# Tesora — full content > Tesora builds Frontier AI for actuaries: agents for insight (loss modeling, trends, on-leveling, market research) and rating (base rates, factors, ILFs, callable pricing API), backed by a fully reproducible audit trail. Generated at: 2026-06-10T04:53:45.215Z --- url: https://tesora.ai/ title: Tesora — Frontier AI for Actuaries section: Product last_modified: 2026-06-10T04:45:27.112Z --- # Tesora — Frontier AI for Actuaries # Tesora — Frontier AI for Actuaries # Skip the busywork. Get back to actuarial science The Tesora Workbench helps actuaries work faster with a fully reproducible audit trail. Platform-agnostic, it supplements the way your team already works. **Insight** **Rating** **Foundation Capital** **Y Combinator** --- url: https://tesora.ai/actuary title: For Actuaries — How Tesora supplements your workflow section: Product last_modified: 2026-06-10T04:45:27.107Z --- # 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: 2026-06-10T04:45:27.111Z --- # Admitted Carriers — Filing-driven rating with SOX-grade audit # Admitted Carriers — Filing-driven rating with SOX-grade audit # Competitive analysis once thought unthinkable Now done in 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/blog title: Blog — Long-form writing from the Tesora team section: Blog last_modified: 2026-06-10T04:45:27.109Z --- # Blog — Long-form writing from the Tesora team # Blog — Long-form writing from the Tesora team # Insights for Actuaries Research, analysis, and perspectives on the transformation of actuarial work—from document processing to AI-powered underwriting. ## All Articles ## Ready to transform your actuarial workflow? See how Tesora can turn hours of data wrangling into minutes of analysis. --- url: https://tesora.ai/blog/ai-arms-race title: The Actuarial AI Arms Race section: Blog last_modified: 2026-06-10T04:45:27.108Z --- # The Actuarial AI Arms Race # The Actuarial AI Arms Race **Tesora** # The AI Arms Race: How Top Carriers Are Transforming Underwriting Travelers has 20,000+ AI users. AIG is targeting 5x underwriter productivity. PwC surveyed 200+ insurers on actuarial modernization. Here’s what’s happening—and what it means for you. Something fundamental is shifting in insurance. The largest carriers aren’t just experimenting with AI—they’re deploying it at scale, across their entire operations. And the results are forcing a question every actuarial practice needs to answer: can you afford to wait? ## Travelers: 20,000 AI Users and Counting In January 2026, Travelers announced one of the largest enterprise AI deployments in financial services: Claude 4 rolled out across their entire global workforce of 30,000+ employees. More than 20,000 professionals now use AI tools regularly. The scale is staggering: Travelers handles approximately 1.5 million claims annually with payments exceeding $23 billion. With more than half of claims now eligible for straight-through processing—and customers adopting it about two-thirds of the time—the operational transformation is real, not theoretical. ## AIG: Turning One Underwriter Into Five At AIG’s Investor Day in March 2025, CEO Peter Zaffino unveiled “AIG Underwriter Assistance”—an agentic AI system that’s fundamentally changing how their underwriters work. The results for North America private and non-profit financial lines: Zaffino’s target: $4 billion in new E&S business by 2030, up from $1 billion in 2024. That’s not incremental improvement—it’s a fundamental shift in what’s possible with the same underwriting team. ## The Industry-Wide Shift It’s not just Travelers and AIG. PwC’s 2025 Global Actuarial Modernization Survey—their largest yet, covering 200+ insurers across 30+ countries—reveals an industry in transformation. The top priorities for actuarial leaders: - Data quality: The foundation for any AI/automation initiative - Talent acquisition and development: Finding and retaining actuaries - Process efficiency: Eliminating manual work - Advanced analytics: Moving beyond traditional methods The survey concludes that actuarial transformation is “essential for insurers to achieve strategic goals both in the near and long term.” This isn’t optional modernization—it’s existential. ## The Pattern: Amplification, Not Replacement Notice what these deployments have in common: they’re not replacing underwriters or actuaries. They’re removing the toil that prevents experts from exercising their judgment more often. At Travelers, claims adjusters aren’t gone—they’re handling more claims with better information. At AIG, underwriters aren’t redundant—they’re reviewing five times as many submissions with data already extracted and prioritized. The Deloitte perspective on actuarial automation captures it well: AI frees actuaries from routine operational work—coding claims, standardizing unstructured data—enabling them to