These Terms of Service govern the public website, property reports, professional tools, and insurance-partner pilot provided by Hazard Clarity at hazardclarity.com. Hazard Clarity is the service operator. For service or participation questions, contact thano@hazardclarity.com. Our Privacy Policy explains our data practices.
1. Acceptance and eligibility
By using the service, you agree to these terms to the extent an agreement can lawfully be formed through your use. If you do not agree, discontinue use. You must be at least 18, or the age of legal majority where you live if higher, to submit contact information, request professional follow-up, apply for the pilot, or use a professional account. A person acting for an agency or other organization must have authority to act for it.
Submitting a pilot application requests review and permission for us to contact you about that application. It does not itself create an account, activate participation, accept an agency participation agreement, or authorize a charge. Agency activation requires approval and the agency's affirmative written or electronic acceptance of the applicable participation terms.
2. Educational information and service limitations
Hazard Clarity provides educational property-hazard summaries, public-source event information, and tools for professional and consumer conversations. It is not an insurer, an insurance policy, a binding quote, an underwriting decision, an inspection, an appraisal, an engineering opinion, a legal or financial opinion, a survey, a flood determination for lending purposes, or a guarantee of insurability. A report does not establish that a property is safe, free of defects, or eligible for insurance or financing.
The service is not an emergency warning system. For present conditions, evacuation instructions, or an immediate threat, use current official emergency information and local authorities. Do not delay an emergency response while using this website.
3. Sources, location estimates, and accuracy
Reports and event content use available government and other identified public sources. Data may be incomplete, delayed, revised, inconsistent across sources, or unavailable. The absence of a result is not evidence that a hazard is absent. A report reflects its displayed generation time and source limitations; later conditions can differ.
Address matches and coordinates are estimates, not surveyed parcel, building, or apartment locations. Review any address-confirmation request and verify that the displayed property is the property you intended to research. We do not guarantee a match for every address or continuous availability of every source. Use the cited sources and an appropriately qualified professional to verify information before making decisions.
Some articles, briefs, graphics, and professional content are prepared with automated or AI-assisted tools using source information. They can contain errors despite validation and review. Professionals remain responsible for checking the content they share and for their own advice and representations.
4. Optional professional follow-up
You may use a property report without requesting insurance follow-up. Where eligible participating agencies are available, you may choose an agency and affirmatively authorize sharing your request, contact information, and report with it. Availability depends on the property's location, requested product, approved service area, agency status, and capacity. Availability can change.
A request is not an application for an insurance policy and does not bind coverage, establish a premium, or guarantee a response, quote, policy, savings, or claim outcome. The selected agency and any insurer are independent third parties responsible for their services, licensing, disclosures, advice, quotes, and policies. Any insurance transaction is between you and those parties, under their separate terms.
Requesting contact authorizes reasonable responses about that request through the contact preference you provide. It does not grant blanket permission for unrelated marketing or automated telemarketing. You may ask the agency to stop further contact and contact Hazard Clarity for help with your request. We retain an operational copy and delivery history as described in the Privacy Policy.
5. Insurance-partner pilot participation
Pilot period: an approved agency's participation begins on its recorded activation date and continues through April 30, 2027, unless participation ends earlier or a separately agreed agency agreement establishes a different period. An extension or paid enrollment requires a separate express agreement.
Approval and scope: before activation, we review the agency's licensing or producer references, actual service area, insurance products, physical office states, contact and notification recipients, compliance status, approved routing lanes, and applicable non-mortgage markets or capacity. A state or service-area claim in an application is not automatically an approved entitlement. Only the approved scope recorded for the agency is enabled. Physical office states used for brief personalization are separate from licensed service states.
Charges: applying for or participating in the pilot does not authorize billing. We will not impose a new fee, automatically enroll an agency in paid services, or convert pilot access into a paid subscription without separately disclosing the amount, billing period, and start date and obtaining the agency's express agreement. A separately agreed agency arrangement controls any charges it expressly establishes. This public update does not change existing agreed prices or payment obligations.
Tools and communications: approved access may include property-report context, eligible consumer-requested follow-up, dashboard intelligence, and educational social or email drafts. Available features and source coverage may change during the pilot. Daily Hazard Brief recipient enrollment is separate from applying or creating an account. Monthly and quarterly county or market intelligence reports remain an early-access offering and are not promised for every state, period, or agency.
No volume or territory guarantee: the pilot does not guarantee a request volume, exclusive territory, a fixed number of market seats, a policy sale, or a financial return. Consumer choice, actual demand, serviceability, and approved capacity govern availability. A national planning map or proposed post-pilot price is not an offer of an immediately available seat.
Separate routing lanes: mortgage-connected consumer requests are separate from paid non-mortgage market participation. They are not sold per lead, are not capped by a non-mortgage quota, and do not receive priority because an agency purchases markets. Non-mortgage participation is limited to the agency's approved markets and applicable capacity. No term authorizes a referral payment, unlicensed activity, or a transaction prohibited by applicable law.
