Terms of Service | AI Gestion

Version: 3.1.0, last updated: August 4, 2026.

Article 1: Purpose

These terms of service are intended to define the rules applicable to access to and use of the platform named "AI Gestion" (hereinafter the "Platform"), as well as the rights, obligations, and responsibilities of any person using its services.

The Platform is primarily intended for Moroccan insurance agencies and facilitates the administrative, documentary, and communication management of insurance claim cases.

The Platform may in particular enable the creation, organization, and tracking of claim cases, the receipt and processing of documents, the management of exchanges with clients and experts, the sending of emails, messages, follow-ups, and notifications, as well as the use of automated assistance, filing, summarization, or analysis features.

The Platform is exclusively a technical tool for organization, automation, and assistance. It does not replace the analysis, judgment, decision, or professional responsibility of agencies, their managers, their agents, experts, or any other person authorized to take part in the processing of a claim case.

Access to and use of the Platform imply full, unreserved acceptance of these terms in the version applicable at the time of use.

Article 2: Definitions

For the purposes of these terms, "Agency" means any insurance agency or professional entity holding authorization to access the Platform under a subscription or business relationship with the Operator.

"User" means any individual holding authorized access to the Platform, including a director, manager, agent, employee, or authorized client.

"Client" means any individual or legal entity whose information or claim case is processed through the Platform.

"Expert" means any person engaged by an Agency to examine, assess, or process all or part of a claim case.

"Case" means the complete set of information, documents, communications, exchanges, decisions, and elements relating to a specific claim.

"Operator" means the business AI Gestion, which operates the AI Gestion Platform from Tangier, Morocco.

Article 3: Access Conditions

Access to the Platform is reserved for Agencies with an active subscription and for Users expressly authorized by the relevant Agency or by the Operator.

Each User benefits only from the features and information corresponding to their role, duties, and the authorizations granted to them.

Access to the Platform may be subject to an identification or authentication mechanism. Any credentials assigned to a User are strictly personal, confidential, and must not be shared with any other person.

The User is responsible for safeguarding, keeping confidential, and using their credentials. They must take all reasonable precautions to prevent their loss, disclosure, misuse, or unauthorized use.

Any User who notices suspicious access, abnormal use of their account, loss of control of their credentials, or an attempted unauthorized access must immediately inform the Operator at: aigestionmaroc@gmail.com.

The Operator may suspend, restrict, block, or revoke any access when such a measure is reasonably necessary to protect the Platform, data, Agencies, Users, or third parties, to comply with these terms, to prevent fraud, to end a breach, or to fulfill a legal obligation.

Article 4: Account Creation and Management

An account may be created by the Operator, by an Agency, or by any person authorized to do so.

Information provided when creating an account must be accurate, complete, up to date, and must not impersonate a third party.

The Agency is responsible for creating, managing, modifying, and removing the access it grants to its own Users.

The Agency must remove or suspend a User's access when that User leaves the Agency, changes role, no longer needs to access the Platform, or poses a risk to the confidentiality or security of data.

The Operator cannot be held liable for access maintained by an Agency for the benefit of a person who should no longer have that access.

Article 5: Agency Obligations

The Agency remains solely responsible for the use of the Platform carried out under its authority, for managing its Users, and for defining their access rights.

The Agency is responsible for the accuracy, relevance, lawfulness, and up-to-date status of the information, documents, and instructions it enters or has entered into the Platform.

The Agency is also responsible for complying with its professional, contractual, regulatory, and legal obligations in the course of processing claim cases.

The Agency must ensure it has a valid legal basis allowing it to collect, record, use, retain, transmit, and process the data entered into the Platform.

The Agency must inform data subjects about the processing of their data when this obligation falls to it.

The Agency remains responsible for decisions made on the basis of information available on the Platform and must verify any information or automated result before using it in a decision with legal, financial, commercial, or professional consequences.

Article 6: User Obligations

The User agrees to use the Platform only within the scope of their duties, authorizations, and the purposes set out in these terms.

The User must not access or attempt to access an account, feature, document, Case, or data for which they do not hold valid authorization.

The User must not use another person's account, identity, credentials, or authorizations.

The User must not enter into the Platform information that is false, misleading, fraudulent, defamatory, unlawful, or infringes the rights of a third party.

The User must not enter, transmit, or upload any file, program, code, or other element likely to damage, alter, disrupt, or compromise the Platform or the systems to which it is connected.

The User must not bypass or attempt to bypass access restrictions, security controls, or data-separation mechanisms.

The User must not extract, copy, collect, or bulk-export data outside the Platform's authorized features.

The User must not carry out penetration testing, vulnerability scanning, decompilation, reverse engineering, reproduction, or modification of the Platform without the Operator's prior written authorization.

