Acceptable Use Policy

Last updated: February 19, 2026

This Acceptable Use Policy (“AUP”) governs the use of the Deep Thought platform and related services (the “Service”) provided by 42 Consulting LLC(“Company,” “we,” “us,” or “our”). This AUP is incorporated into and forms part of the Terms of Service. Capitalized terms not defined herein have the meanings assigned in the Terms of Service.

All Customers and Authorized Users must comply with this AUP. Violations may result in suspension or termination of access to the Service.

The Deep Thought platform is owned by Deep Thought Technologies Inc., a Delaware corporation (“Licensor”), and licensed to Company. All intellectual property rights in and to the Platform are owned exclusively by Licensor. Company is the contracting party to Customer under the Terms of Service into which this AUP is incorporated.

1. General Principles

The Service is an enterprise AI platform designed to assist insurance professionals with operational tasks. Customers must use the Service responsibly, ethically, and in compliance with all applicable laws and regulations. The Service must be used with appropriate human oversight, particularly when AI Output may affect policyholders, claimants, or other third parties.

2. Prohibited Uses

2.1 Illegal Activities

You may not use the Service to:

  • Violate any applicable federal, state, local, or international law or regulation;
  • Engage in, facilitate, or promote fraud, money laundering, or other financial crimes;
  • Process, store, or transmit data in violation of data protection or privacy laws;
  • Infringe the intellectual property rights, privacy rights, or other rights of any third party;
  • Engage in or facilitate insurance fraud, including but not limited to staging claims, fabricating losses, inflating claim amounts, or misrepresenting material facts;
  • Circumvent or violate insurance regulations, including rate and form filing requirements, market conduct standards, or licensing requirements.

2.2 Harmful Content

You may not use the Service to generate, store, or transmit:

  • Content that is defamatory, libelous, threatening, harassing, or abusive;
  • Content that promotes discrimination, hatred, or violence against any individual or group;
  • Sexually explicit or exploitative content;
  • Content that exploits minors in any way;
  • Malicious code, malware, viruses, or other harmful software;
  • Deliberately misleading or deceptive content intended to defraud or deceive third parties.

2.3 AI-Specific Prohibitions

You may not use the AI capabilities of the Service to:

  • Autonomous Decision-Making Without Human Review: Configure Automations or Skills that make final decisions affecting policyholders, claimants, or other third parties without human review and approval, including but not limited to policy issuance, claims denial, coverage determination, policy cancellation, or non-renewal decisions;
  • Discriminatory Underwriting: Use AI Output to make underwriting decisions that discriminate on the basis of race, color, religion, sex, national origin, age, disability, genetic information, marital status, sexual orientation, gender identity, or any other characteristic protected by applicable law;
  • Impersonation: Generate content that falsely represents AI Output as having been created by a specific individual, or impersonate any person or entity;
  • Deceptive Practices: Present AI Output to policyholders, claimants, regulators, or other parties as authoritative professional analysis without appropriate disclosure that AI tools were used in the process;
  • Prompt Injection:Attempt to manipulate, override, or circumvent the AI models’ safety mechanisms, system instructions, or Company-configured guardrails through prompt engineering or injection techniques;
  • Data Extraction: Attempt to extract training data, model weights, or proprietary information from the AI models through adversarial prompting or other techniques;
  • Competitive Intelligence: Use the Service to reverse-engineer, benchmark, or extract insights about the underlying AI models for the purpose of building competitive products or services;
  • Unauthorized Profiling: Use AI Output to create profiles of individuals for purposes not directly related to legitimate insurance operations, or in violation of applicable data protection laws.

2.4 Security and Infrastructure

You may not:

  • Attempt to gain unauthorized access to the Service, other users’ accounts, or the underlying infrastructure;
  • Circumvent, disable, or interfere with security features, permission controls, rate limits, or access restrictions;
  • Perform penetration testing, vulnerability scanning, or security assessments of the Service without Company’s prior written consent;
  • Use the Service to conduct denial-of-service attacks or other attacks against any system;
  • Introduce malicious code, scripts, or agents designed to disrupt the Service or extract data;
  • Scrape, crawl, or use automated means to access the Service except through approved APIs;
  • Interfere with or disrupt the integrity or performance of the Service or the data contained therein;
  • Exceed published rate limits or use the Service in a manner that degrades performance for other customers.

2.5 Account and Access

You may not:

  • Share account credentials or allow unauthorized individuals to access the Service;
  • Create accounts using false or misleading information;
  • Exceed the number of Authorized Users specified in your subscription;
  • Use a single user account for multiple individuals (account sharing);
  • Resell, redistribute, or provide access to the Service to third parties without authorization.

