Terms of Use

Terms of Use:

Effective Date: 21st October 2025

Welcome to Rehuman. These Terms of Use (“Terms”) govern your access to and use of the Rehuman application, website, digital wallet, and related services (together, the “Services”) operated by Rehuman Ltd (“Rehuman”, “we”, “us” or “our”). By accessing or using our Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Services.

1. About Us

Rehuman Ltd is a company registered in England and Wales. We provide a mobile application designed to help individuals manage, understand, and stay on top of their insurance documents. We are not an insurance provider, broker, or underwriter, and we do not sell or arrange insurance products.

2. Eligibility

You must be at least 16 years of age to access or use the Services. By using the Services, you represent and warrant that you meet this requirement and that all information you provide to us is accurate, current, and complete.

3. What Rehuman Offers (and Does Not Offer)

3.1 What Rehuman Provides

·       Insurance Wallet. A digital wallet to store and organise insurance-related documents (e.g., policy schedules, certificates, IPIDs/PIDs, endorsements, renewal notices).

·       Document Upload & Parsing. Tools to upload documents (including manual PID upload) and automatically extract key fields using document-analysis technology.

·       Inbox Scan (Opt-In). An optional tool to help locate insurance-related emails/attachments. We only retain items confirmed as policy documents; non-policy items are not stored (see Privacy Policy).

·       Policy Linking & Versioning. Associating documents to policies, tracking versions, effective dates and renewals.

·       Notifications & Reminders. Policy-related reminders (e.g., renewal due, missing documents), sent via in-app and/or push notifications.

·       AI-Powered Assistance. Contextual prompts and guidance generated from the insurance documents you provide (e.g., renewal preparation checklists, coverage gap flags). Output is informational only (see§3.2).

·       Broker/Insurer Dashboard (B2B). An environment for authorised broker/insurer/MGA users to view customer-shared policy artefacts, manage outreach, and coordinate renewals subject to appropriate consents.

·       Engagement & A/B Features. Optional engagement tools (e.g., messages, offers, rewards experiments) configured by authorised B2B users.

·       Claims/Renewal Coordination. Workflow support to help you organise documents and communicate with your broker/insurer about claims or renewals. Rehuman does not adjudicate claims.

·       Whitelabel Options. Optional branding for brokers/insurers to offer the Wallet and dashboard to their customers, subject to separate commercial terms.

·       Data Controls. User-visible controls to upload, remove, or request deletion of documents, and to manage sharing/consents with third parties you authorise.

3.2 What Rehuman Does Not Provide

·       Not an Insurer or Broker. We do not underwrite, bind, sell, or place insurance, and we are not your broker off record or agent. If you choose to purchase an insurance product via a third-party referral or link, you do so at your own discretion and subject to that third party’s terms and conditions.

·       No Regulated Financial Advice. AI outputs, reminders, or insights are informational only and do not constitute advice. Decisions about cover, claims, or renewal are yours (or your broker’s/insurer’s) to make.

·       No Claims Handling or Guarantees. We do not process or decide claims, guarantee outcomes, or ensure policy availability, pricing, or coverage suitability.

·       No Comprehensive Inbox Retention. We do not access or store your entire inbox or unrelated emails. Non-policy documents identified during scans are not retained (see Privacy Policy for details and exceptions required by law).

·       No Unauthorised Sharing. We do not share your documents with brokers/insurers without your explicit consent or a lawful basis.

3.3 Your Responsibilities

·       Accuracy & Completeness. You are responsible for ensuring documents you upload are accurate, current, and lawfully shared with us.

·       Permissions. You must have rights and permissions to upload and share documents (including any third-party personal data).

3.4 Service Availability & Changes

·       Beta/MVP Features. Certain capabilities may be released as beta and can change, be rate-limited, or be withdrawn.

·       Maintenance & Updates. We may update models, parsing rules, and filters to improve safety, accuracy, and compliance.

3.5 Compliance & Data Protection

·       Privacy by Design. We apply purpose limitation and data minimisation; automatic deletion workflows may remove items determined to be non-policy.

·       Audits & Logs. We maintain audit logs of key processing events (e.g., uploads, deletions, shares) for accountability.

·       Your Rights. You can access, export, or delete your personal data in line with our Privacy Policy and applicable law.

4. Your Account

You are responsible for maintaining the confidentiality of your account credentials. You must not share your password with anyone else.

If you believe your account has been compromised, you must notify us immediately at info@rehuman.co.uk . You are solely responsible for any activity conducted under your account.

5. Acceptable Use

You agree not to use the Services in any way that:

  • Is unlawful, fraudulent, or malicious
  • Uploads or shares false, misleading, or unauthorised content
  • Interferes with or disrupts the operation of our platform or infrastructure
  • Attempts to reverse-engineer, copy, or replicate our technology
  • Uses our AI features to generate or share offensive, harmful, or inappropriate content

We reserve the right to suspend or terminate your access to the Services if you breach these Terms

6. Privacy

Our use of your personal data is governed by our Privacy Policy, which forms part of these Terms. By using our Services, you agree to the collection and use of your data in accordance with that policy.

7. Artificial Intelligence and Automated Insights

Some features of the Services, including document recognition, policy categorisation, and personalised suggestions, are powered by artificial intelligence (AI). These features may use third-party AI platforms such as Google Cloud AI and Amazon Web Services (AWS), as well as Rehuman’s proprietary AI model trained exclusively on insurance policy data.