Any fraudulent, abusive, unlawful use, or use contrary to these terms may result in the immediate suspension of the access concerned.

Article 7: Information and Documents Transmitted

The User must only transmit the information and documents necessary for processing the relevant Case.

Before any transmission, the User must verify that the document corresponds to the correct Case, is legible, complete, relevant, and intended for persons authorized to receive it.

The User must avoid transmitting information that is manifestly unnecessary, excessive, or unrelated to the processing of the Case.

The User is responsible for the consequences resulting from transmitting a document that is incomplete, incorrect, illegible, misfiled, or sent to the wrong recipient.

The Operator may block, isolate, refuse, or delete a file where there is reasonable doubt regarding its security, lawfulness, content, or compliance with these terms.

Article 8: Automated Features

The Platform may offer automated features enabling, among other things, the filing of documents, analysis of messages, summarization of information, identification of elements within a case, generation of suggestions, or assistance to Users in tracking operations.

The results produced by these features are provided for guidance only and do not constitute a final decision, legal advice, an expert opinion, professional validation, or a guarantee of accuracy.

Automated results may be incomplete, incorrect, imprecise, or unsuited to certain situations.

The Agency and the User must verify results before any decision, validation, transmission, payment, refusal, acceptance, or other action likely to produce legal, financial, or professional consequences.

The Operator cannot be held liable for a decision made solely on the basis of an automated result that was not subject to sufficient human verification.

Article 9: Platform Availability

The Operator implements reasonable means to ensure access to and operation of the Platform.

The Operator does not, however, guarantee permanent, continuous, and uninterrupted availability of the service.

Access to the Platform may be temporarily interrupted for reasons of maintenance, correction, updates, improvement, security, failure, overload, malfunction, or force majeure.

Access may also be affected by an issue related to an external provider, a telecommunications network, an email service, a payment system, computer equipment, or the User's internet connection.

Where reasonably possible, planned maintenance operations are communicated in advance to the Agencies concerned.

Article 10: External Services and Providers

Certain Platform features may depend on services provided by external providers, notably for hosting, email, communications, payments, storage, security, or automated processing.

The Operator does not have full control over the operation, availability, changes, or interruptions of these external services.

The Operator cannot be held liable for damage resulting solely from a failure, interruption, delay, change, or fault attributable to an external provider.

The Operator may change or replace a provider when necessary to maintain, improve, secure, or ensure the continuity of the Platform.

Article 11: Intellectual Property

The Platform, its software, structure, organization, interfaces, databases, text, visual elements, features, documentation, and distinctive signs are protected under applicable intellectual property rules.

Access to the Platform transfers no intellectual property right to the Agency or the User.

The Agency and the User hold only a personal, limited, non-exclusive, non-transferable, and revocable right to use the Platform for the duration of their authorized access.

Any unauthorized reproduction, adaptation, modification, extraction, distribution, commercialization, making available, or exploitation of all or part of the Platform is prohibited.

Information and documents entered into the Platform remain the property of their respective owners.

The Agency authorizes the Operator to process the information and documents it enters only to the extent necessary for the operation, security, maintenance, and provision of the Platform.

Article 12: Operator's Liability

The Operator is bound by a best-efforts obligation in providing the Platform.

The Operator does not guarantee that the Platform will meet all of an Agency's or User's particular needs.

The Operator does not guarantee that information entered by Users is accurate, complete, up to date, or lawful.

The Operator cannot be held liable for damage resulting from information that is erroneous, incomplete, outdated, or transmitted late by an Agency, a User, a Client, an Expert, or a third party.

The Operator cannot be held liable for misuse of the Platform, for access granted by an Agency to an unauthorized person, for negligence in protecting credentials, for a transmission to the wrong recipient, or for a decision made without sufficient verification.

The Operator cannot be held liable for a delay in processing a case where that delay results from an action or omission by the Agency, the User, the Client, the Expert, or an external provider.

The Operator is liable only for direct, certain, and foreseeable damage resulting from a breach directly attributable to it, within the limits permitted by applicable law.

No provision of these terms may exclude liability whose exclusion would be prohibited by law.

Article 13: Liability of the Agency and Users

The Agency retains full responsibility for the management of its Cases, its professional obligations, its relationships with its Clients, its communications with Experts, and its decisions.

The Agency is responsible for complying with the deadlines applicable to its Cases and may not treat the Platform as the sole means of monitoring or reminding it of its deadlines.

The User is responsible for actions carried out through their account, except where they demonstrate that those actions result from fraudulent use not attributable to them.

The Agency and the User must verify the proper receipt of important communications and must not assume that an email, message, or notification has actually been read by its recipient.

Article 14: Security

The Operator implements reasonable technical and organizational measures designed to protect the Platform and the data processed against unauthorized access, loss, alteration, destruction, and unlawful disclosure.

