Effective: June 6, 2025
These Terms of Service ("Terms") constitute a legally binding agreement between you and THORE ("THORE," "we," "our," or "us") governing your access to and use of our website (the "Site"), applications, and all related products and services (collectively, the "Services").
These Terms are effective as of the date you first click "I agree" (or similar button or checkbox) or use or access the Services, whichever is earlier. If you accept or agree to these Terms on behalf of your employer or another legal entity, you represent and warrant that you have full legal authority to bind your employer or such entity to these Terms. In such event, "you" and "your" will refer and apply to your employer or such other legal entity.
Your use of the Services is also governed by our Privacy Policy ("Privacy Policy"), available on our website. You acknowledge that by using the Services, you have reviewed the Privacy Policy. The Privacy Policy is incorporated by reference into these Terms, and together they form and are hereinafter referred to as this "Agreement."
THORE is a data-driven home insurance provider that leverages artificial intelligence and the latest technological advancements to deliver smarter, faster, and more personalized insurance solutions. By harnessing real-time data and machine learning models, THORE offers streamlined underwriting, proactive risk management, and seamless customer experiences—redefining what homeowners expect from modern insurance. Our Services may be provided through a web-based application, mobile applications, and other third-party platforms.
To use certain features of the Services, you may be required to register with THORE and create an account (an "Account"). As part of that process, you will be requested to provide certain information, including without limitation your name, full address, phone number, and email address. By using the Services, you agree to provide true, accurate, current, and complete information as prompted by the registration process and to maintain and promptly update the Account information to keep it accurate, current, and complete.
You are the sole authorized user of your Account. You are responsible for maintaining the confidentiality of any login credentials, password, and Account number provided by you or given to you by THORE for accessing the Services. You are solely and fully responsible for all activities that occur under your password or Account, even if not authorized by you. THORE has no control over the use of any user's Account and expressly disclaims any liability derived therefrom. Should you suspect that any unauthorized party may be using your password or Account or you suspect any other breach of security, you agree to contact THORE immediately.
The person signing up for the Services will be the contracting party ("Account Owner") for the purposes of these Terms. If you are signing up for the Services on behalf of your employer, your employer shall be the Account Owner. Your Account is not transferable to any other person or account.
"User Content" is defined as any input data (which may be textual, audio, or visual), including questions or other requests, that you provide, submit, upload, or otherwise make available to the Services. You are solely responsible for User Content, and you acknowledge and agree that THORE:
You hereby represent and warrant to THORE that your User Content (i) will not infringe on any third party's copyright, patent, trademark, trade secret or other proprietary right or rights of publicity, personality or privacy; (ii) will not violate any law, statute, ordinance, or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination, false advertising, anti-spam or privacy); (iii) will not be defamatory, libelous, unlawfully threatening, or unlawfully harassing; (iv) will not be obscene or contain pornography (including but not limited to child pornography) or be harmful to minors; (v) will not contain any viruses, Trojan Horses, worms, time bombs, cancelbots or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information; and (vii) will not create liability for THORE or cause THORE to lose (in whole or in part) the services of its ISPs or other suppliers.
"Output" is defined as the response generated by the Services in response to the receipt of User Content.
"Content" is defined as User Content and Output, together.
By making available any User Content through the Services, you hereby grant to THORE a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license, with the right to sublicense, to reproduce, modify, and otherwise access the User Content to train and otherwise modify the Services and other THORE products or services. You expressly acknowledge and agree that we may share your User Content with third-party services, and that we expressly disclaim any and all liability in connection therewith. THORE has no obligation to report on the use of User Content except as set forth in this Agreement.
We do not claim any ownership rights in any Content and nothing in this Agreement will be deemed to restrict any rights that you may have to use and exploit any such Content.
We make no representations or warranties with respect to the accuracy of the Output, and you should not rely on any Output without independently confirming its accuracy. The Output generated by the Services may be similar or identical to the Output generated by the Services for other users. You acknowledge that you have no right, title, or interest in or to Output that the Services generate for other users.
You represent and warrant that: (i) you are 18 years of age or older (or at least the legally required age in your jurisdiction) and are otherwise capable of entering into binding contracts; and (ii) you have the right, authority, and capacity to enter into this Agreement and to abide by its terms and conditions. Where you enter into this Agreement on behalf of a company or other organization, you represent and warrant that you have authority to act on behalf of that entity and to bind that entity to this Agreement.
