Terms of Service

Effective Date: November 12, 2026 • CodePaths, LLC

1. Automated Compliance Decision-Support Disclaimer

PassCOI (operated by CodePaths, LLC) provides automated software tools to extract and summarize fields from uploaded Certificates of Insurance, endorsement pages, and statutory lien waiver templates. PassCOI is not a licensed insurance broker, insurance carrier, accounting firm, or law firm, and does not provide legal or insurance coverage advice. Final approval to release subcontractor payouts remains the sole responsibility of the subscribing business.

2. Billing, Cancel-Anytime Subscriptions & 14-Day 100% Money-Back Guarantee

All fees are billed in US Dollars (USD) via Stripe. Monthly and annual subscriptions renew automatically until cancelled in 1 click via your Workspace Billing Portal. If you are not satisfied within 14 calendar days of your initial purchase of any PassCOI plan (including the Instant Audit Rescue Pack), email [email protected] for a full 100% refund.

3. Limitation of Liability

To the maximum extent permitted by applicable law, CodePaths, LLC’s aggregate liability arising out of or related to PassCOI shall not exceed the total subscription or service fees paid by Customer to CodePaths, LLC during the twelve (12) months preceding the claim.