focus on higher-value strategic activities including modeling, risk identification, and enterprise decision-making. ## What This Means for Actuarial Practices The carriers are moving. The question is whether actuarial service providers will move with them—or be left behind. Consider the dynamics: - Client expectations are shifting. When AIG can process submissions in hours instead of weeks, captive managers and reinsurers will expect similar turnaround from their actuarial consultants. - Talent is scarce. The PwC survey flags talent acquisition as a top priority. Practices that can do more with their existing team have an advantage. - Data quality matters more. AI amplifies good data and exposes bad data. Practices need robust intake and validation processes. The carriers have made their bets. Travelers is spending $1.5B annually on technology. AIG built partnerships with Anthropic and Palantir. These aren’t experiments—they’re strategic commitments. The practices that thrive in this environment will be those that can match their clients’ transformation with their own. The rest will find themselves competing on price for work that’s increasingly commoditized. ### Ready to Transform Your Practice? See how Tesora can bring carrier-grade AI capabilities to your actuarial workflow. --- url: https://tesora.ai/blog/aig-ai-underwriting title: AIG and AI Underwriting section: Blog last_modified: 2026-06-10T04:45:27.108Z --- # AIG and AI Underwriting # AIG and AI Underwriting **Tesora** # How AIG is Turning One Underwriter Into Five with AI A look at AIG’s agentic AI ecosystem and what it means for the future of actuarial work in insurance underwriting. At AIG’s Investor Day in March 2025, CEO Peter Zaffino unveiled something remarkable: an agentic AI system that has fundamentally transformed how their underwriters work. The system, called AIG Underwriter Assistance, doesn’t replace underwriters—it amplifies them. As Palantir CEO Alex Karp put it during the event: ## The Architecture: RAG + Human-in-the-Loop AIG’s system is built on a Retrieval Augmented Generation (RAG) framework that addresses the fundamental challenge of LLM hallucinations. Here’s how their CDO Claude Wade described the three components: The critical design principle? Human in the loop. Every extracted data point links back to its source document. Underwriters can click any number to see exactly where it came from—the specific page, cell, or section. This isn’t just about accuracy; it’s about maintaining the professional judgment that makes underwriting valuable. ## The Results: From Weeks to Hours For North America private and non-profit financial lines, AIG reports: ## What This Means for Actuaries AIG’s transformation reveals a pattern we’re seeing across the industry: AI isn’t replacing expert judgment—it’s removing the toil that prevents experts from exercising that judgment more often. Consider what underwriters at AIG now experience: - Every submission is reviewed. Previously, capacity constraints meant leaving “profitable business on the table.” Now, 100% of submissions are ingested, classified, and prioritized. - Judgment starts immediately. Instead of spending weeks gathering data, underwriters arrive to find submissions already processed with 125 key data elements extracted and cross-referenced. - Prioritization is intelligent. ML models estimate propensity to bind, so underwriters focus on submissions with the best risk-adjusted returns. The same pattern applies to actuarial work. Loss runs, prior analyses, applications, SOVs—the document deluge that precedes any serious actuarial analysis. What if that intake happened automatically? What if every data point linked back to its source? What if your time went to analysis and judgment instead of data wrangling? ## The Technology Stack AIG’s system is powered by partnerships with Anthropic (Claude 3.5) and Palantir (Foundry + AIP). The architecture is deliberately modular: - Document ingestion: LLM-powered classification handles PDFs, Excel, CSV, and Word formats. OCR for scanned documents. 97% classification accuracy. - Data extraction: Context-specific models extract structured data points with full source traceability. - Augmentation: Integration with 30+ third-party data sources plus internal AIG data (policy history, claims data). - Prioritization: ML models rank submissions by propensity to bind. The modularity matters. As Anthropic CEO Dario Amodei noted, AIG started with Claude 2.1 and has evolved to 3.5—the architecture allows swapping in better models as they emerge. This is infrastructure for the long term, not a point solution. ## The Tesora Perspective At Tesora, we’re building the same capabilities for actuarial work. Our Actuarial Workbench ingests entire submission folders—loss runs, prior analyses, narratives, applications, SOVs—and extracts every data