Terms of service

1. The service

IBNR sends you a daily email of job opportunities for actuaries and insurance data scientists, matched to your CV rather than to keywords you configure. The website is the console where you create an account, upload your CV, review the profile extracted from it, and manage your preferences and subscription. The product itself is the email.

We send at most one alert email per day, and only when there is something relevant to send. Every alert email contains a one-click unsubscribe link that pauses alerts without deleting your account.

2. Eligibility and your account

You must provide accurate information when signing up and keep your credentials confidential. You are responsible for activity under your account. The service is intended for professionals managing their own job search; one account per person.

The service currently covers actuarial and insurance data science roles. If the profile extracted from your CV falls outside that coverage, we tell you so and no payment is requested; we may keep your email to let you know when coverage extends to your field.

3. Beta access

During the closed beta, access is granted through invitation codes distributed by us. A code is personal, single-use, and grants access free of charge for the duration of the beta. Beta access does not guarantee any future free access and may be modified or withdrawn as the beta evolves.

4. Subscriptions and payment

When paid plans are enabled, the service is offered as a monthly or annual subscription. Payment is processed by Stripe; we never see or store your card details. Prices are shown before checkout. You can cancel, change plan, or download invoices at any time through the Stripe customer portal linked from your account page. Cancellation takes effect at the end of the paid period.

If you subscribe as a consumer, you have 14 days from the date of subscription to withdraw without giving a reason, by writing to the contact address below. Because the service starts immediately at your request, you owe the price for the days already used, and we refund the rest.

5. Your CV and your data

You keep all rights to your CV. By uploading it you allow us to store it and to process it — including automated extraction of your professional profile — strictly to provide the service. How we store and protect it is described in the privacy policy, which is part of these terms.

You can replace your CV, correct the extracted profile, and delete your account at any time. Deleting your account removes your CV file and your data, as described in the privacy policy.

6. Acceptable use

Do not upload content that is unlawful, that you have no right to share, or that contains malicious code. Do not attempt to probe, disrupt, or gain unauthorized access to the service or to other users' data. Do not resell or redistribute the alerts.

7. No employment guarantee

Alerts are informational. Job opportunities are published by third parties; we do not verify them, we are not a party to any application or hiring process, and we do not guarantee that any alert leads to an interview or a job. Matching is automated and may miss relevant opportunities or include imperfect ones — the feedback links in each email help improve it.

8. Termination

You may stop using the service and delete your account at any time from the account page. We may suspend or terminate an account that breaches these terms, with notice where reasonably possible. Sections that by nature survive termination (liability, governing law) survive it.

9. Liability

To the extent permitted by applicable law, the service is provided as is, and our liability is limited to the amounts you paid for the service in the twelve months preceding the claim. Nothing in these terms excludes liability that cannot be excluded by law. If you use the service as a consumer under French law, the mandatory provisions of the Code de la consommation apply, and nothing in this section limits the rights they give you.

10. Changes to these terms

We may update these terms as the service evolves. If a change is material, we will notify you by email before it takes effect. Continuing to use the service after the effective date means you accept the updated terms.

11. Governing law and contact

These terms are governed by the laws of France. Any dispute that cannot be settled amicably will be brought before the competent French courts. If you use the service as a consumer, you keep the benefit of the mandatory consumer-protection rules and of the courts of your country of residence within the European Union.

Consumer mediation: no consumer mediator has been designated yet; until one is, disputes are handled directly at the contact address below. You may also use the European online dispute resolution platform (ec.europa.eu/consumers/odr).

Questions about these terms: nassim.ezzakraoui@gmail.com.