Terms of Service

Last updated: July 2026

These Terms of Service (the “Terms”) form a binding agreement between IDCore, Inc. (“IDCore,” “we,” “us,” or “our”) and the business, entity, or individual that accesses or uses the IDCore platform (“Customer,” “you,” or “your”). Please read them carefully. They govern your access to and use of IDCore’s websites, applications, dashboards, application programming interfaces, and related vendor compliance services (collectively, the “Services”).

1. Acceptance of Terms

By accessing or using the Services, creating an account, clicking to accept these Terms, or otherwise indicating your assent, you agree to be bound by these Terms and by all applicable laws and regulations. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity, in which case “you” and “Customer” refer to that entity. If you do not agree to these Terms, you may not access or use the Services. If a separate, signed master subscription agreement or order form exists between you and IDCore, that agreement governs and controls to the extent of any conflict with these Terms.

2. Definitions

“Vendor” means any contractor, supplier, service provider, or other third party whose insurance, tax, credentialing, or compliance information is submitted to or processed by the Services. “Verification Output” means any status, compliance flag, indicator, risk signal, confidence level, extracted data point, Certificate of Insurance (COI) or W-9 verification result, coverage assessment, credentialing determination, summary, or other output generated by the Services. “Compliance Decision” means any decision to admit, reject, approve, deny, condition, onboard, retain, engage, or disengage a Vendor, or to treat a Vendor as compliant or non-compliant, eligible or ineligible, for any property, program, or engagement. “Vendor Data” means the documents and information relating to a Vendor that are submitted to or processed by the Services.

3. Description of the Services

IDCore provides an AI-powered vendor compliance platform designed for property management companies and their vendors. The Services include automated Certificate of Insurance (COI) verification, W-9 processing, vendor credentialing, compliance monitoring, a searchable vendor directory, audit-ready reporting, and integration with InsurePro for insurance coverage. The Services are informational and decision-support tools only. IDCore is a technology provider. IDCore does not select, approve, or reject Vendors, does not make Compliance Decisions, does not manage properties, and is not a party to any lease, engagement, or vendor relationship. The Services are not legal, insurance, underwriting, or professional advice, and no Verification Output constitutes a recommendation, instruction, or direction to take or refrain from taking any action with respect to any Vendor.

4. Verification Output Is Advisory Only

All Verification Output is advisory, probabilistic, and provided solely to assist you in your own independent evaluation of a Vendor. Verification Output does not represent a determination that any Vendor is compliant or non-compliant, insured or uninsured, qualified or unqualified, or suitable or unsuitable for any property, program, or engagement. You acknowledge that IDCore’s tools rely on artificial intelligence, machine learning, statistical modeling, optical character recognition, and third-party data sources, each of which has inherent limitations and may produce results that are incomplete, outdated, inaccurate, or not determinative. You agree not to treat any Verification Output as a substitute for your own judgment, verification, and legal obligations.

5. Customer Is the Sole Decision-Maker for All Vendor-Compliance, Credentialing, and Eligibility Decisions

You are, and at all times remain, the sole and exclusive decision-maker with respect to every Compliance Decision, and you remain responsible for your own compliance program. You alone decide whether to admit, reject, approve, deny, condition, onboard, retain, or engage any Vendor, and whether to treat any Vendor as compliant or eligible. IDCore neither makes nor participates in any such decision.

You expressly acknowledge and agree that:

Any Compliance Decision, including any admission, rejection, conditional approval, credentialing outcome, or engagement or disengagement of a Vendor, is made by you in your sole discretion and on your sole responsibility.
You will not rely on Verification Output as the sole basis for any Compliance Decision, and you will apply your own independent review, policies, and lawful compliance criteria to each Vendor.
IDCore is not responsible or liable for any Vendor admitted, rejected, or engaged based on Verification Output, for the consequences of any Compliance Decision, or for any act or omission of any Vendor engaged or excluded by you.
IDCore bears no responsibility for any harm, loss, damage, injury, default, uninsured claim, property damage, contract breach, regulatory penalty, or any other event arising from or relating to a non-compliant or uninsured Vendor you admit, reject, or engage, regardless of any Verification Output.

To the fullest extent permitted by law, you assume all risk associated with your Compliance Decisions and release IDCore from any claim that a Compliance Decision was made or influenced by, or should have been prevented by, any Verification Output.

