Kinbasket Insurance Brokers

Kinbasket Insurance Brokers has three documents, all read: a security questionnaire and two Growth tier proposals at £44k a year. None is executed, so no price or terms are contracted. The documents disagree on refresh time zone and service credits.

Executed: no document for Kinbasket Insurance Brokers has a stored status of executed. Contracted price, term, billing and service levels cannot be stated from these records.

Open items: the final proposal of 23 Dec 2025 from Sophie Ling offers the Growth tier at £44k Year 1 subscription and £56k total first-year investment. It asks for a signed copy, and the records do not show one.

The draft Proposal v1 of 18 Dec 2025 carries the same £44k and £56k figures. It is superseded in practice by the 23 Dec 2025 proposal but remains in the Proposals folder.

The £44k matches the v1 Growth list, while both proposals post-date the v2 list of £50k for new business. Both proposals also state a renewal held at £44k.

Contradictions: the security questionnaire of 16 Dec 2025, signed off by Hannah Lowe, offers a credit of 10% of one month's fee for a missed refresh. The 23 Dec 2025 proposal says service credits apply to an availability breach.

The questionnaire states refresh by 07:00 local time, while both proposals name 07:00 Vancouver time. The 23 Dec 2025 proposal states both wordings in its own service terms.

The questionnaire says it remains valid for the term of the contract, which could lead the customer to rely on its freshness credit. Standard Growth terms credit availability only.

Commitments: no live obligations can be recorded, because no executed document exists. Every service level, credit and price above is proposed or descriptive, not binding.

Gaps: all three documents were read, so this roll-up covers the full set held. The records do not show an order form, a signature, a start or end date, or whether Kinbasket accepted either proposal.

AI · claude-opus-5-5 · as at Fri 9 Oct 2026