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Xactware Solutions, Inc. License Agreement

Welcome to Verisk

Last updated: June 15, 2023

Thank you for choosing our products and services. The products and services are provided by Xactware Solutions, Inc. of 1100 West Traverse Parkway, Lehi, Utah 84043, United States on behalf of itself and its affiliates and subsidiaries (hereinafter referenced as “Verisk”, “we”, “our”, or “us”). For purposes of this agreement “you” means the individual accepting the terms of this EULA (as defined below).

If you need to contact us, you can do so on 801-764-5900, or at

1. Binding Terms

1.1. You or the company you are employed by (the “Verisk Customer”) has entered into a contract with us for access to and use of the Services as defined below (the “Services Agreement”) and they have requested that you be given access. You have no rights under that Services Agreement unless you are a party to it.

1.2. By using our Services, you confirm that you have read, understood, and agree to the terms set out on this page, and that an enforceable contract (the “EULA”) comes into force between you, the end user, and us. If you do not agree to the EULA, you must not use the Services.

1.3. We may change the terms of the EULA from time to time by informing you (either through the Services, on our website, or otherwise), and the updated terms will come into effect when you first use the Services after we have sent you information about the change.

1.4. The EULA applies to these products and services, whether provided online, via a mobile device, or the desktop version: Xactimate, XactAnalysis, XactAnalysis SP, XactAnalysis Quality Review Tool, XactContents, XactXpert, ClaimXperience, ContentsTrack, OneXperience, XactPRM, XactRemodel, Online Training Center, Benchmark, Respond, Respond MAP, Allyne, Restoration Manager, Inspection Manager, Punchlist Manager, and Verisk Real Twiin (referenced herein as the “Services”).

(a) For Xactimate, XactAnalysis, XactAnalysis SP, XactAnalysis Quality Review Tool, XactContents, XactXpert, ClaimXperience, ContentsTrack, OneXperience, XactPRM, XactRemodel, Online Training Center, Benchmark, Respond, Respond MAP, Allyne, Restoration Manager, Inspection Manager, and Punchlist Manager we have published information about how we collect and use personal information at (the “Xactware Privacy Policy”). The Xactware Privacy Policy (as published from time to time) forms part of and applies to this EULA by this reference.

(b) For Verisk Real Twiin, we have published information about how we collect and use personal information at (the “Verisk Privacy Policy”). The Verisk Privacy Policy (as published from time to time) form part of and applies to this EULA by this reference.

1.5. The EULA incorporates the Verisk SMS Terms and Conditions as updated from time to time. The Verisk SMS Terms and Conditions govern any use of the Services to send and receive text messages.

2. License and Conditions of Use

2.1. Subject to the terms of this EULA, we grant you a non-exclusive, non-transferrable, temporary license to access and use the Services within the United States of America or Canada solely for the internal business purpose of the Verisk Customer on computers or mobile devices by you or your employees. As a condition for this license, you warrant and represent that you have a right to provide the Confidential Information as defined in 12.1 below to us, to upload the User Generated Content as defined in Subsection 5.1 below, and to grant to the Verisk Customer and its service providers (including us) the rights and the use of such Confidential Information and User Generated Content for and in support of business needs and as required to perform the Services, and where permitted under this EULA, for other uses as you have granted us that right.

2.2. You may not assign, sub-license, or otherwise purport to transfer any of the rights granted to you under this EULA. Any such assignment, sub-licensing, or transfer will be void.

2.3. In addition to any restrictions on access or use specified in the Services Agreement (which applies to you if you are an employee, contractor, or agent of the Verisk Customer), you must not:

(a) perform or attempt automated collection of information from the Services;

(b) decompile, reverse engineer, disassemble, modify, or create derivative works of the Services;

(c) utilize robotic process automation, artificial intelligence, or any other similar automation tools, software, technology, or processes to access, interface with, control, or use the Services or any data or information therein;

(d) make the Services (or your access to them) available to any other person, for remuneration or otherwise;

(e) use the Services other than in accordance with this EULA and applicable law;

(f) share a single user license of the Services with multiple users/individuals;

(g) create an archive or database of the data received from the Services;

