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Black Assurance

IHVS: Injury and Harm Valuation Standard (read-only standard + local-only evaluation workspace).

Standard scope statement (required): “Black Assurance publishes the Injury and Harm Valuation Standard (IHVS) and a local-only evaluation workspace. This section has no backend: evaluations are saved on your device and can be exported as a portable file. Black Assurance is a valuation standard and tooling section only; it does not provide insurance coverage, underwriting, claim handling, or online case management.”

Language

Start

Choose the standard (read-only) or the evaluation workspace (local-only).

IHVS Standard (read-only) IHVS Evaluate (local-only)

Hard scope boundary

In scope

IHVS standard pages (definitions, taxonomy, brackets, stacking rules, thresholds, indexation, fairness monitoring, governance, changelog).
Local-only evaluation workspace (create/save locally, export/import evaluation files, print report).
Machine-readable implementation files (enumerations, schemas, manifests) that support IHVS consistency.

Out of scope

User accounts, logins, online storage, registries, databases, or server-side data collection.
Insurance products, underwriting, premiums, coverage offers, or claim handling services.
Casework management, evidence hosting, document custody, or investigation portals.
Payment rails, token systems, registries, or unrelated modules.

No-backend, local-only rule

No server-side storage of evaluation data.
No user accounts and no remote database writes.
Evaluations are saved on your device (browser storage and/or export/import files).
Evaluation outputs must record the IHVS version used.