# Tesora: full content > Tesora is the actuarial workbench for property and casualty insurers. Its AI agents ingest SERFF filings and loss data, build and deploy rating models as callable pricing APIs, run loss modeling and reserving, and audit every analysis, with a citation on every value and a fully reproducible audit trail. Built for admitted carriers, E&S and specialty carriers, MGAs, and actuarial teams, and backed by Foundation Capital and Y Combinator (S25). Generated at: 2026-08-10T16:06:02.442Z --- url: https://tesora.ai/ title: Tesora: Frontier AI for Actuaries section: Product last_modified: 2026-08-10T16:05:51.286Z --- # Tesora: Frontier AI for Actuaries # Tesora: Frontier AI for Actuaries Complete complex actuarial work in a quarter of the time. # Precise , finally trusted to AI Get actuarial work done fast with reproducible audit trails at a fraction of the cost. **Foundation Capital** **Y Combinator** **Trustworthy by design** If the Workbench is the surface your team works on, the Harness is the membrane around the agents underneath it, continuously regrading their work, holding the audit log, and keeping author, reviewer, and approver separate, so that every decision the system reaches is still one of yours to make. **Built for enterprise security** **FAQ** **Frequently asked questions** ## Bring us your hardestactuarial question A tangled web of formulas, a stale memo, a rater your team can't get off Excel. Make it hard for us, and let us show you the breadth of the Workbench. --- url: https://tesora.ai/about title: About Tesora: our mission and the team section: Company last_modified: 2026-08-10T16:05:51.286Z --- # About Tesora: our mission and the team # About Tesora: our mission and the team # Give actuaries their judgment back. Ask an actuary what they do and you get a pause before the answer. It is not modesty. They are deciding which part to describe, because pricing the book and defending the indication to a rate committee and answering the regulator and closing the quarter are all equally the job, and it was never really one job to begin with. That shape is why so much AI aimed at this work disappoints. Automating a single step leaves the other nine standing, along with every handoff between them, and the handoffs are where the hours actually go and where the errors actually hide. So we built something wide rather than narrow, and built it for the reviewer as much as for the author, which is why every value the system fills in can be traced back to the cell or the page it came from. None of this is meant to replace the actuary. Judgment is the part that should stay human, and the harder half of the problem is still ahead of us. A model only learns work like this if its attempts can be graded and handed back the way a reviewer hands them back, which means the people doing the grading have to be in the building. That is the frontier we are pushing on, and it is why we hired practitioners before we hired anyone to sell to them. ## Meet our team. Only the best need apply. See the open roles ## We are sponsoring the next generation of actuaries Tesora is an Executive Partner of the Casualty Actuarial Society for the 2026-2027 program year. We are proud to support the CAS and its initiatives, including the open-source community meetings. ## Come build the rest of it. There is a lot of work to do at the frontier. We are racing forward, and if you want to be part of it, please apply. --- url: https://tesora.ai/actuarial-reserving-software title: Actuarial reserving software with the audit trail built in section: Product last_modified: 2026-08-02T01:28:40.802Z --- # Actuarial reserving software with the audit trail built in # Actuarial reserving software with the audit trail built in Reserving lives and dies on data quality and reproducibility. Tesora replaces the network of reserving spreadsheets with versioned, cited analyses, development triangles, chain ladder, Bornhuetter-Ferguson, and Cape Cod, plus instant anomaly detection and statutory reporting. ## Reserving without the spreadsheet risk - Build and analyze development triangles by accident, policy, or report year. - Run chain ladder, Bornhuetter-Ferguson, Cape Cod, and Berquist-Sherman in one place. - Detect anomalous diagonals and trends automatically. - Produce Schedule P and statutory exhibits from the same data spine. - Keep every figure cited and every run reproducible. ## Methods, explained The estimation techniques on Exam 5, development/chain ladder, expected losses, Bornhuetter-Ferguson, Cape Cod, frequency-severity, Berquist-Sherman, and Benktander, are exactly the methods Tesora assembles. The actuary selects and justifies the method; the system handles the assembly and the documentation. --- url: https://tesora.ai/actuary title: For Actuaries: How Tesora supplements your workflow section: Product last_modified: 2026-08-02T01:28:40.795Z --- # For Actuaries: How Tesora supplements your workflow # For Actuaries: How Tesora supplements your workflow ### Calculate your ROI Based on hours saved per submission at $/hr actuary cost **Tesora** # From raw submission to risk determination in hours AI-powered actuarial workbench for commercial P&C teams. Eliminate manual data entry, run Monte Carlo natively, and keep every number traceable to its source. ## Three capabilities. One workbench. **GL SEVERITY DISTRIBUTION COMPARISON** **REPORT BUILDER** ## Trusted by leading insurance teams **Real Property Captive** ### Real Property Captive Data ingestion, enrichment, structuring, reporting, and analysis for a real estate captive insurance provider. **Angad Guglani** **Captive Insurance Partners** ### Captive Insurance Partners Automated administrative and reporting processes that previously required extensive manual coordination. ## Let your actuaries do the work they love with intelligent tools For specialty insurance, more nuanced models → better understanding of risk → lower loss ratio. Tesora lets actuaries model as many scenarios as they can dream of at the speed of thought. ## Built for how actuaries actually work The workbook is powered by an excel engine with actuary-specific tools for monte carlo simulation, curve fitting, trend application, and more. ## Why actuarial teams choose Tesora Let us show you how Tesora makes your actuaries more profitable. ## Frequently asked questions Common questions from actuarial teams. ## See how Tesora makes your team more profitable 30-minute demo with your actual submission data. We'll show you the ROI. **Tesora** --- url: https://tesora.ai/admitted title: Admitted Carriers: Filing-driven rating with SOX-grade audit section: Customers last_modified: 2026-08-10T16:05:51.286Z --- # Admitted Carriers: Filing-driven rating with SOX-grade audit # Admitted Carriers: Filing-driven rating with SOX-grade audit # Competitive analysis once thought unthinkable What used to take weeks now takes minutes: reconstruct competitor rate plans, run your book through them, and keep every input and output preserved for review. Six carriers, 2,000 risks, 18 parsed filings. Win share, ridgeline of premium distributions, and twenty representative risks priced side by side. ## A competitor's filing drops Monday. The committee meets Friday A new SERFF filing hits the public docket and the question is the same every time: what changed, what does it do to our book, and is there an indication to follow it. The work used to take days of hunting the manual, reconstructing the formulas, and running exposures. By the time the answer arrives, the committee has already moved on. Tesora reconstructs the competitor rate plan, diffs it to the prior version, and runs your in-force book through it overnight. Every factor change is cited to the page. Every result is reproducible against the same data and the same standards months later, when the DOI asks how the analysis was done. ## Capabilities the admitted pricing team leans on ## Two agents carry the admitted desk. Specialty desk instead? --- url: https://tesora.ai/ai-for-actuaries title: AI for actuaries: a practical guide across the actuarial lifecycle section: Resources last_modified: 2026-08-02T01:28:40.802Z --- # AI for actuaries: a practical guide across the actuarial lifecycle # AI for actuaries: a practical guide across the actuarial lifecycle Artificial intelligence is changing how actuaries ingest data, build models, file rates, and review work. The opportunity is not to replace actuarial judgment but to remove the assembly work around it, while keeping every figure cited, reproducible, and audit-ready. This guide covers where AI fits, the governance it demands, and how to adopt it responsibly. ## What "AI for actuaries" actually means For actuaries, the useful definition of AI is narrow and concrete: tools that automate the assembly of an analysis (finding the data, structuring it, selecting a method, drafting the memo) so the actuary spends time on judgment, not plumbing. The math (GLMs, chain ladder, on-leveling) was settled decades ago. What slows the work is everything around it. The risk that makes generic AI unusable in actuarial work is the same thing that makes it fast: it will produce a confident answer whether or not it can defend one. Actuarial work is non-discretionary and regulator-reviewed, so an answer that cannot cite its source is worse than no answer at all. ## Where AI fits in the actuarial lifecycle AI is most valuable at the seams of the workflow, where work historically leaked into manual effort: - Ingestion: structuring data from SERFF filings, broker submissions, Excel, SQL, and R, while recording where each value came from so it can be cited later. - Insight: assembling trending, on-leveling, severity fits, GLMs, and reserving analyses, with the actuary choosing the method and owning every decision. - Rating: turning Excel raters, SERFF filings, or scripts into versioned, self-tested, callable pricing models with separated author/reviewer/approver roles. - Audit: continuously re-checking analyses and raters, surfacing methodology issues, and screenshotting the source of every factor. ## The governance AI demands The CAS AI Primer is explicit that generative AI is "a powerful assistant, but not a substitute for critical thinking," and warns against accepting AI