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Glossary

First mention on each page links here. Nisaba LLC · proof infrastructure · not legal advice.

Exhibit D
NAIC AI Risk Evaluation Supplement decision-point questions carriers answer in the company survey. Pack → · Scan →
NAIC
National Association of Insurance Commissioners — state insurance regulators. Pilot survey closes Sept 30, 2026. Clocks →
PAS
Policy administration system (Guidewire, Duck Creek, etc.) where bind and renewal execute. Velaru integrates at pre-bind gate.
Bind gate
Irreversible policy action blocked until proof receipt and verify URL are present.
Stranger verify
Anyone opens /verify with an entry ID — no login, no trusting the vendor.
entry_id
Permanent public receipt identifier — paste at /verify.
Handler Receipt
Policy frozen before the incident — hash locked in registry before classify or bind.
BYOK
Bring your own key — co-sign every receipt so Velaru cannot forge alone. Trust Pack →
SCITT
IETF transparent statement infrastructure — append-only proof substrate (RFC 9943).
ACS-1
Adversarial co-sign admissibility profile — carrier co-sign on receipts.
FRE 707
Federal Rule of Evidence 707 posture — verification affidavit from Trust Pack.
Art. 50
EU AI Act transparency obligations for certain AI systems — chatbot deployer evidence wedge.
GSE
Government-sponsored enterprise mortgage standards — pre-dispute evidence file.
ALLOW / BLOCK
Velaru gate outcome at commit — both export stranger-verifiable receipts.
ACT / HOLD
Erra signal threshold before commit.
Bind Room
Verra session — Erra + Velaru clear before bind; export leaves with you. Verra →
Renewal copy block
Paste-ready language for renewal packets and PAS pre-bind rules from bind room export.

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