(h) make an electronic copy of the Services;

(i) use a desktop virtualization application (e.g., Citrix), cloud computing platform, or any other method to make a single user license of the Services available to multiple users;

(j) use the Benchmark and Respond Services in underwriting, policy cancellation or renewal, establishing or stabilizing claims payments levels, granting of credit or other similar purpose; or

(k) use Verisk RealTwiin imagery for any high-risk activities (such as the design, development, production, construction, stockpiling, support, maintenance, or use of chemical or biological weapons, rocket systems (including ballistic missile systems, space launch vehicles and sounding rockets, operation of nuclear facilities, air traffic control or life support systems, where the use of or failure of the Services could lead to death, personal injury or environmental change)).

3. Registration and Security

3.1. You represent and warrant that all information provided by you is accurate, current, and complete in all material respects, and undertake to keep all registration and other information up to date.

3.2. You must choose strong and secure passwords, keep the passwords confidential and, other than with our prior written consent, not disclose the passwords to any other person for any purpose whatsoever.

3.3. You must promptly notify us if you have grounds to suspect the loss, theft, or unauthorized disclosure of any passwords, and will be responsible for all use of the passwords until you have reported the loss, theft, or disclosure to us. Subject to the foregoing, you are responsible for all activities that occur using your passwords.

3.4. You agree not to attempt to bypass any security mechanism used in connection with the Services or take any action which undermines the safety or security of the Services or any user.

3.5. You agree that we may monitor your use of the Services to validate your compliance with the terms of the EULA and validate compliance by the Verisk Customer with the Services Agreement.

4. Compliance with Law

4.1. This EULA incorporates the relevant data protection addendum (“DPA”) listed below when Applicable Law applies to the Processing of your Personal Information in connection with your use of the Services. The DPA replaces and supersedes any previously agreed data processing addendum between you and Verisk.

Jurisdiction Data Protection Addendum
United States Data Privacy & Protection Addendum for Verisk’s Customers
Canada Data Protection Addendum for Canadian Personal Information

4.2. When the DPA applies to your use of the Services, the following additional terms also apply:

(a) You agree that we are a Service Provider to you with respect to Personal Information provided or made available to us for provision of the Services.

(b) The Verisk Customer authorizes Verisk to engage Subprocessors for the Processing of Personal Information in accordance with this EULA and the Services Agreement. Verisk will monitor that all Subprocessors are bound by written agreements that require them to provide at least the same level of protection of Personal Information required by the Verisk Customer under the EULA and the Services Agreement.

(c) A list of Verisk’s current Subprocessors is available upon request. If the Verisk Customer objects to the engagement of a Subprocessor under the DPA, the Verisk Customer agrees that Verisk may terminate the EULA and the Services Agreement immediately and without further notice.

4.3. For purposes of Subsections 4.1 and 4.2 of the EULA, the terms Applicable Law, Personal Information, Processing, Service Provider, and Subprocessor have the meanings set forth in the DPA.

4.4. The party receiving Confidential Information is responsible for maintaining the security of such Confidential Information and for complying with all federal, state, provincial and local laws, regulations, or other requirements (including, in the United States, the Gramm-Leach-Bliley Act of 1999 as amended from time to time) governing the privacy, confidentiality, and non-disclosure of such information as are applicable to you.

4.5. Each party hereby represents that it is complying with and will comply with all applicable laws, regulatory requirements and regulations (including those governing the privacy and confidentiality and security of data) that relate to such party’s performance of its obligations under this EULA.

5. User Generated Content

5.1. Some of the Services may enable you and others to upload, share, or publish materials (“User Generated Content”). In doing so, you grant the Verisk Customer and its respective service providers (including Verisk) a perpetual, non-exclusive, royalty free, sub-licensable and transferable right to use, display, copy, modify, disclose and create derivative works of such User Generated Content.

