Arlo Terms and Conditions of Use
Last Updated May 17, 2025Please read these Terms and Conditions of Use (“Terms”) carefully before using this website or any of Arlo’s services. These Terms are a legally binding agreement between you and Railway Health Inc. dba Arlo (“Arlo”, “we”, or “us”). If you do not agree to these Terms, do not use the website, portal, or services.
1. Who We Are
Arlo is a managing general underwriter (MGU) providing stop-loss insurance quoting services through licensed brokers, reinsurers, and third-party administrators.
This website and associated tools are owned and operated by Railway Health Inc., doing business as Arlo.
2. Acceptance of Terms
By accessing or using Arlo’s website, broker portal, application programming interfaces (APIs), or other digital services (collectively, the “Services”), you agree to these Terms, as well as Arlo’s Privacy Policy (see Section 12).
We may modify these Terms at any time, and continued use constitutes acceptance of any changes.
3. Eligibility
You must be at least 18 years old and legally capable of entering into contracts to use Arlo’s Services.
4. Intellectual Property
All content on the Services—including text, graphics, data, audio, video, software, and other materials—is the property of Arlo or its licensors and is protected under U.S. and international intellectual property laws.
You may not use, reproduce, distribute, modify, or create derivative works of the Materials without Arlo’s prior written permission.
5. License and Restrictions
You are granted a limited, non-exclusive, non-transferable license to access and use the Services solely for lawful purposes and in accordance with these Terms.
You may not:
- Attempt to access areas of the system without authorization;
- Scrape, copy, or harvest data or content;
- Use automated tools (e.g. bots, scripts) to interact with the system without prior consent;
- Interfere with the performance or security of the Services.
6. Broker Portal and API Access
Access to Arlo’s broker portal or APIs (“Platform Services”) is restricted to authorized users for the purpose of submitting census, claims, and other documentation, or obtaining stop-loss quotes.
You agree:
- Not to share login credentials or API keys;
- To use the Platform Services only for authorized quoting purposes;
- Not to attempt to reverse-engineer or disrupt the functionality of these systems.
Arlo may monitor usage and suspend or terminate access for any reason, including suspected abuse.
7. No Medical or Legal Advice
Information provided through the Services is for general informational purposes only. It does not constitute medical, legal, financial, or actuarial advice. You should consult qualified professionals for advice relating to healthcare, insurance coverage, or regulatory matters.
8. Data Collection and Privacy Policy
This section constitutes Arlo’s Privacy Policy:
What We Collect
Arlo collects information necessary for quoting and underwriting, including:
- Employer name and contact information
- Employee census data (age, gender, dependent status)
- De-identified or aggregated claims history
- Files submitted by brokers (e.g., SBCs, prior quotes)
How We Use It
We use the above data for the purpose of generating accurate insurance quotes and improving underwriting models.
Who We Share It With
We may share aggregated or limited data with:
- Reinsurers
- TPAs
- Analytics or infrastructure providers used to operate our services
We do not sell personal information to third parties.
Security Measures
We use commercially reasonable physical, technical, and administrative safeguards to protect the data you share with us.
Your Rights
To request access to or deletion of your data, please emailsupport@joinarlo.com
9. Third-Party Links
Our Services may contain links to third-party sites. Arlo is not responsible for the content or privacy practices of those sites. Access them at your own risk.
10. Warranty Disclaimer
THE SERVICES AND CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. ARLO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.
Some jurisdictions may not allow exclusion of implied warranties, so portions of this disclaimer may not apply to you.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ARLO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR USE.
IN ANY EVENT, ARLO’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
12. Indemnification
You agree to indemnify, defend, and hold harmless Arlo, its affiliates, and its officers, directors, and employees, from and against any claims, liabilities, damages, losses, and expenses (including attorneys’ fees) arising out of your use of the Services, your violation of these Terms, or your misuse of any data obtained through the Services.
13. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.
14. Arbitration and Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
1. Binding Arbitration
Any dispute or claim arising out of or relating to these Terms or the Services shall be resolved by binding arbitration conducted in New York County, New York, under the JAMS Streamlined Arbitration Rules and Procedures. The arbitration shall be conducted in English by a single arbitrator with experience in commercial and technology matters.
Judgment on any arbitration award may be entered in any court of competent jurisdiction.
2. Class Action Waiver
You and Arlo agree to resolve disputes on an individual basis. You waive the right to participate in any class action lawsuit or class-wide arbitration.
3. Exceptions
Notwithstanding the foregoing:
- Either party may bring claims in small claims court;
- Either party may seek injunctive relief for intellectual property misuse in court.
15. Assignment
You may not assign or delegate your rights or obligations under these Terms without Arlo’s prior written consent. Arlo may assign these Terms freely.
16. Miscellaneous
If any part of these Terms is deemed unenforceable, the remainder will remain in effect. Arlo’s failure to enforce any provision will not constitute a waiver. These Terms constitute the entire agreement between you and Arlo regarding the Services.