EffectiveAI Commercial Use License, Version 1.0
Copyright (c) 2026 EffectiveAI. All rights reserved except as granted below.

1. Scope

This license covers the EffectiveAI-owned code and synthetic examples in the
Relativities and RSLC software distributions (the Software). Third-party
components retain their own licenses. Separately obtained carrier raters,
tables, datasets, services and credentials are governed by their own terms;
this license grants no rights to them.

2. Permitted use

EffectiveAI grants you a nonexclusive, worldwide, royalty-free license to
install, copy and execute the Software for your own personal, research and
commercial actuarial work, including insurance operations and professional
services for clients. You may integrate the Software into your internal
systems, configure it, and create and execute your own raters and models.
You may use and share your analysis outputs. EffectiveAI claims no ownership
of your inputs, independently authored raters or models, or analysis outputs.
These permissions do not grant rights in material owned by another party.

3. Unmodified redistribution

You may copy and redistribute the Software unmodified, royalty-free, with
this license and all copyright and third-party notices intact. This permission
expressly includes the Python Software Foundation, PyPI users and public or
private mirroring facilities, without further approval or action. Recipients
receive their rights directly under this license.

4. Reserved rights

Except for the permissions above, a separate written agreement with
EffectiveAI is required to modify or distribute modified versions of the
Software, sublicense it, white-label it, or offer access to its execution
capabilities as a standalone hosted software service. Providing insurance
quotes or professional actuarial analysis is permitted under section 2.
Your independently authored raters, models, integrations and outputs are not
modifications of the Software merely because they use its public interfaces.
No trademark rights or rights to undistributed source code are granted.
Mandatory rights under applicable law and third-party licenses are unaffected.

5. Separate offerings and future versions

This license does not promise support, updates, catalog access or hosted
services. Those may require separate agreements and fees. EffectiveAI may
offer future versions under different terms. Such changes do not change the
permissions granted for a copy already received under this license. There is
no automatic conversion to an open-source license.

6. Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SOFTWARE IS PROVIDED "AS IS",
WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. EFFECTIVEAI AND ITS
LICENSORS SHALL NOT BE LIABLE FOR CLAIMS, DAMAGES OR OTHER LIABILITY ARISING
FROM THE SOFTWARE OR ITS USE, WHETHER IN CONTRACT, TORT OR OTHERWISE.

7. Termination

Your permissions terminate if you materially breach this license and do not
cure that breach within 30 days after written notice from EffectiveAI.
Termination does not terminate the licenses of other compliant recipients.
Sections 1, 4, 5 and 6 survive termination.