You further represent and warrant that (i) you have read, understand, and agree to be bound by these Terms and the Privacy Policy in order to access and use the Services, and (ii) when using or accessing the Services, you will act in accordance with any applicable local, state, or federal law or custom and in good faith.
Unless otherwise agreed to in writing between you and THORE, either party may terminate these Terms for any or no cause, at any time. You may cancel and delete your Account at any time by either using the features on the Services to do so (if applicable and available) or by written notice to support@thore.com. After cancellation, you will no longer have access to your Account, your profile, or any other information through the Services. The provisions of these Terms which by their intent or meaning are intended to survive such termination, including without limitation the provisions relating to disclaimer of warranties, limitations of liability, and indemnification, shall survive any termination of these Terms and any termination of your use of or subscription to the Services and shall continue to apply indefinitely.
We reserve the right to refuse the Services to anyone for any reason at any time. THORE may terminate or limit your right to use the Services in the event that we are investigating or believe that you have breached any provision of this Agreement, by providing you with written or email notice. Such termination or limitation will be effective immediately upon delivery of such notice. If THORE terminates or limits your right to use the Services pursuant to this section, you are prohibited from registering and creating a new Account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.
Even after your right to use the Services is terminated or limited, this Agreement will remain enforceable against you. THORE reserves the right to take appropriate legal action, including but not limited to pursuing arbitration in accordance with Section 13 of these Terms.
THORE reserves the right to modify or discontinue, temporarily or permanently, all or any portion of the Services at its sole discretion. THORE is not liable to you for any modification or discontinuance of all or any portion of the Services. THORE has the right to restrict anyone from completing registration as a user if THORE believes such person may threaten the safety and integrity of the Services, or if, in THORE's discretion, such restriction is necessary to address any other reasonable business concern.
Following the termination or cancellation of your Account, we reserve the right to delete all your data, including any User Content, in the normal course of operation. Your data cannot be recovered once your Account is terminated or canceled.
The Services may contain links (such as hyperlinks) to third-party websites or integrate with third-party service providers. Such links do not constitute endorsement by THORE or association with those websites, their content, or their operators. Such links are provided as an information service, for reference and convenience only. THORE does not control any such websites or services and is not responsible for their (i) availability or accuracy, or (ii) content, advertising, products, or services. It is your responsibility to evaluate the content and usefulness of the information obtained from other websites. You acknowledge and agree that THORE is not involved in the creation or development of third-party websites or services and disclaims any responsibility for them, and cannot be liable for claims arising out of or relating to third-party websites or services. Further, you acknowledge and agree that THORE has no obligation to monitor, review, or remove links to third-party websites or integrations with third-party services, but reserves the right to limit or remove them on the Services at its sole discretion.
The use of any website controlled, owned, or operated by third parties is governed by the terms and conditions of use and privacy policies for those websites. You access such third-party websites or services at your own risk. THORE expressly disclaims any liability arising in connection with your use and/or viewing of any websites or other material associated with links that may appear on the Services. You hereby agree to hold THORE harmless from any liability that may result from the use of links that may appear on the Services.
As part of the functionality of the Services, you may link your Account with online accounts you may have with third-party service providers (each such account, a "Third-Party Account"). By granting THORE access to any Third-Party Accounts, you understand that THORE may access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account. THORE makes no effort to review any content from Third-Party Accounts for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and THORE is not responsible for any such content. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY PROVIDERS.
All text, graphics, editorial content, data, formatting, graphs, designs, HTML, look and feel, photographs, music, sounds, images, software, videos, designs, trademarks, logos, typefaces, and other content (collectively "Proprietary Material") that users see or read through the Services is owned by THORE, excluding User Content, which users hereby grant THORE a license to use. Proprietary Material is protected in all forms, media, and technologies now known or hereinafter developed. THORE owns all Proprietary Material, as well as the coordination, selection, arrangement, and enhancement of such Proprietary Materials as a Collective Work under the United States Copyright Act, as amended. The Proprietary Material is protected by the domestic and international laws governing copyright, patents, and other proprietary rights. You may not copy, download, use, redesign, reconfigure, or retransmit anything from the Services without THORE's express prior written consent and, if applicable, the holder of the rights to the User Content.
