Last updated: 1 January 2026
These Terms of Service (“Terms”) govern the access to and use of the iUnderwrite platform and any related services (together, the “Service”) provided by Intelligent Life Limited (“Intelligent Life”, “we”, “us”, or “our”), a New Zealand company registered in Auckland.
By accessing or using the Service, or by signing a subscription agreement that references these Terms, the organisation you represent (“Customer”, “you”, or “your”) agrees to be bound by these Terms. If you do not have authority to bind your organisation, or if your organisation does not agree to these Terms, you must not use the Service.
These Terms apply to all Customers, including insurers, reinsurers, intermediaries, and other financial services entities accessing iUnderwrite. Individual end-users within a Customer organisation access the Service under the Customer’s account and the Customer is responsible for their compliance with these Terms.
iUnderwrite is a multi-tenant, cloud-native SaaS platform that enables automated and AI-augmented underwriting for life and health insurance products. The platform includes configurable underwriting rules engines, decision support tooling, integration APIs, and reporting capabilities. Specific features available to a Customer are determined by the subscription tier and any add-ons agreed at contracting.
AI Augmented Underwriting is a premium add-on module and is subject to additional terms and pricing. Access to this module is granted only where expressly included in a Customer’s subscription agreement.
Subject to these Terms and payment of applicable fees, Intelligent Life grants the Customer a non-exclusive, non-transferable right to access and use the Service during the subscription term, solely for the Customer’s internal business operations. This right does not include the ability to sublicense, resell, or otherwise make the Service available to third parties unless separately agreed in writing.
We target a monthly uptime availability of 99.5% for the production environment, measured excluding scheduled maintenance windows. Scheduled maintenance will be communicated to Customers with reasonable advance notice. Uptime calculations exclude outages caused by factors outside our reasonable control, including third-party service failures, force majeure events, or actions by the Customer or its users.
This availability target is aspirational and does not constitute a binding service level agreement unless a separate SLA document is executed as part of the Customer’s subscription agreement.
Access to the Service is provided on a subscription basis. Fees, billing frequency, and payment terms are set out in the Customer’s subscription agreement or order form. All fees are quoted exclusive of applicable taxes (including GST) unless stated otherwise.
We may update subscription fees at the time of renewal. We will provide at least 60 days’ written notice of any fee changes before they take effect. Continued use of the Service after the effective date of a price change constitutes acceptance of the new pricing.
The Service may be used only for the Customer’s legitimate underwriting, insurance administration, and related business operations. Customers are responsible for ensuring their use of the Service complies with all applicable laws and regulations, including those governing the collection and use of personal information, financial services regulation, and consumer protection.
Customers must not, and must ensure their users do not:
We reserve the right to suspend or terminate access immediately if we detect a material breach of this acceptable use policy.
Customer Data means any data, content, or information uploaded to or generated within the Service by or on behalf of the Customer, including policyholder and applicant data.
Our privacy practices are described in our Privacy Policy, which forms part of these Terms. Where the Customer is subject to Australian or New Zealand privacy legislation in its handling of personal information within the Service, the Customer is responsible for ensuring its own compliance with those obligations.
All intellectual property rights in the iUnderwrite platform — including the software, algorithms, user interfaces, documentation, trade marks, and branding — are and remain owned by Intelligent Life Limited. Nothing in these Terms transfers any ownership of platform IP to the Customer.
The Customer grants Intelligent Life a limited, non-exclusive licence to use Customer Data to the extent necessary to provide the Service (for example, to render data in the interface, process underwriting rules, or generate reports). This licence does not extend beyond what is required to operate the Service.
Feedback, feature suggestions, or improvement ideas provided by the Customer may be used by Intelligent Life to improve the platform without any obligation of compensation or attribution, unless otherwise agreed in writing.
Each party (“Receiving Party”) agrees to keep confidential any non-public information disclosed by the other party (“Disclosing Party”) that is identified as confidential or that would reasonably be understood to be confidential given the nature of the information and circumstances of disclosure (“Confidential Information”).
Confidential Information of Intelligent Life includes, but is not limited to, the platform architecture, source code, pricing structures, product roadmaps, and technical documentation. Confidential Information of the Customer includes Customer Data and commercially sensitive business information shared in the course of the relationship.
The Receiving Party agrees to:
Confidentiality obligations survive termination of the subscription for a period of five (5) years, except in relation to trade secrets, which are protected indefinitely.
Intelligent Life warrants that:
To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”. Intelligent Life makes no representation or warranty that the Service will be uninterrupted or error-free, that all defects will be corrected, or that the Service will meet every specific requirement of the Customer.
The iUnderwrite platform is a decision-support tool. Underwriting outcomes produced by the platform are based on rules and models configured by or with the Customer. Intelligent Life does not warrant that underwriting decisions produced by the Service are accurate, complete, or appropriate for any particular applicant or risk, and the Customer retains ultimate responsibility for underwriting decisions made in its business.
Nothing in these Terms limits rights that cannot be excluded under the Consumer Guarantees Act 1993 (NZ) or the Australian Consumer Law, to the extent those statutes apply.
To the maximum extent permitted by law:
These limitations do not apply to: (a) liability for death or personal injury caused by negligence; (b) liability for fraud or wilful misconduct; (c) breaches of confidentiality obligations; or (d) any other liability that cannot be excluded or limited by law.
The subscription commences on the start date set out in the Customer’s subscription agreement and continues for the initial term specified therein. Unless either party gives written notice of non-renewal at least 60 days before the end of the then-current term, the subscription will automatically renew for successive periods of equal length.
Either party may terminate the subscription immediately by written notice if the other party:
Upon termination, the Customer’s right to access the Service ceases immediately. Fees paid for the remainder of any pre-paid subscription period are non-refundable unless termination is due to a material breach by Intelligent Life. The Customer should arrange export of any Customer Data before the termination date. Clauses that by their nature should survive termination (including confidentiality, IP, limitation of liability, and governing law) will continue in full force.
These Terms are governed by and construed in accordance with the laws of New Zealand, without regard to conflict of law principles. Each party irrevocably submits to the exclusive jurisdiction of the courts of Auckland, New Zealand for the resolution of any dispute arising out of or in connection with these Terms or the Service.
Before commencing formal proceedings, the parties agree to attempt to resolve any dispute in good faith through senior management discussions for a period of not less than 20 business days following written notice of the dispute.
For questions about these Terms of Service, or to raise a legal or contractual matter, please contact us:
For support and technical enquiries, please contact your account manager or use the support portal within the iUnderwrite platform.