Terms of Service

DRAFT — not legally reviewed. These Terms must be reviewed and finalized by counsel before the public signup flow goes live. Do not deploy with payments enabled until the version below has been reviewed.

1. Agreement

These Terms of Service ("Terms") govern your access to and use of the platform ("Service"), operated by [Legal Entity Name] ("we", "us", "our"). By creating an account or using the Service, you agree to be bound by these Terms. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to both you individually and that organization.

2. Definitions

"Customer" — the consulting firm or other organization that subscribes to the Service.
"Producer" — an individual insurance producer whose data is managed in the Service by a Customer.
"User" — any individual who accesses the Service, whether as Customer staff or as a Producer.
"Customer Data" — data submitted to or generated by the Service on behalf of a Customer or its Producers.

3. Account registration and eligibility

You must provide accurate registration information and keep it current. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. The Service is intended for business use; you may not register on behalf of a minor or use the Service for personal, non-commercial purposes.

4. Subscription, fees, and billing

Paid subscriptions are billed in advance through our payment processor (Stripe). Fees are non-refundable except where required by law or as expressly stated in your order or agreement with us. Pricing for the Service is described on the pricing page and is subject to change with notice. By subscribing, you authorize recurring charges according to your selected plan until you cancel.

5. Acceptable use

You agree not to:

Use the Service in violation of any law or regulation, including state insurance regulations applicable to your business.
Upload data you do not have the legal right to share, including data subject to consent or licensing restrictions you have not satisfied.
Attempt to access another Customer's data, reverse-engineer the Service, or disrupt its operation.
Use the Service to send unsolicited communications or to misrepresent yourself.
Upload Social Security numbers in full. The Service is designed to accept only the last four digits where SSN is collected at all.

6. Customer Data

As between you and us, you retain all rights in Customer Data. You grant us a limited license to host, process, and transmit Customer Data solely to provide and improve the Service, and to comply with law. You are responsible for the accuracy and lawfulness of Customer Data you submit, including obtaining any consents required from Producers.

On termination of your subscription, we will make Customer Data available for export for thirty (30) days, after which we will delete it from active systems. Backups expire on their normal rotation.

7. Intellectual property

We own all rights in the Service, including software, design, branding, and documentation, excluding Customer Data. You receive a non-exclusive, non-transferable, revocable license to use the Service during your subscription. Feedback you provide may be used by us without obligation.

8. Third-party services

The Service uses third-party providers for hosting (Railway), file storage (Cloudflare R2), payments (Stripe), and email (Resend). Your use of the Service is subject to those providers' terms where they apply. We are not responsible for outages or actions of third parties beyond our reasonable control.

9. Disclaimers

The Service is provided "as is" and "as available". We disclaim all warranties to the maximum extent permitted by law, including any warranty of merchantability, fitness for a particular purpose, and non-infringement. We do not provide legal, regulatory, or compliance advice; the Service is a tool to help you manage your own compliance obligations. You are solely responsible for the accuracy of any filings, renewals, or submissions made using information from the Service.

10. Limitation of liability

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenues, even if advised of the possibility. Our total liability arising out of or relating to these Terms will not exceed the fees you paid us in the twelve (12) months preceding the event giving rise to the claim.

11. Term and termination

These Terms apply while you have an account. Either party may terminate for material breach not cured within thirty (30) days of notice. We may suspend the Service for non-payment, for violations of Section 5, or as necessary to protect the Service or other Customers.

12. Changes to these Terms

We may update these Terms from time to time. Material changes will be communicated via email or in-product notice at least thirty (30) days before they take effect. Continued use after the effective date constitutes acceptance.

13. Governing law

These Terms are governed by the laws of [State — TBD], without regard to conflict-of-law principles. Disputes will be resolved in the state or federal courts located in [Venue — TBD], and the parties consent to exclusive jurisdiction there.

14. Contact

Questions about these Terms can be sent to [email protected].