output without validation. The professional standards an actuary is held to do not relax because a model was AI-assisted: ASOP 23 (Data Quality), ASOP 41 (Communications), and ASOP 56 (Modeling) still apply in full. In practice that means AI for actuaries has to ship with the controls actuarial work already requires: citations on every value, reproducibility of every result, an audit log on every promotion, and author, reviewer, and approver kept as separate identities. Validation loops are how AI output earns trust: comparing against traditional models, sensitivity testing, and peer review. ## How to adopt AI responsibly - Start where the work is reproducible and low-judgment (ingestion, documentation) before automating method selection. - Require provenance: if a number cannot be traced to a source, it does not ship. - Keep the actuary in control of every decision; AI assembles, the actuary signs. - Deploy in a governed environment with role separation so AI never becomes a black box. ## Frequently asked questions ### Will AI replace actuaries? The American Academy of Actuaries notes that prior technology shifts increased demand for actuarial skills, and expects AI to mirror predictive analytics: automating repetitive analyst work while raising demand for judgment at the mid-to-senior level. The credential stays valuable because someone has to take regulatory responsibility for the model. ### Is AI output reproducible enough for a rate filing? Only if the system is built for it. Reproducibility requires pinning to specific data, recording the method and parameters, and citing every value back to its source. Tesora is designed so that every figure is traceable and every analysis can be re-run. ### How does AI handle ASOP compliance? AI does not absolve the actuary of ASOP responsibility. The right approach builds checks into the workflow (data-quality validation for ASOP 23, clear communication and documentation for ASOP 41, and modeling controls for ASOP 56) and keeps a human reviewer in the loop. --- url: https://tesora.ai/audit title: Audit Agent: Every value traceable, every analysis reproducible section: Product last_modified: 2026-08-05T21:35:01.431Z --- # Audit Agent: Every value traceable, every analysis reproducible # Audit Agent: Every value traceable, every analysis reproducible # Every value traceable. Every analysis reproducible. The Audit Agent is the harness around the others. Every input, analysis step, and output is preserved with author, reviewer, approver, and citations, then replayable in full for the rate committee and the DOI. If it can't be cited, it doesn't ship. ## Trust that holds up in front of a committee. ## From scramble to sign-off, with the trail intact. ## Citations, separation of duties, and a full replay. ## See the Audit Agent on your work. Bring an analysis or a rater. We'll show you the regrade, the citations, and the full replay in front of you. --- url: https://tesora.ai/best-insurance-pricing-software title: Best insurance pricing software for actuaries (2026) section: Product last_modified: 2026-08-02T01:28:40.802Z --- # Best insurance pricing software for actuaries (2026) # Best insurance pricing software for actuaries (2026) The right pricing platform depends on your lines of business, how much you value reproducibility and governance, and whether you want to automate the whole lifecycle or just modeling. This guide compares the leading options and the trade-offs between them. ## The shortlist | Platform | Best for | Approach (per their own site) | | --- | --- | --- | | Tesora | Audit-first, full-lifecycle automation | Agentic, cited, reproducible | | Akur8 | Pricing, reserving, and life | Transparent automated GLMs/GAMs | | hyperexponential | Specialty / commercial pricing + underwriting | Python-native decision intelligence | | WTW Radar | Pricing, underwriting & claims analytics | Radar/Emblem + Radar with Python | | Earnix | Real-time decisioning at scale | AI decisioning & orchestration | | Guidewire PricingCenter | A unified pricing & rating environment | Unified lifecycle, deploy via API | ## How to choose - If you need every figure cited and every analysis reproducible for regulators, prioritize provenance and audit trail. - If you want to automate ingestion and documentation, not just modeling, look for lifecycle coverage. - If you are deep in one core system (e.g. Guidewire), native integration can outweigh best-of-breed modeling. - If your business is high-volume personal lines, raw rating throughput matters most. --- url: https://tesora.ai/blog title: Blog: Long-form writing from the Tesora team section: Blog last_modified: 2026-08-10T16:05:51.286Z --- # Blog: Long-form writing from the Tesora team # Blog: Long-form writing from the Tesora team # Insights for Actuaries Research and analysis on the transformation of actuarial work, from document processing to AI-powered pricing, reserving, and rate filing. ## Ready to transform your actuarial workflow? See how Tesora can turn hours of data wrangling into minutes of analysis. --- url: https://tesora.ai/careers title: Careers: Engineering, actuarial, and GTM at Tesora section: Company last_modified: 2026-08-08T19:01:58.774Z --- # Careers: Engineering, actuarial, and GTM at Tesora # Careers: Engineering, actuarial, and GTM at Tesora # Build the future of actuarial work. Hiring AI-native engineers and operators who do the work of armies. You'll be in the room with chief actuaries while we ship regulated AI. ## How we work. Actuarial work is one of the hardest things to hand to a model, and that is the reason to work on it. A frontier model will build you a triangle in seconds and still miss what a chief actuary catches in a glance: that the tail factor is indefensible for this book, that the data behind two of those years is not credible, that a regulator has already rejected this argument in this state. Nobody has systematically solved that, us included. The labs are further from it than their demos suggest, because the missing piece is not more fluency, it is judgment that survives review. Getting there is the job, and it is why this is worth a few years of your life rather than a weekend project. ## Benefits. Open the role you want to apply to below and click through to apply on Y Combinator Work at a Startup. Trouble loading? View the full board on ycombinator.com/companies/tesora/jobs , or email founders@tesora.ai . ## Don't see your role? Priced specialty lines, run an actuarial team, or built infrastructure for regulated AI? Write to us. We hire ahead of the role. --- url: https://tesora.ai/customers title: Customers: Admitted carriers, E&S, and education section: Customers last_modified: 2026-08-10T16:05:51.286Z --- # Customers: Admitted carriers, E&S, and education # Customers: Admitted carriers, E&S, and education # Built for the teams that carry the risk The work looks different depending on who is doing it. An admitted carrier lives inside the filed manual and answers to a regulator. An E&S underwriter has days, not months, and a manuscript form nobody has seen before. A student is still learning where the numbers come from. Tesora covers all three, so pick the one that sounds like your week. **Specialty · E&S** **Non-Admitted** **Admitted · Filings** **Admitted** **Students · Education** **Students** --- url: https://tesora.ai/governance title: Governance: Reproducible audit trails for actuarial work section: Product last_modified: 2026-08-02T01:28:40.797Z --- # Governance: Reproducible audit trails for actuarial work # Governance: Reproducible audit trails for actuarial work ### Thank you! We'll be in touch shortly to schedule your demo. ### Request a Demo 30-minute walkthrough with your actual rating models. **you@company.com** **Jane Smith** **Acme Insurance** **Tesora** # Build rating models in Excel. Deploy with audit trails. Version control, trauma studies, and SOX compliance for your rating algorithms. No Python required. Every version saved for on-leveling. ## Three pillars of rating governance Build models your actuaries already know how to build. Version everything for on-leveling. Govern with trauma studies and compliance automation. ## What makes us different The governance features that make actuaries say "finally." ## Why pricing teams choose Tesora Spend less time deploying software. Spend more time updating your models. ## Frequently asked questions Common questions from pricing actuaries. ## See rating governance in action 30-minute demo with your actual rating models. We'll show you trauma studies on your book. **Tesora** --- url: https://tesora.ai/guides/bornhuetter-ferguson title: The Bornhuetter-Ferguson method, explained section: Resources last_modified: 2026-08-02T01:28:40.802Z --- # The Bornhuetter-Ferguson method, explained # The Bornhuetter-Ferguson method, explained The Bornhuetter-Ferguson (BF) method is a reserving technique that blends an a priori expected-loss estimate with the chain ladder. It is most useful for immature accident years, where the chain ladder alone over-reacts to a thin, volatile diagonal. ## The intuition The chain ladder leverages reported losses to project ultimates, which works well for mature years but becomes unstable when little has developed. BF addresses this by weighting between the chain ladder result and an a priori expectation (often an expected loss ratio times premium), using the expected percent reported as the weight. Concretely, BF estimates ultimate losses as reported losses plus expected unreported losses, where the unreported portion is the a priori estimate multiplied by the proportion of losses still expected to emerge. ## When to use it - Immature accident years where the chain ladder is volatile. - Long-tailed lines where early development is sparse. - As a cross-check against the chain ladder and expected-loss-ratio methods. --- url: https://tesora.ai/guides/excel-rater-to-api title: How to convert an Excel rater into an API section: Resources last_modified: 2026-08-02T01:28:40.802Z --- # How to convert an Excel rater into an API # How to convert an Excel rater into an API Most insurance rating logic still lives in Excel: transparent, but stuck on laptops and hard to deploy. Turning that workbook into a governed, callable API lets every system price