Terms of ServicePrivacy Policy
These Terms of Service (the "Terms") govern your access to and use of Whitestance, a Cyber Risk & Insurance Posture Management (CRIPM) platform (the "Service"), operated by Whitestance ("Whitestance," "we," "us," or "our"). By creating an account, subscribing, or using the Service, you agree to these Terms on behalf of yourself and the organization you represent (the "Customer" or "you"). If you do not agree, do not use the Service.
Whitestance is a risk-reduction, assessment, and organization tool. It helps you evaluate and improve your security posture and prepare your own cyber-insurance application. You complete and certify your own answers. Whitestance does not complete, submit, attest to, warrant, or act as your agent for any insurance application, and is not an insurer, insurance producer, or broker.
You must provide accurate account information and are responsible for all activity under your account and for all authorized users you invite. Each organization has an Owner (responsible for billing) and may add administrators and members. You are responsible for managing your users' access and for keeping login credentials secure.
Whitestance does not guarantee insurance approval, any specific premium outcome, or that a security incident will be prevented. Readiness scores are indicators derived from your responses — they are not guarantees of insurability, coverage adequacy, or risk elimination. Whitestance is not insurance, legal, or professional advice. Consult your insurance broker and/or legal counsel regarding your insurance application and coverage.
You are solely responsible for the accuracy and completeness of your answers and anything you submit to an insurer. Insurance applications are warranty documents; inaccurate, incomplete, or misleading responses may result in denial of a claim, rescission of a policy, or loss of coverage. Any output Whitestance generates (including mapped answer sheets, where offered) is a draft for your independent verification and is not a submission.
You agree not to misuse the Service, including: using it for unlawful purposes or to store data you have no right to store; attempting to breach security or access other customers' data; reverse-engineering, scraping, or reselling the Service; or uploading malware. We may suspend or terminate accounts that violate this section.
Whitestance owns the Service, its software, scoring methodology, question and guidance content, and branding. You retain ownership of the data you submit ("Customer Data"). You grant Whitestance a limited, worldwide, non-exclusive license to host, process, and use Customer Data solely to provide and improve the Service, as described in our Privacy Policy.
Your responses describe your security posture and are treated as sensitive. Our collection, use, storage, deletion timeline, and your data-export options are described in the Privacy Policy, which is incorporated into these Terms.
We store Customer Data in an isolated database with access controls and encryption in transit and at rest. No method of storage or transmission is completely secure, and we do not warrant absolute security.
The Service relies on third-party providers (e.g., Stripe for payments, Resend for email, cloud hosting, and, where applicable, AI providers for explanations). Your use of these services is subject to the third parties' terms. We are not responsible for third-party services outside our reasonable control.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.
To the fullest extent permitted by law: (a) Whitestance will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any insurance claim denial, loss of coverage, or lost profits arising from your use of the Service; and (b) Whitestance's total liability for any claim will not exceed the fees you paid to Whitestance in the twelve (12) months preceding the claim.
You will indemnify and hold harmless Whitestance and its affiliates, officers, and employees from any claims, damages, and expenses (including reasonable attorneys' fees) arising out of your Customer Data, your use of the Service, your submissions to insurers, or your violation of these Terms.
These Terms apply for as long as you use the Service. You may cancel your subscription at any time as described above. We may suspend or terminate your access for violation of these Terms or non-payment. Upon termination or expiration, the data export and deletion steps in the Privacy Policy will apply.
We may update the Service or these Terms. We will provide reasonable notice of material changes. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the State of Arizona, without regard to conflict of laws principles. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona.
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Whitestance regarding the Service. If any provision is held unenforceable, the remaining provisions remain in full force. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. Our failure to enforce any provision is not a waiver.
Whitestance — an Equity Solutions Network company
[email protected]
Last updated: July 8, 2026.