Terms of use

These terms govern your use of humanapproved.com, HumanApproved review and approval pages, and any other HumanApproved website or page we operate (together, the "Site"). Please read them. By using the Site you accept them. If you do not agree, do not use the Site.

Part 1: Using our website and services

Who we are. HumanApproved is a product of Open. The HumanApproved name and logo are trade marks of Open Technology Company Pty Ltd. The Site and the services on it are provided to you by the Open company for your country set out in Part 4 ("Open", "we", "us"). To contact us, use Support at humanapproved.com.

Other terms that apply. Our Privacy Policy and Cookies Policy also apply to your use of the Site. Insurers using the HumanApproved console and developers integrating with HumanApproved have separate agreements with us; where those agreements conflict with these terms, those agreements prevail.

We may change these terms. We may amend these terms from time to time to reflect changes in the Site, in our business or in the law. The current version is always at humanapproved.com, with its effective date. Please check it each time you use the Site. For approval pages, the version of these terms shown when you approve is recorded with your approval, and later changes do not affect that approval.

The Site. The Site is made available free of charge to you. We do not promise that it will always be available or uninterrupted, or that it will be free of errors. We may suspend, withdraw or change all or any part of the Site without notice. You are responsible for your own device, connection and security software.

Prohibited uses. You may use the Site only for lawful purposes. You must not: use the Site in any way that breaches any law or regulation; introduce viruses or other harmful code; attempt to gain unauthorised access to the Site, the servers on which it is stored or any connected system; attack the Site by denial-of-service or similar means; scrape, harvest or copy content or data from the Site other than as these terms permit; attempt to analyse, test, defeat, spoof, or reverse engineer the methods we use to detect automated software or to protect sealed information; submit, or attempt to submit, an approval, a verification check, or a one-time code by automated means or on behalf of another person; or use the Site to impersonate any person or organisation. Breach of this clause may be a criminal offence. We may report breaches to law enforcement and disclose your identity to them, and your right to use the Site ends immediately.

How you may use material on the Site. We own or license all intellectual property rights in the Site and its content, other than insurer content, which belongs to the relevant insurer. You may view the Site, print one copy of and download extracts from any page for your personal, non-commercial use, and keep a record of what you approved. You must not modify what you have copied, use any image or media separately from its text, remove any notice of ownership, or use any part of the Site commercially without a licence from us or the relevant insurer.

Do not rely on information on the Site. Information on humanapproved.com is general information about our services and is not advice. Information on a review page about an insurance product is provided by the insurer; we show it as the insurer approved it and do not check or guarantee its accuracy or completeness. We are not an insurer, an insurance intermediary or an adviser, and nothing on the Site is a recommendation about whether to buy or change any product. Consider seeking advice before acting on anything on the Site.

Websites we link to. Links to other websites are provided for information only. We have no control over those websites and do not endorse them.

Rules about linking to the Site. You may link to our home page in a way that is fair and legal and does not damage our reputation or suggest any association or endorsement that does not exist. You must not frame the Site or link to it from a website you do not own. You must not link to a review page except by using the link issued for that approval. We may withdraw linking permission at any time.

Part 2: The approval page

What the approval page is. If an AI assistant acting for you tries to buy an insurance product, or make a change to a policy, with an insurer that uses HumanApproved, the transaction is paused and you are sent a link to a review page, either through the assistant or by SMS or email. On the review page you can see what the assistant is buying or changing for you, the key terms and exclusions, the insurer's documents, and the information the assistant gave the insurer about you. You can approve the transaction or reject it.

You cannot change anything on the page. If something is wrong or you want something different, reject the transaction and tell your assistant. Your assistant will go back to the insurer, and if it obtains a new quote you will receive a new link and a new approval will start. An approval, once given, cannot be edited.

Your contract is with the insurer, not with us. Any policy you buy or change is a contract between you and the insurer. We are not a party to it. We do not sell, arrange, recommend, or advise on insurance, and we do not act for you or for the insurer in deciding whether a policy is issued or changed. We provide the technology that lets you review and approve, and we give the insurer a record of what you did.