5.2. You represent and warrant, and must ensure, that any material you upload, share, or publish:

(a) is accurate, correct, and not misleading;

(b) does not infringe the intellectual property rights, rights of privacy (including data privacy), or other rights of any person;

(c) does not contain any sensitive personal data or protected health information;

(d) does not breach any law, regulatory guidance, or relevant code of conduct;

(e) is not obscene, pornographic, or otherwise objectionable, does not depict violent or sexual acts, and does not perpetuate hatred against any person;

(f) is not abusive, threatening, or defamatory, and does not have the likely effect of causing offense or harm; and

(g) does not contain any instructions (including software) which if implemented might cause damage or injury to any person or property (including intangible property such as data).

5.3. Neither the Verisk Customer not its service providers are responsible to review any User Generated Content or Confidential Information submitted by you or any other person for compliance with this EULA or otherwise, or to exercise any degree of editorial control. You acknowledge that we are acting as a mere conduit. We may, however, remove or suspend access to any User Generated Content at any time in our sole and absolute discretion.

6. Data Use and Ownership

6.1. Data Provided by Verisk for Use with the Services.

(a) All data provided by Verisk (including but not limited to the Price Data (as defined below)) to you for use with the Services are owned by Verisk and must not be transferred, copied, or published (other than as part of the Work Product as defined below) by you or any of your employees, representatives, or agents in any form or format without Verisk’s express prior written permission.

(b) “Price Data” means any applicable pricing information authored by or licensed to Verisk (including but not limited to Verisk’s copyrighted price lists, and data submitted to Verisk by a third party through a data feed) in an organized format for the specific limited purpose of estimating fixed residential and/or light commercial structural remodel and repair costs, that is compatible with the current version of the Services. This pricing information is provided for informational purposes only.

6.2. Anonymous Data and the Services.

(a) Verisk owns all data from which assignee, assignor, and non-public client-specific information has been removed, which were created and/or extracted using the Services. Such data are referred to as “Anonymous Data”.

(b) Analytical information provided by the Services is owned by Verisk. Use by you of information gathered from the Services must be accompanied by appropriate acknowledgement of Verisk’s ownership of the information.

6.3. Work Product.

(a) The data generated using one or more of the Services (“Work Product”) is shared among the individuals or companies working on the transaction (e.g., the assignment or the estimate). You grant to Verisk a perpetual, irrevocable, unlimited license to use and have access to the Work Product.

7. Other Users and Third-Party Services

7.1. No contractual relationship may be formed between you and any other user of the Services as a result of your interaction with the Services. Any such relationship must be entered into using an alternative means of communication.

7.2. We have no responsibility for your arrangements with other users and will have no liability with respect to any dispute between you and another user. You agree to address such disputes directly to the other user.

7.3. You acknowledge that the transmission of messages through any SMS feature made available as part of the Services is dependent upon the facilities, networks, and connectivity provided by third-party service providers, and you consent to their use.

7.4. Verisk uses technical and maintenance support providers to provide support for the Verisk Services. You acknowledge that these providers may include personnel located outside of the United States.

8. Term, Suspension and Termination

8.1. The term of this EULA is for twelve (12) months, the period designated in the Services Agreement, or the period designated by you on the order confirmation receipt. The term will automatically renew for like terms at the date of expiration unless you provide written notification of your intent to terminate this EULA at least fifteen (15) days prior to the date of expiration. We may terminate this EULA without cause by giving you at least thirty (30) days’ written notice of our intent to terminate. If you breach the EULA, we may terminate this EULA immediately upon written notice to you, and you will have no right to cure.

8.2. We may suspend or terminate all or part of your access (and your rights to access and use) the Services without notice if:

(a) we have reason to suspect that: (i) you have violated the EULA; or (ii) the Verisk Customer has breached the Services Agreement;

(b) the Services Agreement or this EULA expires or is terminated;

(c) we consider it reasonably necessary to avoid loss or damage; or

(d) we are requested to do so by the relevant Verisk Customer or any regulatory authority.

8.3. In the event of termination, you must promptly, but in no event more than ten (10) days following our written request, deliver, return or destroy all or any portion of the Services, Price Data, or any other procedures, proprietary information, documentation, files, and/or any other property or data provided by Verisk under this EULA.

