1. Introduction
Welcome to InsuraTec LLC (“InsuraTec,” “we,” “our,” or “us”).
These Terms and Conditions (“Terms”) govern your access to and use of our websites, applications, platforms, and related digital products (collectively, the “Services”). By using our Services, you agree to these Terms. If you do not agree, please discontinue use immediately.
Our Services are designed to empower independent insurance agents, agencies, and carriers through technology-driven tools that streamline operations and enhance transparency. Because we value integrity and user trust, we require all users to engage with our Services in compliance with these Terms and applicable laws.
2. Eligibility
By accessing or using our Services, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and legally capable of entering into binding contracts. You may not use our Services if you are prohibited from doing so under applicable law.
3. Use of Services
You agree to use our Services only for lawful purposes and in accordance with these Terms. You may not:
- Use the Services in a way that violates any local, state, national, or international law or regulation.
- Attempt to gain unauthorized access to any portion of our systems or networks.
- Copy, distribute, modify, or reverse engineer any part of our technology without written permission.
- Use automated systems, bots, or data-scraping tools to extract information without authorization.
We reserve the right to suspend or terminate access to any user who violates these Terms or interferes with the integrity of our Services.
4. Account Registration
Certain Services may require you to create an account. You agree to provide accurate, complete, and current information and to maintain the confidentiality of your credentials.
You are responsible for all activity under your account. If you suspect unauthorized access, you must notify us immediately.
5. Intellectual Property Rights
All content, features, and functionality on the InsuraTec platform—including but not limited to software, trademarks, text, graphics, logos, icons, videos, and documentation—are the property of InsuraTec LLC or its licensors and are protected under U.S. and international copyright, trademark, and intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to use the Services for their intended purpose. You may not reproduce, modify, distribute, or create derivative works without express written consent.
6. Third-Party Links and Integrations
Our Services may include links or integrations to third-party platforms such as Google Calendar or partner agency portals. These are provided for your convenience. InsuraTec does not control or endorse third-party sites and is not responsible for their content, security, or privacy practices.
Use of third-party tools is at your own risk, and any data shared through such services is subject to their respective terms and privacy policies.
7. Data and Privacy
Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information. By using our Services, you consent to our data practices described therein.
8. User Content
If you upload, post, or submit any information, text, or media (“User Content”), you grant InsuraTec a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute that content as necessary to operate and improve our Services.
You retain ownership of your User Content, but you are solely responsible for ensuring it does not violate laws, infringe intellectual property rights, or contain malicious code.
9. Software and API Usage
InsuraTec may provide API access or software integration for business use. You agree not to:
- Circumvent API limits or access controls.
- Resell or sublicense our API without written consent.
- Interfere with data flow between our systems and integrated partners.
We may modify or discontinue API features at any time with or without notice.
10. Notice of Modifications to Services
We may modify or discontinue any part of the Services at any time, with or without notice, including by adding or removing features, integrations, or access restrictions. Continued use of the Services after such changes constitutes acceptance of those modifications.
11. Disclaimers
Our Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied.
InsuraTec does not guarantee uninterrupted access, error-free functionality, or that defects will be corrected. We disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement.
12. Limitation of Liability
To the fullest extent permitted by law, InsuraTec, its affiliates, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Services.
Our total aggregate liability for any claim will not exceed the amount you paid (if any) to access our Services in the 12 months preceding the claim.
13. Indemnification
You agree to indemnify, defend, and hold harmless InsuraTec and its officers, employees, agents, and affiliates from and against any claims, damages, liabilities, costs, or expenses (including reasonable attorney fees) arising from your use of the Services, your violation of these Terms, or infringement of any third-party rights.
14. Termination
We may suspend or terminate your account or access to the Services at our discretion, without notice, if we believe you have violated these Terms or engaged in conduct harmful to our platform or users.
Upon termination, your right to use the Services will cease immediately, and certain sections (such as Intellectual Property, Limitation of Liability, and Indemnification) will survive termination.
15. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law provisions.Any disputes arising from or related to these Terms will be resolved exclusively in the state or federal courts located in Duval County, Florida.
16. Severability
If any provision of these Terms is held invalid, the remaining provisions remain in effect.
17. Entire Agreement
These Terms constitute the entire agreement between you and InsuraTec and supersede prior understandings or agreements, whether written or oral, relating to the subject matter herein.
18. Waiver
Failure by InsuraTec to enforce any right or provision under these Terms shall not constitute a waiver of that right or provision.
19. Assignment
InsuraTec may assign its rights and obligations under these Terms without restriction or notice to you. You may not assign your rights or obligations without prior written consent.
20. Changes to These Terms
We may revise these Terms from time to time to reflect operational, legal, or regulatory updates. The “Last Updated” date above indicates when revisions were made. Continued use of the Services after such changes constitutes acceptance of the new Terms.
21. Contact Information
For questions or concerns regarding these Terms, contact us at:
InsuraTec LLC
87010 Professional Way
Yulee, FL 32097
Email: info@insuratec.com
Phone: (904) 929-3688
