Terms of Service
Last updated: May 20, 2026
These Terms of Service ("Terms") govern access to and use of the products and services provided by General Magic Technologies Inc. ("General Magic", "we", "us"), including the General Magic Platform, Edward (our insurance-trained AI deployed as the AI Brokerage Expert, Underwriting QA, and Policy Servicing text agent), and any text-based agent that communicates with users over encrypted messaging platforms such as iMessage, RCS, WhatsApp, or similar channels (collectively, the "Services").
By accessing or using the Services, or by signing an Order Form referencing these Terms, you ("Customer") agree to be bound by these Terms. If you do not agree, you must not use the Services.
These Terms apply together with our Privacy Policy and End User License Agreement, which are incorporated by reference.
1. The Services
1.1 What we provide
General Magic operates an AI execution layer for the insurance industry. The underlying model is trained on carrier manuals, binding guides, policy language, and underwriting rules. The model is deployed as Edward, our insurance-trained AI, across the following products:
AI Brokerage Expert (internal): Edward answers broker questions by searching carrier manuals and policy documents, citing the source rule, manual page, and line
Underwriting QA (internal): Edward audits files before bind, catching missed rules, misapplied discounts, and underwriting drift
Policy Servicing Text Agent (external): Edward responds to customer messages on encrypted messaging platforms, handling certificates, endorsements, billing, and lookups
The Services also include Professional Services described in any Order Form.
The Services are made available for use in supporting Customer's insurance brokerage or carrier business across workflows including underwriting support, servicing, renewals, endorsements, document collection, intake, and claims follow ups.
1.2 What the Services are not
The Services are tools that support licensed insurance professionals. General Magic is not a licensed insurance intermediary, professional advisor, or regulatory compliance system. Outputs generated by the Services do not constitute regulated insurance advice on their own.
1.3 Internal facing vs. external facing use
Edward is deployed in two configurations:
(a) Internal facing. Includes the AI Brokerage Expert and Underwriting QA products. Outputs are surfaced to brokerage staff, underwriters, claims handlers, or other licensed personnel who review the Output before any action is taken or communicated to a third party.
(b) External facing. Includes the Policy Servicing text agent. Outputs are surfaced directly to an end customer, policyholder, applicant, or other third party through an encrypted messaging channel. External facing deployments must meet the requirements in Section 5.
Customer is responsible for selecting and configuring the appropriate deployment mode for each workflow.
1.4 Permitted use
Subject to these Terms, General Magic grants Customer a non exclusive, non transferable right during the Term to access and use the Services for its internal business operations, including for the benefit of its customers in accordance with Section 5.
1.5 Restrictions
Customer will not, and will not permit any Permitted User to:
Use any Output without applying appropriate professional judgement or verification, where the Output is being relied on for a coverage determination, coverage recommendation, underwriting decision, or formal communication to a customer, carrier, or regulator
Sub-license, sell, rent, lend, lease, or distribute the Services
Use the Services in violation of applicable law, RIBO regulations, carrier agreements, or any third party right
Use the Services in a manner that threatens the security or functionality of the Services
Input or transmit through the Services any content that contains malicious code, that Customer has no lawful right to handle, or that infringes any third party right
Modify, reverse engineer, decompile, or disassemble the Services, or perform vulnerability or penetration testing without prior written consent
Use the Services to develop or train any competing AI product or service, or to benchmark the Services against competing offerings
Circumvent any content filters, safety controls, or guardrails in the Services
Use any Output in a regulatory submission, legal proceeding, complaint response, arbitration, or similar formal process without first having that Output independently verified by a qualified expert
1.6 Service changes
General Magic may modify, improve, update, or replace any part of the Services at any time, including any underlying AI models. We will use commercially reasonable efforts to avoid materially degrading the Services during the Term. We may suspend access for scheduled maintenance, security concerns, suspected breach of these Terms, or where required by law.
1.7 Subcontractors
General Magic may use subcontractors and third party service providers (including model providers and infrastructure providers) to deliver the Services. We remain responsible for their performance under these Terms.
2. Data and Ownership
2.1 Customer Data
"Customer Data" means the data, content, documents, conversations, and records that Customer or its Permitted Users provide to or generate through the Services, including underwriting manuals, broker knowledge, policy wordings, endorsements, and conversation transcripts.
Customer retains ownership of all Customer Data. Customer grants General Magic a worldwide, royalty free license to process Customer Data solely to:
Provide, secure, support, and operate the Services for Customer
Investigate and respond to security incidents, abuse, or breaches of these Terms
Generate Aggregated Data and Usage Data (defined below)
Comply with legal obligations
2.2 Use of Customer Data for model training
General Magic does not use Customer Data, including Customer specific Outputs, broker underwriting manuals, query content, conversation logs, or any documents uploaded by Customer, to train, fine tune, retrain, or evaluate any foundation model, general purpose model, or model intended for use outside of Customer's own deployment.
