Bonus KrediBot Wisdoms

Visitor Insurance Policy

 

Insurer: HappyFace Insurance (UIDN 6723 7333 3933)

 

Insured: Tory Spickets (UIDN 2453 7366 9974)

​

Assessment. You must install and activate HealthBot, which generates your Health Score. SecurityBot will assess your Risk Score.​

 

Premium. Paid monthly and updates instantly whenever new data changes your risk profile.

​

Coverage. All health issues arising in Utopia are included, with a 15% deductible.

 

Obligations. You must support yourself and pay all civic debts before they become overdue.

 

Removal. If your Citizenship Score drops below 2.0, you are removed immediately—typically following a conviction or overdue civic debt.

 

Arrest. For any instance of non‑compliance, you consent to immediate, warrantless detention and removal by a HappyFace agent.

​

Deportation costs. If removed, HappyFace reimburses the government for your outstanding civic debt. You remain liable to HappyFace for that debt, all removal‑related charges, and accrued interest, and no company will insure you until these amounts are paid in full.

​

Extensions. This insurance is extended automatically as long as your monthly premiums are paid on time.

​

Data. HappyFace has full access to your data and will publish this policy in the Insurance Registry. All your financial transactions in Utopia will be published in the Financial Registry.