Terms of Service

Terms of Service for InsuranceAgents.com

Effective Date: January 1, 2025

1. Agreement to Terms

By accessing or using InsuranceAgents.com (the "Service"), operated by Intuitive Analytica ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

InsuranceAgents.com provides lead generation and marketing services for insurance professionals. Our services include but are not limited to:

• Insurance lead generation and distribution
• Marketing automation tools
• Customer relationship management features
• Educational resources and training materials
• Communication services including SMS/text messaging

3. User Registration and Accounts

3.1 Account Creation

To access certain features of our Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

3.2 Eligibility

You must be at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

4. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit spam, viruses, or harmful code
• Engage in fraudulent or deceptive practices
• Harass, abuse, or harm other users
• Attempt to gain unauthorized access to our systems
• Use the Service for any unlawful or prohibited purpose
• Resell or redistribute leads without authorization

5. SMS/Text Messaging Terms

By opting in to receive SMS messages:

• You consent to receive automated marketing messages
• Message frequency varies based on your preferences
• Standard message and data rates may apply
• You can opt-out at any time by replying STOP
• For help, reply HELP or contact support
• Carriers are not liable for delayed or undelivered messages

6. Payment Terms

6.1 Fees and Billing

You agree to pay all fees associated with your use of the Service according to the pricing plan you select. All fees are non-refundable unless otherwise stated.

6.2 Payment Processing

Payment processing is handled by third-party payment processors. By providing payment information, you authorize us to charge the applicable fees to your payment method.

6.3 Taxes

You are responsible for all applicable taxes related to your use of the Service, except for taxes based on our net income.

7. Lead Quality and Disputes

7.1 Lead Distribution

We strive to provide high-quality leads but do not guarantee conversion rates or specific outcomes. Lead distribution is based on various factors including geography, license status, and availability.

7.2 Dispute Resolution

Lead quality disputes must be reported within 48 hours of receipt. We will investigate disputes in good faith but reserve the right to make final determinations.

8. Intellectual Property Rights

8.1 Our Property

The Service and its original content, features, and functionality are owned by Intuitive Analytica and are protected by international copyright, trademark, and other intellectual property laws.

8.2 Your Content

You retain ownership of content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and distribute your content in connection with the Service.

9. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the collection and use of your information as described in our Privacy Policy.

10. Disclaimers and Limitations of Liability

10.1 Service Availability

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied. We do not guarantee uninterrupted or error-free service.

10.2 Limitation of Liability

To the maximum extent permitted by law, Intuitive Analytica shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the Service.

10.3 Maximum Liability

Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the amount you paid us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Intuitive Analytica, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of the Service or violation of these Terms.

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting our support team. Termination does not relieve you of payment obligations for services already rendered.

12.2 Termination by Us

We reserve the right to suspend or terminate your account immediately, without prior notice, for:

• Violation of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Actions that harm other users or our reputation

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Maryland.

14. Arbitration

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 where prohibited by law.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified via email or through the Service. Continued use after changes constitutes acceptance of the modified Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full effect.

17. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Intuitive Analytica regarding the use of the Service.

18. Contact Information

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

19. Acknowledgment

By using InsuranceAgents.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.