6. No Guarantee of Accuracy or Complete Fraud Detection

IDCore does not warrant or guarantee that the Services will detect all fraud, forgery, misrepresentation, altered documents, expired or falsified coverage, or invalid credentials, or that any COI, W-9, credential, or coverage will be correctly verified. No verification system, including IDCore, can identify every instance of fraud or guarantee the authenticity of any document or the existence or adequacy of any Vendor’s actual insurance coverage. Verification Output may include false positives and false negatives. You acknowledge that a “verified,” compliant, or cleared status is not a guarantee of authenticity, actual coverage, eligibility, or Vendor suitability, and that a flag or non-compliant status is not a determination that fraud or ineligibility has occurred. You must not upload fraudulent documents or misrepresent compliance status, and you are responsible for independently verifying any information material to your Compliance Decisions.

7. Not Legal or Insurance Advice

IDCore's AI-powered COI verification is designed to assist in compliance decisions but does not constitute legal or insurance advice. While our system achieves a high automation rate, property management companies remain responsible for their own compliance programs and should maintain appropriate oversight of vendor insurance requirements. IDCore does not review, approve, or endorse your compliance criteria and is not responsible for how you weigh or apply Verification Output in your decision-making.

8. InsurePro Referral

IDCore facilitates connections between non-compliant vendors and InsurePro for insurance coverage. IDCore acts as a referral platform and is not an insurance provider, broker, or agent. Insurance policies obtained through InsurePro are governed by InsurePro's terms and the applicable insurance carrier's policy terms. IDCore does not guarantee the availability, pricing, or terms of any insurance coverage.

9. Compliance Notifications

IDCore sends automated notifications regarding compliance status, including expiration alerts and verification results. While we strive to deliver notifications promptly, IDCore is not liable for delays in notification delivery or for compliance lapses that occur despite notification efforts. You are responsible for monitoring the compliance status of your Vendors and for maintaining your own processes to identify and act on expirations, gaps, and lapses.

10. Data and Documents

COI documents, W-9 forms, and vendor credentials uploaded to IDCore are stored securely and made available through the IDCore platform. Property management companies retain access to compliance records for their vendors. Vendors retain ownership of their uploaded documents. IDCore may use anonymized, aggregated data to improve service quality and AI verification accuracy. You are solely responsible for the accuracy and lawfulness of the Vendor Data you submit and for handling Vendor Data in accordance with applicable privacy and data protection laws.

11. Customer Responsibilities and Acceptable Use

You agree to use IDCore only for its intended purpose of managing vendor compliance, COI verification, and vendor credentialing, and only for lawful purposes and in accordance with these Terms and all applicable laws. You are responsible for maintaining accurate vendor information and compliance requirements for your properties. You will not misuse the Services, attempt to reverse engineer or circumvent the Services, use the Services to build a competing product, submit data you are not authorized to submit, upload fraudulent documents, misrepresent compliance status, or use Verification Output for any purpose other than evaluating a bona fide Vendor for a legitimate compliance purpose. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

12. Disclaimer of Warranties

THE SERVICES AND ALL VERIFICATION OUTPUT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, IDCORE DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR WILL DETECT ALL FRAUD OR CORRECTLY VERIFY ANY DOCUMENT, CERTIFICATE OF INSURANCE, W-9, CREDENTIAL, OR COVERAGE.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IDCORE WILL NOT BE LIABLE FOR ANY COMPLIANCE DECISION OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS, OR FOR ANY LOSS ARISING FROM A NON-COMPLIANT OR UNINSURED VENDOR, ARISING OUT OF OR RELATING TO THE SERVICES, ANY VERIFICATION OUTPUT, OR ANY ACT OR OMISSION OF ANY VENDOR, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF IDCORE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, IDCORE’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE FEES PAID BY YOU TO IDCORE FOR THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.

14. Indemnification

You agree to defend, indemnify, and hold harmless IDCore and its officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to your Compliance Decisions, your use of the Services or Verification Output, your compliance criteria, your submission of any Vendor Data, or your violation of any applicable law or of these Terms.

15. Termination and Suspension

Either party may terminate the Services in accordance with the applicable subscription agreement or order form. We may suspend or terminate your access to the Services immediately if you breach these Terms, misuse the Services, or create risk or legal exposure for IDCore or others. Provisions that by their nature should survive termination, including Sections 4 through 14, will survive.

16. Changes to the Services and These Terms

We may modify the Services or these Terms from time to time. If we make material changes, we will update the “Last updated” date above and, where required, provide additional notice. Your continued use of the Services after changes become effective constitutes your acceptance of the revised Terms.

17. Governing Law and Miscellaneous

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. If any provision of these Terms is held unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect. These Terms, together with any applicable subscription agreement or order form, constitute the entire agreement between you and IDCore regarding the Services.

18. Contact

For questions about these terms, contact us at sales@idcorehq.com