Terms of Use

Effective Date: June 11, 2024 

These Terms of Use specify the terms and conditions for accessing and using our Site and Services. By accessing or using our Site you agree to these Terms of Use and our collection, use, and sharing of your information as described in our Privacy Policy. Please read them carefully. If you do not understand or agree to be bound by these Terms of Use or our Privacy Policy, do not access or use the Site or Services. If you are in breach of these terms and conditions, your right to access and use the Site will cease immediately.

We may amend these terms and conditions at any time without prior notice. You should therefore regularly check our Terms of Use to review the current version, as your continued use of the Site after any updated terms and conditions have been posted constitutes acceptance of the amended Terms of Use. When we post an updated Terms of Use to our Site, we will update the Effective Date at the top of the page to show the most recent date of posting.


The following definitions apply to these terms and conditions.

“you” and “your” means the person using or who wishes to use the Site.

“we”, “us” and “our” means Insurance Decision Technologies, Inc. doing business as HYKE  and its subsidiaries, affiliates, officers, employees, agents, and successors.

“Site” means www.letshyke.com or any application, subdomain, site, or channel that posts a link to this site.

“Services” means any materials, information, products or services provided through the Site.


We will take all reasonable steps to ensure that the Site is available for access at all times. However, from time to time that may not be possible, either because of reasons outside our control, or for routine or emergency updates.

We cannot be held liable if the Site cannot be accessed, or does not function as intended, for any reason. We cannot warrant that the Site will be free of defects or viruses, and you should use appropriate virus-checking software. We will not be responsible for any problems or loss you may suffer as a result of your use of our Site.


You must be 18 years of age or older to access or use the Site and Services. By using the Site and Services, you represent that you are 18 years of age or older.


You may only access and use this Site if you are a resident of the United States of America. If you are not a US resident, you should stop using this Site immediately.


Access to this Site and the Services is provided solely “AS-IS” and without any warranty or condition, express, implied, or statutory. We specifically disclaim any implied warranties of title, merchantability, and fitness for a particular purpose and non-infringement. You assume total responsibility and risk for the use of this Site, the Services, Site content or information, and hyperlinked sites. The Services and information provided by hyperlinked Sites or third parties may be subject to the additional terms and conditions of those providers. Under no circumstances will we be liable or responsible for any loss or damage, however arising, in respect of any third-party guidance, advice, product, or service, or respect of any event, or series of events, outside our reasonable control or force majeure including pandemics, natural disasters, terrorist actions, impossibility of the use of public or private transport, or the acts, decrees, legislation, regulations or restrictions of any government.

We make no warranty that the Site or Service will meet your requirements, or that Service will be uninterrupted, timely, secure, or error-free, nor do we make any warranty as to the results that may be obtained from the use of the Service or Score or as to the accuracy or reliability of any information obtained through the Site or Services or that any defects will be corrected. We will take all reasonable steps to ensure that any information contained on the Site is accurate and up-to-date. However, we cannot be held liable for any loss or damage that may result from any error or omission in the information on the Site, or in its use. Under no circumstances will we be liable or responsible for any loss or damage, however arising, in respect of the content of the Site and/or anything done or omitted to be done wholly or partly in reliance on the content of the Site. We will not be liable for any delay in performing, or failing to perform, our obligations.

We do not warrant that the Service or the servers that make it available or any advertised or hyperlinked site are free of viruses or other harmful components or that the Service, servers, or advertised or hyperlinked sites will be accessible at all times. We make no warranty regarding any goods or services purchased through hyperlinked sites. No advice or information, whether oral or written, obtained by you from us will create any warranty not expressly made herein.

Documents, information, graphics, and other materials appearing on the Site may include technical inaccuracies, miscalculations, typographical errors, and out-of-date information. Use of such documents, information, graphics, or other materials is at your own risk.

