Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Ovalleaf Claims Intelligence & Management Platform, the ovalleaf.com website, and related services (together, the “Service”), operated by Ovalleaf (“Ovalleaf”, “we”, “us”), a business based in South Africa. By creating an account, subscribing, or using the Service, you agree to these Terms on behalf of yourself and, where applicable, the organisation you represent (“you”, the “Customer”).

If you do not agree with these Terms, do not use the Service. Questions can be sent via our contact page or WhatsApp at +27 67 222 0162.

The Service is a software-as-a-service platform that helps insurers, claims administrators and related organisations manage, audit and analyse insurance claims, including AI-assisted risk scoring, case management, corrective-action (CAPA) workflows and audit-trail reporting.

AI-generated outputs (such as risk scores, anomaly flags and explanations) are decision-support tools only. They are not financial, legal or actuarial advice, and they do not replace human judgement. You remain solely responsible for claim decisions, regulatory compliance and outcomes in your business.

You must provide accurate registration information and keep your credentials secure. You are responsible for all activity under your organisation’s accounts. Notify us promptly of any suspected unauthorised access. We may suspend accounts that pose a security risk to the Service or other customers.

Fees are set out on our pricing page or in an order form agreed with you. Unless otherwise agreed in writing:

• Subscriptions are billed in advance, in South African Rand, via our payment provider Paystack.
• Prices exclude VAT, which is added where applicable.
• Usage above your plan’s included claims volume is billed at the published overage rate.
• Fee changes take effect at your next renewal, with at least 30 days’ notice.
• We may suspend the Service for accounts with overdue amounts after reasonable notice.

Cancellations and refunds are handled in accordance with our Refund & Cancellation Policy, which forms part of these Terms.

You agree not to:

• use the Service to violate any law or the rights of any person;
• upload data you do not have the legal right to process;
• attempt to gain unauthorised access to the Service, other tenants’ data, or underlying infrastructure;
• resell, sublicense or provide the Service to third parties except as agreed in writing;
• interfere with or disrupt the integrity or performance of the Service; or
• use the Service to build a competing product.

You retain all rights to the data you and your users submit to the Service (“Customer Data”), including claims records and supporting documents. You grant us a limited licence to host, process and display Customer Data solely to provide and support the Service.

We process personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) and our Privacy Policy. Where we process personal information on your behalf, we act as your operator under POPIA and will process it only on your documented instructions, applying appropriate technical and organisational security measures, including encryption in transit and at rest and tenant-level data isolation.

We own all rights in the Service, including software, models, interfaces and documentation. No rights are granted to you other than the limited right to use the Service under these Terms. Feedback you provide may be used to improve the Service without obligation to you. Aggregated, de-identified usage data may be used to operate and improve the Service; it will never identify you, your users or your claimants.

Each party will protect the other’s confidential information with at least the same care it uses for its own (and no less than reasonable care), use it only to perform under these Terms, and not disclose it except to personnel and advisers bound by confidentiality obligations, or where required by law.

We work to keep the Service available and performant, and we maintain monitoring, backups and security controls appropriate to a claims platform. Planned maintenance is communicated in advance where practical. Support channels and response targets depend on your plan; Enterprise customers may agree a separate service-level agreement that takes precedence over this section.

Except as expressly stated in these Terms, the Service is provided “as is” and we disclaim all other warranties, express or implied, including fitness for a particular purpose and non-infringement, to the maximum extent permitted by law. We do not warrant that AI outputs will be accurate, complete or error-free. Nothing in these Terms limits rights you have under the Consumer Protection Act, 2008 or other laws that cannot be excluded by agreement.

To the maximum extent permitted by law, neither party is liable for indirect, consequential, or punitive damages, or for loss of profits, revenue or data. Each party’s total aggregate liability arising out of or related to the Service is limited to the fees paid by the Customer in the 12 months preceding the event giving rise to the claim. These limits do not apply to breaches of confidentiality, misuse of the other party’s intellectual property, or liability that cannot be limited by law.

These Terms apply while you use the Service. Either party may terminate for material breach not cured within 14 days of written notice. You may cancel your subscription at any time as described in the Refund & Cancellation Policy. On termination, we will make Customer Data available for export for 30 days, after which it is deleted from production systems, subject to legal retention requirements.

We may update these Terms from time to time. Material changes will be notified via the Service or email at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

These Terms are governed by the laws of the Republic of South Africa, and the courts of South Africa have exclusive jurisdiction. If any provision is found unenforceable, the remainder stays in effect. Neither party is liable for delay or failure caused by events beyond its reasonable control. These Terms, together with the Privacy Policy, Refund & Cancellation Policy and any order form, are the entire agreement between the parties regarding the Service.

For any questions about these Terms, reach us via the contact page or WhatsApp at +27 67 222 0162.