Terms of Service

1. Acceptance of Terms

By accessing or using the Reserium platform ("Service") operated by DD Consulting LLC ("we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Reserium is an enterprise actuarial reserving platform that provides tools for IBNR (Incurred But Not Reported) claims estimation, including:

• Chain Ladder and development factor analysis
• Bornhuetter-Ferguson and Cape Cod methods
• Mack Method and Bootstrap simulations
• Collaborative workspace features
• Report generation and export capabilities

3. User Accounts

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your use complies with applicable laws and regulations

4. Data Ownership

You retain all rights to the actuarial data and content you upload to Reserium. We do not claim ownership of your data. You grant us a limited license to process your data solely to provide the Service.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any systems
• Interfere with or disrupt the Service
• Share your account with unauthorized users
• Upload malicious code or content

6. Disclaimer

The Service is provided "as is" without warranties of any kind. Actuarial calculations and estimates provided by the platform are tools to assist professional actuaries and should be reviewed and validated by qualified professionals before use in any official capacity.

7. Limitation of Liability

To the maximum extent permitted by law, DD Consulting LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

8. Contact Us

For questions about these Terms of Service, please contact us at:

DD Consulting LLC
Email: legal@reserium.com