General Magic operates under zero data retention arrangements with its underlying model providers, meaning Customer Data submitted to those providers is not retained by them or used to train their models.
General Magic may use Customer Data to improve, configure, or tune the Services specifically for Customer's benefit, including building Customer specific retrieval systems, prompt configurations, and agent behaviour. General Magic will not use Customer Data to train models that are made available to other customers without Customer's prior written consent.
2.3 Outputs
"Output" means any text, summary, recommendation, draft, response, or other content generated by the Services, including content produced through retrieval over Customer Data.
As between the parties, Customer owns Outputs that are generated specifically from Customer Data and surfaced to Customer or its end users. Customer's ownership of Outputs is subject to General Magic's underlying rights in the Services, models, and infrastructure that produce them.
2.4 Aggregated Data and Usage Data
"Aggregated Data" means data derived from the operation of the Services that is aggregated, deidentified, and cannot reasonably be used to identify Customer or any individual.
"Usage Data" means information about how the Services are used (such as feature usage, performance metrics, error rates, latency) that does not identify any individual user.
General Magic owns all Aggregated Data and Usage Data and may use it for any lawful purpose, including operating, securing, improving, and benchmarking the Services.
2.5 General Magic property
General Magic owns the Services, including all software, models, prompts, agent configurations, infrastructure, and documentation, together with all related intellectual property rights. Nothing in these Terms transfers any of those rights to Customer.
2.6 Feedback
If Customer provides suggestions or feedback about the Services, General Magic may use that feedback freely and without obligation.
3. Personal Information
3.1 Compliance
Each party will comply with applicable privacy laws, including federal, provincial, and state laws governing personal information.
3.2 Personal information in the Services
The Services are designed to support real insurance workflows, which by their nature involve personal information about applicants, policyholders, claimants, and other individuals. Customer acknowledges that processing personal information through the Services is contemplated and permitted under these Terms, provided that:
Customer has the lawful basis to share that personal information with General Magic and its processors
Customer does not provide personal information unrelated to the workflow the Services are supporting
Customer does not provide special categories of sensitive personal information (such as health, biometric, or government identifier data) unless that data is necessary for the specific insurance workflow and Customer has obtained any required consents
Customer follows its own retention, deletion, and minimisation obligations under applicable law
3.3 General Magic's handling of personal information
General Magic processes personal information as Customer's processor or service provider. We will:
Process personal information only to provide the Services and as otherwise permitted under these Terms
Maintain reasonable administrative, technical, and physical safeguards designed to protect personal information
Use zero data retention arrangements with model providers where available, so that personal information submitted to those providers is not retained by them
Support Customer's data subject requests (access, deletion, correction) on commercially reasonable terms
Details of how General Magic handles personal information are set out in our Privacy Policy.
3.4 Deletion
Customer may request deletion of specific Customer Data or conversation records at any time through standard channels described in the Services. Upon termination, General Magic will delete or return Customer Data in accordance with Section 11.4.
4. Customer Accounts and Users
4.1 Permitted Users
"Permitted Users" means Customer's employees and contractors authorised to access the Services on Customer's behalf, plus any end customers, policyholders, or other third parties that Customer authorises to interact with an external facing agent.
4.2 Customer responsibility
Customer is responsible for:
Identifying and authenticating its Permitted Users
Ensuring Permitted Users access the Services only through authorised accounts and channels
All acts and omissions of its Permitted Users
Promptly notifying General Magic of any suspected unauthorised use
4.3 Account security
Customer will not share account credentials. General Magic may suspend or reset accounts that we reasonably believe have been compromised.
5. Customer Obligations (Internal and External Facing Use)
This section applies to all uses of the Services. Some obligations apply only to one deployment mode and are marked accordingly.
