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License Hosting and Data Processing Descriptions

ORIGAMI RISK
SERVICE DESCRIPTIONS AND SERVICE-SPECIFIC TERMS AND CONDITIONS

Effective For Order Forms Executed After March 13, 2025

SUBSCRIPTION/LICENSE DESCRIPTIONS

 

Base Subscription Functionality
Risk Management Information System (RMIS) Includes risk management functionality, including incidents, claims, insurance policy management, locations, and safety
Claims Adjudication Includes claims adjudication functionality
Policy Underwriting and Issuance Includes policy underwriting and issuance functionality
Governance, Risk and Compliance (GRC) Includes GRC functionality, which includes, to the extent selected: Enterprise Risk Management (ERM), Internal Control Management (ICM), Compliance Management, Business Continuity Management (BCM), Internal Audit, Surveys, Vendor Risk Management (VRM), and Policies & Procedures
Environment, Health, and Safety (EHS) Includes EHS functionality, which includes, to the extent selected: General EHS (including incident management, root cause analysis, inspections and audits, safety meetings, location hierarchies, employee tables, and corrective actions and tasks), Process Safety Management (PSM) (including chemicals management, safety data sheets, JSA/JHA, lockout/tagout), Environmental (including environmental permit compliance), and Occupational Health (including IH and Ergonomics management)
Employee Health Includes employee health functionality for tracking hearing and vision assessments, respirator fit tests, TB testing, drug and alcohol testing, physical examinations, radiology, and Covid tests, in addition to tracking vaccinations (e.g., Covid-19, Influenza, and Hepatitis B)
Contract Management Includes functionality for document controls related to contract management, inclusive of a contract repository and the related workflow tools therein
* Origami may offer other base functionality that is not explicitly listed above.
User Licenses
Full User These licenses provide the right for a named individual to access all the capabilities and features of the Service, except those features utilized for adjusting claims such as check writing, setting reserves and calculating indemnity benefits.  These licenses have access to Extended Functionality features to the extent selected.
Light User These licenses provide the right for a named individual to access the dashboard, reports pre-configured for them, and read-only access to other areas of the Service.  Light Users do not have access to Administration features or Extended Functionality features.
Claims Adjusting User These licenses provide the right for a named individual to access all the features and capabilities of the Service, including those features utilized for adjusting claims such as check writing, setting reserves and calculating indemnity benefits.  These licenses have access to Extended Functionality features to the extent selected.
External User Access Licenses
External Portal User These licenses are geared toward Client insured/member/client users.  They will have access to pre-defined dashboards. They will be able to view claims, transactions and notes/tasks and they will be able to run reports utilizing pre-defined report templates. These users will not have access to Administration features or Extended Functionality features.
External Full Access User These licenses are geared toward Client insured/member/client users.  These licenses have access to all the capabilities and features of the Service under the base functionality selected above as outlined by Client, except those features utilized for adjusting claims such as check writing, setting reserves and calculating indemnity benefits.  These users will not have access to Administration features or Extended Functionality features.
External Claims Adjusting User These licenses are geared toward Client insured/member/client users.  These licenses have access to all the features and capabilities of the Service required to adjudicate claims, including those that are not under the care of Client.  These users will not have access to Administration features or Extended Functionality features.
Broker Customer User Licenses
Broker Customer User These licenses are geared toward broker Clients’ customer users.  They will have access to pre-defined dashboards. They will be able to view claims, transactions and notes/tasks and they will be able to run reports utilizing pre-defined report templates. These users will not have access to Administration features or Extended Functionality features.IMPORTANT:If any of the following statements are true, the client will require a “Direct Customer RMIS” as described above:·       Customer is self-administering claims or making payments within the RMIS.

·       The customer requires direct data feed conversion from a TPA or Carrier.

·       The customer requires administration access in Origami Risk.

·       The customer requires its own set of currency conversion rates in Origami Risk.

·       The customer requires the ability for customer users to add claims or incidents to the service above 200 per year.