6. Partner duties and consumer information
A participating agency must keep its licensing, products, service area, capacity, office states, and recipients accurate; notify us promptly of a change affecting eligibility; pause participation when it cannot serve requests; and use consumer information only for the requested follow-up and related lawful recordkeeping. Agencies must protect credentials, restrict access to authorized personnel, and not sell, redistribute, or use a consumer's request for unrelated marketing.
Partners must follow applicable licensing, privacy, insurance, advertising, communications, and consumer-protection requirements. Review source limitations and educational drafts before sharing them. Record request outcomes accurately using the available dispositions; do not fabricate contact, quote, or policy outcomes. Promptly report suspected unauthorized access, misrouted information, or delivery failures to thano@hazardclarity.com.
A recorded email-provider acceptance means a message was accepted for delivery; it does not prove inbox receipt, engagement, or a consumer response. We maintain delivery and recovery records and investigate reported problems.
7. Pilot suspension and exit
Either the agency or Hazard Clarity may end pilot participation by written notice. Agencies may send notice to thano@hazardclarity.com. We may pause access or routing promptly for eligibility, security, capacity, misuse, or service concerns. No new requests should be assigned after participation is suspended or ended.
Ending participation does not erase obligations for already-authorized requests or records that must lawfully be retained. Agencies must stop using credentials, stop presenting themselves as active participants, protect existing consumer information, and handle deletion or retention under applicable law and their agreement. An agency-specific agreement governs any different notice or exit terms it expressly establishes.
8. Acceptable use and account security
Use the service for lawful property research and authorized professional work. Do not submit fraudulent requests or contact details, impersonate another person or agency, collect another user's data without authorization, bypass access controls or rate limits, expose credentials, interfere with the service, or scrape it in a manner that abuses our systems or the public sources on which they depend. Do not use educational screening results as a substitute for legally required inspections, determinations, disclosures, or professional decisions.
Professional access is limited to the approved agency and its authorized users. Keep account credentials private and promptly report suspected compromise. We may limit requests, revoke credentials, or suspend access to investigate misuse or protect users.
9. Content and intellectual property
Hazard Clarity retains its rights in the service's software, design, original text, and original graphics. Government data and third-party materials remain subject to their publishers' rights and terms. You may use and share reports and approved educational materials for lawful personal or authorized agency work, with source attribution and limitations intact. Do not imply that Hazard Clarity or a government agency endorses a product, policy, or professional recommendation.
You are responsible for having the rights to any agency branding, contact information, or other material you submit. You give us permission to process and display that material as reasonably needed to provide the service and your approved professional tools. We do not acquire ownership of your agency's branding or customer records through that permission.
10. Third-party services and communications
Government tools, mapping and geocoding services, hosting providers, email providers, and linked websites operate under their own terms and privacy practices. We cannot guarantee their availability or control third-party content. We are not affiliated with or endorsed by the government agencies whose public information we cite.
Submitting a contact message, pilot application, or intelligence-report waitlist request does not automatically enroll you in unrelated marketing or activate professional participation. To stop a requested brief or availability-update subscription, use the available preference controls or email thano@hazardclarity.com with the address and subscription you want stopped.
11. Disclaimer of warranties
TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, OR UNINTERRUPTED AVAILABILITY. Nothing in these terms excludes a warranty or protection that the law does not allow us to exclude.
12. Liability and misuse
To the extent permitted by applicable law, Hazard Clarity is not liable for indirect, incidental, special, consequential, or punitive damages arising from use of the service. This limitation does not exclude liability or remedies that cannot lawfully be excluded, including mandatory consumer rights.
To the extent permitted by law, a user responsible for unlawful misuse of the service or unauthorized disclosure of another person's information is responsible for resulting third-party claims and reasonable costs attributable to that conduct. This does not require a consumer to waive a non-waivable right or indemnify us for our own unlawful conduct.
13. Changes, interruptions, and termination
We may update features, sources, availability, and these terms as the service develops. We publish the effective date and version of updated terms and provide additional notice or obtain renewed agreement when required by applicable law or an agency agreement. Changes do not retroactively create fees or override separately agreed agency obligations. If you do not agree to updated terms applicable to your use, discontinue that use and contact us about any active request or participation.
We may suspend or discontinue public access for maintenance, security, misuse, or operational reasons. Mandatory legal rights and obligations, privacy requests, and duties concerning already-authorized requests remain applicable.
14. Applicable law and disputes
Applicable United States federal and state law governs use of this service. Disputes may be brought in a court with competent jurisdiction, subject to any mandatory protections and forum rights applicable to you. These terms do not impose mandatory arbitration or waive a right that cannot lawfully be waived. If part of these terms is unenforceable, the remaining provisions continue to apply to the extent permitted by law.
A separately executed agency agreement controls on a matter it expressly addresses differently. The general service provisions otherwise continue to apply.
15. Contact and policy version
Service, participation, and terms questions: thano@hazardclarity.com or the contact page. Privacy requests are handled under our Privacy Policy.
Terms version: HC-TOS-2026-10-12. Effective date: October 12, 2026.