5.1 General obligations
Customer represents and covenants that it:
Holds all licences, permits, and registrations required to operate its insurance brokerage or carrier business, including any required RIBO, provincial, or state insurance licensing
Has the rights and consents needed to provide Customer Data to General Magic
Will not use the Services to circumvent, override, or misrepresent carrier underwriting authority or appetite
Will not use the Services to generate Outputs designed to support a placement Customer knows, or ought to know, falls outside a carrier's acceptable risk parameters
5.2 Internal facing deployments
Where the Services are deployed internal facing (Output goes to brokerage or carrier staff before reaching a third party), Customer will:
Ensure that a licensed insurance broker, agent, or advisor reviews any Output before it is shared with a customer, carrier, or regulator
Verify any Output that informs a coverage determination, coverage recommendation, or underwriting decision against the underlying source documentation, including policy wordings, endorsements, and underwriting guidelines
Maintain its own record of advice given and decisions made, separate from General Magic's Service logs
5.3 External facing deployments
Where the Services are deployed external facing (an agent communicates directly with end customers, policyholders, or other third parties), Customer will:
Configure the agent to operate from an approved knowledge base of Customer's underwriting manuals, policy documents, scripts, and approved responses
Ensure that the agent is structured to provide information and complete workflows consistent with that approved knowledge base, and not to invent coverage, pricing, or binding decisions
Maintain human oversight capability, including the ability for a licensed broker, agent, or advisor to intervene in any conversation at any time, with full visibility into the conversation history, context, and any actions the agent has taken or is about to take
Clearly disclose to end customers, where required by applicable law, that they are interacting with an AI system
Ensure that any output communicated to an end customer falls within the scope of the approved knowledge base, and that any matter outside that scope is routed to a licensed human reviewer before a substantive response is sent
Not configure the agent to deliver binding coverage confirmations, formal quotations, regulatory disclosures, or claims determinations to end customers without a licensed human in the loop, unless explicitly agreed in an Order Form and supported by appropriate carrier authority
5.4 Responsibility for what reaches customers
Customer accepts sole responsibility for:
All advice and information communicated to its customers, whether originated by a human or by an Output
The professional judgement applied in reviewing, configuring, and acting on Outputs
Compliance with applicable insurance regulation, conduct of business rules, and E&O policy obligations
The consequences of any communication to a customer that was based on an inaccurate, incomplete, or hallucinated Output, where the deployment was internal facing and human review was the safeguard, or where the deployment was external facing and Customer's configuration or oversight was the safeguard
5.5 Document and knowledge base hygiene
Customer is responsible for keeping the knowledge base accurate and current, including:
Monitoring carrier communications for updated underwriting manuals, endorsement bulletins, coverage amendments, and appetite changes
Uploading replacement documentation promptly and removing or archiving superseded versions so they cannot be retrieved by an agent
Maintaining its own internal log of document versions for regulatory record keeping
6. Fees and Payment
6.1 Fees
Customer will pay the fees specified in each Order Form ("Fees"). Unless an Order Form says otherwise, Fees are quoted in Canadian dollars and are payable in advance.
6.2 Fee changes
Fees are fixed for the Initial Term of each Order Form. For each Renewal Term, General Magic reserves the right to change the Fees on notice to Customer.
6.3 Invoicing and late payment
General Magic will invoice Customer at the contact information on file. Customer will pay invoiced amounts within 30 days of the invoice date. Customer must raise any billing dispute within 30 days. Undisputed amounts remain payable.
Late payments accrue interest per year plus collection costs. General Magic may suspend the Services if Fees remain unpaid past their due date.
6.4 Taxes
Fees are exclusive of taxes. Customer is responsible for all applicable sales, GST, HST, VAT, and similar taxes, other than taxes on General Magic's net income.
7. Confidentiality
Each party may receive confidential information from the other. Each party will:
Use the other's confidential information only to perform under these Terms
Protect it with at least the same care it uses for its own confidential information of similar sensitivity, and in no event less than a reasonable standard
Disclose it only to personnel and advisors who need to know and are bound by similar confidentiality obligations
Confidential information does not include information that is publicly available, independently developed, or already lawfully known to the receiving party, in each case without breach of these Terms.
A party may disclose confidential information where required by law, provided it gives the other party prompt notice where legally permitted.
Aggregated Data and Usage Data are not Customer confidential information.
8. Disclaimers
The Services are provided "as is" and "as available". General Magic does not warrant that the Services will be uninterrupted, error free, or that all errors can or will be corrected.
To the extent permitted by law, General Magic disclaims all express, implied, statutory, and other warranties, including warranties of merchantability, fitness for a particular purpose, and non infringement.
AI specific disclaimer. Customer acknowledges that the Services use artificial intelligence and that AI is probabilistic. The Services may produce Outputs that are inaccurate, incomplete, out of date, or that do not reflect the underlying source documentation. Outputs may vary between model versions and over time.
Outputs are intended to support Customer's insurance operations, whether reviewed internally before reaching a third party or surfaced through an external facing agent configured and supervised in accordance with Section 5.3. In either case, Outputs are not a substitute for the professional judgement of a licensed insurance broker, agent, or advisor, and the professional duty to Customer's end customer rests with Customer.
Customer is responsible for ensuring that its Permitted Users understand the limitations of the Services and that, for external facing deployments, the agent is configured and supervised so that the information it provides to end customers is grounded in the approved knowledge base and subject to human intervention.