point with full source traceability. The parallels to AIG’s approach are intentional: - Multi-format batch intake. Process entire submission folders in one operation. Every document classified, every data point extracted. - Clickable source traceability. Every extracted number links back to the exact page, row, and cell it came from. - Human in the loop. AI accelerates the work; actuaries retain full control over methodology and judgment. The insurance industry is transforming. The question isn’t whether AI will change actuarial work—it’s whether you’ll be amplified by it or replaced by those who are. ### Ready to Transform Your Actuarial Workflow? See how Tesora can turn hours of data wrangling into minutes of analysis. --- url: https://tesora.ai/blog/captive-growth title: The Captive Insurance Growth Story section: Blog last_modified: 2026-06-10T04:45:27.108Z --- # The Captive Insurance Growth Story # The Captive Insurance Growth Story **Tesora** # The Captive Insurance Boom: Why $62 Billion in Premiums Is Just the Beginning Over 10,000 captives now write $62 billion annually—with a 17-point combined ratio advantage over commercial peers. Here’s what’s driving the surge and what it means for actuarial work. The captive insurance market has entered a new phase of growth. Over 10,000 risk-bearing entities now operate worldwide, writing approximately $62 billion in direct premiums annually. And if current trends hold, this is just the beginning. ## The Performance Advantage The fundamental case for captives has never been stronger. According to the 2025 Captive Market Analysis from Captives Insure, captives maintain a five-year average combined ratio of 83%—a 17-point advantage over the 100% average of commercial casualty peers. That 17-point spread isn’t luck—it’s the structural advantage of risk retention combined with sophisticated actuarial management. Captive owners retain underwriting profit, control their claims, and avoid the frictional costs embedded in commercial insurance pricing. ## The Growth Numbers New captive formations have significantly outpaced closures for four consecutive years. The ratio is striking: ## What’s Driving the Surge According to WTW’s Insurance Marketplace Realities 2026 report, several factors are accelerating captive formation: - Hard commercial market: Particularly for liability and excess liability coverage, commercial rates have pushed more organizations to consider self-insurance alternatives. - Medical stop-loss demand: Employee benefits programs are increasingly using captive structures. - Parametric solutions: Growing interest in parametric coverage for property and supply chain risks—structures that captives can write efficiently. - Emerging risks: Cyber, supply chain, and difference-in-conditions coverage that may be unavailable or overpriced in traditional markets. ## The Democratization of Captives Perhaps the most significant development is structural: cell and series structures have democratized captive access for mid-market companies that were previously limited to Fortune 500 organizations. Protected cell companies, series LLCs, and sponsored captive arrangements allow smaller organizations to access captive benefits without the capital requirements and administrative overhead of a standalone captive. This has opened the market to a vast new segment of potential captive owners. ## What This Means for Actuaries The captive boom creates both opportunity and pressure for actuarial practices: ## The Capacity Question With $62 billion in premiums and 10,000+ entities, the captive market generates enormous demand for actuarial services. But actuarial talent remains scarce. The firms that can scale their capacity—through automation, AI, or both—will capture disproportionate share of this growing market. The math is straightforward: if feasibility studies take 6 weeks of actuarial time, a mid-sized practice can only complete a handful per quarter. Cut that timeline to 6 days, and capacity multiplies. The captive boom isn’t slowing down. The question is whether actuarial practices will scale to meet demand—or leave profitable work on the table. ### Ready to Scale Your Captive Practice? See how Tesora can compress feasibility study timelines from weeks to days. --- url: https://tesora.ai/blog/document-costs title: The Real Cost of Actuarial Documentation section: Blog last_modified: 2026-06-10T04:45:27.109Z --- # The Real Cost of Actuarial Documentation # The Real Cost of Actuarial Documentation **Tesora** # The $28,500-Per-Employee Problem: What Manual Document Processing Actually Costs Industry research reveals the true cost of manual data entry in actuarial work—and why automation delivers 280-450% ROI within 18-24 months. Every actuarial firm knows that manual document processing is expensive. But most dramatically underestimate how expensive. Recent