Last Updated: July 27, 2026
1. Introduction
This AI Use Policy ("Policy") describes how Knack, Inc. ("Knack," "we," "us," or "our") uses artificial intelligence ("AI") technologies in connection with our platform and services. This Policy is incorporated into and forms part of our Terms of Service, and our collection, use, and sharing of data in connection with our AI tools is governed by our Privacy Policy. Where a matter addressed here is also covered by the Terms of Service or Privacy Policy, those documents control.
We believe in being transparent about how we use AI to serve our customers. This document explains what our AI tools do, what they don't do, and what you should know when interacting with them.
2. How Knack Uses AI
We employ AI technologies across several areas of our platform:
Policy Analysis (Ask Kytt)
Ask Kytt is our AI-powered policy analysis tool. When you upload insurance documents, Ask Kytt:
- Reads and interprets your policy documents, including coverage terms, limits, deductibles, exclusions, and endorsements
- Identifies potential coverage gaps and overlapping coverage across multiple policies
- Generates plain-language summaries of complex policy provisions
- Provides recommendations for coverage improvements
Insurance Knowledge Assistant
Our AI-powered chat assistant helps users understand insurance concepts by:
- Answering questions about business insurance topics, coverage types, and industry-specific risks
- Drawing from our curated knowledge base of insurance content
- Providing educational information to help business owners make informed decisions
Quote Generation and Matching
AI assists in our quote process by:
- Analyzing your business profile to identify relevant coverage types
- Matching your needs with carrier products and pricing
- Streamlining the application and underwriting workflow
Platform Operations
We also use AI to support:
- Customer service routing and response assistance
- Fraud detection and prevention
- Analytics and platform improvement
3. Ask Kytt: What You Should Know
Ask Kytt is a core feature of the Knack platform. Here is what you need to understand when using it:
How It Works
When you upload policy documents, Ask Kytt processes them using large language models and specialized insurance analysis logic. The tool extracts structured data from your documents and evaluates your coverage against common standards and best practices for your industry.
What Ask Kytt Is
- An analysis tool that helps you understand your existing coverage
- A starting point for identifying areas that may need attention
- A way to translate complex insurance language into plain English
What Ask Kytt Is Not
- Not a licensed insurance advisor. Ask Kytt does not provide professional insurance advice. Its output is informational and analytical, not a recommendation to purchase, cancel, or modify any specific coverage.
- Not a substitute for professional consultation. For complex coverage decisions, claims situations, or significant policy changes, we recommend speaking with a licensed insurance professional. Our team is available for this purpose.
- Not infallible. AI analysis may not identify every provision, exclusion, or nuance in your policy documents, and results depend on the quality and completeness of the documents you upload.
The warranty disclaimers and limitations of liability set out in our Terms of Service apply to all AI-generated output.
4. Human Oversight
While AI powers many features of our platform, human oversight remains central to our approach:
- Licensed professionals are available to review AI-generated analyses and answer questions about your coverage
- Policy binding and issuance involves carrier underwriting processes that include human review
- Claims support is handled by our team, not by AI alone
- Complex coverage decisions should always involve consultation with a licensed professional
We view AI as a tool that enhances (not replaces) the expertise and judgment of insurance professionals.
5. Your Data and AI
Data you provide through, or that is generated by, our AI tools — including documents you upload, chat conversations, and recordings and transcripts of your interactions with Ask Kytt — is collected, used, and shared as described in our Privacy Policy, and is subject to the license and other terms in our Terms of Service. As described in those documents, this includes using such data to operate, improve, troubleshoot, and train our AI and machine-learning models.
6. Changes to This Policy
We may update this AI Use Policy from time to time as our AI capabilities evolve and as regulations develop. When we make material changes, we will post the updated Policy on our website, update the "Last Updated" date, and notify you through our Services or via email when practicable. Your continued use of our AI-powered tools after changes take effect constitutes your acceptance of the revised Policy.
7. Contact Us
If you have questions about our use of AI, or if you want to report an issue with an AI-generated response, please contact us:
- Email: info@newknack.com
- Mail: Knack, Inc., 201 King of Prussia Road, Suite 650, Radnor, PA 19087