# DouxProcess Open Kit License, Trademark Terms, Disclaimer and Release

Version 2026-10-10.1. Applies to every file downloaded from getdoux.com/download/, including the
workflow skills, the builder kit, its reference chapters, its starter code and its schemas
(together, the "Kit").

You accepted this agreement, with a typed signature, before the Kit was released to you. A
record of that acceptance (your name, National Producer Number, organization, title, email address, the date and time,
your network address and the version of this text) is kept by DouxProcess. If you did not
accept it and received the Kit from someone else, you may use it only under the open licenses
in section 2, and section 2A on our name and badge applies to you.

## Read this first: what can go wrong, and who pays for it

The Kit teaches you to build software that reads client email, writes to your agency
management system, drives carrier portals and drafts messages to insureds. Software like that,
built or run wrongly, can seriously harm your agency. **Every one of the following is your risk
alone, not ours:**

- A client or carrier receives a wrong, premature or unapproved message, certificate, quote or
  document.
- A claim, a cancellation notice, a non-payment notice or a deadline is missed, mislabeled or
  never seen by a person, and coverage lapses or a loss goes unreported.
- Wrong data is written to client or policy records, or records are overwritten or lost.
- Client nonpublic personal information is exposed, leaked or breached, including through a
  secret, password, key or token that you handled wrongly.
- A language model produces wrong, invented or misleading output and somebody relies on it.
- Automated access to a carrier portal or a vendor system breaks that carrier's or vendor's
  terms, and your access, appointment or contract is suspended or terminated.
- Text messages or emails sent without proper consent lead to claims under the Telephone
  Consumer Protection Act (which allows statutory damages per message), CAN-SPAM or state law.
- A regulator, carrier, client or court finds that your agency failed its licensing, privacy,
  data-security, record-keeping or supervision duties.
- Errors and omissions claims, uncovered losses, fines, penalties, lost commissions, lost
  clients, lost appointments, downtime, data loss, unexpected bills from model, hosting or
  software providers, and the cost of fixing or rebuilding anything.

If you do not have the skills, the staff, the supervision and the insurance to manage these
risks, do not build or run anything from the Kit. Hire a qualified professional, or don't use it.

## 1. Who is agreeing

"DouxProcess", "we" and "us" means the business that publishes getdoux.com, together with its
owners, members, managers, officers, directors, employees, contractors, agents, affiliates,
successors and assigns. "You" means the person who accepted this agreement and the agency,
company or other organization named at acceptance. You confirm that you are at least 18 years
old and that you have authority to bind that organization. If you do not have that authority,
you personally accept every obligation in this agreement. You confirm that the National Producer
Number (NPN) you entered belongs to you or to the licensed agency you are accepting for, that it
is current, and that you are authorized to use it. Entering an NPN that is not yours or your
agency's, or one you are not authorized to use, is a breach of this agreement and immediately
ends your permission to use our marks and to download from getdoux.com. We may check the NPN you entered against public and licensed sources.

## 2. Open source: what you may do

The Kit is an open-source kit: a written method with starter code. Its playbooks, skills,
reference chapters and other written material are licensed under the Creative Commons
Attribution 4.0 International license (CC BY 4.0, creativecommons.org/licenses/by/4.0/). Its
code, schemas and fixtures (`doux.py`, the `.sql` files and the sample files) are licensed under
the MIT License printed at the end of this file. Under those licenses you may copy, change,
share and build on the Kit, including commercially, as long as you credit the source ("Based on
the DouxProcess kit, getdoux.com"), say whether you changed it, and keep this notice with any
copy you share.

We release the Kit from getdoux.com only to licensed insurance agencies and producers who sign
this agreement.

## 2A. Our name and badge are not part of the open license

DouxProcess™, Doux™, the DouxProcess logo and the Doux Certified™ badge (the "Marks") are
trademarks of DouxProcess. Neither CC BY 4.0 nor the MIT License grants any right to use them.
Only a currently licensed insurance agency or producer, with a valid National Producer Number,
that has signed this agreement may say that it runs the DouxProcess method, and only DouxProcess
may grant the Doux Certified badge. Anyone else may use the Kit under its open licenses, but may
not use the Marks, call a product or service "Doux" or "DouxProcess", or suggest that we
endorse, support or certify anything they build. The credit line that section 2 requires is not
a use of the Marks.

## 3. Education only. Not advice, not a product, not a service

The Kit is general educational material. It is not legal, regulatory, compliance, insurance,
coverage, underwriting, tax, accounting, financial, data-security or professional engineering
advice, and nothing in it creates a professional, advisory, fiduciary, agency, partnership or
customer relationship between you and us. It is not software we sell, operate, host, support,
maintain, monitor or warrant. We are under no obligation to answer questions, fix errors, keep
it current or tell you when something in it becomes wrong. Laws, carrier rules and vendor
systems change; the Kit may already be out of date when you read it. Get your own advice from
qualified lawyers, compliance professionals, security professionals and your errors and
omissions carrier before anything you build touches real clients, real data or real systems.

## 4. You build it, you own it, you answer for it

Anything you or anyone acting for you builds, configures, deploys, operates or relies on with
help from the Kit (your "Build") is yours, and so is every consequence of it. You alone are
responsible for:

- designing, coding, reviewing, testing, securing, deploying, monitoring, maintaining and
  backing up your Build;
- deciding whether, when and how to use it on real clients, real data or real systems;
- supervising it with appropriately licensed and trained people, and every action your Build
  takes or proposes, whether or not a person approved it;
- every message sent, document issued, record written and decision made by, through or with
  the help of your Build;
- following the terms of every carrier, wholesaler, agency management system, email provider,
  model provider, hosting provider and other vendor whose systems or services your Build uses,
  including any terms that prohibit automated access;
- your secrets, passwords, keys, tokens and credentials, and every consequence of their loss;
- all fees and charges from any third party your Build uses.