9. Indemnities

9.1. If you suffer a claim by a third party alleging that your use of the Services infringes any intellectual property rights of any person (“IPR Claim”), you agree to:

(a) notify us as soon as reasonably practicable and in any event within fourteen (14) days of becoming aware of the allegation;

(b) not make any admission of liability, agreement, or compromise in relation to the matter without our prior written consent; and

(c) give us complete authority to conduct all proceedings relating to the matter and to cooperate with us in relation to all such proceedings.

9.2. Provided you have complied with Subsection 9.1 and provided the IPR Claim relates to your use in accordance with the EULA, we will conduct the defense or settlement of the IPR Claim and will indemnify you against any settlement to which we agree, or any amount awarded by a court of competent jurisdiction to the extent the settlement or award arises from the IPR Claim.

9.3. In connection with any claim brought by a third party (including IPR Claims and proceedings by regulatory authorities), to the extent any loss, damage, or expense (including reasonably incurred legal fees) suffered or incurred by us in connection with the claim results from your violation of the EULA, you agree to indemnify us against such loss, damage, or expense.

9.4. You agree to indemnify and hold us harmless against any loss, damage, or expense (including reasonably incurred legal fees) suffered or incurred arising in connection with your breach of Subsection 5.2, or any allegation by a third party that your User Generated Content infringes the intellectual property rights, rights of privacy (including data privacy), or other rights of any person.

10. Your Representations and Warranties

10.1. You represent and warrant that the information obtained by you through your use of the Services will be treated as opinion. You must not rely on it without independent verification except at your own risk.

10.2. Verisk cannot and does not represent or assume the accuracy of or in any way endorse the content provided by its members or any other entity. You warrant and represent, therefore, that your use of information provided by the Services is only as a source of opinion. You agree not to rely thereon without independent verification, except at your own risk. You agree that as between you and Verisk, you are in the best position to assess your loss potential for any damage or injury incurred by you which arises out of your use of the Services, and you therefore contract and agree to accept the burden of insuring against such loss, including, but not limited to, losses caused by breach of express or implied warranty, product or service defect, negligence, and the acts or omissions of Verisk. You waive any right of subrogation as to Verisk against any such insurable loss. You agree to indemnify and hold Verisk harmless from liability arising out of your use of the Services websites, including,,,, and, or data obtained therefrom which arise out of any such insurable loss. You accept responsibility for all statements made or acts or omissions that occur as part of the use of these websites when such use is made possible through the use of your ID and password. You agree to indemnify Verisk from claims arising out of your use or from disclosure of your ID or password.

11. Verisk’s Limited Warranties.

11.1. The Services represents an integration point for content obtained from a vast array of sources. You assume the risk of human, mechanical, or other error by Verisk, its members, licensees, or other contributors that may cause delays, errors, or omissions. You acknowledge and agree that the Services may provide links to sites and information (including but not limited to pricing information) provided by others. Verisk makes no implied or express representation or warranty with respect to the accuracy of information contained in these linked sites or the pricing information.

11.2. Verisk does not warrant that the operation of the Services or any of its parts will meet your particular application requirements, or that operation of the Services or any of its parts will be uninterrupted or error free. You assume full responsibility for determining the suitability of the Services and its parts for your use.

11.3. Verisk does not warrant the accuracy of pricing information in the Price Data. Price Data are intended to be a representation of historical information to be used as a baseline or place to begin creation of an estimate. You are responsible to ensure the estimate includes pricing consistent with components including but not limited to actual materials, equipment, and labor pricing. You acknowledge and understand that Price Data provided as part of the Services are intended to target the most representative price of the various price points collected relevant to the specific line item in question. Having this single representative price per line item, computed from all valid price points researched in the market, means that some market price data are higher, and some market price data are lower than that which are reported. You agree not to prohibit or preclude deviations from the Price Data where contractor requirements, market conditions, demand or any other factor warrants the use of a different line-item price in the specific situation.