9. Indemnification
9.1 By Customer
Customer will defend, indemnify, and hold harmless General Magic against any third party claim and related losses arising out of:
Insurance services or advice provided by Customer or its representatives, including where informed by an Output
Customer's failure to apply human review or oversight required under Section 5
Customer's breach of Sections 1.5 (Restrictions), 3 (Personal Information), 4 (Accounts), or 5 (Customer Obligations)
Use of the Services in combination with third party software not authorised by General Magic
9.2 By General Magic
General Magic will defend, indemnify, and hold harmless Customer against any third party claim and related losses alleging that the Services, when used in accordance with these Terms, infringe that third party's intellectual property rights.
General Magic's obligation does not apply to claims arising from Customer's unauthorised use, Customer's modification of any deliverable, or combination of the Services with materials not provided by General Magic, where the claim would not have arisen but for that use, modification, or combination.
This Section 9.2 states General Magic's sole liability, and Customer's sole remedy, for any third party IP claim relating to the Services.
9.3 Process
The indemnified party will give prompt written notice of the claim, allow the indemnifying party to control the defence and settlement (subject to not admitting Customer's liability without consent), and cooperate at the indemnifying party's reasonable expense.
10. Limitation of Liability
10.1 Cap
Subject to Section 10.3, each party's total aggregate liability arising out of or relating to these Terms is limited to the Fees paid or payable by Customer in the 12 months immediately preceding the event giving rise to the claim.
10.2 Excluded damages
Subject to Section 10.3, neither party is liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits or revenues, even if advised of the possibility.
10.3 Carve outs
The limitations in Sections 10.1 and 10.2 do not apply to:
Either party's indemnification obligations under Section 9
Customer's breach of Section 1.5 (Restrictions)
Customer's obligation to pay Fees
Either party's gross negligence or wilful misconduct
11. Term and Termination
11.1 Term
These Terms start on the Effective Date of the first Order Form and continue while any Order Form is in effect. Each Order Form has its own term as specified in that Order Form, and renews automatically unless either party gives at least 30 days' notice of non renewal.
11.2 Termination for cause
Either party may terminate for material breach not cured within 30 days of written notice. General Magic may terminate immediately if Customer becomes insolvent, ceases business, or is the subject of bankruptcy proceedings.
11.3 Suspension
General Magic may suspend the Services where Customer is in material breach, where there is a security concern, or where required by law. We will provide notice where reasonably practical.
11.4 Effect of termination
On termination, Customer will stop using the Services. Within 30 days, General Magic will, at Customer's option, return or delete Customer Data, other than backup copies retained per standard retention schedules and Aggregated Data.
11.5 Survival
Sections that by their nature should survive termination will survive, including Sections 2 (Data and Ownership), 6 (Fees and Payment), 7 (Confidentiality), 8 (Disclaimers), 9 (Indemnification), 10 (Limitation of Liability), 11.4 (Effect of Termination), 11.5 (Survival), and 12 (General).
12. General
12.1 Notices
Notices to General Magic should be sent to: General Magic Technologies Inc., 20 Maud Street, Unit 402, Toronto, Ontario, with a copy by email to jai@generalmagic.inc. Notices to Customer go to the email address in the most recent Order Form.
12.2 Assignment
Customer may not assign these Terms without General Magic's prior written consent. General Magic may assign these Terms in connection with a corporate transaction.
12.3 Governing law
These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, unless a specific Order Form sets a different governing law. The parties submit to the exclusive jurisdiction of the courts of Toronto, Ontario, except that General Magic may seek injunctive relief in any appropriate jurisdiction.
12.4 Marketing
General Magic may identify Customer as a customer in marketing materials, presentations, customer lists, and on its website, using Customer's name and logo. Customer may opt out by writing to legal@generalmagic.inc.
12.5 Force majeure
Neither party is liable for delays caused by events beyond its reasonable control.
12.6 Independent contractors
The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, or agency.
12.7 Entire agreement
These Terms, together with each Order Form, the Privacy Policy, and the EULA, form the entire agreement between the parties on this subject and supersede prior or contemporaneous agreements.
12.8 Amendments
General Magic may update these Terms from time to time. We will post the updated version at generalmagic.inc/terms and update the "Last updated" date. Material changes will be communicated to Customer at least 30 days in advance where reasonably practical. Continued use of the Services after the effective date of an update constitutes acceptance.
12.9 Severability and waiver
If any provision is unenforceable, the rest of these Terms remain in force. A waiver in one instance is not a waiver in another.
Contact
Questions about these Terms can be sent to jai@generalmagic.inc.
General Magic Technologies Inc.
20 Maud Street, Unit 402
Toronto, Ontario
