Terms of Service

By accessing or using InsureCRM ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and InsureCRM ("Company," "we," "our," or "us").

We reserve the right to update these Terms at any time. Continued use of the Service after updates constitutes acceptance of the revised Terms.

InsureCRM is a cloud-based customer relationship management (CRM) platform designed for licensed insurance agents. The Service includes tools for lead management, client tracking, pipeline management, commission tracking, automated follow-up sequences, SMS and voice communication, and business performance analytics.

To use the Service, you must:

• Be at least 18 years of age
• Be a licensed insurance professional or authorized representative of one
• Have the legal authority to enter into a binding contract
• Not be prohibited from using the Service under applicable law

By using the Service, you represent and warrant that you meet all eligibility requirements.

You must create an account to access most features of the Service. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activity that occurs under your account

You may not share your account credentials with others or create accounts on behalf of others without authorization.

InsureCRM is offered on a subscription basis. By subscribing, you agree to:

• Pay all fees associated with your selected subscription plan
• Provide valid payment information and authorize recurring charges
• Accept that subscription fees are billed in advance on a monthly or annual basis

Cancellations and Refunds:

• You may cancel your subscription at any time through your account settings
• Cancellations take effect at the end of the current billing period
• We do not provide refunds for partial billing periods
• Upon cancellation, your access to the Service continues until the end of the paid period

We reserve the right to modify pricing with 30 days' notice. Continued use after a price change constitutes acceptance of the new pricing.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable local, state, federal, or international law or regulation
• Use the Service to transmit unsolicited communications (spam)
• Impersonate any person or entity or misrepresent your affiliation
• Upload or transmit viruses, malware, or any malicious code
• Attempt to gain unauthorized access to any part of the Service
• Scrape, crawl, or systematically extract data from the Service
• Use the Service to store or transmit unlawful content
• Reverse engineer, decompile, or attempt to extract the source code of the Service
• Resell or sublicense access to the Service without written authorization
• Use the Service in any way that could damage, disable, or impair it

Violation of this section may result in immediate termination of your account without refund.

You are solely responsible for ensuring your use of the Service complies with all applicable laws and regulations, including but not limited to:

• TCPA (Telephone Consumer Protection Act): You must obtain proper consent before sending automated SMS messages or making autodialed calls to leads or clients
• CAN-SPAM Act: All commercial email communications must comply with CAN-SPAM requirements
• State insurance regulations: You are responsible for complying with all state-specific insurance marketing and communication rules
• CCPA / State privacy laws: If applicable, you must honor data subject rights requests from your leads and clients
• Do Not Call Registry: You are responsible for scrubbing contact lists against applicable Do Not Call registries

InsureCRM is a tool — we provide the platform but you are responsible for how you use it.

Your data: You retain full ownership of all data you input into the Service, including lead information, client records, and business data. You grant InsureCRM a limited license to process and store this data solely to provide the Service.

Our content: InsureCRM owns all intellectual property in the Service, including the software, design, trademarks, and content we create. Nothing in these Terms grants you ownership of our intellectual property.

Data export: You may export your data at any time while your account is active. Upon account termination, we will retain your data for 30 days during which you may request an export, after which it will be deleted.

The Service integrates with third-party platforms including Twilio, Facebook, and others. Your use of these integrations is subject to the terms and privacy policies of those third parties. InsureCRM is not responsible for the availability, accuracy, or actions of third-party services.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or completely secure. We do not warrant that the results obtained from using the Service will be accurate or reliable.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INSURECRM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

You agree to indemnify, defend, and hold harmless InsureCRM and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your violation of any applicable law.

Either party may terminate the relationship at any time:

• By you: Cancel your subscription at any time through account settings
• By us: We may suspend or terminate your account immediately for violation of these Terms, non-payment, or for any reason with 30 days' notice

Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, and limitations of liability.

These Terms are governed by the laws of the United States without regard to conflict of law provisions. Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules, except that either party may seek injunctive relief in a court of competent jurisdiction for intellectual property matters.

You waive any right to participate in class action lawsuits or class-wide arbitration.

For questions about these Terms of Service, please contact us: