Terms of Service

01 Eligibility

The Platform is built for licensed independent insurance agents in the United States. By signing up, you confirm that:

• You hold a valid insurance license in at least one state.
• You are at least 18 years old.
• You will keep your license, contact information, and credentials accurate and up to date.

02 Your account

You're responsible for your account, your password, and everything that happens under your login. Notify us right away if you suspect unauthorized access. We may suspend or terminate accounts that violate these Terms or applicable law.

03 Subscriptions & billing

Paid plans are billed monthly through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis until you cancel.

• No contracts. Subscriptions are month-to-month and renew automatically.
• Cancel anytime. You can cancel from your dashboard. Cancellation stops future renewals; you keep access through the end of the current billing period.
• Price changes. If we update pricing, we'll notify you at least 30 days in advance. Continued use after the change means you accept the new price.

04 Refunds

We do not offer refunds. Because plans are month-to-month and you can cancel at any time, you control when billing stops. See our Refund Policy for details.

05 Your content & ownership

You grant us a limited license to host, display, and distribute your content as needed to operate the Platform (for example, showing your profile in the agent directory). When you delete content or close your account, that license ends.

06 Acceptable use

You agree not to:

• Post false, misleading, or unlicensed insurance claims.
• Use the Platform to spam, harass, or harm consumers.
• Reverse-engineer, scrape, or interfere with the Platform.
• Upload viruses, malicious code, or content you don't have the right to share.
• Misrepresent your license status, carrier appointments, or service areas.

07 Quote engines & third-party data

Our quote engines display rates and product data from third-party carriers and rate sources. Rates are estimates only, may change without notice, and are not binding offers of insurance. Final premiums and eligibility are determined by the issuing carrier. You are responsible for verifying any quote before binding coverage.

08 Service availability

We work hard to keep the Platform up, but we don't guarantee uninterrupted service. Maintenance, updates, or events outside our control may cause downtime. We're not liable for losses caused by service interruptions.

09 Our intellectual property

The Platform — including the software, design, themes, default content, and branding — is owned by Insurance Storefronts and protected by copyright and trademark law. You may use the Platform for its intended purpose, but you don't acquire any rights to our IP.

10 Termination

You may close your account at any time. We may suspend or terminate accounts that violate these Terms, fail to pay, or expose us or other users to risk. On termination, your subscription stops, your public profile and Storefront are removed, and you may export your data for a reasonable period before deletion.

11 Disclaimers

The Platform is provided "as is" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the Platform will be error-free, that quotes will match carrier-issued policies, or that the Platform will generate any specific business results.

12 Limitation of liability

To the fullest extent permitted by law, Insurance Storefronts and its affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or lost business — arising from your use of the Platform. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim.

13 Governing law

These Terms are governed by the laws of the State of Indiana, without regard to its conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located in Indiana.

14 Changes to these terms

We may update these Terms from time to time. If we make material changes, we'll notify you by email or through the Platform. Continued use after a change means you accept the updated Terms.