consistently while keeping Excel as the source of truth. Here is the approach, and the governance it requires. ## The basic mechanics At its simplest, converting a rater to an API has three steps: - Tag inputs and outputs: name the cells that take parameters (state, limits, exposure) and the cells that return results (premium, factors). - Extract the logic: load the workbook into an engine that executes the formulas server-side, or translate them to production code. - Expose an endpoint: publish a REST API that accepts a JSON payload of inputs and returns the calculated outputs. ## What a naive conversion misses Wrapping a spreadsheet in an endpoint is the easy part. For insurance, the hard part is governance: every rate change has to create a new version, previous versions must remain available for audit and comparison, and each result needs a reproducible record of inputs, outputs, and timestamp. Tesora’s Rating Agent rebuilds Excel raters into versioned, self-testing models, then deploys them to an API or front end, with author, reviewer, and approver kept separate so the process stays SOX-friendly. ## Why an audit trail beats a custom rewrite A common objection to keeping Excel in production is the audit-trail problem: if a calculation ran on someone’s laptop, how do you reproduce it? Running the logic through a governed API with per-request capture actually produces better auditability than a hand-coded rewrite, inputs, outputs, timestamp, and the exact model version, every time. ## Frequently asked questions ### Do I have to rewrite my Excel formulas? No. The goal is to preserve the existing logic exactly. Tesora rebuilds the rater so the formulas and factor tables are inspectable and versioned, not re-typed into opaque code. ### How do rate changes work once it is an API? Each change should produce a new version rather than overwriting what is live, so you can review exactly what changed and roll back if needed. --- url: https://tesora.ai/guides/glm-insurance-pricing-python title: GLM insurance pricing in Python section: Resources last_modified: 2026-08-02T01:28:40.802Z --- # GLM insurance pricing in Python # GLM insurance pricing in Python Most insurers run GLMs, and many were built in Emblem or R. Doing the same thing properly in Python means handling exposure, overdispersion, and validation the way an actuary would, not the way a generic ML tutorial does. Here is the rigorous version. ## Frequency-severity, not a single model Standard practice fits two GLMs: claim frequency (Poisson, outcome = claim count, offset = log of exposure) and claim severity (Gamma, outcome = average severity conditional on a claim, weighted by claim counts). Pure premium is frequency times severity. A single Tweedie model is an alternative, but you must estimate the power parameter rather than defaulting to 1.5. ## The non-negotiables - Exposure as an offset (offset = log(exposure)), not a feature or a sample weight, otherwise the model predicts a count, not a rate. - Quasi-Poisson / overdispersion-corrected standard errors for inference; plain Poisson understates uncertainty. - Actual/Expected validation by factor band, not just global deviance: global fit can hide a bad factor. - Export factor tables as multiplicative relativities compatible with your rating engine. ## Tooling glum and statsmodels both handle exposure offsets and the GLM families correctly; sklearn does not surface exposure offsets cleanly and is a poor fit for actuarial inference. Use temporal cross-validation rather than k-fold, since insurance data has a time structure. --- url: https://tesora.ai/guides/serff-objection-response title: How to respond to a SERFF objection letter section: Resources last_modified: 2026-08-02T01:28:40.802Z --- # How to respond to a SERFF objection letter # How to respond to a SERFF objection letter When a state reviewer finds a filing does not meet requirements, they send an objection letter, and the filer must reply with a response letter. Here is the process, and how to keep every response defensible. ## The process - Open the objection letter from the Correspondence tab and review each objection. - Make any needed schedule item revisions or additions while the filing is in Revise mode, then save. - Start the response letter with "Respond" next to the objection letter; SERFF matches schedule item changes to objections. - Enter a comment for every objection, required even when no schedule change was needed. - Save, then Submit to send the response to the state. When every objection letter has a response, status moves to Pending State Action. ## Notes that trip people up - There can be only one response letter per objection letter. - Additional schedule item changes cannot be made inside the response letter: save, return to Revise mode, then associate them. - Use a Note to Reviewer only for general questions, never to submit approvable material. ## Keeping responses defensible Every response should tie back to a schedule item and a source. Tesora keeps the provenance of every factor and a full audit log of the filing, so a response can point straight to the figure that answers the objection. --- url: https://tesora.ai/ingestion title: Ingestion Agent: Read anything, remember where every number came from section: Product last_modified: 2026-08-05T21:35:01.432Z --- # Ingestion Agent: Read anything, remember where every number came from # Ingestion Agent: Read anything, remember where every number came from **img** # Read anything. Remember where every number came from. Parses SERFF filings, public rate manuals, loss runs, SOVs, and your own actuarial memos into a single typed graph. Actuarially trained, it remembers where every value and rule came from so the rest of the Workbench can cite the source later. ## One folder for filings, public data, and your own files. ## From days of cleanup to minutes, with provenance intact. ## The source travels with the data. ## See Ingestion on your files. Bring a SERFF filing, a broker submission, or a messy loss run. We'll turn it into a typed, cited graph in front of you. --- url: https://tesora.ai/insight title: Insight Agent: Loss modeling, trends, on-leveling, market research section: Product last_modified: 2026-08-05T21:35:01.432Z --- # Insight Agent: Loss modeling, trends, on-leveling, market research # Insight Agent: Loss modeling, trends, on-leveling, market research # Expert-level loss modeling, trending, on-leveling, market research, and more. Analyzes loss data, fits factors, and produces defensible memos with full provenance. Every base rate, factor, credit, and trend number traces back to the page and cell it came from. ## From days to minutes, with the audit trail intact. Pilot benchmarks from specialty P&C teams. Your Day-0 baseline is the only number we promise to beat. ## Citations or it didn't happen. Every base rate, factor, credit, and trend number traces back to the page and cell it came from. If the agent can't cite it, it can't ship it. The audit agent regrades every analysis against CAS Statements of Principles before the committee sees it. ## See Insight on your loss data. Bring a loss triangle, a SERFF filing, or a competitor rate manual. We'll run it through Insight in front of you. --- url: https://tesora.ai/insights title: Insights: Analyses without the busywork section: Product last_modified: 2026-08-02T01:28:40.797Z --- # Insights: Analyses without the busywork # Insights: Analyses without the busywork **Tesora** # Close your data feedback loop Tesora connects your data warehouse end-to-end, from raw submissions to deployed rates and back again. AI agents move data through every table so outcomes always inform the next model. --- url: https://tesora.ai/insurance-pricing-software title: Insurance pricing software built for actuaries section: Product last_modified: 2026-08-02T01:28:40.802Z --- # Insurance pricing software built for actuaries # Insurance pricing software built for actuaries Pricing software should let actuaries move from data to a deployed, defensible rate without handing the model to IT and waiting months. Tesora unifies modeling, self-testing, and deployment in one governed environment, with every factor cited to its source. ## What pricing software should do - Build raters from anywhere, Excel files, SERFF filings, or Python scripts. - Test and audit automatically before anything ships. - Deploy to a callable API or front end without an IT rebuild. - Keep author, reviewer, and approver as separate identities for SOX. - Cite every factor back to its source for regulatory review. ## Why actuaries outgrow spreadsheets Excel raters are transparent but fragile: logic lives on laptops, changes are unversioned, and deployment falls to IT. The result is a multi-month relay race from model sign-off to production, time during which rate adequacy can deteriorate. Tesora preserves the transparency actuaries rely on while adding versioning, governance, and a deployment path that does not require recoding the model. ## How Tesora compares to other pricing platforms Based on each vendor’s own description: Akur8 is an AI-first actuarial platform (pricing, reserving, life) centered on transparent automated GLMs/GAMs; hyperexponential is a Python-native pricing and underwriting platform for specialty and commercial lines; WTW Radar is an AI-powered pricing, underwriting, and claims analytics and deployment suite; Guidewire PricingCenter is a unified pricing and rating environment that deploys via API. Tesora differs in being agentic and audit-first: the work is assembled by trained agents, but every output is cited, reproducible, and reviewable. --- url: https://tesora.ai/lifecycle title: Actuarial Workbench: End-to-end actuarial lifecycle section: Product last_modified: 2026-08-08T19:01:58.773Z --- # Actuarial Workbench: End-to-end actuarial lifecycle # Actuarial Workbench: End-to-end actuarial lifecycle **Data Extraction & Ingestion feeds every stage above** ### Thank you! We'll be in touch shortly to schedule your demo. ### See the Workbench 30-minute walkthrough across the carrier lifecycle, with your filings. **Tesora** # The actuarial workbench for the entire carrier product lifecycle. From filings intelligence to bound policy, on one data spine. Ingest SERFF filings into