this is one of our trade secrets, so I can't discuss the details... this is again a trade secret, but no it's not due to our insurance.
I respect your desire to keep your trade advantages secret, but it may backfire on your adoption rate. I can not imagine how you've solved the issues I've pointed out and thus leave open the possibility of the worst. I will not be using your service nor will I recommend it to others until much time and real-world experience show you can be trusted. I wish you the best and hope you prove my skepticism unfounded.