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Pressure-Test
Pressure-test a contract before you sign it
Reads the agreement as the counterparty's litigator two years into a dispute: finds the discretion, the silences, and the unenforceable standards they will exploit, walks three exits, and gives paste-ready fixes ranked by what they protect.
Your prompt
2
Pressure-test it
3
Go deeper
Before you run it
What to gather first
Watch for
What comes back
See an example of what you’ll get
*(After you answer the three questions: worst case is roughly $6M in claims-handling disruption and a regulatory finding, four to six months to migrate off, and pricing is already settled.)*
Where they have permission.
- § 3.4: "Vendor may modify the Service at any time in its sole discretion, provided such modification does not materially degrade core functionality." They define both "materially" and "core functionality." This is a license to change the product you built your intake workflow around.
- § 5.2: Vendor may update the Acceptable Use Policy "from time to time" by posting. Posted terms bind you on notice you will not receive.
- § 9.1: Suspension for suspected breach "immediately and without notice." With a four-to-six-month migration path, suspension is functionally termination.
What the contract does not say.
- Nothing about change of control. § 14 lets Vendor assign to a successor without consent; you may not assign at all. Given a PE-backed Series D vendor in a consolidating space, you may wake up hosting your claims data with a competitor and have no exit.
- Nothing about the format or timing of data return. § 11 says data "will be made available" for 30 days. Available how: a paginated API at 500 records per call? That is not a migration path for four years of claims.
- No insurance requirement anywhere, for a vendor holding regulated policyholder data.
- No survival clause. As drafted, confidentiality and the indemnity end at termination, and their counsel will read it exactly that way.
Standards you could not enforce. "Commercially reasonable efforts" on uptime (§ 6.1) with no metric: to win you would have to prove industry practice through an expert, in an arbitration, against a vendor who will testify their practice is the industry. "Promptly" for security-incident notice (§ 7.3): meaningless against NYDFS's 72-hour clock, which is yours to satisfy, not theirs.
Three exits walked.
- *They terminate for convenience (§ 14.3, 60 days).* Day 1: notice arrives. Day 30: you are still three to five months from a replacement being live and have no contractual right to transition assistance. Day 90: contract is 30 days dead, data available only through the § 11 window, adjusters working manually.
- *They allege your material breach (§ 9.1).* Day 1: suspension without notice; intake stops. Day 30: you are in a cure dispute over an undefined term while your claims backlog is a regulatory problem. Day 90: you are arguing about the cap.
- *Change of control.* Day 1: acquisition announced. Day 30: no consent right, no termination right, no data-segregation commitment. Day 90: your claims data sits with a competitor's affiliate and your only lever is not renewing in year three.
The remedy stack, traced. A 10-day outage causing $2.1M in disruption: § 12.2 caps liability at three months of fees, or $350,000. § 12.3 excludes consequential and indirect damages, and business disruption is where they will put your $2.1M, leaving direct damages of about $180,000 in duplicated staffing. Carve-outs at § 12.4 cover confidentiality breach and indemnity, but not gross negligence or willful misconduct, so even a deliberate shutdown is capped. Indemnity at § 10 is third-party only. No insurance requirement to reach behind the cap. Realistic recovery: $180,000 against $2.1M, after an AAA arbitration that costs you six figures. [UNVERIFIED - whether New York enforces a cap this asymmetric against a regulated entity, and whether the gross-negligence omission survives, needs confirming under New York law.]
Pre-signature fixes.
1. Must-fix: § 12.4 carve-outs. Add: "The limitations in Sections 12.2 and 12.3 shall not apply to Vendor's gross negligence or willful misconduct, Vendor's breach of Section 7 (Security), or Vendor's indemnification obligations under Section 10." This is the single change that moves recovery from $180,000 to something real.
2. Must-fix: § 11 data return. Add: "Upon termination for any reason, Vendor shall provide a complete export of Customer Data in a documented, machine-readable format within 15 days, and shall provide transition assistance at then-current rates for up to 120 days upon Customer's request." Your migration timeline requires it.
3. Trade: § 14 change of control. Add a customer termination right on assignment to a competitor, with 90 days' transition assistance. Worth giving up the audit right you asked for.
4. Trade: § 6.1 uptime. Replace "commercially reasonable efforts" with 99.9% monthly uptime and a service-credit table.
5. Nice-to-have: § 7.3 notice. Replace "promptly" with "within 48 hours of discovery", a full day inside the 72-hour NYDFS clock that is yours to satisfy, not theirs.
What your answers changed. The $6M figure is what made § 12.4 a must-fix rather than a trade. Drop the worst case to $250,000 and a capped, consequential-excluded recovery is roughly proportionate to the harm. The carve-outs become something I would trade for the uptime metric, and the § 11 data-return language would have ranked first instead. The four-to-six-month migration is what made § 11 the second must-fix and what sets the 120-day transition-assistance ask; at a two-week switching cost, § 9.1 suspension without notice is an inconvenience rather than a functional termination, the three exits get walked in days instead of quarters, and data return drops to a nice-to-have. Your "pricing is settled" answer changed nothing here: not one of the five fixes touches price, so the ranking is what it would have been if I had never asked.
Why this prompt is built the way it is
## Framework
1. **Inventory the discretion.** Every "sole discretion," "as it may determine," "reasonably acceptable to," approval right, and post-signature change right, quoted with its section.
2. **Inventory the silences.** Assignment, change of control, data return, key-person or continuity, insurance, survival, audit, effect of termination on prepayments. A silence is a right the other side will claim.
3. **Inventory the unenforceable standards.** "Commercially reasonable," "material," "promptly," "best efforts", and what you would have to prove to enforce each.
4. **Walk three exits on a timeline.** Termination for convenience, alleged material breach, change of control. Day 1, day 30, day 90.
5. **Trace one claim through the remedy stack.** Cap, exclusions, carve-outs, indemnity, insurance, forum: from breach to what actually gets collected.
6. **Read notice and cure as a weapon.** Who notifies, in what form, to what address, in how many days, and what they can do with no notice at all.
7. **Every hole gets paste-ready language**, marked must-fix, trade, or nice-to-have.
8. **Flag where governing law changes the answer** rather than assuming it does not.