For security reasons, information relating to the Platform's architecture, internal systems, control mechanisms, administrative procedures, technical configurations, and protective measures is not made public.

As no computer system can be considered entirely invulnerable, the Operator does not guarantee the absolute absence of any incident, fraudulent access, failure, or vulnerability.

Any incident, suspicious access, abnormal behavior, or suspected vulnerability must be reported to: aigestionmaroc@gmail.com.

Reporting a vulnerability does not authorize its author to exploit it, access data, disrupt the Platform's operation, or carry out tests without prior written authorization.

Article 15: Pricing

Rates applicable to use of the Platform are provided upon request via a quote.

The price may vary depending on the requested features, the number of Users, the volume of Cases, the services included, and the plan selected.

The accepted quote or commercial document specifies the applicable price, the billing period, and the specific terms of the offer.

Billing may be monthly or annual depending on the offer chosen by the Agency.

Article 16: Payment

Payment must be made in accordance with the terms indicated in the accepted quote, invoice, or offer.

The Agency must ensure that the information necessary for billing is accurate and up to date.

In the event of non-payment or late payment, the Operator may suspend access to the Platform after notifying the relevant Agency.

Suspension of access does not release the Agency from paying amounts already due.

Any bank fees, rejection fees, or fees resulting from a payment method used by the Agency remain its responsibility where applicable.

Article 17: Subscription Term

Unless otherwise expressly agreed in a quote or specific contract, the subscription is entered into with no minimum commitment period.

The subscription continues for successive billing periods until terminated by the Agency or the Operator under the conditions set out herein.

Where billing is monthly, each billing period corresponds to one month.

Where billing is annual, each billing period corresponds to one year.

Article 18: Termination by the Agency

The Agency may request termination of its subscription at any time where the subscription carries no minimum commitment.

The termination request must be sent in writing to: aigestionmaroc@gmail.com.

Termination takes effect at the end of the current billing period.

Termination does not entail automatic reimbursement of amounts corresponding to a period already begun, used, or invoiced, unless otherwise agreed or legally required.

The Agency remains responsible for paying amounts due up to the effective date of termination.

Article 19: Suspension or Termination by the Operator

The Operator may suspend or terminate an Agency's access in the event of non-payment, a serious breach of these terms, fraudulent use, an attempted security breach, manifestly unlawful processing, or a legal obligation.

Where circumstances permit, the Operator informs the Agency of the reason for the suspension or termination.

The Operator may ask the Agency to take corrective measures before restoring its access.

In the event of a serious risk to security, the confidentiality of data, or the rights of a third party, suspension may occur immediately.

Article 20: Consequences of Termination

From the effective date of termination, the Agency's Users may lose access to the Platform.

The Agency must take the necessary steps to retrieve the information it needs before the end of its access, where such retrieval is technically available and legally permitted.

Termination does not necessarily result in the immediate deletion of all data.

Certain data may be retained for the period necessary to comply with legal, accounting, tax, contractual, evidentiary, or litigation-related obligations.

Data that is no longer necessary is deleted, anonymized, or made permanently inaccessible in accordance with applicable procedures.

Article 21: Evolution of the Platform

The Operator may modify, correct, improve, replace, add, restrict, or remove certain Platform features.

Such changes may be made to improve the service, strengthen security, comply with a legal obligation, correct an error, or account for a technical development.

Material changes likely to affect the main terms of use are communicated to the relevant Agencies where possible.

Article 22: Amendment of These Terms

The Operator may amend these terms to reflect a legal, regulatory, technical, functional, commercial, or organizational change.

The new version may be communicated via the Platform, by email, or by any other appropriate means.

Where the amendment is material, renewed acceptance may be required before continued use of the Platform.

Article 23: Force Majeure

No party may be held liable for a failure resulting from an unforeseeable, irresistible, and external event that reasonably prevents the performance of its obligations.

This may include, in particular, natural disasters, fires, general network outages, major failures, conflicts, administrative decisions, large-scale cybercrime, or interruptions affecting essential infrastructure.

Article 24: Severability

If a provision of these terms is declared void, unenforceable, or without effect, the remaining provisions remain applicable.

The provision concerned must be interpreted or replaced in a manner that best preserves its original purpose while complying with applicable law.

Article 25: No Waiver

The fact that the Operator does not immediately exercise a right or remedy does not constitute a definitive waiver of the subsequent exercise of that right or remedy.

Article 26: Governing Law and Dispute Resolution

These terms are governed by Moroccan law.

In the event of a dispute or disagreement, the parties must seek an amicable solution before initiating legal proceedings.

Any amicable request may be sent to: aigestionmaroc@gmail.com.

Failing an amicable settlement, the dispute falls under the jurisdiction of the competent Moroccan courts, subject to applicable mandatory rules.