11.4. You acknowledge that the Services provided under this Agreement may contain content obtained from third-party sources. Verisk does not warrant nor is Verisk responsible for any such third-party content. Whether such third-party content is included in the Services, all such third-party content is provided “as is.” You must not rely on Verisk for the accuracy or completeness of content supplied by third-party sources. With respect to third-party content provided through the Online Training Center by CSAA Specialized Services, LLC (“Specialized”), Specialized is considered a third-party beneficiary of any disclaimer included in this Agreement. With respect to the content supplied by third-party sources that require separate contracts, you hereby warrant that you have executed the contracts and are complying with their terms and conditions.

11.5. Verisk is the owner of all rights and title to the rights licensed to you hereunder and has the right to grant to you the license granted under this EULA without violating any intellectual property rights of any third party.

11.6. Verisk warrants that the Services, if properly installed and operated by you in conformity with Verisk’s instructions, including but not limited to periodic updates, will materially perform substantially as described in the applicable documentation. Verisk further warrants that the Services will function properly in conformity with the description and documentation as set forth herein and as updated with future releases and upgrades to the Services. Additional statements, such as those made in advertising or presentations, whether oral or written, do not constitute warranties by Verisk and should not be relied upon as such.

11.7. In the event any product licensed hereunder fails to comply with the warranty as described herein, Verisk will exert commercially reasonable efforts to correct such product so that the product licensed hereunder performs as warranted.


11.9. Limitation of Licensee’s Remedies.



12. Confidentiality

12.1. “Confidential Information” means all information disclosed to the relevant party by or on behalf of the other party: (i) in connection with the Services; or (ii) which is marked as or otherwise has been indicated to be confidential, or which derives value to a party from being confidential, or which would be regarded as confidential by a reasonable person. To avoid doubt, any materials you upload, share, or publish to any public areas of the Services are not Confidential Information.

12.2. Subject to Subsection 12.3, each party must treat all Confidential Information as strictly confidential and except as permitted in the EULA or the Services Agreement must not disclose Confidential Information to any person.

12.3. A party may disclose Confidential Information if and to the extent:

(a) required by law or order of the courts or by any securities exchange or regulatory or governmental body to which such party is subject, wherever situated; or

(b) disclosed on a necessary basis to the professional advisers and auditors of such party; or

(c) the Confidential Information has come into the public domain other than by a breach of any obligation of confidentiality; or

(d) with the prior written approval of the other party, such approval not to be unreasonably withheld, delayed, or made subject to conditions.

12.4. If you use the Services to send or export non-Verisk Confidential Information to third parties, you and the Verisk Customer thereby authorize us to send or export such non-Verisk Confidential Information to them. You and the Verisk Customer further represent and warrant that you or the Verisk Customer have all necessary rights to send or export such non-Verisk Confidential Information to them.

12.5. We may share your information (including Confidential Information) with third-party subcontractors in connection with the provision of the Services, and with other persons as permitted in this EULA or the Services Agreement.

12.6. This Section 12 will not limit our ability to use Anonymous Data (including usage information and market data) or information acquired from you through the use of the Services’ feedback system, which is and will remain our property.

12.7. The restrictions contained in this Section 12 will continue to apply after the termination or expiry of this Agreement (however arising) without limit in time.

13. Proprietary Rights

13.1. All right, title, and interest in and to the Services, the Price Data, the technology and materials used to provide them, and any information you obtain through them, will remain with the rights holders. You may not copy, modify, distribute, create derivative works of, or otherwise use the same except as expressly provided.

13.2. You must not use or register any designation, name, or trademark appearing through the Services, or any designation, name, or trademark beginning with ‘Xact’ (together the “Verisk Marks”) and must not use or attempt to register any designation, name, or mark which is the same as or similar to any of the Verisk Marks.

13.3. You must not use or apply the Verisk Marks or any confusingly similar marks or terms on or in any of your promotional materials, including but not limited to your website, letterhead, business cards, estimates or any contracts. You also must not use any of the Verisk Marks as a metatag or metatags.

13.4. Any challenge or any attempt to register or obtain rights in and to the Services, the Verisk Marks, Price Data, and any other Verisk proprietary material, or any variation or simulation thereof, will be deemed a material breach of this Agreement, subject to immediate termination of this EULA by Verisk, without rights of cure.