These tools are designed to help you better organise and understand your insurance documents, but:

  • Are for informational purposes only
  • Do not constitute regulated financial, insurance, legal, or professional advice
  • May not always reflect the most accurate, complete, or up-to-date information
  • Should not be relied upon as the sole basis for any decision

By using these features, you acknowledge that any decisions or actions you take based on AI-generated content are entirely at your own risk, and Rehuman Ltd shall not be held liable for any consequences arising from such use.

7A. No Financial Advice

Rehuman is not a regulated entity and does not provide financial advice.

Any tools, insights, or suggestions offered within the Services are general in nature and not tailored to your individual financial circumstances. We do not:

  • Conduct a regulated insurance activity
  • Advise on the suitability or appropriateness of any insurance product
  • Recommend or endorse any specific insurance provider or policy

If you require financial, legal, or insurance advice, you should consult with a qualified, FCA-regulated advisor.

8. Email Scanning and Data Use

As part of our Services, Rehuman offers the ability to connect your email account (e.g. Gmail or Outlook) to identify and extract insurance-related documents for inclusion in your Rehuman Wallet.

By enabling this feature, you give us permission to:

  • Securely access your email account using industry-standard authentication protocols (e.g., OAuth).‍
  • Perform, keyword-based searches (e.g.,“policy,” “insurance,” “coverage,” “renewal,” “policy number”) to detect relevant policy-related emails and attachments.
  • Process subject lines, sender details, and metadata to help identify potential policy documents.
  • Extract and store only the relevant documents or data necessary to populate your Rehuman Wallet.

Occasionally, documents may be identified that are not related to insurance. These will be disregarded and excluded from future scans.

What We Do Not Do

We do not:

  • Scan your entire inbox or calendar.
  • Access, read, or retain emails that are not directly relevant to insurance.
  • Send emails on your behalf.
  • Use inbox data for marketing, profiling, or advertising.
  • Sell or share your email data with third parties.

Legal Basis and Consent

Our processing of your inbox data is based on your explicit consent. You may withdraw this consent at any time via your Rehuman account settings or directly via your Google or Microsoft account permissions dashboard.

Rehuman’s use and transfer of information received from Google APIs will comply with the Google API Services User Data Policy, including the Limited Use requirements.

Data Retention

Policy documents and related data retrieved via email scanning are stored until you delete them from your Rehuman Wallet or close your account. If you close your account, we will delete or anonymise your inbox-derived data within a reasonable period, unless a longer retention period is required by law.

Security Safeguards

All scanning is conducted in accordance with our Privacy Policy and with industry-standard security measures, including:

  • End-to-end encryption
  • Encrypted data storage (at rest and in transit)
  • Secure cloud infrastructure (Google CloudPlatform and Amazon Web Services)
  • Role-based access controls and audit logging

9. Intellectual Property

All content, branding, software, and technology used or made available through the Services are owned by Rehuman Ltd or its licensors. You must not copy, reproduce, distribute, or commercially exploit any part of the Services without our prior written consent.

10. Third-Party Services

Our Services may include links to or integrations with third-party providers (e.g. insurance providers, platforms, or APIs). We are not responsible for the content, security, or practices of those third parties. Your use of such services is at your own risk and subject to their terms and policies.

11. Disclaimers and Limitation of Liability

The Services are provided “as is” and “as available”. While we aim to offer a secure and reliable platform, we do not guarantee that the Services will be uninterrupted, error-free, or free from defects or vulnerabilities.

To the fullest extent permitted by law:

  • We disclaim all warranties, conditions, and representations (express or implied) relating to the Services.
  • We shall not be liable for any loss, damage, or expense arising out of or in connection with your use of the Services.
  • We are not liable for the accuracy of third-party policy data or AI-generated insights.

Nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be lawfully excluded.

12. User Content and Submissions

If users upload, submit, or share any content (e.g. insurance documents, notes, personal annotations), they:

  • Grant Rehuman a non-exclusive, royalty-free licence to use, store, and process such content solely to provide the Services.
  • Confirm that they have the right to upload or share that content and it does not infringe any third party rights.

13. Beta Features

From time to time, we may make beta or experimental features available to you. These features:

  • May be less reliable or accurate than other parts of the Services
  • Are provided “as is” and without warranties of any kind
  • May be discontinued or changed at any time without notice

14. Third Party Authentication Services

If you log in or connect via third-party platforms (e.g. Google or Microsoft), you authorise us to access and use certain information as permitted by those services, governed by their own terms.

15.Feedback

If you provide suggestions, ideas, or feedback about the Services, you agree that we may use them without restriction or compensation.

16. Termination

You may stop using the Services at any time. We reserve the right to suspend or permanently disable your access to the Services if we reasonably believe you have breached these Terms or misused the platform.

17. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you via the app, website, or email. Continued use of the Services after changes are published constitutes your acceptance of the updated Terms.

18. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. Data Retention & Deletion

We retain your data only for as long as necessary to provide the Services or as required by law. You may request deletion of your account and associated data at any time by contacting us or using in-app options. We will action such requests in accordance with applicable data protection laws.

20. Contact Us

If you have any questions or concerns regarding these Terms or the Services, please contact us at:

Rehuman Ltd
Email: info@rehuman.co.uk
Address: 14 Grays Inn Road, London, Greater London, United Kingdom, WC1X 8HN