Effective Date: July 23, 2026

These Terms of Service (“Terms”) govern use of the website located at arcusaisolutions.com (the “Site”) and the general services described on the Site, offered by Arcus AI Solutions LLC, an Oklahoma limited liability company (“Arcus,” “we,” “us,” or “our”). By visiting the Site, requesting a demo, scheduling a strategy call, or otherwise engaging with Arcus, you (“you” or “Client”) agree to these Terms.

These Terms describe our general website and service terms. They do not set prices, service duration, cancellation terms, or other service-specific details for any particular client. Where Arcus and a client enter into a separate order form, statement of work, or service agreement, that signed document controls pricing, contract term, cancellation, renewal, and service-specific commitments. If there is a conflict between these Terms and a signed order form or service agreement, the signed agreement controls for that client’s engagement.

1. About Arcus and Riley

Arcus provides AI-powered voice and messaging tools for businesses, including an AI voice receptionist product referred to as “Riley.” Riley is designed to answer calls, gather basic information, answer general questions, and route callers appropriately.

Riley is an AI system, not a human employee, and not a licensed professional. Riley can make mistakes, misunderstand callers, or provide incomplete or incorrect information. Arcus works to reduce these risks but cannot guarantee that every interaction with Riley will be error-free.

AI Disclosure

Riley is programmed to identify itself as an AI receptionist or AI assistant near the beginning of each call. Callers should not be left uncertain about whether they are speaking with a person or an AI system. Where a live person is available and appropriate for the caller’s need, Riley is designed to offer a path to reach a human, or to take a message for human follow-up.

Call Recording and Transcription

Calls handled by Riley may be recorded and/or transcribed only after notice or consent sufficient to satisfy applicable law has been given to the caller. Whether a specific call is recorded, the purpose of recording, how long recordings and transcripts are kept, and who may access them are addressed in our Privacy Policy. If a caller does not want to be recorded, Riley is designed to attempt to accommodate that preference where legally required and operationally possible, which may include declining to record while still assisting the caller.

2. Insurance-Specific Limitations on Riley

If Riley is deployed on behalf of an insurance agency or similar licensed business, the following limitations apply and are considered a core part of how Riley operates:

• Riley does not provide insurance advice or recommend, evaluate, or determine eligibility for any specific coverage.

• Riley does not quote, bind, issue, modify, renew, or cancel any insurance policy.

• Riley does not issue proof of insurance, insurance ID cards, or certificates of insurance.

• Riley does not make coverage or claims decisions, does not adjust or handle claims, and does not promise that any loss or claim is or will be covered.

• Riley does not represent itself as a licensed insurance agent, producer, broker, or adjuster, and does not have authority to bind the agency or any insurance carrier.

• Riley’s role is limited to receptionist-style functions: answering calls, collecting agency-approved intake information, scheduling, answering general non-advisory questions, and routing calls to licensed agency personnel or the appropriate carrier contact.

Claims and emergencies: Riley is not equipped to evaluate, process, or resolve insurance claims. Callers reporting a claim will be directed to the appropriate agency contact, carrier claims line, or other resource identified by the agency. Callers describing an emergency, active loss, injury, or situation involving immediate danger will be directed to call 911 or other appropriate emergency services first, and then to contact their insurance carrier or agency as needed. Riley is not a substitute for emergency services and should never be relied on in an emergency.

All coverage, binding, policy, and claims decisions are made exclusively by licensed agency personnel or authorized carrier representatives — never by Riley or by Arcus.

3. Website Use

You agree to use the Site only for lawful purposes and in a manner consistent with these Terms. You agree not to:

• Misuse the Site to transmit harmful code, spam, or unlawful content;

• Attempt to interfere with the Site’s operation or security;

• Use the Site to impersonate any person or entity; or

• Use automated means to scrape or extract data from the Site without our consent.

You must be at least 18 years old and legally capable of entering into a contract to use the Site or request services. If you act for a business, you represent that you have authority to bind that business.

3A. Client Responsibilities and Prohibited Uses

If you use Riley or another Arcus service for your business, you are responsible for the lawfulness and accuracy of the content, scripts, instructions, routing destinations, disclosures, contact lists, and business information you supply or approve. You must maintain all licenses and permissions required for your business and must not direct Arcus or Riley to:

• Conceal that Riley is an AI system or falsely present Riley as a licensed person;

• Give regulated insurance, legal, medical, financial, or other professional advice;

• Quote, bind, change, cancel, or issue insurance coverage, make claims or coverage decisions, or perform an activity requiring an insurance license;

• Record or monitor communications without legally sufficient notice or consent;

• Place calls or send texts without the consent, identification, opt-out, registration, or other requirements imposed by applicable law;

• Use purchased, scraped, or unlawfully obtained contact lists;

• Collect information that is unnecessary for the approved receptionist workflow, including Social Security numbers, complete payment-card numbers, account passwords, or detailed medical records; or

• Use Riley as an emergency line, claims-reporting system, or substitute for 911, an insurer’s claims line, or licensed agency staff.

Clients are responsible for reviewing Riley’s approved scripts and workflows before launch, monitoring deployed services, maintaining a working human escalation path where promised, and promptly correcting inaccurate business information. Deployment-specific responsibilities, security requirements, and allocation of risk belong in the signed client agreement and any data-processing agreement.