For clarity, the following table sets forth the functionality available to Broker Customer Users:

 

Enterprise Wide Record Entry Enterprise Values Collection Broker Customer User (Insured)
Non-named user incident reporting YES NO NO
Non-named user values reporting NO YES NO
Dashboard NO NO YES
View claims and associated transactions NO NO YES
Edit claims and associated transactions NO NO NO
View and add tasks and notes NO NO YES
Utilize template reports NO NO YES
Custom template builder NO NO NO
Administration module NO NO NO
Certificate tracking NO NO NO
View allocations & TCOR NO NO YES
Edit allocations & TCOR NO NO NO
Check writing NO NO NO
CMS 111 NO NO NO
Features that require 3rd party agreement NO NO NO
Self-administration of claims NO NO NO
EHS User Licenses
EHS User These licenses provide the right for a named individual to access all the EHS capabilities and features of the Service.  These licenses have access to Extended Functionality features to the extent selected.
EHS Portal User EHS portal allows for either anonymous or named users to input data to the EHS platform using configured portals on tablets or other devices.  Portals can also be configured to retrieve specified records from the platform including but not limited to JSAs, LOTOs, and SDS documentation.
GRC User Licenses
Full User These user licenses provide authorization for the stated number of users to access the base functionality set forth above.
Light User These user licenses have access to the dashboard, reports pre-configured for them, and read-only access to the base functionality set forth above. They do not have access to the Administration features.
Special User These user licenses have access to the dashboard, reports pre-configured for them, and add/edit access to the base functionality set forth above. They do not have access to the Administration features.
Data Entry Licenses
Enterprise Wide Record Entry These licenses are not named licenses and have access only to enter records either by (1) an anonymous collection portal, by clicking an anonymous collection link generated via the administration features in the Service (“Portal Data Entry”) or (2) granting access to a URL sent from the Service as a Data Entry Event email notification, giving time limited access to a single record (“Grant Access”).
Enterprise Values Collection These licenses allow representatives in the field to enter data through the Service’s online platform pertaining to information necessary for renewal submissions, such as TIV, Square Footage, COPE information, or other such asset and exposure data.
Assessments These licenses are not named licenses and have access only to enter records by clicking a link generated by the Service to view a record or conduct an assessment.
Disease and Vaccination Entry Portal These licenses are non-named licenses and have access to add records either by an anonymous collection portal, by clicking an anonymous collection link generated via Origami’s administration features, or via Origami’s mobile forms application to capture only disease related information such as exposure, vaccine data, and testing information. For the avoidance of doubt, these unlimited records are limited to the Vaccination Solution and shall not apply to any other base functionality which may be purchased under a separate Statement of Work.
Extended Functionality Licenses
API Access This license provides access to Origami’s web service REST APIs using calls.  Includes access for up to 5,000 calls per day.  API calls may be made concurrently, subject to reasonable limitation when needed to preserve system performance.  Requires a minimum of five (5) Full Users and/or Claims Adjusting Users.
Secure Email This license provides secure email functionality, which provides password protected hosting for email communications from and to the Service.
OCR Scanning This license provides optical character recognition (OCR) functionality for mapping specified data from scanned documents to data fields within the Service.
Certificate of Insurance Tracking  This license provides certificate of insurance tracking for third party insureds, such as tenants, vendors, contractors or customers.
SMS Messaging This license provides the ability to send and receive SMS messages as workflow actions within the Service’s administration features.Client agrees to use the Twilio services in accordance with the Twilio Terms of Service set forth at https://www.twilio.com/legal/tos.  In no event shall Origami be responsible or liable for any acts or omissions of Twilio.  Client hereby consents to Origami providing Twilio with its data to the extent necessary to perform such services.  If the relationship between Origami and Twilio is terminated during the term of the Order Form, Origami shall provide prompt written notice to Client and the Twilio services under the Order Form shall be terminated as of such date (and Origami will provide a refund to Client of any prepaid and unused fees for the Twilio services).
Two Factor Authentication This license provides the ability to send SMS and/or email messages to users to validate their identity before logging in from a new device and/or once every 30 days from the same device.
Mobile Forms App This license may be used by any named user for no additional license fee, but service hours are required for configuration.
Mobile Claimant App This license may be used by any named user for no additional license fee, but service hours are required for configuration.  Requires a minimum of three (3) Claims Adjusting Users.
Workers’ Compensation Solutions This license includes the following Origami Compliance solutions (this functionality is only available to Claims Adjusting Users):·  Automated EDI FROI/SROI State Reporting via Mitchell·  Indemnity Benefits Rates·  Workers’ Compensation State Forms

This license gives access to Origami’s interface with Mitchell for the purpose of state workers’ compensation reporting.  Pursuant to this license, Origami will provide its First Reports of Injury (“FROI”)/Subsequent Reports of Injury (“SROI”) Automation Module within the Service to facilitate tracking and reporting of FROI and SROI related data, configured on a per-state basis; and will allow Client to maintain and process claim and transactional data for submission to states via Electronic Data Interchange (“EDI”).  Origami’s interface with Mitchell allows for the creation, validation and submission of First Report of Injury submissions.   Origami’s interface will receive a file back noting any exceptions, driving adjuster notifications and workflow.