structured artifacts, fit factors against your book, ship Excel-native raters with audit trails, and feed the same model straight into underwriting and reserving. ## The carrier product lifecycle, on one workbench Five stages, one data spine, one audit trail. The workbench covers the full carrier product lifecycle so the handoffs between actuarial, pricing, and underwriting stay lossless. ## Why pricing teams choose Tesora Spend less time deploying software. Spend more time updating your models. ## Frequently asked questions Common questions from pricing actuaries. ## See the workbench across the lifecycle 30-minute walkthrough with one of your filings. We will ingest it, version it, and show you a trauma study. **Tesora** --- url: https://tesora.ai/non-admitted title: Non-Admitted (E&S): Bind-ready pricing under E&S speed section: Customers last_modified: 2026-08-10T16:05:51.287Z --- # Non-Admitted (E&S): Bind-ready pricing under E&S speed # Non-Admitted (E&S): Bind-ready pricing under E&S speed # Quote E&S with conviction From data to deployed rater, Tesora can help every step. Anomaly detection, curve fitting, SOX compliance, API deployment. ## Making AI trustworthy for E&S actuaries While actuaries can use mainstream AI on narrow tasks, they can't streamline the workflows with AI yet, until now. Tesora brings actuarial rigor in the form of transparency and reproducibility, all with AI that is trained in actuarial science. ## From messy data to auditable rates Tesora puts the power back in the actuary's hands to manage their models, by handling the workflow and IT compliance burden that normally slows a new product launch to a crawl. New product to quote in 1 week, not 3 months. ## The audit pack the chief actuary signs against. Every bound quote ships with a per-policy audit pack. Not a one-line price. A walkable trail from the broker submission all the way down to the cell of the rater that produced each multiplier. ## The lines that don't fit a textbook. Hard-to-rate exposures, multi-class programs, and chief actuaries who own the rate plan end to end. ## Two agents carry the specialty desk. Admitted carrier instead? --- url: https://tesora.ai/privacy title: Privacy Policy section: Legal last_modified: 2026-08-08T19:01:58.775Z --- # Privacy Policy # Privacy Policy **TESORA AI PRIVACY POLICY** Tesora AI Inc. (the "Company," "we," "us," or "our") is committed to maintaining robust privacy protections for its users. This Privacy Policy ("Privacy Policy") is designed to help you understand how we collect, use, disclose, and safeguard the information you provide to us, and to assist you in making informed decisions when using our Service. For purposes of this Privacy Policy, "Site" refers to the Company's website, which can be accessed at tesora.ai. "Service" refers to the Company's products and services accessed via the Site, through which users can use AI agents for actuarial analysis, rating, ingestion, and audit workflows . The Service includes the Tesora Compute API (compute.tesora.ai) and the Tesora Compute add-in for Microsoft Excel , which are described in Section I.5. "You" refers to you, as a user of our Site or our Service, whether on your own behalf or on behalf of an organization you represent. Tesora is primarily a business-to-business service. Where you use the Service under an agreement between your organization and the Company, that organization is the controller of the data it submits, and our handling of that data is governed by the terms of that agreement. To the extent of any conflict between this Privacy Policy and a signed agreement covering your use of the Service, the signed agreement controls. By accessing our Site or our Service, you accept this Privacy Policy and our Terms of Use (found here: tesora.ai/terms), and you consent to our collection, storage, use, and disclosure of your information as described in this Privacy Policy. ## I. INFORMATION WE COLLECT We collect "Non-Personal Information" and "Personal Information." Non-Personal Information includes information that cannot reasonably be used to identify you, such as aggregated or de-identified usage data, general demographic information, referring and exit pages, platform types, and interaction counts. Personal Information includes your name, email address, company information, job title, and any other contact or account details you provide , which you submit to us through the registration process or in the course of using the Service. Our Service also allows you and your organization to upload documents and connect external accounts. We refer to the content you and your organization submit to, or generate within, the Service as "Customer Content." Customer Content may include rate filings, rate manuals, loss runs, statements of value, actuarial memos, and similar materials, along with the outputs the Service derives from them. In connection with these features we may process: (1) the content and metadata of uploaded documents; (2) authentication tokens and account information for external services you choose to connect; and (3) data transmitted from those connected accounts to our platform at your direction. We treat Customer Content as confidential and use it only to provide and support the Service, as described in Section II and Section IV. ### 1. Information collected via technology To activate the Service you do not need to submit any Personal Information other than your email address. To use the Service thereafter, you do need to submit further Personal Information , which may include your name, company information, billing details, documents you choose to upload, and credentials for any external accounts you choose to connect . In addition, to operate and improve the Service, we automatically collect information provided by your browser or by our software when you view or use the Service, such as the referring URL, the type of browser and device you use, the time and date of access, and other information that does not by itself identify you. We collect this information using cookies and similar technologies, which are small text files that include an anonymous unique identifier. On the public marketing Site, non-essential cookies load only in accordance with your consent choices, as described in Section IX. For example, we may use cookies to collect the following: - User preferences and settings - Login status and authentication tokens - Usage patterns and interaction data - Performance and analytics data We may use both persistent and session cookies. Persistent cookies remain on your device after you close your session and until you delete them, while session cookies expire when you close your browser. For example, we store a persistent cookie to keep you signed in and to remember your preferences . You can control cookies through your browser settings and through the choices described in Section IX. ### 2. Information you provide by registering for an account In addition to the information provided automatically by your browser, to become a user of the Service you or your organization will create an account. You can create a profile by registering with the Service, providing your email address, and setting authentication credentials, which may be managed through your organization's single sign-on provider. You will then be prompted to provide additional information, including your name, company information, and, where applicable, billing details. By registering, you authorize us to collect, store, and use this information in accordance with this Privacy Policy. ### 3. Information you provide through in-product support chat Within the Actuarial Workbench we make a chat widget available so you can reach our support team without leaving your work. The widget is provided and hosted by Front (FrontApp, Inc.), which acts as our subprocessor for support communications. It appears only in the Actuarial Workbench when you are signed in; it does not appear on our public marketing Site. When the widget loads, we provide it with your name and email address, together with a signature we generate on our servers that lets Front confirm the identity is one we vouched for rather than one typed into the chat form. We do this so that support conversations are attributed to the right person and so that no one can impersonate you in a support thread. The messages you send, and our replies, are stored by Front on our behalf as part of your support history, and are used to answer your questions, provide technical support, and improve the Service. The widget sets its own cookies in your browser so that a conversation survives page loads. Those cookies are necessary for the support feature to work and are not analytics or advertising cookies. When you sign out, or navigate away from the Actuarial Workbench, we instruct the widget to shut down and clear that session, so a subsequent user of the same browser does not resume your conversation. Please do not enter Customer Content or sensitive personal information into the chat beyond what is needed to resolve your question. ### 4. Sources of information We collect information directly from you, automatically through your use of the Service, and from your organization when it provisions your account or submits Customer Content. We may also receive information from service providers that help us operate the Service, such as our identity, hosting, analytics, support, and payment providers. ### 5. Tesora Compute API and Tesora Compute for Excel The Compute API and the Tesora Compute add-in for Excel are part of the Service and are covered by this Privacy Policy. The add-in adds functions to Microsoft Excel that are called from a worksheet cell as =TESORA.NAME(...). These functions are evaluated by the Compute API rather than on your device. When you enter or recalculate such a formula, the add-in transmits the arguments of that formula, meaning the cell values and ranges you pass to the function over an encrypted connection to the Compute API, which evaluates the formula and returns the result to the cell. This is the only workbook data the add-in sends. It does not read, collect, or transmit any other part of your workbook, any other open workbook, or any file on your device, and it does not modify your workbook other