For insurance
Every policy, checked against the law.
Insurance runs on wording, and wording runs on regulation that keeps changing. Factum checks policy terms, claims files and supplier contracts against the consolidated law and bylaws in force, analyses whole sets at once, and drafts the fix. Attach a photograph of the damage and it searches the whole legislation together with the evidence. All under zero data retention and an ISO/IEC 27001:2022 certified security system.
No credit card required
Security
Policyholder data stays policyholder data
Claims files carry health, financial and personal data. Factum is built so that none of it is retained, reviewed or trained on, and the controls are documented for your compliance function.
Read the security pageZero data retention
Nothing retained, nothing trained on
Factum operates under official zero data retention with an opt-out from Google Gemini abuse monitoring. Nothing your claims or legal team types or uploads is retained for anyone to review, and it is never used to train models.
ISO/IEC 27001:2022
A certified security management system
The information security management system is certified to ISO/IEC 27001:2022, with mandatory code review, vulnerability scanning, patch management and daily backups with point-in-time recovery.
GDPR
EU infrastructure, encrypted end to end
Hosted at Hetzner in Germany and on Google Cloud in the EU. AES-256 at rest, TLS 1.3 in transit, row-level segregation between clients, least-privilege access, and incident notification within 24 hours. SAML single sign-on for enterprise.
Workflow
The work insurers bring to it
Legal, compliance and claims share one platform and one source of law. Each capability is built for a job they already have.
Evidence
Put in the photograph of the damage, and search the law with it
Attach the photo of the damage, the scanned expert report or the claim form, even with no text to extract. Factum reads the image, identifies the legal issue and searches the whole body of legislation together with the evidence, returning the provisions and exclusions that govern the claim, each with its source.
- A photograph or scan as the query, no text needed
- The whole legislation searched together with the evidence
- Provisions and exclusions ranked by how squarely they apply
Compliance check
Check policy wording against the insurance act and its bylaws
Pick the regime — the insurance supervision act, consumer and data-protection law, the supervisor's bylaws or your own checklist — and Factum reviews the wording requirement by requirement, scores it and cites the article behind every flag.
- General and special conditions, product documentation, claims correspondence
- Score per requirement, article behind every flag
- Consumer, data-protection and supervisory rules in one check
Advanced analysis
Analyse a claims file or a whole product line at once
A claims file with reports, photographs and correspondence. A product line with dozens of policy versions. Upload it all and Factum processes the set in parallel, answering the same questions for each document and returning a table your team can act on.
- Parallel processing across the whole set
- Photographs and scans, no text layer needed
- Results as a table, from your documents and the law side by side
Law and bylaws
The supervisor's bylaws, searched alongside the act
Every answer is built on consolidated legislation and returns the exact article and its source. Laws and bylaws are searched together, so a decision, rulebook or guideline that carries the detail is not missed. Where Factum lacks the answer, it says so.
- National law, EU law and bylaws in one search
- Consolidated, current with every amendment
- Sources at the top of every answer and inline
Drafting
Draft the endorsement on your own templates
Select the clause, ask for the compliant wording, and Factum drafts it tied to the governing provision, in Factum or inside Microsoft Word through the official add-in. Your product templates stay yours.
- Compliant wording tied to the provision
- Your own policy and endorsement templates
- Word add-in for the final document
In practice
Ask it the way you would brief outside counsel
Three prompts insurance legal and claims teams run in a typical week.
Check the wording
Check the attached general conditions for motor insurance against the Insurance Supervision Law and the Obligations Law. List every clause that fails, with the article.
Search the law from the photo
This is the photograph of the damage from claim 04471. Search the legislation and tell me which provisions apply, whether an exclusion is triggered, and what we still need from the claimant.
Draft the endorsement
Draft an endorsement to clause 14 so it complies with the amended Personal Data Protection Law, and keep our template wording everywhere else.
Outcomes
What changes for the insurer
Insurance compliance teams describe the same shift: legal research automated, document analysis faster, and the answer arriving with the article.
Zero
policyholder data retained or trained on, under an official zero-data-retention arrangement
Hours
for a full wording or claims-file check that teams tell us used to take weeks
Every flag
comes with the article it rests on, so the finding survives the supervisor's review
Macedonia Insurance AD Skopje – Vienna Insurance Group believes that investing in information and communication technology enhances organizational processes. We strive to use new and innovative solutions that contribute to efficient and effective operations. Law and positive regulations are at the core of our primary activity. Collaboration with Factum AI contributes to the automation of the legal research we urgently need, accelerates the process of analyzing legal documents and regulations, and enables the effective resolution of legal issues we face on a daily basis.
Questions
Questions we hear from insurers
See it on your own documents
A 30-minute walkthrough with the team, in your jurisdiction, on a file you choose.
Yes, within your own policies. Factum is GDPR-aligned, hosted in the EU, encrypted with AES-256 at rest and TLS 1.3 in transit, and operates under zero data retention: nothing in a claims file is retained for review or used for training.