EDI FROI/SROI Reporting via Mitchell is a subscription service which requires a separate agreement with Mitchell. Client understands that Origami is providing an interface with Mitchell and that Mitchell will provide its services pursuant to an agreement between Client and Mitchell.  Origami makes no representations or warranties with respect to Mitchell’s services and in no event shall Origami be responsible or liable for any acts or omissions of Mitchell.  Origami’s automated EDI FROI/SROI solution requires the Client to utilize Origami’s standard EDI FROI/SROI functionality and layouts, including EDI related claim fields, codes, financial buckets, and financial categories. If the agreement between Origami and Mitchell is terminated during the term of the Order Form, Origami shall provide prompt written notice to Client, and the Mitchell services under the Order Form shall be terminated as of such date (and Origami will provide a refund to Client of any prepaid and unused fees for the Mitchell services). Origami will only support this feature in an ongoing phase if no modifications to these areas have been made.
ODG Integration User This license provides integration with ODG’s Return to Work guidelines. Only Claims Adjusting Users and Full Users may utilize this feature. This feature queries ODG’s RTW and treatment guidelines based on WC claim diagnosis codes.Client understands and agrees that Origami makes no representations or warranties with respect to the data provided by ODG.  In no event shall Origami be liable for any damages in connection with data provided by ODG or for any acts or omissions of ODG.  If the relationship between Origami and ODG is terminated during the term of the Order Form, Origami shall provide prompt written notice to Client and the ODG services under the Order Form shall be terminated as of such date (and Origami will provide a refund to Client of any prepaid and unused fees for the ODG services).
Tableau This license allows users to access Tableau within the Service, providing enhanced data visualization.Client understands and agrees that Tableau shall have no warranty, support or other obligation or liability to Client.  Client understands and agrees that data contained in Tableau data visualizations is not restricted by Origami’s permissions and that Client is responsible for ensuring that any such data visualizations are shared only with appropriate users.  If the relationship between Origami and Tableau is terminated during the term of the Order Form, Origami shall provide prompt written notice to Client and the Tableau services under the Order Form shall be terminated as of such date (and Origami will provide a refund to Client of any prepaid and unused fees for the Tableau services).
eSignature Integration This license provides the ability to tag mail merge documents with electronic signature fields, authenticating through a third-party eSignature tool (currently DocuSign).In no event shall Origami be responsible or liable for any acts or omissions of DocuSign.  Client hereby consents to Origami providing DocuSign with its data to the extent necessary to perform such services.  If the relationship between Origami and DocuSign is terminated during the term of the Order Form, Origami shall provide prompt written notice to Client and the DocuSign services under the Order Form shall be terminated as of such date (and Origami will provide a refund to Client of any prepaid and unused fees for the DocuSign services).
TCOR AI Analytics TCOR AI Analytics provides the ability for users to create standard and custom visualizations of their TCOR data using natural language prompts. Use of TCOR AI Analytics is subject to the Additional Terms and Conditions for AI Functionality set forth at www.origamirisk.com/servicedescriptions.
Argos Risk This license is subject to the following End User Terms:1.               You (the End-User) acknowledge that all information (the “Information”) furnished by Argos Risk, LLC (“Company”) is licensed for the exclusive use of End-Users. You acknowledge that some of the Information provided to you may have been provided to Company by Third-Party Information Providers, such as Argos Risk, LLC. Regardless of the form or format in which the Information is furnished, none of the Information provided to you may be made available by you in whole or in part to any third party. You agree that you will not duplicate any magnetic tapes, disks, diskettes and other machine-readable media in any form or manner whatsoever, except that you may make one copy solely for backup purposes. You are expressly prohibited from using the Information as a factor in establishing an individual’s eligibility for (i) credit or insurance to be used primarily for personal, family or household purposes, or (ii) employment. You agree not to use the Information to engage in unfair or deceptive practices.2.               You agree to indemnify, defend, and hold harmless Company and its Third-Party Information Providers from any claim or cause of action against Company or its Third-Party Information Providers arising out of or relating to use of the Information by (i) individuals or entities which have not been authorized by this Agreement to have access to and/or use the Information and (ii) you, which use may be in violation of your license.3.               You represent and warrant that your use of any Information shall in all cases comply with all applicable federal, state and local laws and regulations and that all mail or other marketing programs using any Information shall conform to generally recognized standards of high integrity and good taste.

