Plain English summary: Satelife provides informational wildfire risk reports based on satellite data and AI analysis. Our reports are not insurance products, not legal advice, and not a guarantee of any outcome. By using our service, you agree to these terms.
1. Acceptance of Terms
By accessing satelife.ai or requesting a wildfire risk report, you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use our services.
2. Description of Service
Satelife provides AI-powered wildfire risk assessment reports for residential and commercial properties in the United States. Reports are based on satellite imagery, public GIS data, historical fire records, and proprietary analytical models. Reports are delivered electronically within approximately 24 hours of a valid request.
Important: Satelife reports are for informational purposes only. They do not constitute insurance advice, financial advice, legal advice, or any form of guarantee regarding property safety, insurability, or fire risk outcomes.
3. Not an Insurance Product
Satelife is not an insurance company and does not offer insurance products. Our risk reports are analytical tools intended to inform decision-making. Any reference to potential premium savings reflects historical outcomes reported by customers and is not a guarantee of results. Always consult a licensed insurance professional for insurance decisions.
4. Accuracy and Limitations
While we strive for accuracy, wildfire risk is inherently uncertain and depends on many factors outside our control, including weather, human activity, and rapid environmental changes. You acknowledge that:
- Reports are based on data available at the time of analysis and may not reflect the most current conditions.
- Risk scores are estimates and not guarantees of safety or insurability.
- Satelife is not liable for decisions made based on our reports.
- Properties in rapidly changing fire environments may have different actual risk than reported.
5. User Responsibilities
By using our service, you agree to:
- Provide accurate property and contact information when requesting a report.
- Use reports only for lawful purposes and not for resale without written permission.
- Not attempt to reverse-engineer, scrape, or replicate our analytical models.
- Not submit false, misleading, or fraudulent requests.
6. Intellectual Property
All content on satelife.ai, including reports, methodology, graphics, logos, and text, is owned by Satelife, Inc. and protected by applicable copyright and intellectual property laws. You may share your individual property report for personal or business use but may not reproduce or redistribute our platform content without written consent.
7. Free Report Policy
The "free report" offered on our website is a sample risk assessment intended to demonstrate our service. Satelife reserves the right to modify, limit, or discontinue the free report offer at any time without notice.
8. Limitation of Liability
To the maximum extent permitted by applicable law, Satelife, Inc., its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to property damage, financial loss, or personal injury resulting from reliance on our reports.
Our total liability to you for any claim arising from use of our service shall not exceed the amount paid by you for the specific report giving rise to the claim, or $100, whichever is less.
9. Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
10. Privacy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
11. Third-Party Services
Our website uses third-party services including Google Analytics, Google Maps, Formspree, and Cloudflare. Your use of these services is subject to their respective terms of service and privacy policies.
12. Governing Law
These Terms are governed by the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes shall be resolved exclusively in the courts of San Diego County, California.
13. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of material changes by updating the "Last updated" date and, where appropriate, sending an email notification. Continued use of our services after changes constitutes acceptance of the new Terms.
14. Contact
For questions about these Terms, please contact us at:
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