industry research puts hard numbers on what many have only felt intuitively: the true cost of manual data entry is staggering, and it’s bleeding margins across the industry. ## The Direct Costs According to research from Parseur, manual data entry costs U.S. companies an average of $28,500 per employee annually. That’s not a typo. For a mid-sized actuarial practice with 20 professionals, that’s over half a million dollars per year in direct costs—before we even consider the hidden costs. Those hidden costs include error correction, quality assurance, rework, missed deadlines, and the opportunity cost of senior actuaries doing data entry instead of analysis. ## Insurance-Specific Numbers The insurance industry faces particularly acute challenges. Research from bem.ai reveals the time sink that actuaries and underwriters know too well: ## The Scale of the Problem Insurance companies process approximately 3 billion documents annually, with 85% containing unstructured data. Loss runs, applications, SOVs, prior analyses, medical records, financial statements—each requires manual extraction before any actuarial analysis can begin. For organizations with 100+ employees, the total annual cost of manual document processing reaches $430,000–$850,000 when accounting for all hidden costs. That’s not technology budget—that’s pure waste. ## The Error Tax Beyond time, there’s accuracy. Manual processing generates 1-3% error rates in general business contexts, but insurance-specific processes show 12-18% error rates. Each error costs $25–$150 to remediate, and in actuarial work, errors compound—a wrong number in a loss triangle propagates through every subsequent calculation. Error correction alone costs approximately $28,400 annually per employee. That’s nearly as much as the direct data entry cost itself. ## The ROI of Automation The research also quantifies the upside. Document processing automation delivers: - 280-450% ROI within 18-24 months - 65-80% reduction in total cost of ownership - 80-90% reduction in manual data entry errors - 20-25% increase in employee productivity For actuarial firms, these numbers translate directly to capacity. An actuary spending 3 hours extracting data from a submission folder could instead be running scenarios, reviewing methodology, or engaging with clients. The math is simple: automation doesn’t replace actuaries—it lets them do actuarial work. ## What This Means for Your Practice The numbers are clear: manual document processing is the largest hidden tax on actuarial productivity. Every hour spent copying numbers from PDFs to Excel is an hour not spent on analysis, judgment, and client value. The question isn’t whether automation pays for itself—the research shows it does, dramatically. The question is how long you can afford to wait while your margins erode and competitors modernize. ### Stop Paying the Manual Processing Tax See how Tesora can extract every data point from your submission folders with full source traceability. --- url: https://tesora.ai/careers title: Careers — Engineering, actuarial, and GTM at Tesora section: Company last_modified: 2026-06-10T04:45:27.112Z --- # 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. 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: 2026-06-10T04:45:27.112Z --- # Customers — Admitted carriers, E&S, and education # Customers — Admitted carriers, E&S, and education **Specialty · E&S** **Non-Admitted** **Admitted · Market intelligence** **Admitted** --- url: https://tesora.ai/governance title: Governance — Reproducible audit trails for actuarial work section: Product last_modified: 2026-06-10T04:45:27.110Z --- # 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/insight title: Insight Agent — Loss modeling, trends, on-leveling, market research section: Product last_modified: 2026-06-10T04:45:27.112Z --- # 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: 2026-06-10T04:45:27.110Z --- # 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/lifecycle title: Actuarial Workbench — End-to-end actuarial lifecycle section: Product last_modified: 2026-06-10T04:45:27.106Z --- # Actuarial Workbench — End-to-end actuarial lifecycle # Actuarial Workbench — End-to-end actuarial lifecycle **Data Normalization & 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/media title: Media — Notes, announcements, and prior research section: Company last_modified: 2026-06-10T04:45:27.112Z --- # Media — Notes, announcements, and prior research # Media — Notes, announcements, and prior research # News Press releases and milestones. For media inquiries, email founders@tesora.ai . --- url: https://tesora.ai/non-admitted title: Non-Admitted (E&S) — Bind-ready pricing under E&S speed section: Customers last_modified: 2026-06-10T04:45:27.112Z --- # 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: 2026-06-10T04:45:27.113Z --- # Privacy Policy # Privacy Policy **TESORA AI PRIVACY POLICY** Tesora AI (the "Company") is committed to maintaining robust privacy protections for its users. Our Privacy Policy ("Privacy Policy") is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when using our Service. 