4.               You acknowledge that Company and its Third-Party Information Providers make no representations or warranties of any kind with respect to the Information, including but not limited to, the accuracy, completeness, timeliness, merchantability or fitness for a particular purpose of the Information or of the media on which the Information is provided and you agree that Company and its Third-Party Information Providers shall not be liable to you for any loss or injury arising out of or caused, in whole or in part, by Company’s negligent acts omissions in procuring, compiling, collecting, interpreting, reporting, communicating or delivering the Information.

5.               You agree that Company and its Third-Party Information Providers will not be liable for consequential, incidental, special, punitive, or other indirect damages, even if advised of the possibility of such damages. You also agree that Company’s and its Third-Party Information Providers’ aggregate liability, if any, for any and all losses or injuries to you arising out of any acts or omissions of Company in connection with a particular order or service, regardless of the cause of the loss or injury (including negligence) and regardless of the nature of the legal or equitable right claimed to have been violated, shall never exceed the amount paid by you for the Information furnished pursuant to such order or service or $5000, whichever is greater, and you covenant and promise not to sue Company for an amount greater than such sum. You also agree to give Company immediate written notice of all actions, claims, losses, or damages arising out of the licensing or use of the Information.

6.               You acknowledge and agree that the Information is proprietary to Company and comprises: (a) works of original authorship, including compiled information containing Company’s selection, arrangement and coordination and expression of such information or pre-existing material it has created, gathered or assembled; (b) confidential and trade secret information; and (c) information that has been created, developed and maintained by Company at great expense of time and money, such that misappropriation or unauthorized use by others for commercial gain would unfairly or irreparably harm Company. You agree that you will not commit or permit any act or omission by your agents, employees, or any third party that would impair Company’s copyright or other intellectual property rights or proprietary rights in the Information. You will not use any Company trade names, trademarks, service marks or copyrighted materials in listings or advertising in any manner without the prior written approval of Company. You shall reproduce Company’s copyright notice and proprietary rights legend on all authorized copies of such Information.

7.               You acknowledge and agree that Company shall be allocated and limited to the number of accounts monitored and you may change the accounts monitored at any time provided you do not change more than ten percent (10%) of your accounts in any twelve (12) month period. You agree business entities for which a report is viewed will be counted as an account being monitored and if you wish to monitor accounts or view one-time reports above the ten percent (10%) limit, you agree to increase the Subscription Level or purchase the right to view one-time reports.

8.               You agree that this Agreement is entered into between yourself and Company for the benefit of Company and the Third-Party Information Providers and that the Third-Party Information Providers are third-party beneficiaries hereof. You agree that Company may, in its own name or in the name of is Third-Party Information Providers enforce this Agreement against you; provided, however, that you agree that you will look only to Company and not to the Third-Party Information Providers for performance by Company of its obligations hereunder.

9.               Upon expiration or termination of an order with respect to particular Information, you shall immediately delete, destroy or return all originals and copies of any Company Information, unless you are otherwise instructed by Company or the Argos Risk; and upon request, provide Company with certification thereof.
STP ComplianceEHS Pass-Through Client hereby agrees to be bound by the STP ComplianceEHS End User License Agreement located at www.stpub.com/wp-content/uploads/End-User-License-Agreement-2024.pdf.  In no event shall Origami be responsible or liable for any acts or omissions of STP Publications Limited Partnership DBA STP ComplianceEHS (“STP ComplianceEHS”).  Client hereby consents to Origami providing STP ComplianceEHS with its data to the extent necessary to perform such services.  If the relationship between Origami and STP ComplianceEHS is terminated during the term of this SOW, Origami shall provide prompt written notice to Client and the DocuSign services under this SOW shall be terminated as of such date (and Origami will provide a refund to Client of any prepaid and unused fees for the STP ComplianceEHS services).

Subscription Notes: 

  1. Origami adds generally available features from time to time that may require configuration prior to use. If Client requests Origami’s assistance in this configuration, Origami may require support hours or professional service hours for any such configuration.
  1. In addition to the generally available features, Origami may occasionally deploy new functionality that will require a separate license. These features may require additional fees based on record volume, number of additional users accessing the new features, or some other incremental cost driver. Client may agree to add such a new license in an Order Form.