Any use of such Proprietary Material, other than as permitted therein, is expressly prohibited without the prior permission of THORE and, if applicable, the holder of the rights to the User Content.
The service marks and trademarks of THORE, including without limitation THORE and THORE logos, are service marks owned by THORE. Any other trademarks, service marks, logos, and/or trade names appearing via the Services are the property of their respective owners. You may not copy or use any of these marks, logos, or trade names without the express prior written consent of the owner.
Additionally, you may choose to or we may invite you to submit comments, ideas, or feedback about the Services, including without limitation about how to improve our services or our products ("Feedback"). By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited, and without restriction and will not place THORE under any fiduciary or other obligation, and that we are free to use the Feedback without any additional compensation to you, and/or to disclose the Feedback on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, THORE does not waive any rights to use similar or related Feedback previously known to THORE, developed by its employees, or obtained from sources other than you. You acknowledge that all email and other correspondence that you submit to us shall become our sole and exclusive property.
Payment and any other expenses must be paid through the third-party payment processing system (the "PSP") as indicated on the Services. You may be required to register with the PSP, agree to terms of service of the PSP, provide your payment details to the PSP, and go through a vetting process at the request of the PSP to set up an account with the PSP (the "PSP Services Agreement"). By accepting these Terms, you agree that you have downloaded or printed, and reviewed and agreed to, the PSP Services Agreement. Please note that THORE is not a party to the PSP Services Agreement and that you, the PSP, and any other parties listed in the PSP Services Agreement are the parties to the PSP Services Agreement and that THORE has no obligations, responsibility, or liability to any user or any other party under the PSP Services Agreement.
All prices and fees displayed on the Services are exclusive of applicable federal, provincial, state, local, or other governmental sales, goods and services, or other taxes, fees, or charges now in force or enacted in the future ("Taxes"). Any applicable Taxes are based on the rates applicable to the billing address you provide to us, and will be calculated at the time of a transaction is charged to your Account. Unless otherwise indicated, all prices, fees, and other charges are in U.S. dollars, and all payments shall be in U.S. currency.
By using our Services you agree to receive SMS notification from Quadrins and/or THORE.
You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly by emailing support@thore.com.
Carriers are not liable for delayed or undelivered messages.
As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive a one time message from us. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
If you have any questions regarding privacy, please read the Privacy Policy.
THE SERVICES ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THORE MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CONTENT PROVIDED THROUGH THE SERVICES OR THE CONTENT OF ANY SITES LINKED TO THE SERVICES AND ASSUMES NO LIABILITY OR RESPONSIBILITY IN CONTRACT, WARRANTY, OR TORT FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (III) ANY ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN; AND (IV) EVENTS BEYOND OUR REASONABLE CONTROL. THE INFORMATION PROVIDED THROUGH OUR SERVICES DOES NOT MODIFY, AMEND, OR OTHERWISE ALTER THE TERMS, CONDITIONS, COVERAGES, OR EXCLUSIONS OF ANY INSURANCE POLICY ISSUED BY THORE. IN THE EVENT OF ANY INCONSISTENCY OR CONFLICT BETWEEN THE INFORMATION DISPLAYED AND YOUR ACTUAL THORE POLICY, THE TERMS OF YOUR THORE POLICY SHALL GOVERN AND CONTROL.
UNDER NO CIRCUMSTANCES WILL THORE AND AFFILIATES OR THEIR CORPORATE PARTNERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, ACTUAL, CONSEQUENTIAL, ECONOMIC, SPECIAL, OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF DATA, LOSS OF GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE, SYSTEM FAILURE, FAILURE TO STORE ANY INFORMATION OR OTHER CONTENT MAINTAINED OR TRANSMITTED BY THORE, OR THE COST OF SUBSTITUTE PRODUCTS OR SERVICES) ARISING IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN THEIR ENTIRETY.