14. Verisk’s Remedies; Injunctive Relief.

14.1. You acknowledge that your breach of the terms or conditions of this EULA may substantially diminish the value of the Services, and any other Verisk-owned materials, thereby causing irreparable harm to Verisk. As such, you therefore acknowledge and agree that in the event of your breach of this EULA, Verisk will be entitled to equitable relief, and you consent to the entry of both a preliminary and permanent injunction enjoining you from further violation of this EULA, solely upon a showing by Verisk that such breach by you has occurred.

14.2. Should Verisk seek equitable relief for a breach of this EULA, including but not limited to injunctive relief, you agree that you will not request that Verisk post a bond or other security in relation to such proceedings, or request that Verisk prove any actual damages. The provisions of this paragraph relating to you are included in this EULA solely at the request of Verisk to afford Verisk more security and not for the purpose of permitting you to escape or avoid any laws, rules or regulations of any applicable jurisdiction or any subdivision thereof applicable to you. Verisk’s entitlement to injunctive relief will not bar it from recovering monetary damages from you as a result of your breach of this Agreement, infringement of any Verisk intellectual property, or both.

15. Governing Law and Jurisdiction

15.1. The EULA and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) are governed by and will be construed in accordance with the laws of the State of New York, excluding that body of law applicable to conflicts of law.

15.2. The parties submit to the non-exclusive jurisdiction of the Federal, State, and/or County Court in the State of New York for all purposes relating to and in connection with this Agreement and any such dispute or claim.

16. Payment Schedule

16.1. The license fees charged to you for the Services are due at the beginning of the term. In addition, we will provide an invoice to you for the license fee each month detailing your charges plus any other payments associated with any other products or services being utilized by you under this EULA.

16.2. Depending on the Services being utilized by you, in addition to all other applicable license fees, fees may include upload fees as specified in the applicable invoice. Upload fees are those related to the completion of estimates for specific programs you may participate in to receive assignments for qualified work. Current rates for contractor upload fees can be reviewed in Verisk’s e-Service Center and may be updated from time to time.

16.3. Unless otherwise specified on the invoice, you agree to pay all billed charges by the tenth day of the month in which they are invoiced. All billings are payable in U.S. dollars only.

16.4. You agree to pay interest to us in the amount of one and one-half percent (1.5%) per month on amounts on all invoices not paid when due. You also agree to provide a written list of any charges you dispute within ten (10) days of billing. Any charges not disputed within said period will be deemed to have been accepted and payable.

16.5. You hereby acknowledge and agree that your failure to make any payment to us within fifteen (15) days after it is due will constitute a default. Once your account is in default, we, in addition to all other remedies available at law or equity, will have the right to disable your access rights to the Services.

16.6. You agree to cooperate with us in the establishment of a program that will allow you to utilize a method of electronic funds transfer as the means for payment to Verisk of the charges you have incurred.

16.7. Payments are to be made according to the invoice or, if paying online, payment is due immediately by valid credit card.

16.8. The license period commences on the date the Services are ordered.

16.9. You must, in addition to the other amounts payable under this Agreement, pay all applicable sales and use taxes.

17. Database Support, Product Support, Maintenance, and Training.

17.1. Database Support. For the applicable Services, Verisk will provide pricing information, which consists of unit costs and unit cost breakdowns consistent with those that may be expected from a contract or repair company in specific available geographic market areas in the United States and Canada that may be served by you. You may be contacted for feedback on current pricing trends. You authorize Verisk to make such contacts and agree to provide personnel knowledgeable of pricing information in each of the areas for which Price Data will be assembled. Updates to the Price Data will be made available to each site over an electronic connection for the applicable Verisk Services.

17.2. Training. Training seminars are available for an additional cost at Verisk’s offices in Lehi, Utah, and regionally throughout the USA and Canada as determined by Verisk. Please visit Verisk’s website at for the latest training schedule and registration forms or contact Verisk’s Training Team at 1-800-232-9228 Ext. 523 to schedule training.

