AI Terms of Service

Nature of AI outputs

Chat answers, forecasts, cost tips, summaries, and similar outputs are informational only. They are not medical advice, legal advice, or a benefits determination. They do not replace the plan's Summary Plan Description, the claims administrator, or a licensed clinician. You remain responsible for decisions you make based on AI outputs.

How AI is hosted

Research and customer-facing conversation agents run inside Microsoft Azure under enterprise controls. They are not public consumer chat products. Xano authenticates each request and decides what context an agent may receive. Protected health information stays in the HIPAA-eligible Xano backend. Research mode does not receive claims, identifiers, or other PHI. See HIPAA Compliance for that split.

Acceptable use of AI features

You may not use AI features to:

• Access another person's record or chat without authorization
• Attempt to extract PHI you are not entitled to view
• Generate unlawful, harmful, deceptive, or abusive content
• Probe, scrape, or overload the service except as we expressly allow
• Circumvent role-based access, research vs. personal mode separation, or other safety controls

Data use and model training

Nemus Insights uses customer and member data to operate the service, including to answer authenticated questions with scoped context. We do not use customer PHI to train public foundation models. Vendor processing occurs under our agreements and, where applicable, Business Associate Agreements.

Accuracy and limitations

AI systems can be incomplete, outdated, or wrong. We do not warrant that AI outputs are error-free, complete, or suitable for any particular decision. Always cross-check important information against plan documents and official sources.

Changes

We may update these AI Terms. When the published PDF version changes, the product may require renewed acceptance before continued use of the portals.

Contact

Questions about these AI Terms go through Contact us. This page is product terms for AI features. It is not legal advice and does not replace a signed customer agreement or BAA.