3B. Privacy, Consent, and Communications Compliance

Our Privacy Policy, Data Deletion Policy, and SMS Terms & Conditions describe related practices and are incorporated into these Terms where applicable. Each party must comply with the privacy, call-recording, telemarketing, texting, consumer-protection, insurance, and data-security laws that apply to its own activities. Because calls and texts may cross state lines, the law of the person receiving the communication may apply even when Arcus or the client is located in Oklahoma. A client’s signed agreement should specify who is responsible for providing notices, collecting and documenting consent, honoring opt-outs, and responding to privacy requests for that deployment.

3C. Suspension

Arcus may suspend access to a service when reasonably necessary to address a security risk, suspected unlawful use, nonpayment under a signed agreement, material harm to Arcus or a third party, or a violation of these Terms. Where practical, Arcus will give notice and an opportunity to cure. Suspension and termination rights for paying clients are controlled by the signed service agreement.

4. Demo Calls and Strategy Calls

The Site may allow visitors to request a demonstration call with Riley or to schedule a strategy call with Arcus personnel. By submitting a request, you consent to Arcus or Riley contacting you at the phone number and/or email you provide for purposes related to your request. Any recording of a demo call is governed by the recording notice described in Section 1 and our Privacy Policy. Requesting a demo or strategy call does not create a service agreement and does not obligate you to purchase any service.

5. No Guarantee of Availability or Performance

Arcus services depend on third-party infrastructure, including telephony carriers, AI model providers, messaging platforms, and cloud hosting providers. Outages, degraded performance, or errors originating from these third parties are outside our control. We do not guarantee uninterrupted availability of the Site, Riley, or related services, and we are not liable for outages or errors caused by third-party providers.

Any performance figures, examples, or estimates described on the Site (such as potential call volume handled, response times, or similar figures) are illustrative estimates only, not guarantees, and actual results will vary based on your business, configuration, and circumstances.

6. Confidentiality

Each party agrees to use reasonable care to protect confidential, non-public information received from the other party in connection with these Terms and to use it only for the purpose of evaluating or receiving Arcus’s services, except as required by law or as otherwise agreed in a signed service agreement.

7. Intellectual Property

The Site, Riley, and all related software, content, trademarks, and materials are owned by Arcus or its licensors. Nothing in these Terms transfers ownership of any Arcus intellectual property to you. You may not copy, modify, reverse-engineer, or create derivative works from Arcus’s technology except as expressly permitted in a signed service agreement.

8. Disclaimers and Limitation of Liability

The Site and general information provided on it are offered “as is” without warranties of any kind, express or implied, to the fullest extent permitted by law. Nothing on the Site constitutes legal, financial, insurance, or professional advice.

To the fullest extent permitted by applicable law, Arcus’s total liability arising out of or related to the Site or these Terms will not exceed the amount actually paid by you to Arcus for the specific service giving rise to the claim in the twelve (12) months preceding the claim, except where a signed service agreement states a different limitation. Arcus is not liable for indirect, incidental, special, or consequential damages arising from use of the Site or general services described here.

Nothing in these Terms limits liability that cannot be limited under applicable law. Any warranty disclaimer, damages exclusion, or liability limit applies only to the extent permitted by law and does not exclude liability that legally cannot be waived or limited.

8A. Indemnification for Client-Controlled Conduct

To the extent permitted by law, a business client agrees to defend, indemnify, and hold harmless Arcus and its personnel from third-party claims, damages, penalties, and reasonable costs arising from: (a) content, scripts, contact lists, instructions, representations, or data supplied or approved by that client; (b) that client’s violation of law, license requirement, privacy right, recording requirement, or messaging-consent obligation; or (c) use of a service outside its documented or agreed scope. This obligation does not apply to the extent a claim was caused by Arcus’s gross negligence, willful misconduct, or breach of a signed agreement. Any different indemnification terms in a signed service agreement control.

9. Order Forms and Service Agreements Control Service Terms

Specific service details — including pricing, minimum contract term, renewal, cancellation notice requirements, service levels, and deployment-specific configurations (such as recording settings, SMS programs, or data handling for a particular client) — are set out in a separate signed order form or service agreement between Arcus and the client. These Terms provide general background and do not modify or supersede the terms of any signed agreement.

10. Changes to These Terms

We may update these Terms from time to time. The “Effective Date” above reflects the most recent revision. Continued use of the Site after changes take effect constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law principles, except where applicable federal law controls.

12. General Terms

If any provision of these Terms is held unenforceable, it will be limited or removed only to the minimum extent necessary, and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver. You may not assign rights under these Terms without Arcus’s prior written consent; Arcus may assign these Terms in connection with a merger, acquisition, reorganization, or sale of substantially all relevant assets, subject to applicable law. Headings are for convenience only.

These Terms, together with the policies referenced here and any signed service agreement, are the entire agreement concerning their stated subject matter. Electronic acceptance and signatures may be used to the extent permitted by law.

13. Contact Us

Arcus AI Solutions LLC Tecumseh, Oklahoma United States

Email: [email protected] Phone: (405) 500-1288 Website: arcusaisolutions.com