3. Insurance Industry Requirements

3.1 Regulatory Compliance

Customers operating in the insurance industry must ensure their use of the Service complies with:

  • All applicable state and federal insurance laws and regulations;
  • Market conduct standards and examination requirements;
  • Rate and form filing requirements in jurisdictions where they operate;
  • Surplus lines regulations where applicable;
  • NAIC model laws and guidelines adopted in their operating jurisdictions;
  • Anti-fraud reporting requirements;
  • Data breach notification requirements applicable to insurance data;
  • Any specific requirements of their state department of insurance regarding the use of AI or automated systems in insurance operations.

3.2 Human Oversight in Insurance Operations

Customers must maintain appropriate human oversight when using the Service for insurance operations. At minimum:

  • All AI-assisted underwriting decisions must be reviewed and approved by a qualified, licensed underwriter before being finalized;
  • All AI-assisted claims determinations must be reviewed by a qualified claims professional before being communicated to claimants;
  • Regulatory filings, rate schedules, and form filings must not rely solely on AI Output without review by qualified compliance personnel;
  • Communications to policyholders and claimants generated or assisted by AI must be reviewed by qualified personnel before sending;
  • Financial calculations, reserve estimates, and actuarial analyses generated by AI must be validated by qualified professionals.

3.3 Record Keeping

Customers are responsible for maintaining records of AI-assisted decisions as required by applicable insurance regulations. The Service provides audit logging to assist with this requirement, but Customers must configure and use these features in accordance with their regulatory obligations.

4. Data and Content Standards

4.1 Customer Data

Customers are responsible for ensuring that:

  • All Customer Data uploaded to the Service is collected and processed in compliance with applicable data protection laws;
  • Appropriate consents, notices, and authorizations have been obtained from data subjects whose information is processed through the Service;
  • Customer Data does not include categories of data that the Customer is not authorized to process or that are prohibited by applicable law;
  • API credentials and tokens provided for Connections are valid, authorized for the intended use, and do not violate the terms of service of the connected third-party systems.

4.2 Skills and Automations

Customers are responsible for the content, logic, and behavior of Skills and Automations they create. Skills and Automations must not:

  • Contain instructions that violate applicable law or this AUP;
  • Attempt to circumvent Platform safety controls or permission restrictions;
  • Execute actions that exceed the Customer’s authorized scope of access;
  • Process data in ways that violate the Customer’s data protection obligations.

4.3 Skill Marketplace

If the Service includes a marketplace for sharing Skills between organizations, participating Customers must ensure that shared Skills: (a) do not contain proprietary data or trade secrets; (b) comply with this AUP; (c) are accurately described; and (d) do not infringe the intellectual property rights of any third party.

5. Resource Usage

Customers must use the Service’s computational resources responsibly:

  • Do not generate unnecessary or frivolous AI interactions that consume token allocations;
  • Do not configure Automations that create infinite loops or excessive trigger cascades;
  • Respect rate limits on API Connections and do not attempt to circumvent them;
  • Do not use the Service for cryptocurrency mining, distributed computing, or other resource-intensive activities unrelated to legitimate business operations;
  • Monitor usage and optimize Skills and Automations for efficient resource consumption.

6. Reporting and Enforcement

6.1 Reporting Violations

If you become aware of any violation of this AUP, please report it immediately to abuse@42ims.com with details of the violation.

6.2 Investigation

Company reserves the right to investigate any suspected violation of this AUP. Company may review Customer activity, audit logs, and configuration data as reasonably necessary to investigate violations and protect the Service and its users.

6.3 Enforcement Actions

Upon determining that a violation of this AUP has occurred, Company may take one or more of the following actions, at its sole discretion:

  1. Issue a warning requiring correction of the violation;
  2. Temporarily suspend the offending Authorized User’s access;
  3. Disable specific Skills, Automations, or Connections that violate the AUP;
  4. Suspend Customer’s access to the Service pending investigation;
  5. Terminate Customer’s subscription in accordance with the Terms of Service;
  6. Report violations to law enforcement or regulatory authorities as required or appropriate.

6.4 No Liability for Enforcement

Company shall not be liable for any damages arising from its enforcement of this AUP, including any suspension or termination of access resulting from a reasonably determined violation.

7. Changes to This Policy

Company may update this AUP from time to time. Material changes will be communicated to Customers at least thirty (30) days before they take effect. Continued use of the Service after such changes take effect constitutes acceptance of the updated AUP.

Contact Information

For questions about this Acceptable Use Policy, please contact:

42 Consulting LLC
Email: legal@42ims.com
Abuse Reports: abuse@42ims.com
Website: https://ai.42ims.com