What your approval means. When you approve, you are confirming to the insurer that you have had the opportunity to review the information shown to you, that the information about you is correct to the best of your knowledge, and that you authorise the transaction shown, at the price shown, with the options shown. The insurer relies on that confirmation. Read everything before you approve. If anything is wrong or unclear, reject the transaction and contact your assistant or the insurer. Approving does not by itself mean the insurer will issue or change the policy; that is the insurer's decision.

Your duty to the insurer. The law in your country requires you to take reasonable care not to make a misrepresentation to an insurer, and the insurer's documents explain that duty. Answers given by an AI assistant on your behalf are treated as your answers. The review page is designed to let you check them. We make no promise that approving cures any mistake in those answers, and we are not responsible for the consequences of incorrect information given to the insurer by you or by an assistant acting for you.

Your link and the verification step. Your review link contains the key that unlocks the information on the page in your browser; it expires 60 minutes after it is issued. Before you can approve, you complete a verification step chosen by the insurer, such as entering a one-time code sent to your phone or email, or completing a human-verification check. The step confirms that a person is present; it does not verify your identity. Your link and any code are personal to you. Do not share either with anyone, including your AI assistant. An approval made using your link and code is treated as made by you, and we are not responsible for approvals made with a link or code you shared, unless we failed to use reasonable care and skill.

The approval record. We keep a signed, time-stamped record of your decision and of the pages exactly as they were shown to you, and we give it to the insurer. The copy of the pages is sealed so that only the insurer can open it; we cannot. You can download a copy of what you approved at the end of the approval, and we recommend that you keep it. Our Privacy Policy explains how long records are kept and how to request one later.

If you are not using an AI assistant. Our detection may occasionally treat a person as automated software. If that happens you can simply complete the review and approval yourself. If you think a detection decision has significantly affected you, contact Support at humanapproved.com and a person will review it.

Help. The review page explains each step. If something on the page does not work, contact Support at humanapproved.com. We cannot help with questions about the quote, the policy or the insurer's decisions, because we cannot see the content of what you are reviewing; please ask your assistant or the insurer.

Part 3: Developers and AI platforms

If you develop or operate an AI assistant, agent, platform, or other automated software that interacts with HumanApproved (a "Developer"), the following terms also apply to you. You must pass any review link to the person you act for, unaltered and in full, and must not open, read, scrape, cache, store, submit, or complete a review page yourself, or retain the link after passing it on. You must not attempt to obtain, guess, intercept, or enter a one-time code, complete a verification check, or generate, replay, or forge an approval token or webhook. You must treat any approval token as confidential to the transaction it relates to. You acquire no rights in HumanApproved, and we owe you no obligation under these terms other than to operate the Site with reasonable care. We may block any Developer that breaches these terms. Developers who want a formal integration can contact us through Support at humanapproved.com for our API and MCP terms.

Part 4: Liability, law and country-specific terms

What we do not exclude. Nothing in these terms excludes or limits any liability that cannot be excluded or limited by law, including liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or under consumer protection law that cannot be excluded.

If you are a consumer. The Site is for your personal use. We are not liable to you for any loss of profit, loss of business or business opportunity, or any loss that was not foreseeable when you started using the Site. We are not liable for the content of any insurance product, for the insurer's decisions, for the acts or omissions of any AI assistant, or for incorrect information given to an insurer by you or on your behalf. If defective digital content we supply damages your device or data and this is caused by our failure to use reasonable care and skill, we will repair the damage or pay reasonable compensation.

If you are a business user. We exclude all implied conditions, warranties and terms to the extent the law allows. We are not liable for any indirect or consequential loss, or for loss of profit, sales, business, revenue, anticipated savings, goodwill, data, or business opportunity, however arising. Our total liability to you in connection with the Site is limited to GBP1,000 if you are in the United Kingdom and AUD2,000 if you are in Australia. Insurers and Developers with a separate agreement with us are governed by that agreement.

Complaints about the Site or our service. Contact Support at humanapproved.com. We will acknowledge your complaint promptly and aim to resolve it within 30 days.

Complaints about insurance. Complaints about an insurance product, quote, policy, claim, or the insurer's decisions must be made to the insurer, which has its own complaints process and belongs to the independent dispute resolution scheme named for your country below.

General. If any part of these terms is found to be unenforceable, the rest continues to apply. A failure by us to enforce any term is not a waiver of it. These terms are between you and Open; no one else has rights under them. These terms are available in English only.