We cannot and will not assume any liability for unauthorized or fraudulent use of the Site and Services. By accessing the Site and Services, you agree to hold harmless and waive all claims against us and our related parties regarding the information provided and your use of it. In addition, you agree that under no circumstances will we or our related parties be liable to you for any direct, indirect, incidental, special, consequential, punitive or exemplary damages, even if we have been advised of the possibility of such damages, or for any loss of profits or revenue, including but not limited to loss of sales, profit, revenue, goodwill, or downtime (however arising in tort, contract, or otherwise) regardless of our negligence or whether we knew or should have known of the possibility of such damages. Our entire liability and your exclusive remedy with respect to any dispute or claim related to the Site and Services is your stopping your use of the Site and Services. The limitations of liability provided in these Terms of Use inure to the benefit of us and to all of our respective officers, directors, employees, attorneys, and agents.

You hereby agree to indemnify us from and against any and all claims, liabilities, and expenses (including reasonable attorneys’ fees), resulting from your use of the Site or the Services or any breach of these Terms of Use by you.


You are granted a limited, non-exclusive, non-assignable, non-transferable, revocable license to access and display the content found at this Site on your personal computer or mobile device for your own personal, non-commercial, and educational use.

All information, data, graphics, and material contained on or made available through the Site and Services, including any trademarks, belong to us or our partners and are protected by United States and international intellectual property laws. You may not use or download them, other than for the purpose for which they are provided, without our written permission. Nothing shall be deemed to confer on any person any license or right to reproduce or use any such content.


You agree not to:

– upload or post any virus, files, or programs to the Site designed to interrupt, destroy, or  limit the functionality of any computer software hardware or telecommunications  equipment of the Site; or otherwise take any action that interferes with the operation or security of the Site or Services

– attempt to gain unauthorized access to any portion or feature of the Site or Services, to  any other systems or networks connected to the Site, to any of our servers, or to any of the  Services offered on or through the Site, including but not limited to by hacking, password  “mining,” or any other unauthorized means

– probe, scan, or test the vulnerability of the Site or any network connected to the Site – attempt to breach the security or bypass any authentication measures on the Site or any  network connected to the Site

– use the Site, or any Service or information made available or offered by or through the  Site, in any way where the purpose is to reveal any information, other than your own  information, or the information of a person in which you are legally authorized under  applicable law to manage his or her care (such as a child or parent), or information that we  make available to you through the Site

– attempt to decompile, reverse compile, disassemble, reverse engineer or in any other manner decode all or part of the Score

– attempt to copy, modify, adapt, convert, duplicate, create derivative forms of, mirror, or republish all or any part of the Score or other information on the Site by any means.


We may collect and use data from you to enable us to provide you with the Site or a Service. Please see our Privacy Policy for details on the collection and use of your personal data, as well as an explanation of your rights and other important matters.


You may choose to cease using the Site at any time. In that case, both you and we will remain subject to any obligations that have accrued under these Terms of Use. The Governing Law, Disclaimer Limitation of Liability, and Intellectual Property provisions will survive any such termination or cessation.


We are committed to giving you the best service that we can. If we fall short of that, please let us know and we will attempt to put things right. You can contact us by email at contactus@letshyke.com.


These Terms of Use shall be governed by and construed in accordance with the laws of the State of Delaware without giving effect to any principles of conflicts of law. Courts of the State of Delaware shall have exclusive jurisdiction over all claims or disputes arising out of, or in connection with, the Site, the Services, and these Terms of Use. You hereby submit to the jurisdiction of the state and federal courts sitting in the State of Delaware.


If an arbitrator or legal authority determines that any part of these Terms of Use is illegal or unenforceable, then such part will be eliminated, and the remaining Terms of Use will remain in force and effect and continue to apply to your use of the Site and our Services.


Nothing contained in these Terms of Use or your use of the Site shall be construed to constitute either party as a partner, joint venturer, employee, or agent of the other party, nor shall either party hold itself out as such. Neither party has any right or authority to incur, assume, or create, in writing or otherwise, any warranty, liability, or other obligation of any kind, express or implied, in the name of or on behalf of the other party, it is intended by both parties that each shall remain independent contractors responsible for its own actions.


These Terms of Use and any documents expressly incorporated by reference constitute the entire agreement between us and you pertaining to your use of the Site and Services and supersede all prior agreements, representations, and warranties, both written and oral with respect to the Site or Services.