 

HOSTING AND CLOUD MANAGED SERVICES

 

Origami will host the application and data and will back up Client Data at periodic intervals each day as set forth in the Service Level Agreement.

ADDITIONAL PRODUCTION TENANT

If Client has purchased an additional production tenant, the following terms and conditions apply:

  • Upon Client’s request (no more often than once in any three-month period), Origami will refresh the additional tenant with data from Client’s live tenant.
  • Upon Client request, additional refreshes can be requested and will erode Client Support hours.
  • Origami’s Service Level Agreement does not apply to additional production tenants.
  • Any data manipulation or transition of configuration between the environments will erode Client Support hours.

PRE-PRODUCTION ENVIRONMENT

If Client has purchased a tenant in the pre-production environment (the “Pre-Prod Environment”), the following terms and conditions apply:

  • Grant of Access. Subject to the Agreement, Origami grants the Client access to the Pre-Prod Environment solely for the purpose of evaluating upcoming updates and features in a non-production setting.
  • Monthly Code Releases. The Pre-Prod Environment will receive new beta code on a monthly basis. This code release will occur in conjunction with the monthly update release, which will include release notes detailing the changes and improvements.
  • Automatic Code Updates. Client acknowledges that all updates to the Pre-Prod Environment will be applied automatically by Origami.
  • No SLA. Any Service Level Agreement contained in the Agreement is not applicable to the Pre-Prod Environment. Origami does not guarantee any specific level of performance, availability, or support for this environment.
  • Additional Restrictions. In addition to the restrictions set forth in the Agreement, the Client is permitted to conduct testing only within their specific environment in the Pre-Prod Environment. No testing or evaluation of the system as a whole or other clients’ environments is allowed.

Termination; Suspension

  • Discontinuation. Origami reserves the right to discontinue the provision of the Pre-Prod Environment at any time and for any reason without prior notice. If Origami discontinues the provision of the Pre-Prod Environment, it will provide a refund of any prepaid but unearned fees paid by Client for the Pre-Prod Environment.
  • Suspension or Removal of Access. Origami may suspend or remove the Client’s access to the Pre-Prod Environment at its sole discretion if the Client breaches the terms and conditions for the Pre-Prod Environment.

 

DISCLAIMER OF WARRANTIES. THE PRE-PROD ENVIRONMENT IS PROVIDED “AS IS” AND AS AVAILABLE, EXCLUSIVE OF ANY WARRANTY WHATSOEVER. ORIGAMI (1) MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, WITH RESPECT TO ANY MATTER, INCLUDING ANY REPRESENTATION THAT THE PRE-PROD ENVIRONMENT WILL BE UNINTERRUPTED OR ERROR-FREE, AND (2) EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OR CONDITIONS OF NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR ANY PARTICULAR PURPOSE. THE PRE-PROD ENVIRONMENT IS PRELEASE, IS EXPECTED TO CONTAIN DEFECTS, SOME OF WHICH MAY BE MATERIAL, AND IS NOT EXPECTED TO OPERATE AT THE LEVEL OR PERFORMANCE OR COMPATIBILITY OF A FINAL, PUBLICLY AVAILABLE PRODUCT OFFERING. IN NO EVENT SHALL ORIGAMI BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE OF OR INABILITY TO USE THE PRE-PROD ENVIRONMENT.

DATA PROCESSING

 

Origami will process the claims data received from Client data providers and maintain import and/or export routines and schedules with third parties as indicated in the applicable Order Form.

In connection with these data processing activities, if any, Client agrees that it will:

 

  • Use tools in the Service to resolve exceptions, if any, such as missing locations, incomplete code maps, and other exceptions, which may occur in the update as a result of data errors or missing data from data providers.
  • Notify Carrier / TPA of data exceptions when appropriate to have data corrected at source.
  • Ensure the ongoing performance of import and export responsibilities of each 3rd party system.

 

ADDITIONAL SERVICES

Additional subscriptions, users, hosting or other use beyond that which is listed in the Order Form shall require additional fees. Origami shall invoice Client, and Client shall pay for any additional licenses, hosting, service hours or other usage in excess of what is specified in the applicable Order Form.  All such fees will be at Origami’s then-current rates.  If needed, additional services can be purchased through an Order Form or Statement of Work, as applicable.