than by returning the results of the functions you call. Formula arguments and the results computed from them are processed only to answer the call in which they are sent. We do not retain them after the call completes, do not use them to train models, and do not sell or share them. We do log operational metadata about calls: the time, the function invoked, the response status, and a rate-limiting identifier. That metadata exists to operate, secure, and rate-limit the service. The Compute API may be used without an account. If you choose to sign in from the add-in in order to raise your rate limit, we process your account identifier and email address as described elsewhere in this Policy; authentication is handled by our identity provider, and the add-in stores the resulting access token locally in Microsoft Office storage on your device so that your formulas remain signed in. Signing out removes it. If you send us a report through our support page, we process what you write there, and the contact address you supply, in order to answer you. ## II. HOW WE USE INFORMATION We use the information we collect to: provide, operate, secure, and improve the Service; authenticate users and administer accounts; process Customer Content to generate the analyses and outputs you request; respond to your questions and provide technical support; communicate with you about the Service, including administrative and transactional messages; send marketing communications where permitted; detect, investigate, and prevent fraud, abuse, and security incidents; and comply with our legal obligations and enforce our agreements. Where we rely on consent to process your information, you may withdraw that consent at any time. Where we process information on the basis of our legitimate interests, those interests are operating and improving the Service, securing our systems, and communicating with our users, balanced against your rights and expectations. In general, we use Non-Personal Information to help us understand how the Service is used, to improve it, and to customize the user experience. We may aggregate or de-identify information so that it no longer reasonably identifies you, and we may use and disclose such aggregated or de-identified information for our legitimate business purposes. We do not attempt to re-identify de-identified information except to test that it cannot be re-identified. ## III. HOW WE SHARE INFORMATION We do not sell your Personal Information, and we do not share your Personal Information for cross-context behavioral advertising in exchange for monetary or other valuable consideration. We share Personal Information only as described below. Service providers and subprocessors. We share Personal Information and Customer Content with vendors that perform services for us, such as cloud hosting, identity and authentication, analytics, communications, customer support and messaging, and payment processing. These providers act as our subprocessors, may use the information only at our direction and for the purpose of providing services to us, and are bound by confidentiality and data protection obligations. A current list of subprocessors is available through our Trust Center, which you can reach from our tesora.ai/security page. Within your organization. Where you use the Service under an organizational account, your administrators may access account information and Customer Content associated with your organization, and may control your access to the Service. Legal and safety. We may share information with outside parties if we have a good-faith belief that access, use, preservation, or disclosure is reasonably necessary to comply with applicable law or a valid legal request; to enforce our Terms of Use, including investigation of potential violations; to address fraud, security, or technical concerns; or to protect against harm to the rights, property, or safety of the Company, our users, or the public, as required or permitted by law. Business transfers. If we undergo a business transaction such as a merger, acquisition, or sale of all or a portion of our assets, your information may be among the assets transferred. Any acquirer will remain bound by the commitments made in this Privacy Policy unless and until it is amended, and we will provide notice of any material change to how your information is handled. ## IV. ARTIFICIAL INTELLIGENCE AND AUTOMATED PROCESSING The Service uses artificial intelligence and machine learning to analyze Customer Content and generate outputs. We want to be clear about how that works. We do not train shared or foundation models on Customer Content. Your rate plans, filings, books, submissions, and other Customer Content are not used to train models that are shared across customers. Each customer's data is processed within a dedicated, isolated tenant, with no cross-tenant inference and no shared embeddings or vector stores. Human oversight and accuracy. Outputs generated by AI may contain errors or omissions and are intended to support, not replace, the judgment of qualified professionals. You are responsible for reviewing outputs before relying on them, and AI outputs should not be treated as actuarial, legal, financial, or other professional advice. The Service is designed to preserve the provenance of the values it produces so that a human reviewer can trace each output back to its source. Where we use third-party model providers to deliver AI features, we engage them as subprocessors under terms that prohibit them from using Customer Content to train their models. For more detail on our data posture, see our tesora.ai/security page. ## V. DATA RETENTION We retain Personal Information and Customer Content for as long as your account is active, as needed to provide the Service, and as required to meet our legal, tax, and regulatory obligations, resolve disputes, and enforce our agreements. Retention periods for organizational accounts are governed by the agreement between your organization and the Company. When information is no longer needed for these purposes, we delete it or de-identify it. Upon termination of an account, we delete or return Customer Content in accordance with the applicable agreement, subject to any residual copies retained in routine backups for a limited period and to any information we are required to keep by law. Formula arguments and results sent to the Compute API, including those sent by the Tesora Compute add-in for Excel, are an exception: they are held only for as long as it takes to answer the call and are not retained afterwards. See Section I.5. ## VI. INTERNATIONAL DATA TRANSFERS The Company is based in the United States, and production data is stored in United States region infrastructure by default, with European data residency available on request. If you access the Service from outside the United States, you understand that your information may be transferred to, stored, and processed in the United States and other countries where we or our service providers operate. Where we transfer Personal Information originating in the European Economic Area, the United Kingdom, or Switzerland to a country that has not been recognized as providing an adequate level of protection, we rely on appropriate safeguards, such as the European Commission's Standard Contractual Clauses, to protect that information. ## VII. HOW WE PROTECT INFORMATION We implement administrative, technical, and organizational measures designed to protect your information from unauthorized access, use, alteration, and destruction. These measures include encryption of data at rest using AES-256 and in transit using TLS 1.3, customer-scoped key management, per-tenant isolation, role-based access controls, single sign-on support, and a practice of keeping plaintext personal information out of our logs. We maintain a SOC 2 Type II program that is audited annually. Your account is also protected by your authentication credentials, and we urge you to keep those credentials confidential and to sign out after each session. No method of transmission or storage is completely secure, and while we work hard to protect your information, we cannot guarantee its absolute security. By using the Service, you acknowledge that you understand and accept these risks. ## VIII. YOUR PRIVACY RIGHTS You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication, you can opt out by following the unsubscribe instructions in the message or by updating your preferences in the Settings section of the Service. Even if you opt out of marketing, we may continue to send you administrative messages, such as updates to this Privacy Policy or notices about your account. ### 1. Rights under GDPR and UK data protection law If you are located in the European Economic Area, the United Kingdom, or Switzerland, you have the right, subject to certain conditions and exceptions, to: access the Personal Information we hold about you; request correction of inaccurate information; request erasure of your information; restrict or object to our processing; request a portable copy of information you provided to us; and withdraw consent where our processing is based on consent. Where your organization is the controller of the data at issue, we will refer your request to that organization and support it in responding. You also have the right to lodge a complaint with your local supervisory authority. ### 2. Rights under California law If you are a California resident, the California Consumer Privacy Act, as amended, gives you the right to: know the categories and specific pieces of Personal Information we have collected about you and how we use and disclose it; request deletion of your Personal Information; request correction of inaccurate Personal Information; opt out of the sale or sharing of your Personal Information; and limit the use and disclosure of sensitive Personal Information. We will not discriminate against you for exercising any of these rights. As noted in Section III, we do not sell Personal Information for money. Where we use analytics and marketing technologies that may qualify as sharing under California law, you can opt out using the "Do Not Sell or Share My Personal Information" control described in Section IX. ### 3. How to exercise your