Terms of Service

These Terms govern access to and use of AiVante, a service operated under the WholeStack AI brand. By creating an account, accepting an invitation, or using AiVante, you agree to these Terms. If you do not agree, do not use the service.

If you or your organization has a signed order form, enterprise agreement, business associate agreement, or other written contract covering AiVante, the provider identified there is the contracting party and that agreement controls to the extent of a conflict with these online Terms.

You must be at least 18 and legally able to enter into these Terms. If you use AiVante for an organization, you represent that you are authorized to act for that organization and to access the people and records made available to your account.

You must provide accurate account information, protect credentials, use only your own assigned identity, and promptly report suspected unauthorized access to support@wholestack.ai. You are responsible for activity performed through your account except to the extent caused by our failure to use reasonable security measures.

Role, tenant, client, and subject permissions limit what an account may access. You may not bypass, test around, or misrepresent those boundaries. An administrator may change or revoke access on behalf of its organization.

AiVante provides software for governed healthcare, insurance, annuity, and retirement-planning workflows. Features may include structured inputs, shared review, scenario illustrations, versioned calculations, audit events, and evidence receipts. Features available to a user depend on configuration, role, and agreement.

We may improve or change the service over time. We will use reasonable efforts to avoid materially reducing contracted functionality during a paid term, except where a change is required for security, legal compliance, third-party availability, or protection of users.

AiVante is technology, not an insurer, insurance carrier, broker, agency, plan administrator, government program, medical provider, law firm, tax adviser, investment adviser, or fiduciary. It does not bind coverage, determine eligibility, issue a policy, quote a guaranteed premium, enroll a person, diagnose or treat a condition, or replace qualified professional judgment.

Illustrations and projections are estimates based on inputs and assumptions. They are not offers, guarantees, benefit determinations, policy contracts, or promises of future performance. Users must verify carrier-specific terms, costs, networks, formularies, availability, enrollment rules, tax treatment, and legal requirements with current official sources and appropriately licensed professionals.

AI responses may be incomplete, outdated, or wrong. Public AI support provides general education and product help only, has no live carrier database, and must not receive personal identifiers, policy or member numbers, financial account information, or medical-record details.

You may not use AI output as the sole basis for a coverage, eligibility, medical, legal, tax, investment, employment, lending, or other consequential decision. A qualified human must review material output and verify it against authoritative records before action is taken.

You retain rights you hold in information and materials you submit to AiVante. You grant the service provider a limited right to host, process, transmit, reproduce, and display that content only as needed to provide, secure, support, and comply with the service and your instructions.

You represent that you have a lawful basis and all required permissions to submit Customer Content and instruct its processing. You are responsible for the accuracy of inputs and for reviewing any output before relying on it.

You may not use AiVante to:

Fees, payment timing, renewal, taxes, and cancellation terms are stated in the applicable checkout, order form, or customer agreement. Unless that agreement says otherwise, fees already earned are non-refundable except where law requires a refund.

AiVante may interoperate with third-party services. Their terms, availability, and decisions are controlled by those third parties. We are not responsible for a third party’s products, records, networks, coverage, or independent acts, but we remain responsible for our own obligations under an applicable agreement.

You may stop using AiVante at any time, subject to any active agreement. We may restrict or suspend access when reasonably necessary to address a security threat, unlawful use, nonpayment, material breach, third-party service failure, or risk to users or the service. We will provide notice when reasonably practicable.

After termination, access ends and Customer Content is handled under the applicable agreement, DPA, retention policy, and law. Provisions that by their nature should survive—including ownership, payment obligations, disclaimers, liability limits, and dispute terms—will survive.

AiVante, its software, design, documentation, trademarks, and service-generated materials are owned by the provider or its licensors, excluding Customer Content. Subject to these Terms and payment obligations, you receive a limited, non-exclusive, non-transferable right to use the service during the authorized term.

If you provide feedback, you permit us to use it to improve AiVante without restriction or payment, provided we do not identify you publicly without permission.

To the fullest extent permitted by law, AiVante is provided “as is” and “as available.” We disclaim implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant uninterrupted operation or that every calculation, AI response, external record, or third-party service will be error-free.

Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded. Any express service commitment in a signed agreement remains in effect according to that agreement.

To the fullest extent permitted by law, neither party will be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or for lost profits, revenue, goodwill, or data, arising from these Terms or the service, even if advised of the possibility.

Unless a signed agreement states a different cap, the aggregate liability of the AiVante provider for claims arising from the service will not exceed the amount paid for AiVante during the 12 months before the event giving rise to the claim, or 100 U.S. dollars if no fee was paid. These limits do not apply where prohibited by law and do not limit liability for fraud, willful misconduct, or obligations that cannot lawfully be limited.

A signed customer agreement controls its governing law, venue, and dispute process. If there is no signed agreement, applicable law governs and any dispute must be brought in a court of competent jurisdiction unless applicable law requires another forum.

Before filing a claim, the parties will try in good faith for 30 days to resolve it through written notice, unless urgent injunctive relief is reasonably necessary.

We may update these Terms by posting a revised effective date. Material changes will be communicated when required. Continued use after the effective date means you accept the revised Terms, except where a signed agreement requires another process.

Questions and legal notices may be sent to support@wholestack.ai with the subject line “AiVante terms.” Do not send confidential health or financial records by ordinary email.