The safeguards the Kit describes (approval queues, licensed sign-off, audit logs, holds,
read-back, disabled sending) reduce some risks. They do not remove them, and they work only if
you implement, test and keep them correctly. Removing or weakening them is entirely at your risk.

## 5. Compliance with law is yours

You are solely responsible for complying with every law and rule that applies to you and your
Build, including insurance licensing, producer supervision and appointment rules; state
insurance data-security laws and the Gramm-Leach-Bliley Act; state privacy laws, including the
California Consumer Privacy Act; the Telephone Consumer Protection Act, CAN-SPAM and state
telemarketing and texting laws; electronic-signature and electronic-delivery rules; record
retention rules; and carrier and regulator requirements. The Kit's compliance chapter is a
starting checklist, not a complete or authoritative statement of any law.

## 6. Assumption of risk

You understand the risks described in this agreement, including every item in "Read this
first", and you voluntarily and knowingly accept all of them. You agree that you are relying
only on your own judgment and the advice of your own professionals, and not on any statement
by us, on the website or anywhere else.

## 7. No warranties

THE KIT IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY
KIND. TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES AND CONDITIONS, EXPRESS,
IMPLIED OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, AND THAT THE KIT OR ANY BUILD WILL
WORK, BE ERROR-FREE, BE SECURE, OR COMPLY WITH ANY LAW OR CONTRACT. WE DO NOT WARRANT ANY
OUTPUT OF ANY LANGUAGE MODEL.

## 8. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS: (A) WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL,
SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE,
COMMISSIONS, CLIENTS, APPOINTMENTS, BUSINESS, GOODWILL, DATA OR COVERAGE, OR FOR ANY FINE,
PENALTY OR REGULATORY ACTION, HOWEVER CAUSED AND UNDER ANY THEORY, INCLUDING CONTRACT, TORT
(INCLUDING NEGLIGENCE), STRICT LIABILITY OR STATUTE, EVEN IF WE WERE TOLD THEY WERE POSSIBLE;
AND (B) OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE KIT OR THIS AGREEMENT IS LIMITED TO
ONE HUNDRED US DOLLARS (US$100). YOU PAID NOTHING FOR THE KIT AND AGREE THESE LIMITS ARE FAIR
AND ARE AN ESSENTIAL BASIS OF THIS AGREEMENT.

## 9. Release and covenant not to sue

To the fullest extent the law allows, you, for yourself and your organization, its owners,
employees, successors and assigns, release DouxProcess from every claim, demand, liability and
cost, known or unknown, arising from or relating to the Kit, your Build or your use of either,
and you agree not to sue DouxProcess, or help anyone else sue it, over them.

You expressly waive the benefit of California Civil Code section 1542, which reads: "A general
release does not extend to claims that the creditor or releasing party does not know or suspect
to exist in his or her favor at the time of executing the release and that, if known by him or
her, would have materially affected his or her settlement with the debtor or released party."
You also waive every similar law of any other place.

## 10. Indemnity

You will defend, indemnify and hold harmless DouxProcess from and against every claim, demand,
action, investigation, loss, liability, damage, judgment, settlement, fine, penalty, cost and
expense (including reasonable lawyers' fees) brought by anyone, including your clients,
insureds, carriers, vendors, employees, regulators and any government, that arises from or
relates to your Build, your use of the Kit, your breach of this agreement, or your violation of
any law or of anyone else's rights. We may take part in our own defense with counsel we choose,
at your cost, and you may not settle any claim that imposes an obligation on us without our
written consent.

## 11. Your data stays with you

The Kit runs on your systems and your accounts. We do not receive, host, process or have access
to your data or your clients' data through the Kit, and you must not send us client data,
policy data, credentials or secrets. Third-party services your Build uses are governed by their
own terms and privacy practices, and we are not responsible for them.

## 12. Ending this agreement

The open licenses in section 2 end only as CC BY 4.0 and the MIT License provide. Your permission
to use the Marks and to download from getdoux.com ends automatically if you break this agreement
or your producer license lapses, and we may end it at any time for any reason by notice on
getdoux.com. Sections 1 and 3 through 16 survive the end of this agreement.

## 13. Disputes

California law governs this agreement, without regard to conflict-of-law rules. The state and
federal courts located in California have exclusive jurisdiction, and you consent to them. Any
claim against us must be brought within one year after it arises, or it is permanently barred.
Claims may be brought only individually, never as a plaintiff or class member in any class,
collective or representative action, to the fullest extent the law allows.

## 14. Electronic signature

You agree that typing your name and accepting this agreement on getdoux.com is your electronic
signature under the federal E-SIGN Act and the California Uniform Electronic Transactions Act,
and that it binds you and your organization exactly as a handwritten signature would. You agree
that our electronic record of your acceptance is admissible and sufficient evidence of it.

## 15. Changes

A new version of this agreement applies only to Kit files you download after accepting that new
version. The version you accepted continues to govern the files you downloaded under it.

## 16. The rest

This agreement is the entire agreement between you and us about the Kit and replaces anything
said or written before about it. If any part is found unenforceable, that part is enforced to
the maximum extent allowed and the rest stays in effect. A failure to enforce any part is not a
waiver. You may not assign this agreement; we may. Headings are for convenience only. Contact:
admin@getdoux.com.

## MIT License (code, schemas and sample files)

Copyright (c) 2026 DouxProcess

Permission is hereby granted, free of charge, to any person obtaining a copy of this software
and associated documentation files (the "Software"), to deal in the Software without
restriction, including without limitation the rights to use, copy, modify, merge, publish,
distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the
Software is furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all copies or
substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING
BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM,
DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.