rights To exercise any of these rights, please contact us at privacy@tesora.ai. We will verify your request, respond within the time required by applicable law, and may ask for information reasonably necessary to confirm your identity. You may use an authorized agent to submit a request on your behalf where permitted by law. ## IX. COOKIES AND YOUR CHOICES On our public marketing Site, we present a consent banner that adapts to your region. If you are in the European Economic Area, the United Kingdom, or a similar jurisdiction, non-essential analytics and marketing cookies load only after you accept them, and you can decline without losing access to the Site. If you are in California or a similar jurisdiction, we provide a "Do Not Sell or Share My Personal Information" option that opts you out of analytics and marketing technologies that may share information with third parties. A persistent "Your Privacy Choices" link in the footer lets you reopen these controls and change your choice at any time. You can also manage cookies through your browser settings, though disabling certain cookies may affect how the Site functions. These controls govern the public marketing Site. Inside the authenticated Service, the cookies we and our subprocessors set are those necessary to operate it, for example to keep you signed in and, as described in Section I.3, to keep a support-chat conversation open across page loads. Because they are necessary rather than optional, they are not covered by the consent banner. If you would rather not use the in-product chat, you can reach our support and privacy teams by email instead. ## X. LINKS TO OTHER WEBSITES As part of the Service, we may provide links to or integrations with other websites and applications. We are not responsible for the privacy practices of those third parties or the content they provide. This Privacy Policy applies solely to information collected by us through the Site and the Service. When you access a third-party website or application, that party's privacy policy governs your use of it. We encourage you to read the privacy statements of any third-party services before using them. ## XI. CHILDREN'S PRIVACY The Site and the Service are intended for business use by adults and are not directed to anyone under the age of 18. We do not knowingly collect Personal Information from anyone under 18. If we learn that we have collected Personal Information from someone under 18, we will delete that information as soon as reasonably possible. If you believe we have collected such information, please contact us at privacy@tesora.ai. ## XII. CHANGES TO THIS PRIVACY POLICY We reserve the right to change this Privacy Policy at any time. We will notify you of material changes by sending a notice to the primary email address associated with your account or by placing a prominent notice on the Site. Material changes take effect 30 days following such notice. Non-material changes or clarifications take effect immediately. Please check the Site and this page periodically for updates. ## XIII. CONTACT US If you have any questions about this Privacy Policy or our privacy practices, please contact us at privacy@tesora.ai, or by mail at: Tesora AI Inc. 1111B S Governors Ave, STE 28328 Dover, Delaware 19904 --- url: https://tesora.ai/rate-filing-software title: Rate filing software that anticipates the objection section: Product last_modified: 2026-08-02T01:28:40.802Z --- # Rate filing software that anticipates the objection # Rate filing software that anticipates the objection A rate filing is only as strong as its documentation. Tesora prepares filings with every exhibit cited to its source, auto-drafts the supporting memos, and flags the methodology issues a regulator is likely to question, before you submit. ## From rate plan to filing - Prepare SERFF-ready filings with cited exhibits. - Auto-draft actuarial memoranda aligned to ASOP 41. - Predict likely objections and prepare responses in advance. - Keep a full audit trail of who changed what and when. ## Responding to objections When a state returns an objection letter, every response has to be defensible and tied to a schedule item. Tesora keeps the provenance of every factor so a response can point straight back to the source, and the audit log shows the full history of the filing. --- url: https://tesora.ai/rating title: Rating Agent: Base rates, factors, ILFs, callable pricing API section: Product last_modified: 2026-08-10T16:05:51.287Z --- # Rating Agent: Base rates, factors, ILFs, callable pricing API # Rating Agent: Base rates, factors, ILFs, callable pricing API # Turn PDF or Excel base rates, factors and ILFs into a callable pricing API and GUI. Builds and deploys Excel-native raters with trauma studies and SOX-ready audit trails. Most rate plans live as a 60-page filing and a spreadsheet only one person on the team can run. Rating turns that into a versioned, callable pricing API in days, not quarters. ## From quarters to minutes, with the rate plan intact. ## Author, reviewer, approver are three separate identities. Three environments, dev (actuaries build), test (QA validates), prod (underwriters use), with actuaries unable to push directly to prod and a full audit trail of who promoted what and when. A trauma study gates every deploy. ## See Rating on your rate plan. Bring a SERFF filing or an Excel rater. We'll reconstruct it as a callable pricing API in front of you. --- url: https://tesora.ai/risk-modeling-software title: Insurance risk modeling software for pure premiums section: Product last_modified: 2026-08-02T01:28:40.802Z --- # Insurance risk modeling software for pure premiums # Insurance risk modeling software for pure premiums Risk modeling is where pricing starts: turning loss and exposure data into a defensible pure premium. Tesora helps actuaries build frequency-severity and GLM/GAM models that stay explainable, versioned, and traceable to the underlying data. ## Build models you can defend - Prepare data, engineer variables, and fit GLMs/GAMs with the actuary in control. - Keep models fully explainable for regulators and internal governance. - Version every model and document the process automatically. - Trace each factor back to the data that produced it. ## Frequency-severity, done right Sound pricing splits frequency (Poisson, with a log-exposure offset) from severity (Gamma), then combines them into a pure premium. Tesora follows actuarial practice rather than generic ML shortcuts, and validates with Actual/Expected checks by factor band, not just global fit. --- url: https://tesora.ai/security title: Security: SOC 2 Type II, SOX-ready, ASOP-aware section: Company last_modified: 2026-08-10T16:05:51.287Z --- # Security: SOC 2 Type II, SOX-ready, ASOP-aware # Security: SOC 2 Type II, SOX-ready, ASOP-aware # Built for one of the most heavily regulated industries Tesora was built by actuaries who understand the regulatory frameworks, and serves people who operate under those frameworks every day. **AICPA SOC 2 Type II badge** ## SOC 2 Type II audited, SOX-aligned, actuarial standards-aware Tesora is audited annually against the AICPA SOC 2 trust services criteria for security, availability, processing integrity, and confidentiality. ### Verify it yourself in the Trust Center Live SOC 2 report, subprocessor list, and current control status on our Secureframe Trust Center. Procurement teams can request access in one click. ## Your data stays yours How customer data is stored, isolated, and used. For the formal collection and disclosure language, see our Privacy Policy . ## On-prem or hosted in an isolated environment ## Questions, documents, or a vulnerability to report? Security questionnaires, document requests, and responsible disclosure all reach the team directly. --- url: https://tesora.ai/students title: Students & Education: Production-grade actuarial tools section: Customers last_modified: 2026-08-10T16:05:51.287Z --- # Students & Education: Production-grade actuarial tools # Students & Education: Production-grade actuarial tools # Students. ## The best decade to enter the profession. A credentialed P&C actuary today is in short supply, in high demand, and increasingly underwater on grunt work. The chief actuaries we work with are open about the bottleneck: there is more work than there are people who can sign off on it. That is the gap students are walking into. ## Less grunt work, without lowering the audit standard. Tesora takes the steps where the hours used to leak, the ingest and the schedule build-up and the citation and the audit, and leaves the chief actuary signing and you owning the judgment. The credential stays the gold standard precisely because the audit trail behind it does, and the hours you get back go to the calls that move the rate plan rather than to reformatting loss runs at midnight. ## Apply for free student access. You get a sandbox and public SERFF data. What would you build first? ### Submitted Your email client should open with the details filled in. Send it and we will reply within a week. If you don't hear back, write directly to sales@tesora.ai. --- url: https://tesora.ai/terms title: Terms of Use section: Legal last_modified: 2026-08-08T19:01:58.775Z --- # Terms of Use # Terms of Use **Website Terms of Use** The Tesora actuarial platform is currently in closed beta: access to it is limited to invited users, and its features and functionality may change without prior notice. The Tesora Compute API and the Tesora Compute add-in for Excel are generally available and require no invitation. Anyone may use them, with or without an account, on the published terms. The website located at (the "Site") is a copyrighted work belonging to Tesora AI Inc. ("Company", "us", "our", and "we"). Certain features of the Site may be subject to additional guidelines, terms, or rules, which will be posted on the Site in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms. These Terms of Use (these "Terms") set forth the legally binding terms and conditions that govern your use of the Site. By accessing or using the Site, you are accepting these Terms (on behalf of yourself or the entity that you represent), and you represent and warrant that you have the right, authority, and capacity to enter into these Terms (on behalf of yourself or the entity that you represent). you may not access or use the Site or accept the Terms if you are not at least 18 years old. If you do not agree with all of the provisions of these Terms, do not access and/or use the Site. PLEASE BE AWARE THAT SECTION 10.2 CONTAINS PROVISIONS GOVERNING HOW TO RESOLVE DISPUTES BETWEEN YOU AND COMPANY. AMONG OTHER THINGS, SECTION 10.2 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION. SECTION 10.2 ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ SECTION 10.2 CAREFULLY. UNLESS YOU OPT OUT OF THE AGREEMENT TO ARBITRATE WITHIN 30 DAYS: (1) YOU WILL ONLY BE PERMITTED TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION; AND (2) YOU ARE WAIVING YOUR RIGHT TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL. ## 1. Accounts ### 1.1 Account Creation In order to use certain features of the Site, you must register for an account ("Account") and provide certain information about yourself as prompted by the account registration form. You represent and warrant that: (a) all required registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions on the Site. Company may suspend or terminate your Account in accordance with Section 8. ### 1.2 Account Responsibilities You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify Company of any unauthorized use, or suspected unauthorized use of your Account or any other breach of security. Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements. ## 2. Access to the Site ### 2.1 License Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site and the Services for your own internal business purposes, or the internal business purposes of the organization you are authorized to represent, in accordance with these Terms and any separate agreement between your organization and Company. ### 2.2 Certain Restrictions The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site, whether in whole or in part, or any content displayed on the Site; (b) you shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site; (c) you shall not access the Site in order to build a similar or competitive website, product, or service; and (d) except as expressly stated herein, no part of the Site may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition to functionality of the Site shall be subject to these Terms. All copyright and other proprietary notices on the Site (or on any content displayed on the Site) must be retained on all copies thereof. ### 2.3 Modification Company reserves the right, at any time, to modify, suspend, or discontinue the Site (in whole or in part) with or without notice to you. You agree that Company will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Site or any part thereof. ### 2.4 No Support or Maintenance You acknowledge and agree that Company will have no obligation to provide you with any support or maintenance in connection with the Site. ### 2.5 Ownership Excluding any User Content that you may provide (defined below), you acknowledge that all the intellectual property rights, including copyrights, patents, trade marks, and trade secrets, in the Site and its content are owned by Company or Company's suppliers. Neither these Terms (nor your access to the Site) transfers to you or any third party any rights, title or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms. ### 2.6 Feedback If you provide Company with any feedback or suggestions regarding the Site ("Feedback"), you hereby assign to Company all rights in such Feedback and agree that Company shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. Company will treat any Feedback you provide to Company as non-confidential and non-proprietary. You agree that you will not submit to Company any information or ideas that you consider to be confidential or proprietary. ## 3. User Content ### 3.1 User Content "User Content" means any and all information and content that a user submits to, or uses with, the Site (e.g., content in the user's profile or postings). You are solely responsible for your User Content. You assume all risks associated with use of your User Content, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure of your User Content that personally identifies you or any third party. You hereby represent and warrant that your User Content does not violate our Acceptable Use Policy (defined in Section 3.3). You may not represent or imply to others that your User Content is in any way provided, sponsored or endorsed by Company. Since you alone are responsible for your User Content, you may expose yourself to liability if, for example, your User Content violates the Acceptable Use Policy. Company is not obligated to backup any User Content, and your User Content may be deleted at any time without prior notice. You are solely responsible for creating and maintaining your own backup copies of your User Content if you desire. ### 3.2 License You hereby grant (and you represent and warrant that you have the right to grant) to Company an irrevocable, nonexclusive, royalty-free and fully paid, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content, and to grant sublicenses of the foregoing rights, solely for the purposes of including your User Content in the Site, and in all cases subject to the restrictions in Section 3.5. You hereby irrevocably waive (and agree to cause to be waived) any claims and assertions of moral rights or attribution with respect to your User Content. ### 3.3 Acceptable Use Policy The following terms constitute our "Acceptable Use Policy": You agree not to use the Site to collect, upload, transmit, display, or distribute any User Content (i) that violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right, (ii) that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual or is otherwise objectionable, (iii) that is harmful to minors in any way, or (iv) that is in violation of any law, regulation, or obligations or restrictions imposed by any third party. In addition, you agree not to: (i) upload, transmit, or distribute to or through the Site any computer viruses, worms, or any software intended to damage or alter a computer system or data; (ii) send through the Site unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (iii) use the Site to harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent; (iv) interfere with, disrupt, or create an undue burden on servers or networks connected to the Site, or violate the regulations, policies or procedures of such networks; (v) attempt to gain unauthorized access to the Site (or to other computer systems or networks connected to or used together with the Site), whether through password mining or any other means; (vi) harass or interfere with any other user's use and enjoyment of the Site; or (vii) use software or automated agents or scripts to produce multiple accounts on the Site, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data from) the Site (provided, however, that we conditionally grant to the operators of public search engines revocable permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials, subject to the parameters set forth in our robots.txt file). ### 3.4 Enforcement We reserve the right (but have no obligation) to review, refuse and/or remove any User Content in our sole discretion, and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms or otherwise create liability for us or any other person. Such action may include removing or modifying your User Content, terminating your Account in accordance with Section 8, and/or reporting you to law enforcement authorities. ### 3.5 AI Features and Output The Site and Services use artificial intelligence and machine learning to analyze the inputs you submit and to generate results, analyses, and other materials ("Output"). As between you and Company, and subject to Section 2.5 and the rights of any third party, you retain your rights in the User Content you submit, and Company does not claim ownership of the Output generated for you through your use of the Services. You are responsible for your use of the Output. You acknowledge that AI-generated Output is probabilistic, may be inaccurate or incomplete, and may not reflect the most current information. Output is provided to support, and not to replace, the judgment of qualified professionals, and does not constitute actuarial, legal, financial, accounting, or other professional advice. In particular, the Output is not a statement of actuarial opinion and is not a substitute for the analysis, professional judgment, or sign-off of a qualified actuary. Where you or your organization use the Output in connection with actuarial work product, rate filings, reserving, or other regulated deliverables, a credentialed actuary remains solely responsible for that work and for compliance with all applicable actuarial standards of practice, qualification standards, and codes of professional conduct. You will not represent the Output, in whole or in part, as an actuarial opinion or as the work of a qualified actuary. You are solely responsible for reviewing and validating Output before relying on it, and for any decisions you make based on it. Given the nature of machine learning, Output generated for you may not be unique, and the Services may generate the same or similar output for others. Notwithstanding the license granted in Section 3.2, Company will not use your User Content to train foundation models or other models that are shared across customers, and the license in Section 3.2 does not extend to such use. Company processes your User Content within an isolated environment as further described in our Privacy Policy. You agree that you will not: (i) submit User Content that you do not have the right to submit or that violates the Acceptable Use Policy; (ii) use the Services or Output to develop or train a competing artificial intelligence or machine learning product or service; (iii) attempt to reverse engineer or discover the underlying models, weights, or components of the Services; or (iv) use the Output in a manner that misrepresents it as human-generated where disclosure of its AI origin is required by law. ## 4. Indemnification You agree to indemnify and hold Company (and its officers, employees, and agents) harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Site, (b) your violation of these Terms, (c) your violation of applicable laws or regulations or (d) your User Content. Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Company. Company will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it. ## 5. Third-Party Links & Ads; Other Users ### 5.1 Third-Party Links & Ads The Site may contain links to third-party websites and services, and/or display advertisements for third parties (collectively, "Third-Party Links & Ads"). Such Third-Party Links & Ads are not under the control of Company, and Company is not responsible for any Third-Party Links & Ads. Company provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads. You use all Third-Party Links & Ads at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party's terms and policies apply, including the third party's privacy and data gathering practices. ### 5.2 Other Users Each Site user is solely responsible for any and all of its own User Content. Since we do not control User Content, you acknowledge and agree that we are not responsible for any User Content, whether provided by you or by others. We make no guarantees regarding the accuracy, currency, suitability, appropriateness, or quality of any User Content. Your interactions with other Site users are solely between you and such users. You agree that Company will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any Site user, we are under no obligation to become involved. ### 5.3 Release You hereby release and forever discharge Company (and our officers, employees, agents, successors, and assigns) from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature (including personal injuries, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Site (including any interactions with, or act or omission of, other Site users or any Third-Party Links & Ads). IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY." ## 6. Disclaimers THE SITE IS PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS, AND COMPANY (AND OUR SUPPLIERS) EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE (AND OUR SUPPLIERS) MAKE NO WARRANTY THAT THE SITE WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SITE, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO 90 DAYS FROM THE DATE OF FIRST USE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. ## 7. Limitation on Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY (OR OUR SUPPLIERS) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SITE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE SITE IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THESE TERMS (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF FIFTY US DOLLARS. THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. YOU AGREE THAT OUR SUPPLIERS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. ## 8. Term and Termination Subject to this Section, these Terms will remain in full force and effect while you use the Site. We may suspend or terminate your rights to use the Site (including your Account) at any time for any reason at our sole discretion, including for any use of the Site in violation of these Terms. Upon termination of your rights under these Terms, your Account and right to access and use the Site will terminate immediately. You understand that any termination of your Account may involve deletion of your User Content associated with your Account from our live databases. Company will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your Account or deletion of your User Content. Even after your rights under these Terms are terminated, the following provisions of these Terms will remain in effect: Sections 2.2 through 2.6, Section 3 and Sections 4 through 10. ## 9. Copyright Policy Company respects the intellectual property of others and asks that users of our Site do the same. In connection with our Site, we have adopted and implemented a policy respecting copyright law that provides for the removal of any infringing materials and for the termination, in appropriate circumstances, of users of our online Site who are repeat infringers of intellectual property rights, including copyrights. If you believe that one of our users is, through the use of our Site, unlawfully infringing the copyright(s) in a work, and wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to 17 U.S.C. § 512(c)) must be provided to our designated Copyright Agent: - your physical or electronic signature; - identification of the copyrighted work(s) that you claim to have been infringed; - identification of the material on our services that you claim is infringing and that you request us to remove; - sufficient information to permit us to locate such material; - your address, telephone number, and e-mail address; - a statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and - a statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner. Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney's fees incurred by us in connection with the written notification and allegation of copyright infringement. ## 10. General ### 10.1 Changes These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our Site. You are responsible for providing us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Continued use of our Site following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes. ### 10.2 Dispute Resolution Please read the following arbitration agreement in this Section (the "Arbitration Agreement") carefully. It requires you to arbitrate disputes with Company, its parent companies, subsidiaries, affiliates, successors and assigns and all of their respective officers, directors, employees, agents, and representatives (collectively, the "Company Parties") and limits the manner in which you can seek relief from the Company Parties. #### 10.2.1 Applicability of Arbitration Agreement You agree that any dispute between you and any of the Company Parties relating in any way to the Site, the services offered on the Site (the "Services") or these Terms will be resolved by binding arbitration, rather than in court, except that (1) you and the Company Parties may assert individualized claims in small claims court if the claims qualify, remain in such court and advance solely on an individual, non-class basis; and (2) you or the Company Parties may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). #### 10.2.2 Informal Dispute Resolution There might be instances when a Dispute arises between you and Company. If that occurs, Company is committed to working with you to reach a reasonable resolution. You and Company agree that good faith informal efforts to resolve Disputes can result in a prompt, low‐cost and mutually beneficial outcome. You and Company therefore agree that before either party commences arbitration against the other (or initiates an action in small claims court if a party so elects), we will personally meet and confer telephonically or via videoconference, in a good faith effort to resolve informally any Dispute covered by this Arbitration Agreement ("Informal Dispute Resolution Conference"). If you are represented by counsel, your counsel may participate in the conference, but you will also participate in the conference. The party initiating a Dispute must give notice to the other party in writing of its intent to initiate an Informal Dispute Resolution Conference ("Notice"), which shall occur within 45 days after the other party receives such Notice, unless an extension is mutually agreed upon by the parties. Notice to Company that you intend to initiate an Informal Dispute Resolution Conference should be sent by email to: support@tesora.ai, or by regular mail to 1111B S Governors Ave, STE 28328, Dover, Delaware 19904. The Notice must include: (1) your name, telephone number, mailing address, e‐mail address associated with your account (if you have one); (2) the name, telephone number, mailing address and e‐mail address of your counsel, if any; and (3) a description of your Dispute. #### 10.2.3 Arbitration Rules and Forum These Terms evidence a transaction involving interstate commerce; and notwithstanding any other provision herein with respect to the applicable substantive law, the Federal Arbitration Act, 9 U.S.C. § 1 et seq., will govern the interpretation and enforcement of this Arbitration Agreement and any arbitration proceedings. If the Informal Dispute Resolution Process described above does not resolve satisfactorily within 60 days after receipt of your Notice, you and Company agree that either party shall have the right to finally resolve the Dispute through binding arbitration. #### 10.2.4 Authority of Arbitrator The arbitrator shall have exclusive authority to resolve all disputes subject to arbitration hereunder including, without limitation, any dispute related to the interpretation, applicability, enforceability or formation of this Arbitration Agreement or any portion of the Arbitration Agreement. #### 10.2.5 Waiver of Jury Trial EXCEPT AS SPECIFIED in section 10.2(a) YOU AND THE COMPANY PARTIES HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. #### 10.2.6 Waiver of Class or Other Non-Individualized Relief YOU AND COMPANY AGREE THAT, EXCEPT AS SPECIFIED IN SUBSECTION 10.2(h) EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS. ### 10.3 Export The Site may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of the United States export laws or regulations. ### 10.4 Electronic Communications The communications between you and Company use electronic means, whether you use the Site or send us emails, or whether Company posts notices on the Site or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy writing. ### 10.5 Relationship to Other Agreements If you or your organization has entered into a separate written agreement with Company governing access to the Site or the Services (such as a master subscription, enterprise, or data processing agreement), that agreement governs to the extent it addresses the same subject matter as these Terms, and in the event of any conflict between these Terms and that agreement, that agreement controls. These Terms otherwise govern your use of the Site. ## Contact Information Federico Reyes Address: 1111B S Governors Ave STE 28328 Dover, Delaware 19904 Telephone: 9146710700 Email: support@tesora.ai