state or federal courts located in Florida.

13. Changes to these Terms

We may change these Terms. We will update the “Last updated” date above and, for material changes, give reasonable notice. Continued use after a change means you accept the updated Terms.

14. Contact

Questions about these Terms: email contact@wentzel.ai or visit Support.