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HOW WE PROTECT INFORMATION We implement security measures designed to protect your information from unauthorized access. Your account is protected by your account password and we urge you to take steps to keep your personal information safe by not disclosing your password and by logging out of your account after each use. We apply additional security measures to protect your uploaded documents and external account connections, including encryption at rest and in transit, secure credential storage, and isolated data processing environments. We further protect your information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks. ## IV. YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail. You can also indicate that you do not wish to receive marketing communications from us in the Settings section of the Site. Please note that notwithstanding the promotional preferences you indicate by either unsubscribing or opting out in the Settings section of the Site, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy. ## V. LINKS TO OTHER WEBSITES As part of the Service, we may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Site and the Service. Therefore, this Privacy Policy does not apply to your use of a third party website accessed by selecting a link on our Site or via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use them. ## VI. CHANGES TO OUR PRIVACY POLICY The Company reserves the right to change this policy and our Terms of Service at any time. We will notify you of significant changes to our Privacy Policy by sending a notice to the primary email address specified in your account or by placing a prominent notice on our site. Significant changes will go into effect 30 days following such notification. Non-material changes or clarifications will take effect immediately. You should periodically check the Site and this privacy page for updates. ## VII. CONTACT US If you have any questions regarding this Privacy Policy or the practices of this Site, please contact us by sending an email to federico@tesora.ai. --- url: https://tesora.ai/rating title: Rating Agent — Base rates, factors, ILFs, callable pricing API section: Product last_modified: 2026-06-10T04:45:27.113Z --- # 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). Actuaries cannot push directly to prod. Full audit trail of who promoted what and when. Trauma studies gate 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/security title: Security — SOC 2 Type II, SOX-ready, ASOP-aware section: Company last_modified: 2026-06-10T04:45:27.113Z --- # 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. ### 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. 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 Most carriers deploy Tesora in a hosted environment with full encryption and per-tenant isolation. For carriers with internal-only model policies, Tesora supports on-prem deployment with model inference in the carrier's own VPC. Same audit trail, same control plane, same agents. --- url: https://tesora.ai/students title: Students & Education — Production-grade actuarial tools section: Customers last_modified: 2026-06-10T04:45:27.113Z --- # 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. ## Lower grunt work. Hold the audit standard. Tesora takes the steps where the work used to leak. Ingest, schedule build-up, citation, audit. The chief actuary still signs. You still own the judgment. The credential stays gold-standard because the audit trail is gold-standard. You spend the saved hours on the calls that move the rate plan, not on reformatting loss runs at midnight. ## Apply for free student access. Sandbox + public SERFF data. What's the first thing you build? ### Submitted Thanks. Philo 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: 2026-06-10T04:45:27.113Z --- # Terms of Use # Terms of Use **Website Terms of Use** This service is currently in closed beta. Access is limited to invited users only, and features, functionality, and these terms may change without prior notice. 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 solely for your own personal, noncommercial use. ### 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. 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. ## 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: federico@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. ## Contact Information Federico Reyes Address: 1111B S Governors Ave STE 28328 Dover, Delaware 19904 Telephone: 9146710700 Email: federico@tesora.ai