Legal
Terms of Service
The plain-language rules for using ryterainc.com and the Rytera dashboard.
Last updated: 2026-09-18 · Effective for ryterainc.com and the Rytera dashboard
What Rytera is
Rytera is underwriting-support software: it reads submissions, checks them against filed rates and state rules, and prepares a decision-ready memo. It does not itself decide, quote, or bind a policy — a licensed underwriter at your organization does, or your organization's own policy admin system does.
Practice mode / shadow mode
Unless your organization has explicitly configured live bind with your own carrier or policy-admin credentials, Rytera runs in practice (shadow) mode: it produces recommendations only, and no policy is issued through it.
Your responsibilities
You are responsible for the accuracy of the data you submit, for maintaining licensed-underwriter sign-off where your jurisdiction requires it, and for keeping your account credentials confidential. You must have the right to submit any customer or applicant data you upload.
Rate and pricing sources
Rytera prices a line only when a real, filed rate source is connected for it. Where a product is shown as "catalog" rather than "live," no price it displays is a bindable quote — see the specific product page for that line's status.
No warranty of fitness for a specific outcome
Rytera is provided to support, not replace, professional underwriting judgment. We do not warrant that any recommendation is free of error, and your organization remains responsible for the underwriting and compliance decisions it makes.
Availability and changes
We may update, suspend, or change features of the service, including during maintenance, and will make reasonable efforts to notify you of changes that materially affect your use.
Termination
Either party may terminate use of the service per the order or subscription agreement in place between us; on termination we will make your organization's data available for export for a reasonable period before deletion.
Governing law
These terms are governed by the laws of the state in which Rytera Inc. is incorporated, without regard to conflict-of-laws principles, unless a signed order form between us states otherwise.
Contact
Rytera Inc. · hello@ryterainc.com
See it on your file
Thirty minutes with a real submission.
Bring one messy broker pack. We run it in practice mode — nothing binds until you say so. You still sign. We show you the memo, the math, and the paper trail.
Prefer email? hello@ryterainc.com