17.3. Product Support. During the term of this EULA, Verisk will provide online support to you, without additional charge, via Verisk’s eService Center, located at Verisk will also provide telephone support at the fees detailed on Verisk’s eService Center. Due to the added functionality typically associated with newer versions of the Services, Verisk reserves the right to either provide product support electronically or by telephone: (i) for at least one year after the initial release of the Service or Services; or (ii) for prior versions of the Service or Services for at least one year after the release of a replacement or updated version of the Service or Services; or (iii) for at least six months after the Service or Services has been discontinued (general Distribution ceased); or (iv) require you to update to the most current supported versions of the Service or Services prior to providing support.

17.4. Storage. Verisk will store completed projects, including assignments, estimates, inspections, and/or jobs, in accordance with Verisk’s data retention policy. Verisk reserves the right to remove all data five (5) years from the date last modified or immediately following termination of this EULA or the Services Agreement. If you discontinue your subscription with Verisk and then begin a new subscription at a later date, Verisk does not guarantee that the original data will remain or be available on Verisk’s system. Additional fees to reconnect historical data to a new subscription may apply.

17.5. Copyright. United States copyright laws and international treaties protect the Services, Price Data, and Verisk materials described in this Agreement. Unauthorized use of the Services, Price Data, and Verisk materials, or any portion of them, may result in severe civil and criminal penalties, and will be prosecuted to the maximum extent under the law.

17.6. Publicity. During the term of this EULA, or the Services Agreement, you agree that Verisk has the right, but not the obligation, to list your company as a customer who uses the Services on Verisk’s website or in presentations. Verisk will remove your company’s name from any such list within thirty (30) days after any termination of this Agreement or after your written request.

17.7. Disputes. Verisk will be entitled to seek legal or equitable relief in any Federal, State, or County Court in the State of New York without first submitting the matter to arbitration with respect to alleged breaches or threatened breaches of any material term or provision of this EULA. The Federal, State or County Courts in the State of New York have exclusive jurisdiction over any such claim. You hereby irrevocably submit to the personal jurisdiction of any such court in the State of New York for any such claims and waive any claim or defense of inconvenient forum or lack of personal jurisdiction under any applicable law, decision, treaty or otherwise. In making the foregoing submission to jurisdiction, you expressly waive the benefit of any contrary provision of the laws of the jurisdiction of your incorporation or where you are doing business. All disputes, disagreements, controversies, questions or claims brought by you, arising out of or relating to this EULA including, without limitation, with respect to its formation, execution, validity, application, interpretation, performance, breach, termination or enforcement, must be determined by arbitration.

18. Miscellaneous Provisions

18.1. You consent to receiving all information and notices from us electronically (e.g., via e-mail or through the Services).

18.2. A failure to exercise or delay in exercising a right or remedy provided in the EULA will not constitute a waiver of that right or remedy, and no waiver by a party will constitute a waiver of any subsequent breach of the same or any other provision. Each right or remedy of a party under the EULA is without prejudice to any other right or remedy of that party under the EULA or at law.

18.3. If any provision of the EULA is declared by any competent court or body to be illegal, invalid or unenforceable under the law of any jurisdiction, or if any enactment is passed that renders any provision of the EULA illegal, invalid or unenforceable under the law of any jurisdiction this will not affect or impair the legality, validity or enforceability of the remaining provisions of the EULA, nor the legality, validity or enforceability of such provision under the law of any other jurisdiction.

18.4. You may not use the Services if you are located in a country to which the export or re-export of the Services is prohibited or if you are a person to whom the provision of Services is prohibited under the laws of the United States.

18.5. This EULA may have been presented to you in a language other than English depending on the language you selected when logging into the Services. The EULA is made available in multiple language for the sole purpose of ease of review for non-English speakers. You acknowledge and agree that the English version is the official version and is the binding version between you and Verisk. The English version is accessible and can be reviewed by you or your legal advisor at

19. Interpretation

19.1. In this EULA: (i) the singular includes the plural and vice versa, and references to the ‘Services’ includes a reference to any part of them; (ii) references to a person include any individual, firm, company, corporation, government, state or agency of a state or any association, trust, joint venture, consortium, or partnership (whether or not having a separate legal personality); and (iii) ‘including’, ‘in particular’, and similar expressions are by way of illustration and emphasis only and do not operate to limit the generality or extent of any other words or expressions.

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