IF, NOTWITHSTANDING THE FOREGOING EXCLUSIONS, IT IS DETERMINED THAT THORE AND AFFILIATES OR THEIR CORPORATE PARTNERS ARE LIABLE FOR DAMAGES, IN NO EVENT WILL THE AGGREGATE LIABILITY, WHETHER ARISING IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EXCEED THE LOWER OF (I) THE TOTAL FEES PAID BY YOU TO THORE DURING THE SIX MONTHS PRIOR TO THE TIME SUCH CLAIM AROSE OR (II) ONE HUNDRED DOLLARS ($100), TO THE EXTENT PERMITTED BY APPLICABLE LAW.
EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
You hereby agree to indemnify, defend, and hold harmless THORE and its officers, directors, employees, agents, attorneys, insurers, successors and assigns (the "Indemnified Parties") from and against any and all Liabilities incurred in connection with (i) your use or inability to use the Services, or (ii) your breach or violation of this Agreement; (iii) your violation of any law, or the rights of any user or third party and (iv) any content submitted by you or using your Account to the Services, including, but not limited to the extent such content may infringe on the intellectual rights of a third party or otherwise be illegal or unlawful. You also agree to indemnify the Indemnified Parties for any Liabilities resulting from your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden or loan on our infrastructure. THORE reserves the right, in its own sole discretion, to assume the exclusive defense and control at its own expense of any matter otherwise subject to your indemnification. You will not, in any event, settle any claim or matter without the prior written consent of THORE.
This Agreement and your use of the Services will be governed by, and will be construed under, the laws of the State of Texas, without regard to choice of law principles. This choice of law provision is only intended to specify the use of Texas law to interpret this Agreement.
No agency, partnership, joint venture, employer-employee, or franchiser-franchisee relationship is intended or created by this Agreement.
Failure by THORE to enforce any provision(s) of this Agreement will not be construed as a waiver of any provision or right. This Agreement constitutes the complete and exclusive agreement between you and THORE with respect to its subject matter, and supersedes and governs any and all prior agreements or communications. The provisions of this Agreement are intended to be interpreted in a manner which makes them valid, legal, and enforceable. Except for the "Class Action Waiver" in Section 13, in the event any provision is found to be partially or wholly invalid, illegal, or unenforceable, (i) such provision shall be modified or restructured to the extent and in the manner necessary to render it valid, legal, and enforceable or, (ii) if such provision cannot be so modified or restructured, it shall be excised from the Agreement without affecting the validity, legality, or enforceability of any of the remaining provisions. This Agreement may not be assigned or transferred by you without our prior written approval. We may assign or transfer this Agreement without your consent, including but not limited to assignments: (1) to a parent or subsidiary, (2) to an acquirer of assets, or (3) to any other successor or acquirer. Any assignment in violation of this section shall be null and void. This Agreement will inure to the benefit of THORE, its successors, and assigns.
THORE reserves the right, at its sole and absolute discretion, to change, modify, add to, supplement, suspend, discontinue, or delete any of the terms and conditions of this Agreement (including these Terms of Service and Privacy Policy) and review, improve, modify, or discontinue, temporarily or permanently, the Services or any content or information through the Services at any time, effective with or without prior notice and without any liability to THORE. THORE will endeavor to notify you of material changes by email, but will not be liable for any failure to do so. If any future changes to this Agreement are unacceptable to you or cause you to no longer be in compliance with this Agreement, you must terminate, and immediately stop using, the Services. Your continued use of the Services following any revision to this Agreement constitutes your complete and irrevocable acceptance of any and all such changes. THORE may also impose limits on certain features or restrict your access to part or all of the Services without notice or liability.
None of the terms of this Agreement are enforceable by any persons who are not a party to this Agreement
You consent to receive any agreements, notices, disclosures, and other communications (collectively, "Notices") to which this Agreement refers electronically including without limitation by email or by posting Notices on this Site. You agree that all Notices that we provide to you electronically satisfy any legal requirement that such communications be in writing. Unless otherwise specified in this Agreement, all notices under this Agreement will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or email; or the day after it is sent, if sent for next day delivery by a recognized overnight delivery service.
Nothing in this Agreement shall be construed to modify, amend, or otherwise alter any of the terms, conditions, rights, or obligations set forth in the insurance policy issued by THORE to You. All such rights and obligations remain governed solely by the Policy, and in the event of any conflict between this Agreement and the Policy, the terms of the Policy shall control.
If you have any questions about these Terms of Service or about the Services, please contact us by email at support@thore.com.